When and how will I get my refund?Updated 7 months ago
Your refund will be transferred as soon as we have processed your returned product, for which we will always try our best to do in a timely manner. Depending on the amount of returns that have to be processed at a given time, processing a return can take approximately 4 to 8 business days.
When your return has been processed, you will automatically receive a credit note from us via email. Once we've initiated your refund, these kinds of transactions take a couple of business days to process. It not only has to be processed by us, but also by a ‘payment service provider’ and of course by your own bank.
You will always receive your refund through the same payment method you have used to place the original order. Please note that the 'sender' of the refund transaction could also be Adyen, which is our payment provider. In the unlikely event that you still haven't received your refund two weeks after receiving your credit note, please contact our support team so we can investigate this.


What we do:
At Cohen & Cohen, P.C., we will act as attorneys and negotiate on your behalf with your creditors with the goal of settling your debt for a reduced amount. We open up a case file and treat it like any other legal matter we handle. We will work with our clients to develop an individual strategy and offer advice along the way. Depending on the clients’ specific requirements, we will draft settlement agreements and releases of liability prior to the disbursement of any funds for settlement purposes. Bottom line, debt settlement is a legal matter and we treat it as one.
How we do it:
We first meet with our clients face to face in our office for a free initial consultation (arrangements can be made for telephonic meetings for non-Denver Metro clients). If we decide to take your case we will provide a short punch list of information to gather and return to our office. After review, we will then begin crafting a debt settlement strategy and begin settling your debts after you have the opportunity to provide input. We are not so arrogant to assume we can foresee every possible client scenario. After all, the client may have already done some negotiations, may know the contact person, and generally have an idea of the direction and current case posture.
Our clients are often very surprised at the depth and scope information which is weighed when settling debt. There are so many unique circumstances and considerations which arise unexpectedly or are generally unanticipated. For example, length of the debt, bankruptcy, consumer litigation, availability of funds, timing issues, and so on.
One of the things which sets us apart from the traditional debt settlement company is that we are lawyers and we treat your case as such. For some it may be hard to believe, but attorneys have very stringent ethical requirements, especially accounting and bookkeeping, which they are required to adhere to otherwise they face strict discipline including the loss of a law license. Given this we provide a comprehensive debt analysis which includes your legal and non-legal options. For example, we can advise our clients what steps to take in the event litigation is needed. We are comfortable negotiating with law firms (indeed this is oftentimes preferred so we do not have to educate the collectors as to what they can and cannot do per Colorado law).
We can advise our clients to take appropriate measures to protect their assets just in case they need to file bankruptcy. Oftentimes we can assist our clients in pre & post-divorce planning and debt negotiations. Moreover we are knowledgeable about consumer litigation which helps us leverage our client’s position. Indeed, sometimes it is not in our clients best interests to settle the debt when litigation is the more appropriate remedy. When we talk bankruptcy or litigation we are not bluffing as we have the means and ability to pursue both.
With regards to the funding of the debt settlement, our clients can either provide to us a lump sum or build up a war chest with monthly payments. We hold all of the unearned client money in a trust account until the sooner of the debt settlement, earning our fees, or the client requesting a refund. We even send out a monthly statement of the amount left in the trust account, a description of the services performed that month, and our charges. Once you have accumulated the required amount (depends on each case) then we will begin the debt settlement process.
One of the biggest questions we get is, how do you make money? The answer is that our fees are earned on a combination of hourly rate and a percent of what we save our clients. The normal business model for this industry is a straight contingency as a percent of what is saved. The normal sales line is something along the lines of we don’t make money unless we save you money. At first impression this sounds like a good deal, but it has been our experience that it ends up harming the client. The primary reason for this is that some unscrupulous attorneys and non-attorney debt settlement agencies will do as little work possible on your file because they will make more money that way. The result is generally a worse result for the client and negative consequences.
Our system is set up to balance the two out. We have created a business model where yes, we have an incentive to save our clients as much possible but at the same time if extra work needs to be done to get to that point then we will also have no reason not to perform those services. Thus although we charge less on the savings side of the equation, the result is better for the client and we are still able to operate profitably.
Ultimately, once we have negotiated the debt we will abide by the clients instructions and either require a legally binding settlement agreement (i.e., contract) before re release the funds or other accord and satisfaction. Although nothing is bulletproof (run, don’t walk from those who guarantee results) we will do our best to ensure that the matter is put to rest once and for all and you have legal remedies if the creditor breaches.
We encourage you to check out our FAQ section on Attorney Debt Settlement for a list of the common questions and answers.
To schedule your initial consultation at our convenient central Denver location call 303-933-4529.
Bruce Robertson Cohen,
Robertson B. Cohen,


