Tax Tips & News
Welcome to the Gardners Tax Tips & News monthly newsletter, bringing you the latest news to keep you one step ahead of the taxman.
If you need further assistance just let us know or send us a question for our Question and Answer Section.
We’re committed to ensuring none of our clients pay a penny more in tax than is necessary and they receive useful tax and business advice and support throughout the year.
Please contact us for advice on your own specific circumstances. We’re here to help!
HMRC consult on BIK changes
Following the recent consultation covering the taxation of employee expenses (as announced in the Autumn 2017 Budget), draft Finance Bill 2018-19 contains proposals to amend some of the existing rules concerning travel and subsistence payments. Read More…


Blue Bell Creameries
Blue Bell Creameries is an ice cream manufacturer that does business primarily in the South. Even though it does business in less than half of the U.S., Blue Bell is the third highest-selling ice cream in the nation, with sales usually ranging upwards of $400 million dollars per year. Blue Bell currently has three manufacturing plants located in Brenham, Texas, Sylacauga, Alabama, and Broken Arrow, Oklahoma; other locations include the various distribution centers spread throughout their territory. Recently, Blue Bell decided to expand the Brenham, Texas location. The expansion includes a fully automated pallet loading system and roughly 100,000 square feet to the cold storage and production facilities. ParkUSA provided an EleVader system for the Brenham, Texas location.
The new project facility included automated pallet rack system and multiple freight and passenger elevators. These elevators were spread throughout the facility. To protect the public sewer system and to be compliant with the new ASTM elevator code, the Park EleVaderTM system was specified. The elevator model EC system was used for its flexibility in its ability to handle several sources of drainage. One Oil water separator could be used to handle multiple elevator shafts and a separate trench drain from an equipment Service area.


Factory "RUT Bride" | About us
Factory "RUT Bride" is the manufacturer of wedding dresses, which is primarily focused on the needs of its customers.
Cooperate with the factory "RUT Bride" because:
- We have an extensive experience; we are working on the Ukrainian market since 2005;
- The new word in the production of wedding dresses - the use of innovative tailoring techniques, high quality fabrics;
- "Our new collection" will grab the attention of the consumers, with an emphasis on the important elements and details, such as the use of new types of fabrics (lace);
- Minimum terms of manufacturing, extensive production base;
- The unique technology used in our production, will allow you to materialize any idea of the bride;
- According to the preliminary agreement the goods can be delivered to any place in Ukraine, CIS and Europe.
Factory «RUT Bride» came out this year on the market with the new exclusive product, which is only beginning to be in demand at the wedding market.
All of Europe knows about Ukrainian dresses, including our company, which entered the European market, increasing its quality and improving its products.
Our latest collection is a truly unique way to diversify your product range, which can satisfy a bride with a variety of tastes and moods.
Wedding products from «RUT Bride» factory will expand the boundaries of your assortment and will allow you not only to order dresses from our collections, but also to order a combined model (a top from one and a bottom from another of our models), allowing you to become a designer, adding exclusivity to the dress without significant additional financial investments.
Today Factory «RUT Bride» offers its customers to experience the beauty and charm of the wedding industry! Our new collection will help you to distinguish yourself from your competitors.
When ordering from us, you get not only a "wedding dress", but also a guarantee of its quality, exclusive models and secure, mutually beneficial cooperation!


Flexible Financing Options for Used Cars at Prestige Auto Sales in Modesto, CA
Find the Perfect Financing Solution
At Prestige Auto Sales in Modesto, CA, we understand that purchasing a used car is a significant investment. That's why we offer flexible financing options to help you bring home your dream car. Our goal is to provide you with a hassle-free financing experience, tailored to your specific needs and budget. We work with trusted lenders to secure competitive rates and favorable terms, making it easier than ever to own one of the best used cars in Modesto, CA.
Hassle-Free Application Process
Applying for financing at Prestige Auto Sales is quick and straightforward. Our user-friendly online application allows you to conveniently apply for financing from the comfort of your own home. Simply provide the necessary information, and our finance experts will review your application promptly. We strive to make the process as efficient as possible, getting you one step closer to driving the used car of your dreams.
Customized Financing Solutions
Every customer has unique financial circumstances, and we believe in providing personalized financing solutions. Our team of finance professionals will work closely with you to understand your budget and financial goals. We'll explore various financing options, including loan terms and down payment options, to find the best fit for you. Our goal is to ensure that you can comfortably afford the used car you desire while maintaining financial stability.
Competitive Rates and Transparent Terms
At Prestige Auto Sales, we prioritize transparency and fairness. We negotiate with our network of lenders to secure competitive interest rates and transparent terms for our customers. We believe in providing clear and concise information about your financing agreement, ensuring that you have a complete understanding of your obligations. Our commitment to transparency means no hidden fees or surprises – just straightforward financing that you can trust.
Start Your Financing Journey Today
Don't let financing be a barrier to owning one of the best used cars in Modesto, CA. Visit Prestige Auto Sales and explore our wide selection of high-quality vehicles. Our finance experts are ready to assist you in finding the perfect financing solution for your needs. Contact us or visit our dealership today to start your financing journey and drive away in the used car you've always wanted from Prestige Auto Sales.


Check out what a few of our customers have to say about BDT Energy Group and our LED lighting products.
BDT impressed me with their efficient, professional manner and provided the results we were looking for. We needed an effective LED lighting solution for several areas of our facility. It was important that the LED lighting provide enough light, in the right color spectrum, within the interior of the facility. BDT was able to provide us with LED lighting that looks great, satisfies our need and at a reasonable price. The switch saved us 50% on the lighting energy costs of the replacements and reduced our maintenance costs.
Upgrading to LED lights was a no-brainer. The installation and lighting costs are short-term, but the energy savings are permanent and will help save us tens of thousands of dollars in the long-term. Not only have we cut our costs, but we have increased the value of our building.


Denver is the second most popular city for millennial homebuyers. The share of mortgages offered to millennials was 61.35%, and the average age of those buying in the city was 32.23.
In February 2023, Denver homes were selling for a median price of $560,000. On average, homes sell after 26 days on the market, compared with five days last year, according to RedFin.
The average down payment among millennials in Denver was $74,477.
Boston rounds out the top three. The share of mortgages offered to millennials last year was 60.59% and the average age was 32.38, according to the Lending Tree study.
Boston gives millennial homeowners proximity to several prestigious universities, including Harvard and Massachusetts Institute of Technology, which have continued to rank as some of the best colleges in the U.S.
The average Boston home value is $610,400, compared with the national average of $244,900, according to Niche.


Shandong Taikai Power Electronic Co.,Ltd.
Established in 2003 with a registered capital of 300 million yuan, Shandong Taikai Power Electronics Co., Ltd., a wholly-owned subsidiary of Taikai Group, is a specialized enterprise in R&D, production and sales of power quality control equipment. The company has a second grade qualification for contracting, repairs and commissioning of substation projects. As outstanding supplier in electric power, new energy, metallurgy, coal, petrochemical and other systems, it is the national key high-tech enterprise of Torch Program, a software enterprise in Shandong Province, an engineering laboratory of power transmission, and distribution electronics equipment in Shandong Province. The company has acquired a number of national, ministerial provincial level awards and is well received in the domestic and foreign markets.


One, Two, Three:
NCU Tops National Business Model Competition
One, Two, Three: NCU Tops National Business Model Competition
NCU, Mandeville, Jamaica - One, two, three; was the order of placement for Northern Caribbean University (NCU), at the fourth staging of the National Business Model Competition put on by the Development Bank of Jamaica. The competition, which was held last Friday at the Knutsford Court Hotel, had four NCU teams, trained by the Morris Entrepreneurship Centre, entering the competition. Of the four teams, three of them advanced to the finals, which saw NCU as champions for the fourth consecutive time.
Natsima Nutraceuticals won the competition with a natural treatment for sinusitis which can also be used to prevent asthma attacks. The team developed this remarkable formula from Ginger, Guinea Hen Weed and Garlic, and it is intended to be used along with a vaporizer.
Second place went to GenisisWay who developed Ackee Butter from Jamaica’s national fruit. Ackee Butter is not only tasty and affordable, it is also an excellent source of natural and healthy unsaturated fats, making it a suitable alternative to other butters. Ackee Butter can be enjoyed by vegans, the health conscious and individuals with food allergies as it is cholesterol free, non-dairy and nut free.
Sotare placed third, having developed a system that produces root tubers such as yam and sweet potato that is cost-effective and efficient through the use of hydroponics as the nutrient source instead of soil. The aim is to enhance the growth rate, quality and quantity of these root tubers. This will in turn increase the productive output of farmers.
NCU’s President, Dr Lincoln Edwards was present and gave remarks on behalf of NCU. He commended all the competitors for having taken up the challenge to enter a competition of such magnitude and said that he was excited for the future of Jamaica where entrepreneurship, innovation and creativity is concerned.
Natsima Nutraceuticals will go on to represent Jamaica in May in Silicon Valley California for the global championships.


Now is the time to think small. Small business that is.
Did you know that small businesses account for 99.7% of firms with paid employees in the United States? It’s true. Small businesses make a large impact on both the national economy and their local markets.
What’s more, they provide healthy economic competition and incentive for innovation. By having neighbors helping neighbors and friends helping friends, small businesses really are the backbone of the economy.
It’s no wonder there has been so much emphasis on them in recent current events. At this time more than ever, it’s vital that all economic players — regardless of their size — come together to support small businesses.
As a small business ourselves, we wanted to take this opportunity to recognize the constantly devoted efforts of our team members. Since 1998, we’ve been established as an interactive agency based out of Washington, D.C.
Our team members are known for being unabashed agents of change. Combining deep technical expertise with artistic talent, our employees create everything inside the medium it is meant for.
They’re incredible at dissecting where our clients are and plotting a course for where they want to be, all with unexpected combinations of strategy and style.
Our small, but mighty team of rock stars is known for implementing new ideas through our strategically iterative and inclusive process. From the very start, every stage of our creative process is holistic, functional, and interactive.
We can’t help bragging about our amazing team members, but it seems that our clients can’t either. In a recent online review, the director of a PR company we’re partnered with took the time to leave some feedback about our engagement.
They said, “Their flexibility and ability to work with us distinguish them. Even as project scopes change in the middle of development, they remain flexible and open to getting the client exactly what they need. On top of that flexibility comes their accessibility; it’s easy to get them on the phone if necessary.”
We’re so grateful for all of our partners who have left us reviews. This feedback helps us recognize our employees’ contributions so we can acknowledge and celebrate their successes.
Platforms like The Manifest help us increase our online visibility to those who search through company projects to make their buying decisions. The fact that we’re currently listed as a top agency in Washington, D.C. is due to our team members’ constant dedication and efforts.
Our leadership team at nclud is thrilled to celebrate our employees’ successes and accomplishments! We would like to extend a big thank you to our hard workers and want to express our constant gratitude and appreciation for them.
Feel free to drop a line if you’d like to start your next project!


MIASF to Establish Fort Lauderdale’s First Foreign Trade Zone Subzone
FOR IMMEDIATE RELEASE
December 12, 2016
Kelly Skidmore, Public Relations Director
Marine Industry Association of South Florida
954-524-2733 / Kelly@MIASF.org
Monique J. Damiano, Public Information Specialist
City of Fort Lauderdale
954-828-5942 / firstname.lastname@example.org
Marine Industry Association of South Florida to Establish
Fort Lauderdale’s First Foreign Trade Zone Subzone
Fort Lauderdale, FL – Phil Purcell, Executive Director of the Marine Industry Association of South Florida (MIASF), announced today that MIASF received approval from the Foreign Trade Zone (FTZ) Board and City of Fort Lauderdale FTZ No. 241 for a 16-site FTZ marine industry subzone, which is a group of sites established for a specific use. Once established, each of the 16 sites included in this special-purpose subzone will operate as a commercial marina, a marine parts and components business, or a yacht repair facility. Foreign Trade Zone restricted-access sites are considered to be outside the U.S. Customs territory, and as such, can defer, reduce, or eliminate Customs duties on foreign products.
“This is a first of its kind in the United States,” Purcell said. “Fort Lauderdale is already known as the yachting capital of the world and will now be known for introducing the first FTZ subzone dedicated to the recreational boating industry,” Purcell added.
As a leading economic engine that contributes $8.8 billion to our area, the success of the marine industry is directly tied to the long-term growth, development, and prosperity of Fort Lauderdale,” said Mayor John P. “Jack” Seiler. “Providing economic incentives through our Foreign Trade Zone program will enable marine industry businesses to free up important resources that can be used to expand operations, increase revenue, and create additional jobs and career opportunities for our community, while also serving as a valuable tool for future business attraction and retention.”
“Strengthening our marine industry by creating an environment that will encourage more business is the key reason to pursue Foreign Trade Zone activity,” said Karen Reese, FTZ Administrator for the City of Fort Lauderdale’s FTZ No. 241. “The City expects to continue expanding the marine industry business through FTZs.”
“Now that the initial filing for FTZ status has been approved, we are excited to begin working with each marina or marine distributor site to activate in compliance with U.S. Customs and Border Protection regulations,” said Gary Goldfarb, Chief Strategy Officer of Interport Group of Companies. “This is a monumental achievement for the City of Fort Lauderdale, the marine industry, and the community as a whole. There are so many more options for the industry under an FTZ and, as a result, we expect this will be a very active sector for jobs for years to come,” Goldfarb added.
About Marine Industry Association of South Florida
The Marine Industries Association of South Florida (MIASF) is the largest trade organization in the Southeast United States dedicated to promoting, protecting, and growing the 110,000 middle class jobs in Broward County and 136,000 jobs regionally in marine businesses promoting boating lifestyles from family cruising and fishing to yachts and the goods and services that sustain them, driving the economic output to $8.8 billion in Broward County and $11.5 billion regionally. Created in 1961, the not-for-profit trade group is focused on the sound growth of the marine industry in the South Florida Region to benefit its members, their customers, communities and the environment. The Association has over 500 members in Broward, Miami-Dade, and Palm Beach Counties and is the owner of the Fort Lauderdale International Boat Show.
About Fort Lauderdale Executive Airport
Fort Lauderdale Executive Airport is one of the nation’s busiest general aviation airports handling close to 160,000 aircraft operations per year. The airport is home to more than 900 aircraft along with four full-service, fixed-base operators, a 24-hour Federal Aviation Administration Air Traffic Control Tower, an onsite U.S. Customs and Border Protection facility, a 24-hour aircraft rescue and firefighting station, a Fort Lauderdale police substation, and 24-hour security. FXE also operates a 200-acre Industrial Airpark, the City’s Foreign-Trade Zone #241, and the downtown Fort Lauderdale John Fuhrer Helistop.
About Interport Group of Companies
Interport Group of Companies, which is headquartered in Miami, FL, is a full-service supply chain management company, providing consulting, FTZ operations, warehousing, freight forwarding, customs brokerage, and technology development for more than 15 years.


Promo and Coupons
Superstrain Promo Codes
For consumers, promo and coupon codes offer several advantages. First and foremost, they provide an opportunity to save money. By applying a promo or coupon code at checkout, customers can enjoy discounts on their purchases, obtain free shipping, or receive other enticing offers. These codes can significantly lower the overall cost of an order, making it more affordable for budget-conscious shoppers or those looking to maximize their savings.
Moreover, promo and coupon codes can enhance the overall shopping experience. They create a sense of exclusivity and reward, which is one of the reasons why we like to use them. We know that these promotions help our customers feel appreciated and valued. These codes often act as incentives for customers to return to the store for future purchases, which is how we foster customer loyalty.
In the case of Superstrain, pur diverse range of alternative products can be even more accessible with the use of promo and coupon codes. Customers interested in mushroom gummies, mushroom supplements, Delta 8 vapes, HHC gummies, or other hemp-derived products can enjoy these items at discounted prices, making them more affordable and attractive. Superstrain's promo and coupon codes allow customers to explore the benefits of alternative products while staying within their budget.


(Photo above left to right: PFM Partner, Shaun Carpenter; Victoria Mayor, Lisa Helps; GVHA CEO, Ian Robertson)
In an effort to connect community and business leaders together, PFM Executive Search hosted a special breakfast in Victoria at which Ian Robertson – our newly recruited CEO candidate for the Greater Victoria Harbour Authority (GVHA) – provided an outline of priorities for the organization and some exciting plans for the future.
Ian described for us some emerging GVHA initiatives for increasing economic development within the region, such as a greater collaboration within the tourism sector, especially with the cruise ship industry. Many of his remarks touched on building strong working relationships and partnerships with a wide variety of stakeholders, including First Nations.
Guests attending this event included the Mayor of Victoria, Lisa Helps (pictured above), Capital Regional District Chair and Mayor of Oak Bay, Nils Jensen, as well as other key business and community leaders from across the Capital region. The breakfast was hosted by PFM Executive Search Partners, George Madden, Shaun Carpenter and Shelina Esmail.
Gatherings such as these that PFM executive Search hosts are not only a great opportunity to provide information to an influential group of individuals in an informal format but it also provides a chance for people to network and share experiences. Our firm sees great value in hosting these private breakfast sessions as part of our own executive search firm’s community investment activities, linking leaders together from various BC communities, including Victoria, in a social environment where ideas are generated.