BerkleyMed is always looking for talented individuals who desire a career in insurance and risk management. Our corporate philosophy and financial success allow us to offer competitive salary and benefit packages.
If you are interested in pursuing career opportunities with us, please forward your resume to our Human Resources Department via the following:
Attn: Human Resources
16305 Swingley Ridge Rd
Chesterfield, MO 63017
BerkleyMed offers a competitive compensation and benefits package to meet the diverse needs of our employees and their family members.
Excellent medical and dental coverage offered for employees and dependents
401(k) savings plans with profit sharing contribution program
Pre-tax medical and dependent care flexible spending accounts
Life insurance, short-term, and long-term disability at no cost to the employee
Generous Vacation and Sick Leave
Flextime (with core hours)
Business casual work environment
Employee Assistance Program (EAP)
BerkleyMed is an equal opportunity employer. We are committed to maintaining an environment in which all employees are treated equitably. Our company policy provides for equal opportunity for qualified individuals regardless of race, color, religion, sex, national origin, creed, ancestry, age, marital status, or disability.


This is flybmi’s first Gender Pay Gap report, based on the new UK gender pay reporting requirements for companies employing over 250 staff.
The gender pay gap in flybmi is significantly influenced by the salaries and gender profile of our pilot and engineering teams, who make up 57% of its employees.
In common with the rest of the aviation industry, our pilots & engineers are predominately male and their salaries are high in relation to other flybmi employee groups.
This increases the gender pay gap at flybmi.
- Pay data for flybmi employees for the pay period including 05 April 2017 as specified by the UK regulations.
- Pay calculations are based on FTE adjusted total pay received in the month of April 2017 and includes basic salary, allowances and sector pay net of salary sacrifice amounts that individual employees may elect to make through flybmi’s payroll, such as individual pension contributions.
- Pay Calculations exclude overtime payments any benefits in kind.


Oulu, Finland: Optitune, one of the world’s most innovative nanocoating companies, based in Oulu Finland and operating globally, has successfully closed its latest growth financing round through Springvest Oyj. Optitune raised the full 5M EUR requested nearly a week before the deadline.
“We could not be more excited and humbled by the interest of the Finnish public,” says Jody Paulus, Optitune’s CEO. “We have really exciting plans to invest in our capabilities to assist clients with applying our coatings in mass production, which will fuel our growth over the next years”
“Optitune funding round was built on a clear need for investment to enable the company to continue its fast growth. Investors were interested in growth leap potential, cooperation with the global manufacturers of consumer goods as well as in multiple application areas of Optitune product enabling scaling of business on a high level,” says Päivi Malinen, CEO at Springvest Oyj.
“Optitune has indeed made several partnerships with well-known, industry-leading brands”, Jody Paulus adds, “Few other coating companies are innovating at the pace and with the successes that Optitune has and with this additional investment we can fast track our road to mass adoption in several industries.”
Optitune Oy has developed ultra-thin nanocoatings for metal, glass and plastic surfaces based on its proprietary polysiloxane technology. Optitune´s nanocoatings remain invisible to the naked eye, while providing best-in-class performance. The introduction of improved surface solutions in applications such as consumer electronics, home appliances, kitchen sinks and kitchen accessories can significantly increase the life cycle of these products and provide end user with clear values: durability, sustainability, and long-lasting visual beauty.
Optitune chemists and engineers are a determined team, intent on pushing the boundaries of possibility in terms of light transmission, surface management, and durability. Optitune’s patent-protected product portfolio includes flexible plastic hard coats, metal and glass coatings, light management, and optoelectronics materials. The nano-engineered optical coatings are developed and produced at Optitune’s facility in Oulu, Finland. Optitune’s sales team is located in Asia and Europe. For further information please visit: www.optitune.com
Springvest Oy, founded in 2012, is a financier company for Finnish start-up businesses. They are a trusted partner for start-up companies whose products and services make the world a better place. Springvest offers funding and opportunities to invest in unlisted companies that would otherwise be out of reach. Before, investing into promising start-ups was possible only for large capital owners, but since the founding of Springvest, investing into unlisted companies has been made more approachable. Springvest has a success rate of 100 % for its funding rounds, gathering more than 200 MEUR for its partners. For further information please visit: https://www.springvest.fi/
November 21st 2022
Jody Paulus, CEO
Mobile: +358 40 661 4656