Unfair contract terms and life insurance are a significant concern for consumers. It is not uncommon for insurance providers to include complex terms and conditions in their policies, leaving the policyholder vulnerable to exploitation.
One of the primary issues with unfair contract terms in life insurance is the lack of transparency. In some cases, policyholders may not fully understand the ins and outs of their policy. This can lead to misunderstandings and ultimately result in a claim being rejected or a payout being denied.
Insurance providers have been known to include terms in their policies that limit their liability, which may not be in the best interest of the consumer. For example, an insurance policy may state that the provider will only pay out if the policyholder dies from a specific cause such as a heart attack, while excluding other causes such as cancer.
These terms are often buried deep in the fine print of a policy, making them difficult to understand or even notice. Consumers may be unaware of these limitations when they purchase insurance, which can lead to frustration and financial stress later.
Another concern with unfair contract terms in life insurance is that they can disproportionately affect vulnerable groups such as the elderly, those with disabilities or low-income individuals. These individuals may be more likely to require life insurance and may not have the resources or knowledge to fully understand the terms of their policy.
Fortunately, there are ways for consumers to protect themselves against unfair contract terms in life insurance. One option is to seek assistance from a financial advisor or legal professional who can help explain the terms of a policy and identify any potential issues.
Another way to protect yourself is to compare policies from different providers before making a decision. This can help you to identify providers that offer fair and transparent policies.
In conclusion, unfair contract terms in life insurance are a real concern for consumers. It is important to be aware of the terms of your policy and seek help if you are unsure about any provisions. By doing so, you can ensure that you are adequately protected and avoid financial stress down the line.


Marel is the leading global provider of advanced processing systems and services to the Poultry, Meat and Fish industries. We offer the convenience of a single source to meet every need. Our state-of-the-art equipment and systems help food processors of all sizes, in all markets, to operate at peak productivity.
Our team is comprised of approximately 4,600 employees worldwide, offices and subsidiaries in 30 countries across six continents, and a network of more than 100 agents and distributors.
1001 t/m 5000 werknemers
Vacatures bij Marel


Accountant on the Central Coast
Your Trusted Accounting Advisors
Dynamic Accounting Taxation Advisors is your trusted firm providing accounting, bookkeeping, taxation and self-managed superannuation fund (SMSF) assistance. Based in Terrigal, we provide clients on the Central Coast with updated and accurate accounting and taxation services.
We help grow your business by managing your finances and handling administrative tasks. Our team of experts takes care of updating your general ledgers, submitting tax returns, preparing your financial records and other accounting needs. We also advise businesses on how to protect their assets and increase their profits.
Our accountants guide individuals through taxation processes and investment methods. We teach you how to navigate through the difficult parts of your SMSF, so that you can live comfortably when you decide to retire.
Team of Experts
Our company is comprised of experienced accountants and bookkeepers who are knowledgeable in the constantly changing taxation and economic landscape. We are experts in the following areas:
We owe our efficiency to using the latest accounting tools. We have MYOB and Xero, two of the most commonly used accounting software in our industry that can make every bookkeeping or accounting task a lot easier. Our programs will manage the financial aspects of your business including, but not limited to:
Your financial success is what we are aiming for.
The best way to ensure that you or your company thrives is to help you focus your attention on expanding your business while leaving the accounting tasks to us.
We help individuals, sole traders, partnerships and companies their with accounting and taxation requirements.
We provide practical advice to individuals and companies to improve their financial situation. We help you with tax breaks, appeals and more.


The beneficiary of the 2024 Virginia Wine Expo is the Richmond Metropolitan Habitat for Humanity!
About Richmond Metropolitan Habitat for Humanity
Our vision is a world where everyone has a decent place to live. Seeking to put God’s love into action, Richmond Metropolitan Habitat for Humanity brings people together to build homes, communities and hope.
At our core, Habitat for Humanity is a nonprofit organization that helps families build and improve places to call their home. We believe affordable housing plays a role that is critical in building strong and stable communities.
With your help, Habitat homeowners will achieve the strength, stability and independence they need to build a better life for themselves and their families. Please consider donating, volunteering, or finding other ways you can get involved with Richmond Metropolitan Habitat for Humanity.
How to Support Richmond Metropolitan Habitat for Humanity
The lack of affordable, safe housing is a critical problem in our area. Your monetary donations and gifts in kind of goods and services increase the available safe, affordable housing in our community and help break the cycle of poverty by providing affordable homes.
Help us provide housing with your donations here: https://interland3.donorperfect.net/weblink/weblink.aspx?name=E79652&id=1
Volunteers are the backbone of Richmond Metropolitan Habitat for Humanity, helping us build homes and organize our ReStores. We have an open-door policy: all who believe that everyone needs a decent, affordable place to live are welcome to help with the work, regardless of race, religion, age, gender, political views, or any of the other distinctions that too often divide people.
You can find many exciting opportunities to volunteer: https://richmondhabitat.galaxydigital.com/
Habitat for Humanity ReStores are nonprofit home improvement stores and donation centers that sell new and gently used furniture, appliances, home accessories, building materials and more to the public at a fraction of the retail prices. Our Northside ReStore is located at 1901 Roane Street, Richmond, VA 23222 and our Chesterfield ReStore is at 1201 Mall Drive, Chesterfield, VA 23235.
Learn more about shopping or donating to our ReStores here: https://richmondhabitat.org/restore/


Mid Week Weddings at Orchardleigh
Choosing to marry mid week or during the winter months is a fabulous way of reducing your overall Wedding spend; this not only includes the venue but other suppliers often reduce their rates mid week too.
Great savings on total wedding cost
Greater Choice and Greater Availability.
Increasing in popularity
Mid Week Weddings have increased in popularity over the past ten years. Not only does having a mid week wedding bring down the overall cost of your big day, but it also makes it more possible to extend the celebrations over two or three days.
Bells and whistles
Saving on the overall package cost means you may be able to afford all of those little extras you've always dreamed of. Ask us about our preferred suppliers for ideas.
Your dream date
Generally speaking, Venues and Suppliers will have more availability mid week so it gives you more choice and a greater chance of securing your Dream Venue, Photographer, Band and so on for your chosen day.


As opposed to joint tenancy, when there are two or more individuals on title to a piece of property, this type of ownership does not pass ownership to the others in the event of death.
A process by which a lender uses another party to completely or partially originate, process, underwrite, close, fund, or package the mortgages it plans to deliver to the secondary mortgage market.
A legal document evidencing a person's right to or ownership of a property.
A company that specializes in examining and insuring titles to real estate.
Insurance that protects the lender (lender's policy) or the buyer (owner's policy) against loss arising from disputes over ownership of a property.
A check of the title records to ensure that the seller is the legal owner of the property and that there are no liens or other claims outstanding.
Any means by which the ownership of a property changes hands. Lenders consider all of the following situations to be a transfer of ownership: the purchase of a property subject to the mortgage, the assumption of the mortgage debt by the property purchaser, and any exchange of possession of the property under a land sales contract or any other land trust device.
State or local tax payable when title passes from one owner to another.
An index that is used to determine interest rate changes for certain adjustable-rate mortgage (ARM) plans. It is based on the results of auctions that the U.S. Treasury holds for its Treasury bills and securities or is derived from the U.S. Treasury's daily yield curve, which is based on the closing market bid yields on actively traded Treasury securities in the over-the-counter market. [Top]
A fiduciary who holds or controls property for the benefit of another.
A federal law that requires lenders to fully disclose, in writing, the terms and conditions of a mortgage, including the annual percentage rate (APR) and other charges.
A property that consists of a structure that provides living space (dwelling units) for two to four families, although ownership of the structure is evidenced by a single deed.
An adjustable-rate mortgage (ARM) that has one interest rate for the first five or seven years of its mortgage term and a different interest rate for the remainder of the amortization term.


Everyone dies. Until that changes, there is a very good chance that you will need to deal with the end of life of someone you care about; maybe even yourself.
The challenge in dealing with these issues is that death is an emotionally charged subject. As such, your logical thinking capabilities are going to be turned-down or off and your actions will be automatic. The goal of this post is to outline some of the things that can happen and offer-up an alternative possibility that will serve your interest more effectively. Keep in mind that almost everyone is selling something and there are people who will take advantage of your decreased resistance and get you to buy things you don’t want, need or have options about.
1) Parking – for some reason the parking garages of many hospitals are now regarded as profit centers to help bridge the gap between costs and funding. This may be true, but it is a poor justification for charging the loved ones of a terminally ill person $16 a day to park. This cost can grow very quickly and may eventually become a reason for NOT visiting. $112 a week is money that can be better spent.
What To Do: If you cannot get a ride to and from the hospital consider finding a parking lot that is close-by and does not cost anything. If you do need to pay for parking, look for a weekly / monthly pass. These passes may be transferable so you can share it among your relatives and other loved ones.
2) Bringing your own casket / urn – in Ontario you are allowed to supply your own casket / urn and the funeral home legally must use them. This can save you thousands of dollars because you remove another tier of profit takers.
What To Do: Google “casket outlet” and check out some of the sites. You’ll quickly notice that the caskets look great; the same as the ones you will be offered at the funeral home. The outlet will deliver the casket to the funeral home so after you buy it, you can focus your energy on the more important things that need to be addressed.
3) Embalming is not necessary if there is only going to be a single viewing. The tips of the fingers and the finger nails won’t look the same, they’ll likely appear slightly discolored and a little shriveled, but the face will look effectively the same. Having seen both the embalmed and un-embalmed it is a fair statement that neither looks like a living person.
What To Do: If there is only going to be a single viewing, talk to the funeral director about not embalming. They’ll likely try to sell you the service, but they’ll be able to explain the visual differences.
4) You can barter with almost everyone involved in the end of life industry. There is a huge mark-up in everything associated with funerals so you are free to ask for discounts, ask for different vendors and to supply your own. There are a few items / processes that must be taken care of by government regulated companies – there is no DIY cremation for example – so anticipate “no” on a few items, but there is no good reason to pay a 400% mark-up on flowers or catering.
What To Do: Know your budget and be firm with it. Tell the funeral director your budget and always be aware that the amount of money spend on a service has no connection to the life the person lived or the amount of love you feel towards them. The directors are going to suggest more expensive services, upgrades and add-ons that will balloon the cost in no time. They want to create a beautiful experience so their suggestions are probably fair. But only YOU know the experience that is appropriate so stay firm with that. Paying more money for the same experience may not make sense so take the time to consider all of the options and to ask for a lower price.
Every life will come to an end. It can be sad but this sadness should not mean that you get ripped off. Knowing what you want for yourself or for your loved one will arm you to make good decisions that mean you pay only what you need to pay and that you get only what you want. The intensity of the grief will fade and, when it does, it doesn’t need to be replaced with regret or hours of work to pay for stuff you were sold unnecessarily.


Discover Web3: The Future of Decentralization
Experience the decentralized web with Web3 distribution – your gateway to a more democratic, secure, and peer-to-peer online world.
In the rapidly evolving landscape of the internet, Web3 distribution stands as a transformative force. It represents a paradigm shift towards decentralized, community-driven platforms, where ownership, governance, and value sharing are no longer controlled by a central authority. Instead, they are in the hands of the users themselves.
Web3 distribution hinges on blockchain technology, which allows for transparent and immutable records of ownership. Through the use of blockchain-based tokens, such as cryptocurrencies and NFTs (Non-Fungible Tokens), users can assert ownership over digital assets, content, and even governance decisions within a decentralized network.
Web3 distribution platforms often employ decentralized autonomous organizations (DAOs) that empower users to have a say in the development and direction of the platform. Token holders can vote on proposals, shaping the future of the platform in a truly democratic manner.
One of the hallmarks of Web3 distribution is the concept of value sharing. Users who contribute to a platform, be it through content creation, community building, or other forms of participation, can be rewarded with tokens or other incentives. This model flips the traditional internet monetization model on its head, allowing users to share in the value they help create.
Web3 distribution encourages interoperability between platforms. Users can seamlessly move their assets and data across different decentralized applications (dApps) and services, creating a more fluid and user-centric internet experience.
Privacy and Security:
Blockchain technology and decentralized networks enhance user privacy and security. Users have greater control over their data and digital identities, reducing the risks associated with centralized data storage and control.
The Future of the Internet:
Web3 distribution is reshaping the internet as we know it, promoting user sovereignty, transparency, and trust. It empowers individuals to be active participants in the digital realm, offering a promising vision of a more equitable and user-centric internet.
As Web3 distribution continues to gain momentum, it invites us to reimagine the way we interact with digital platforms, content, and services. Join us on this transformative journey into the world of Web3 distribution, where the internet truly belongs to the users.


Discover the ease and efficiency of automatic vendor payment processing right from your ERP system.
Eliminate the need for mailed printed checks or manually entering payment information into your bank website. With AxiomHQ/eBanking, all payment data is transmitted to your banks and financial institutions in real time. Streamline vendor payments with an automated, digitized payment processing system—directly from AxiomHQ.
AxiomHQ/eBanking currently supports the electronic transmission of the following payment data types to your banks:
We’d love to talk to you about how AxiomHQ/eBanking can improve your payment processes.
Your free consultation is the first step in building a truly integrated ERP platform.


The state of Zacatecas (Spanish pronunciation: [sakaˈtekas]), located in the north-central portion of the Mexican Republic, is a land rich in cultural, religious, and historical significance. With over 28,900 square miles, Zacatecas is Mexico's eighth largest state. With a population of 1,441,734 inhabitants, Zacatecas depends upon cattle-raising, agriculture, mining, communications, food processing, tourism, and transportation for its livelihood.
Although much of Zacatecas is desert, the primary economic driver of the state is agriculture. Zacatecas is Mexico's foremost producer of beans, chili peppers, and cactus leaves, and holds second place in guava production, third in grapes, and fifth in peaches.


Greetings to my customers, friends and fellow hobbyists the world over.
As you may know, the Covid-19 pandemic and the resultant supply-chain issues have caused shipping prices to soar over the last few years. Unfortunately, these rising costs have crashed home here at McDougall Designs.
In preparation for shipping the Mantic games products currently on their way to me, I have done some research into shipping costs for larger box sizes and weights. Especially for the size and weight you would expect to see with regards to army sets.
After looking at the numbers, I have decided (effective immediately) to raise the free shipping threshold on domestic plastics orders to $100. Orders ranging between $50 and $99.99 will have a flat $10 shipping fee.
International rates have also varied wildly, but as less than 10% of my sales are international I intend to deal with these on a case by case basis. I will be keeping an eye on the situation and will make an update on the blog for transparency.
Thank you all for your continued support of my small business, especially through these uncertain times.


Elon Musk, the billionaire founder of Tesla
, has said he thinks the cryptocurrency bitcoin is on “the verge” of breaking into traditional finance.
Musk, who revealed last month he is open to being paid in bitcoin, made the comments during an interview on the app Clubhouse.
“I do at this point think bitcoin is a good thing,” Musk told a packed Clubhouse chat room.
“I am a supporter of bitcoin. I am late to the party but a supporter. Bitcoin is on the verge of getting broad acceptance by traditional finance people.”


To continue providing personalized contact for studios and companies in the VFX and Media & Entertainment industry, Creative Tools based in Halmstad and Megafront based in Falun have decided to enter into a collaboration. The collaboration means that Megafront will end its distribution rights of Autodesk products and hand over the sales to Creative Tools.
As of April 27, 2023, the transfer of the distribution rights of Autodesk products from Megafront to Creative Tools has taken place and Creative Tools takes over the Autodesk customer base that Megafront has managed for 23 years. The collaboration between the two parties aims to continue benefiting the industry and provide customers with knowledgeable and personalized direct contact with a local Swedish reseller of Autodesk products.
As suppliers around the world demand increasingly high sales requirements from resellers, the proportion of local resellers will decrease significantly. By Creative Tools taking over the sales of Autodesk products, Megafront and Creative Tools are trying to create good conditions for one Autodesk reseller in the region.
“Creative Tools is proud to take over Megafront’s Autodesk customer base and looks forward to continuing to offer personalized and knowledgeable contact to our new customers. With 20 years of experience in the industry, we are confident that we will be as good a partner as Megafront has proven to be,” says Malin Enting, CEO of Creative Tools.
“This collaboration benefits the industry and is in the customer’s best interest. Since our inception in 2000, Megafront has always cherished long and good relationships. We want customers to continue to put themselves on the map through amazing work in VFX and M&E, and now that is done by Creative Tools managing the Autodesk relationships we have built over the years,” says Magnus Björkman, CEO of Megafront.
The collaboration only includes companies that are Autodesk customers of Megafront. Megafront will continue to offer sales and service with the same team as before for other software products from their suppliers.
For more information, please contact:
Malin Enting, VD Creative Tools
Magnus Björkman, VD Megafront


Sunvil Holidays reports a positive uptake for its opt-out carbon offset policy. In May, 56% of its customers paid to carbon-neutralise their travel - up from 47% in April. The scheme was introduced last year for 2007 brochures.
Sunvil Holidays took the bold step - one of the first UK tour operators of any size to do so - of including the carbon offset fee automatically on all holiday invoices. Customers have the choice of opting out by simply deducting the cost, which is listed separately, from their holiday invoice.
Noel Josephides, managing director of Sunvil Holidays, says: "Our opt-out charge has tested the water for the entire industry and has proven that the majority of consumers are genuinely concerned about responsible travel, with the percentage of take-up still rising.
"While we realise carbon offsetting is not a complete answer, we hope that these small steps will act as a catalyst for others to follow, which will in turn go some way to safeguarding the planet," he adds.
The carbon offset charge of a return flight to the Azores or Cyprus with Sunvil Holidays is £3.60 pp, while flights to Greece cost £2.83 pp. Money collected by Sunvil is donated to two carbon offset initiatives in Retezat National Park in Romania - the implementation of solar power at visitor and community centres and information points, and a new car park to reduce car access into the heart of the forest.


Supreme’s directors recognise the importance of high standards of corporate governance and Supreme follows the QCA Corporate Governance Code for Small and Mid-Size Quoted Companies
Our board meets regularly and is responsible for formulating, reviewing and approving our strategy, budgets, performance, major capital expenditure and corporate actions.
We have an audit committee, a remuneration committee and a disclosure committee with formally delegated rules and responsibilities.
The Audit Committee will have the primary responsibility of monitoring the quality of internal controls to ensure that the financial performance of the Group is properly measured and reported on. It will receive and review reports from the Group’s management and external auditors relating to the interim and annual accounts and the accounting and internal control systems in use throughout the Group. The Audit Committee will meet not less than three times in each financial year and will have unrestricted access to the Group’s external auditors. The members of the Audit Committee shall include two Non-executive Directors. The Audit Committee comprises Simon Lord (as Chair), Paul McDonald and Mark Cashmore.
The Remuneration Committee will review the performance of the Executive Directors, chairman of the Board and senior management of the Group and make recommendations to the Board on matters relating to their remuneration and terms of service. The Remuneration Committee will also make recommendations to the Board on proposals for the granting of share options and other equity incentives pursuant to any employee share option scheme or equity incentive plans in operation from time to time. The Remuneration Committee will meet as and when necessary, but at least twice each year. In exercising this role, the Directors shall have regard to the recommendations put forward in the QCA Code and, where appropriate, the QCA Remuneration Committee Guide and associated guidance. The members of the Remuneration Committee shall include two Non-executive Directors. The Remuneration Committee comprises Mark Cashmore (as Chair), Simon Lord and Paul McDonald.
The Nomination Committee will lead the process for board appointments and make recommendations to the Board. The Nomination Committee shall evaluate the balance of skills, experience, independence and knowledge on the board and, in the light of this evaluation, prepare a description of the role and capabilities required for a particular appointment. The Nomination Committee will meet as and when necessary, but at least once each year. The Nomination Committee comprises Mark Cashmore (as Chair), Simon Lord and Paul McDonald.
To view Supreme’s QCA Corporate Governance Code Compliance Statement please click here.


Establishment of the Joint Nature Research Centre (JNRC)
Projects leader: Aušra Stankuvienė
Project code: VP2-1.1-ŠMM-04-V-01-008
Project executor: Nature Research Centre
Project name: Establishment of the Joint Nature Research Centre (JNRC)
In accordance with the Executive Order No V-59 “On allocation of funds according to the measure VP2-1.1-ŠMM-04-V ‘Strengthening of the general infrastructure of research and studies’ of priority 1 ‘R&D intended for the growth of business competitiveness and economy’ of the Program of Economic Growth for 2007-2013” of the Minister of Education and Science of the Republic of Lithuania dated 14 Jan 2010, the EU funds and certain budgetary allocations of the Republic of Lithuania are appropriated for the project to be run by the Nature Research Centre to establish the Joint Nature Research Centre (JNRC). The new centre will focus on nature R&D. The project is one of the measures (projects) to implement the development program of the Integrated Science, Studies and Business Centre (Valey) “Santara”. The necessity of the project was conditioned by old-dated R&D infrastructure inadequate for the state-of-the-art research challenges, a need for up-to-date scientific works, concentration of scientific potential and top-level research related to ecosystems and sustainable development. The target groups of the project are scientists, researchers, students attaining master and doctoral degrees, as well as businessmen and public institutions carrying on R&D activities. The project is intended to be implemented until 30 September 2014. In the course of the project, a set of research laboratories will be built on the existing foundations in the premises of the Nature Research Centre of Vilnius University at Akademijos St 2, Vilnius, three open access centres will be created:
- Centre of Ecotoxicology;
- Centre of Biotaxonomy, Ecology and Molecular Research;
- Centre of Georeserach, and new research laboratory equipment (3 sets) to service the centres will be acquired.
The partner of the project is Vilnius University.
The Nature Research Centre and the Faculty of Natural Sciences of Vilnius University will form the general natural sciences and studies system and the infrastructure of JNRC. The fixed assets created and acquired in the course of the project will belong to the Nature Research Centre and the Faculty of Natural Sciences of Vilnius University. Expenses for infrastructure and required reinvestments will be covered by the Nature Research Centre and the Faculty of Natural Sciences of Vilnius University, from income the size whereof is calculated taking into account better possibilities of institutions to perform greater amounts of contract works.


THE AWARD FOR DIVERSIFIER OF THE YEAR
This award goes to the brokerage (regardless of size) that has been most success in expanding its business model beyond mortgage originations, to incorporate services such as insurance, syndicate mortgage referrals, real estate sales, financial planning, etc, and in the process has created synergies for the operation as a whole. The category will consider nominations from brokerages that have implemented such plans, effectively broadening existing revenue streams and leveraging the success of an existing book of mortgage clients.
Judges will consider submitted collateral explaining the business model, brokerage strategy, revenue growth 2015 post-diversification, client testimonials, etc.
The nomination for this event is now closed.
Please check out our upcoming events.back to all awards


Table of Contents
- Identity of the Entrepreneur
- The Offer
- The Agreement
- Right of Withdrawal
- Costs in Case of Withdrawal
- Exclusion of Right of Withdrawal
- The Price
- Conformity and Warranty
- Delivery and Implementation
- Complaints Procedure
- Additional or Different Provisions
Article 1. Definitions
In these conditions the following terms have the following meanings:
- Reflection period: the period within which the consumer can make use of his right of withdrawal;
- Consumer: the natural person who does not act in the exercise of a profession or business and who enters into a distance contract with the entrepreneur;
- Day: calendar day;
- Durable medium: any means that enables the consumer or entrepreneur to store information that is addressed to him personally in a way that enables future consultation and unaltered reproduction of the stored information.
- Right of withdrawal: the option for the consumer to cancel the distance contract within the cooling-off period;
- Entrepreneur: the natural or legal person who offers products and / or services to consumers from a distance;
- Distance contract: an agreement whereby, in the context of a system organized by the entrepreneur for the distance sale of products and / or services, up to and including the conclusion of the agreement, only one or more techniques for communication are used. distance;
- Technology for distance communication: means that can be used to conclude an agreement, without the consumer and entrepreneur being together in the same room at the same time.
Article 2. Identity of the Entrepreneur
Chamber of Commerce number: 09109756
VAT identification number: NL808578765B01
Article 3. Applicability
- These general terms and conditions apply to any offer from the entrepreneur and to any distance contract concluded between the entrepreneur and the consumer.
- Before the distance contract is concluded, the text of these general terms and conditions will be made available to the consumer. If this is not reasonably possible, before the distance contract is concluded, it will be indicated that the general terms and conditions can be viewed at the entrepreneur and that they will be sent free of charge as soon as possible at the request of the consumer.
- If the distance contract is concluded electronically, contrary to the previous paragraph and before the distance contract is concluded, the text of these general terms and conditions can be made available to the consumer electronically in such a way that they are consumer can be easily stored on a durable data carrier. If this is not reasonably possible, before the distance contract is concluded, it will be indicated where the general terms and conditions can be inspected electronically and that they will be sent free of charge electronically or otherwise at the request of the consumer.
Article 4. The Offer
- If an offer has a limited period of validity or is made subject to conditions, this will be explicitly stated in the offer.
- The offer contains a complete and accurate description of the products and / or services offered. The description is sufficiently detailed to enable the consumer to make a proper assessment of the offer. If the entrepreneur uses images, these are a true representation of the products and / or services offered. Obvious mistakes or errors in the offer are not binding for the entrepreneur.
- Each offer contains such information that it is clear to the consumer what rights and obligations are attached to accepting the offer. This concerns in particular:
- the price including taxes;
- the possible costs of delivery;
- the way in which the agreement will be concluded and which actions are required for this;
- whether or not the right of withdrawal applies;
- the method of payment, delivery and implementation of the agreement;
- the term for accepting the offer, or the term within which the entrepreneur guarantees the price;
- whether the agreement will be filed after it has been concluded, and if so, how it can be consulted by the consumer;
- the way in which the consumer, before concluding the agreement, can check the information provided by him under the agreement and, if necessary, restore it;
- any other languages in which, in addition to Dutch, the agreement can be concluded;
- the behavioral codes to which the entrepreneur is subject and the way in which the consumer can consult these behavioral codes electronically.
Article 5. The Agreement
- Subject to the provisions of paragraph 4, the agreement is concluded at the moment the consumer accepts the offer and meets the corresponding conditions.
- If the consumer has accepted the offer electronically, the entrepreneur will immediately confirm receipt of the acceptance of the offer electronically. As long as the receipt of this acceptance has not been confirmed by the entrepreneur, the consumer can dissolve the agreement.
- If the agreement is concluded electronically, the entrepreneur will take appropriate technical and organizational measures to secure the electronic transfer of data and he will ensure a safe web environment. If the consumer can pay electronically, the entrepreneur will take appropriate security measures.
- The entrepreneur may — within legal frameworks — inquire whether the consumer can meet his payment obligations, as well as all those facts and factors that are important for a responsible conclusion of the distance contract. If, on the basis of this investigation, the entrepreneur has good reasons not to enter into the agreement, he is entitled to refuse an order or request or to attach special conditions to the implementation.
- The entrepreneur will send the following information with the product or service to the consumer, in writing or in such a way that it can be stored by the consumer in an accessible manner on a durable medium:
- the visiting address of the business location of the entrepreneur where the consumer can go with complaints;
- the conditions under which and the way in which the consumer can make use of the right of withdrawal, or a clear statement regarding the exclusion of the right of withdrawal;
- information about guarantees and existing service after purchase;
- the information included in article 4 paragraph 3 of these terms and conditions, unless the entrepreneur has already provided this information to the consumer before the execution of the agreement;
- In the event of an extended transaction, the provision in the previous paragraph applies only to the first delivery.
Article 6. Right of Withdrawal
- When purchasing products, the consumer has the option to dissolve the contract without giving any reason within 14 days. This reflection period commences on the day after receipt of the product by the consumer or a representative designated in advance by the consumer and announced to the entrepreneur.
- During the reflection period, the consumer will handle the product and packaging with care. He will only unpack or use the product to the extent necessary to assess whether he wishes to keep the product. If he makes use of his right of withdrawal, he will return the product with all accessories and — if reasonably possible — in the original condition and packaging to the entrepreneur, in accordance with the reasonable and clear instructions provided by the entrepreneur.
Article 7. Costs in Case of Withdrawal
- If the consumer makes use of his right of withdrawal, the costs of return shall not exceed the cost of the return.
- If the consumer has paid an amount, the entrepreneur will refund this amount as soon as possible, but no later than 30 days after the return or cancellation.
Article 8. Exclusion of Right of Withdrawal
- The entrepreneur can exclude the consumer’s right of withdrawal insofar as provided for in paragraphs 2 and 3. The exclusion of the right of withdrawal applies only if the entrepreneur has clearly stated this in the offer, at least in time for the conclusion of the agreement.
Article 9. The Price
- During the period of validity stated in the offer, the prices of the products and / or services being offered will not be increased, except for price changes as a result of changes in VAT rates.
- Price increases within 3 months after the conclusion of the agreement are only permitted if they are the result of statutory regulations or provisions.
- Price increases from 3 months after the conclusion of the agreement are only permitted if the entrepreneur has stipulated this and:
- they are the result of statutory regulations or provisions; or
- the consumer has the authority to cancel the agreement on the day on which the price increase takes effect.
- The prices stated in the offer of products or services include VAT.
Article 10. Conformity and Warranty
- The entrepreneur guarantees that the products and / or services comply with the agreement, the specifications stated in the offer, the reasonable requirements of reliability and / or usability and the legal requirements existing on the date of the conclusion of the agreement. A guarantee provided by the entrepreneur, manufacturer or importer does not affect the legal rights and claims that the consumer can assert against the entrepreneur on the basis of the agreement.
Article 11. Delivery and Implementation
- The entrepreneur will take the greatest possible care when receiving and implementing orders for products and when assessing applications for the provision of services.
- The place of delivery is the address that the consumer makes known to the company.
- With due observance of what is stated in article 4 of these general terms and conditions, the company will execute accepted orders with due speed, but no later than 30 days unless a longer delivery period has been agreed. If the delivery is delayed, or if an order cannot or only partially be executed, the consumer will be notified of this no later than 30 days after placing the order. In that case, the consumer has the right to terminate the agreement without costs.
- In case of dissolution in accordance with the previous paragraph, the entrepreneur will refund the amount that the consumer has paid as soon as possible, but no later than 30 days after dissolution.
- If delivery of an ordered product proves impossible, the entrepreneur will endeavor to provide a replacement article. At the latest upon delivery, it will be stated in a clear and comprehensible manner that a replacement item is being delivered. For replacement items right of withdrawal can not be excluded. The costs of a possible return shipment are for the account of the entrepreneur.
- The risk of damage and / or loss of products rests with the entrepreneur until the moment of delivery to the consumer or a representative designated in advance and announced to the entrepreneur, unless expressly agreed otherwise.
Article 12. Payment
- Unless otherwise agreed, the amounts owed by the consumer must be paid within 14 days after the start of the reflection period as referred to in Article 6 paragraph 1. In the event of an agreement to provide a service, this period commences. after the consumer has received the confirmation of the agreement.
- The consumer has the duty to report inaccuracies in provided or stated payment details to the entrepreneur without delay.
- In the event of non-payment of the consumer, the entrepreneur has the right, subject to legal restrictions, to charge the reasonable costs made known to the consumer in advance.
Article 13. Complaints Procedure
- The entrepreneur has a well-publicized complaints procedure and handles complaints in accordance with this complaints procedure.
- Complaints about the implementation of the agreement must be submitted to the entrepreneur promptly, fully and clearly described, after the consumer has discovered the defects.
- Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeable longer processing time, the entrepreneur will reply within 14 days with a notice of receipt and an indication when the consumer can expect a more detailed answer.
- If the complaint cannot be resolved by mutual agreement, a dispute arises that is subject to the dispute settlement procedure.
Article 14. Disputes
- Contracts between the entrepreneur and the consumer to which these general terms and conditions apply are exclusively governed by Dutch law.
Article 15. Additional Or Different Provisions
Additional provisions or provisions deviating from these general terms and conditions may not be to the detriment of the consumer and must be recorded in writing or in such a way that they can be stored by the consumer in an accessible manner on a durable data carrier.


For the tribal community of Veti Murbad, rice is more than just a crop. It’s a phenomenon which determines how the community behaves throughout the year. No matter where the villager has gone to work during the summer months, he/she will return back to the farm to plant rice in the rain and wait in the village (or take up work only in the proximity) till the harvest and processing is done. Various festivals, gatherings, marriages and even economic cycles are intertwined with the sowing, replanting, deweeding, flowering, harvest and processing of rice. However, once a completely free of monetary costs activity, is now a burden to some.
Rice has become a loss making enterprise as voluntary and community sweat equity labour is now replaced by paid one and home grown bulls are now replaced by diesel run tractors. The most degrading shift for this activity however is the shift from natural heirloom seeds to hybrid ones. Native heirloom seed have an intrinsic disaster and pest repellent mechanism. They are developed through generations of planting and hence can be used again and again every season. However hybrid seed demands an intense supply of chemical pesticides and fertilizers. They also entail that the farmers buys seed every year, instead of saving seed like they used to. The bait for temporary high yield sets a permanent trap of market dependence for the farmers.
The seed bank at Veti Murbad is the architectural manifestation of a four year long community seed conservation process initiated by the Jatra in the village. Realizing the importance of rice to the village, the seed bank currently focuses on rice seed conservation. With the help of BIAF, Jawhar, we have been conserving heirloom seeds since the inception of the program and now have started making the seed available for communities and individual farmers.
For the seed bank, we chose to refurbish the old wattle and daub house of one of the founding members of the Jatra, Pratik Dhanmer. With the seed bank, the structure is expected to host the village activities of the Jatra, be a community space for the self help groups that the Jatra deals with, bamboo treatment facility and a workshops space to learn both farming and natural building. With this, the seed bank is expected to be an exhibit of wattle and daub technology. Each wall is done by modifying the traditional wattle and daub so as to suit the modern context. The building of the seed bank is done completely through workshops. It is an attempt to democratize the natural building processes where students and professionals from all fields are invited to assist us in the construction. This is done through various building workshops and volunteering programs. Each workshops adds new life to the seed bank as the batches add their mark to the structure via murals, frescos and wall arts.
Copyright DesignJatra. All rights reserved.
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I. General Terms and Conditions
§ 1 Basic Provisions
(1) The following terms and conditions apply to contracts that you conclude with us as the supplier (mute-labs GmbH) via the website www.mute-labs.de, unless an amendment is agreed in writing between the parties. Deviating or conflicting terms and conditions are only effective with our express consent.
(2) We only offer our products for sale if you are a natural or legal person or a partnership with legal capacity acting in the exercise of your commercial or independent professional activity when concluding the legal transaction (entrepreneur). The conclusion of a contract with consumers is excluded.
2 Conclusion of the contract
(1) The subject of the contract is the sale of goods. The essential features of the goods can be found in the respective offer.
(2) As soon as the respective product is placed on our website, we submit a binding offer to conclude a contract via the online shopping basket system under the conditions stated in the respective offer.
(3) The contract is concluded via the online shopping basket system as follows:
The goods intended for purchase are placed in the "shopping basket". You can call up the "shopping basket" via the corresponding button in the navigation bar and make changes there at any time.
After calling up the "Checkout" page and entering the personal data as well as the payment and shipping conditions, all order data are finally displayed again on the order overview page.
If you use an instant payment system (e.g. PayPal / PayPal Express, Amazon Payments, Sofort) as a payment method, you will either be taken to the order overview page in our online shop or you will first be redirected to the website of the instant payment system provider.
If you are redirected to the respective instant payment system, make the appropriate selection or enter your data there. Finally, you will be redirected back to our online shop to the order overview page.
Before submitting the order, you have the option of checking all the details again, changing them (also using the "back" function of the Internet browser) or cancelling the purchase. By sending the order via the corresponding button, you declare the legally binding acceptance of the offer, whereby the contract is concluded.
(4) You can also submit a binding contractual offer (order) by telephone, e-mail, fax or post.
The acceptance of the offer (and thus the conclusion of the contract) takes place in the case of an order by telephone immediately or at the latest within 5 days by means of a confirmation in text form (e.g. e-mail) in which the execution of the order or delivery of the goods is confirmed to you (order confirmation).
If you have not received a corresponding message within this period, you are no longer bound to your order. In this case, any services already provided will be refunded immediately.
(5) Upon request, we will provide you with an individual offer, which will be sent to you in text form and to which we are bound for 5 days. You accept the offer with confirmation in text form.
(6) The processing of the order and transmission of all information required in connection with the conclusion of the contract is partly automated by e-mail. You must therefore ensure that the e-mail address you have provided to us is correct, that the receipt of e-mails is technically guaranteed and, in particular, that it is not prevented by SPAM filters.
3 Prices, terms of payment and shipping costs
(1) The prices stated in the respective offers as well as the shipping costs represent net prices. They do not include the statutory value added tax.
(2) The shipping costs incurred are not included in the purchase price; they are charged separately unless free shipping has been promised. Further details can be found under a correspondingly designated button on our website or in the respective offer.
(3) You have the payment options shown under a correspondingly designated button on our website or in the respective offer. Insofar as no other payment deadline is specified for the individual payment methods or on the invoice, the payment claims from the concluded contract are due for payment immediately. The deduction of discounts is only permissible if expressly stated in the respective offer or invoice.
§ 4 Terms of delivery
(1 ) The expected delivery period is stated in the respective offer. Delivery dates and delivery periods are only binding if they have been confirmed by us in writing. In the case of payment in advance by bank transfer, the goods will only be dispatched after we have received the full purchase price and the shipping costs.
(2 ) If, contrary to expectations, a product ordered by you is not available for a reason for which we are not responsible, despite the timely conclusion of an adequate covering transaction, you will be informed immediately of the unavailability and, in the event of withdrawal, any payments already made will be refunded immediately.
(3 ) Partial deliveries are permissible and can be invoiced by us independently, provided that you are not charged additional costs for shipping as a result.
(4 ) If you wish to change the delivery/assembly date or cancel the delivery at short notice, we will incur costs. We therefore reserve the right to invoice you for delivery and assembly costs according to the following scale:
§ 5 Warranty
(1 ) The warranty period is 2 years from delivery of the item. The shortened period does not apply:
- for culpably caused damage attributable to us arising from injury to life, limb or health and for other damage caused intentionally or through gross negligence;
- insofar as we have fraudulently concealed the defect or have assumed a guarantee for the quality of the item;
- for items that have been used for a building in accordance with their normal use and have caused its defectiveness;
- for statutory recourse claims that you have against us in connection with warranty rights.
(2 ) Only our own specifications and the manufacturer's product description shall be deemed agreed as the quality of the item, but not other advertising, public promotions and statements by the manufacturer.
(3 ) In the event of defects, we shall provide warranty at our discretion by rectification or subsequent delivery. If the rectification of defects fails, you may, at your discretion, demand a reduction in price or withdraw from the contract. The rectification of defects shall be deemed to have failed after the second unsuccessful attempt, unless the nature of the item or the defect or other circumstances indicate otherwise. In the event of rectification of defects, we shall not have to bear the increased costs incurred by moving the goods to a location other than the place of performance, provided that the move does not correspond to the intended use of the goods.
(4 ) If permanent changes are made to the product (e.g. drilling holes, installation of components other than the product, etc.), any claim to the product warranty is void.
§ 6 Right of retention, retention of title
(1) You may only exercise a right of retention insofar as it concerns claims from the same contractual relationship.
(2) We retain title to the goods until all claims arising from the current business relationship have been settled in full. Prior to the transfer of ownership of the reserved goods, a pledge or transfer of ownership by way of security is not permitted.
(3) You may resell the goods in the ordinary course of business. In this case, you hereby assign to us all claims in the amount of the invoice that accrue to you from the resale, and we accept the assignment. You are further authorised to collect the claim. However, insofar as you do not properly fulfil your payment obligations, we reserve the right to collect the claim ourselves.
(4) If the reserved goods are combined and mixed, we shall acquire co-ownership of the new item in the ratio of the invoice value of the reserved goods to the other processed items at the time of processing.
(5) We undertake to release the securities to which you are entitled at your request insofar as the realisable value of our securities exceeds the claim to be secured by more than 10%. The selection of the securities to be released is incumbent upon us.
§ 7 Choice of law, place of performance, place of jurisdiction
(1) German law shall apply to the exclusion of the UN Convention on Contracts for the International Sale of Goods.
(2) Place of performance as well as place of jurisdiction is our registered office, as far as you are a merchant, a legal entity under public law or a special fund under public law. The same applies if you do not have a general place of jurisdiction in Germany or the EU.
1. Identity of the Seller
Phone: 030-397 119 96
2 Information on the conclusion of the contract
The technical steps for the conclusion of the contract and the conclusion of the contract itself, as well as the correction options, are carried out in accordance with § 2 of our General Terms and Conditions (Part I).
3. contract language, contract text storage
3.1. contract language is german.
3.2. The complete contract text will not be stored by us. Before sending the order or the enquiry, the contract data can be printed out or electronically saved using the browser's print function.
These GTC have been prepared by the lawyers of the Händlerbund who specialise in IT law and are permanently checked for legal conformity. Händlerbund Management AG guarantees the legal security of the texts and is liable in the event of warnings. You can find more information on this at: http://www.haendlerbund.de/agb-service.


Mr. Igor Cornelsen is a leading Brazilian banker and financial advisor who has spearheaded investment strategies. He is the proprietor of Bainbridge, Inc. who helped to back Brazilian banks when the country was going through some economic turbulence. Brazil is now experiencing a good economic surge and Igor Cornelsen is leading the charge. He is inviting key players to partner with the country and invest in foreign property again. To help investors, Mr. Cornelsen is providing insight into the safe and proper way to avoid pitfalls and maximize your personal gains without taking too much risk.
Firstly, Mr. Cornelsen suggests that investors become familiar with Brazilian currency laws. Brazil has varied exchange rates and getting to know them would be advantageous. Also, an authorized bank for exchange transactions is required if you are not a resident or a local business. Next, Igor understands his native country and networking is vital to accomplish any investment transactions. He suggests that you establish local business relationships and begin networking.
Brazil is a country that has lots of focus aptitude business owners, especially those between the ages of 18 and 64 who are self-staring entrepreneurs. Brazilians want their country to be economically sound so they are eager to talk to people who want to invest in their homeland and who are ready to petition innovative ideas. Lastly, Igor Cornelsen said to be prepared for lots of governmental red tape.
The Brazilian government has been through a lot and the economy is coming back but it is still frangible, which is why there are many regulations to help protect its economy. Before you sign up to invest in Brazilian property, do your research to prepare yourself to avoid some regulations and to embrace others. Mr. Cornelsen’s investment firm is helping investors navigate the rocky economic waters in Brazil.
His success rate proceeds his reputation as a professional investor whose investment strategies yield great returns. Igor says that the Brazilian government carries a reputation for its stiff regulations but this is changing. Brazil is a worthwhile investment location but it can be a nightmare if you don’t work within and around their regulations and become familiar with exchange rate transactions. Mr. Cornelsen said that investors must make erudite decisions first and his firm is ready to help and guide investors through the lucrative Brazilian maze for greater returns.
The oldest serving bank official in the world finally threw in the towel and opted to resign at the age of ninety-one years. The exit of Mr. Lazaro de Mello Brandao comes as a surprise since he served the bank as President for as long as many can remember. He gave the bank a total of 75 years of service. He will now be replaced by the current Chief Executive Officer Mr. Luiz Carlos Trabuco Capp. The exit has already seen industry observers and investors speculate on the possible CEO replacements. Banco Bradesco has over the past several years developed a culture of picking executive officials from its talent pool. The strategy of tapping into its own human capital as opposed to looking elsewhere has been one of the secrets of Bradesco Bank’s growth.
Luiz Carlos Trabuco Capp will now hold the two positions until a new Chief Executive Officer is appointed in March next year. Luiz Carlos Trabuco Capp attempting to calm speculations indicated that the bank will follow a specified procedure that will take the next few weeks. In any case, we already know the next CEO will be one of the well-performing executive officers of the bank. This has however not stopped analysts from speculating. Some of the names thrown around as possible replacements include; Domingos Figueiredo Abreu the current head of the bank’s treasury, Mauricio Machado de Minas the head of IT, Josué Augusto Pancini the head of the bank branch network, Alexandre da Silva Gluher the chief risk officer, André Rodrigues Cano the head of human resource, and Octavio de Lazari who heads the bank’s insurance unit. The bank does not face any shortfall of talent in this case.
For the next months, however, Luiz Carlos Trabuco Capp will continue to juggle both responsibilities. Having risen through the ranks of Banco Bradesco, few people match his knowledge of the bank’s operations. Luiz Carlos Trabuco Capp started working as a bank teller for Bradesco when he was only eighteen years old in 1969. His rise up the ranks began soon after. He became branch manager after a few years, then moved on to be a district manager and a regional manager in a span of 15 years. He was then appointed the marketing director where he served for the 8 years leading to 1992.
By this time the Banco Bradesco had begun to tap Luiz Carlos Trabuco Capp for strategic assignments. In 1992, he was appointed the Chief Executive Officer of Bradesco Vida Previdencia a private pensions firm owned by the bank. Following successful growth at the Pensions Firm, Luiz Carlos Trabuco Capp was Elected Managing Director of Banco Bradesco in 1998 and a year later he became the Executive Vice President. In 2003, he was appointed the President of Bradesco Seguros which was composed of eight companies. It was here that Luiz Carlos Trabuco Capp proved that he was ready for even bigger responsibilities. Under his management, Bradesco Seguros grew astronomically doubling its size. He saw it grow its market niche to 25 percent of the Brazilian market. He guided the insurance company under Bradesco Seguros to become the largest in Latin America by market share.
When the bank was looking for its 4th President in 2009, it was inevitably natural that Luiz Carlos Trabuco Capp will be selected. Nobody had made more progress for the bank than he had done in a period of 40 years. As CEO of Bradesco, he navigated the bank through the financial crisis of 2008/2009. By 2015, the bank was healthy enough to take over HSBC Brazil. The takeover expanded Banco Bradesco’s market niche further. For more information visit:http://www.camar.sp.gov.br/images/imagesnoticias/851/principal.html


Fred. Olsen Windcarrier has signed a long-term time charter with Falcon Global for their jack-up vessel Jill. The jack-up vessel will be an integrated part of the Fred. Olsen Windcarrier jack-up fleet for offshore wind, where she will be under commercial management of Fred. Olsen Windcarrier. She will be working out of Europe and mainly carry out O&M work in offshore wind.
"We look forward to showing the offshore wind market what this vessel is capable of."
The vessel is currently on a heavy lift vessel across the Atlantic from the Gulf of Mexico, and she is ready to commence work in Europe from mid-April 2019. Jill´s first job in Europe will be suction bucket installation tests out of Frederikshavn in Denmark together with Universal Foundation scheduled to commence 2nd half of April. The first contracts for main component exchanges will take place shortly after arrival.
“With Jill joining our fleet, Fred. Olsen Windcarrier can provide a competitive vessel to the O&M market for the 3-5 MW offshore wind turbines. Jill is capable of servicing up to 80% of the installed offshore wind base and we look forward to showing the offshore wind market what this vessel is capable of. Apart from using her for major component exchanges within O&M, she can among other things also be used for offshore accommodation and for blade transportation”, said Casper Toft, Chief Commercial Officer, Fred. Olsen Windcarrier.
“We are pleased to have Jill join our fleet. This agreement will strengthen our relationship with Falcon Global and give us valuable experience in working together to provide services to clients. We will combine the American crew with the Fred. Olsen Windcarrier experience and safe hands from the offshore wind industry”, said Alexandra Koefoed, Managing Director, Fred. Olsen Windcarrier.
Jill is a smaller and lighter jack-up vessel than the existing Terns in the Fred. Olsen Windcarrier fleet. She is equipped with 102 m long legs, a rack and pinion hydraulic jacking system, a large cargo deck and in addition to her main crane, good crane coverage by her three auxiliary cranes. She was built to accommodate 132 persons in addition to crew, this will however be limited to a total of 80 persons in Europe. Jill is capable of transporting WTG components up to 5MW and can carry major components such as gearboxes, generators, transformers, blades and full drive trains for O&M jobs. Furthermore, all required lifting equipment can be supplied.
Falcon Global agreement
In March of 2018, Fred. Olsen Windcarrier announced the cooperation agreement with Falcon Global LLC (a subsidiary of SEACOR Marine Holdings Inc.). The agreement states that each party will exclusively contribute vessels and marine/installation crew to the US market and operate a full spread of offshore wind installation feeder vessels for the US offshore wind market.
Read the press release here: Fred. Olsen Windcarrier and Falcon Global Announce Cooperation Agreement in Offshore Wind


The Government has announced significant changes to the super reforms that were proposed in the May Budget1. While we view this as a positive outcome with further clarity around super, the reality is that the ability for Australians to put money into this tax effective environment is continually being limited. To really make the most of your super and to benefit from its critical role in your overall financial planning, we invite you to contact us. We would like to discuss with you your super opportunities in the light of the recent Government announcements and to suggest any appropriate changes to your strategy.
The changes to the proposed superannuation reforms are as follows (please note that further changes could result as the legislation passes through the Lower and upper Houses):
- The $500K lifetime Non Concessional Contributions (NCC) Cap has been dropped.
- The Government has instead announced a reduction of the current annual NCC Cap from $180K to $100K from 1 July 2017. This will mean you can continue to contribute NCCs of up to $180K, and use the bring forward rule to $540K this financial year. The 3-year bring forward provisions will remain as per the current provisions based on the lower cap. No Non Concessional Contributions will be allowed once the proposed $1.6 million transfer cap has been reached.
- The reduction to a $25K concessional contributions cap will remain in place and commence from 1 July 2017.
- The concessional contribution catch up provisions have been delayed and will now not commence until the 2019/2020 financial year.
- The Government has confirmed that Division 293 tax on Super will be reduced to individuals with salaries above $250,000 p.a.
- The Government has changed its mind on the removal of the work test for those aged over 65.
While we await the final outcome of the super reforms, we offer three tips to help you make the most of your super.
TIP 1 – Wealth Accumulation
If you are using super to accumulate wealth for a comfortable retirement, you would be wise to consider other tax effective wealth accumulation strategies to complement your super.
TIP 2 – Asset Allocation
If the legislation does cement restrictions on the amount that you can contribute to super, this will place even more pressure on investment returns. The most important influence on your portfolio’s long-term performance is asset allocation. An appropriately diversified portfolio may help you work towards your financial goals and manage your investment risk.
TIP 3 – Investment Choice
There are a plethora of options when it comes to investment portfolios. It is important to make an active choice in relation to how your superannuation is invested. Key issues such as asset class choice, diversification, active management, cost and income generation are all important aspects to consider, with the most appropriate options varying depending on your individual situation.
We encourage you to take up our invitation to discuss your super strategies. Please contact our office on (07) 3808 2808 or email email@example.com.
Pacesetter Financial Services and its advisers are Authorised Representatives of Fortnum Private Wealth Pty Ltd ABN 54 139 889 535 AFSL 357306 trading as Fortnum Financial Advisers.
This information (including taxation) is of a general nature only and neither represents nor is intended to be personal advice on any particular matter. Pacesetter Financial Services strongly suggests that no person should act specifically on the basis of the information in this document, but should obtain appropriate professional advice based on their own personal circumstances.


Renting your Property
The buy-to-rent business is thriving in Portugal, in both the traditional tourist region of the Algarve as well as the emerging travel hotspots of Lisbon and Porto. With this in mind, Chestertons Portugal offers a rental service for investors looking to turn their property in Portugal into a lucrative rental business.
From long-term lets to holiday rentals, our property management department delivers a complete turnkey solution, making sure that every aspect of renting your property is given the utmost care and attention to detail in order to maximise your rental success.
In addition to working with existing property owners, our excellent sales team can also help and advise on locating and purchasing a buy-to-rent property for new investors in Portugal.
Our professional and reliable team takes care of everything, from responding to holiday enquiries, managing deposits and processing final payments through to organising a professional cleaning service along with property inspection visits to ensure that your property is always found in perfect condition.
But perhaps the biggest benefit of our rental management service is the peace of mind that comes from the knowledge that your property is in safe hands.
Get in touch with the Chestertons Portugal team today to discuss our rental property management service further.


Bi-weekly Lease Payments Now AvailableApr 1st, 2016
Competition Toyota will begin offering a bi-weekly lease payment option starting next week! Toyota Financial Services announced this morning that starting April 4, 2016 bi-weekly payments will replace semi-monthly lease payments.
This will hopefully lower your payments and make it easier to align your car payments with your pay schedule!
- Eligible on all 2016 Toyota models
- Bi-weekly leasing available on 24, 26, 39, 48 and 60 month term
- Eligible on low and standard KM lease
Ask your Product Advisor for more information


Cycle to Work scheme
The Cycle to Work scheme is a government initiative that allows you to get a brand new bike and safety equipment for your commute to work - all tax-free!
Raleigh endorses Cyclescheme who work with 2,000 independent bike shops across the country and over 500 brands of bikes to offer a cycle commuting solution for everyone.
Whether you live just a few minutes away from work, have to endure a long train journey or maybe have never even considered cycling to work before; there is a bike out there that can suit your needs perfectly and Cyclescheme is here to help you find it.
Getting a bike through Cyclescheme makes sense. Not only can you save an impressive amount of cash (between 25% - 39%, depending on how much tax you pay) you get to spread the cost over a year and there's no credit check either!
You've got up to £1,000 to spend, so make sure you make the most of the potential savings by getting a bike package that includes everything you need to cycle to work – this includes the essentials like lights, locks, helmets and clothing which can all be bought through the scheme.
FIND OUT MORE:
Visit www.cyclescheme.co.uk/challengeyourself for some top commuting tips from record-breaking Paralympian, Dame Sarah Storey.
To find out how much you can save and to apply online visit www.cyclescheme.co.uk/calculator.
We've put together a handy guide to the types of savings available exclusively through Raleigh stockists:
Any combination of Raleigh products is available through the Cycle to Work scheme up to £1,000.
Just call in at your nearest Raleigh stockist www.raleigh.co.uk/DealerLocator to ask about their involvement in the Cycle to Work scheme.