We are a Living Wage Employer!
We are very proud to have been certified as a Living Wage Employer. I wanted to share a short article about why we chose to do this and what it means to pay a real living wage.
The news lately has been dominated by rising costs and the fear that many will not be able to make ends meet. Being an ethical business owner isn't just about looking after the planet, it's also about looking after our people and the local community. A significant part of this is paying a fair wage to everyone who works for us.
The National Living Wage, set by the government, is different to the Real Living Wage. Paying a Real Living Wage means paying all staff and contractors an hourly rate that is based on the true cost of living, including rent rates, fuel, energy and food. The Living Wage Foundation is an independent organisation which calculates this rate using the latest evidence for how much the necessary things in life actually costs for an average UK family.
Paying this higher hourly rate to staff obviously helps them greatly. It ensures that they are able to do more than just survive. However, over 20% of families in the UK still don't receive a real living wage, it is a wage that is paid voluntarily and is not yet law.
Since the Living Wage Foundation was formed great strides have been made in ensuring that people are not exploited. Getting accredited means that we are held to account and must increase our wages in line with the Real Living Wage when this is calculated annually. It also means that we are putting our support and our name to the cause of fair wages for all to help push for this wage to become law.
Thank you for reading!


Having the right insurance gives you the security of knowing that you are covered for those unexpected costs.
Sometimes things don't go to plan. Your car may breakdown or be involved in an accident, which could mean you miss your flight. You could lose your bag, or have money/passports stolen. Worst of all, you could end up having to make an unexpected visit to the hospital. Having the right travel insurance gives you the security of knowing that you are covered for those unexpected costs.
At Huben Travel, we believe you should be offered a wide selection of great value travel insurance policies, whether you’re travelling as an individual, a couple or a family. Whilst the choice of travel insurance provider lies with you, we have found that the products offered by First Travel Insurance have been great for our customers.
First Travel Insurance offers policies with no upper age limit for single trips, and up to the age of 79 for annual policies. First Travel Insurance provides cover for many sports and activities, including winter sports and scuba diving. All pre-existing medical conditions are considered.
In these unprecedented times. First Travel Insurance now includes enhanced Covid-19 Cover when you take out their Gold Cover, so you can book your holiday with confidence.
Please remember, there is no cover on any First Travel Insurance policies if you travel against the Foreign, Commonwealth and Development Office (FCDO), government, local authority or medical advice.
This insurance is provided by First Travel Insurance, which is a trading name of Rush Insurance Services Limited, who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and permitted to arrange general insurance contracts.


Please make a note of our new address:
5700 Broadmoor, Suite 505, Mission,
Phone: 913.831.0567 / Fax: 913.432.3754 / email@example.com
Serving the Greater Kansas City area for over 20 years,
Pamela K, Heaton CPA LLC is a tax and accounting firm located in Mission, Kansas. Focusing on small
business and individual tax accounting and consulting, Pamela provides the highest quality of service at an exceptional value.
Her expertise in financial accounting and reporting, tax planning and return preparation, as well as QuickBooks consulting
make her an excellent choice for your small business and personal accounting needs.
Located in Mission, Kansas, our office is easily accessible from most parts of the greater metropolitan area.


Some market watchers believe interest rates will fall because the Bank of England will be forced to stimulate the economy in the event of a leave vote. Economists at JP Morgan forecast borrowing costs could fall to zero by August if there is a vote to leave. In the run-up to the vote, five- and 10-year fixed-rate mortgages have been at their lowest ever level. This is because government bonds are seeing a drop in yields – or the interest rate they pay out to investors – as the City searches for havens for its cash in the event of a leave vote. If bonds become a hot ticket among investors and rise in price, then yields fall.
Ray Boulger, of mortgage brokers John Charcol, said the decline in yields has yet to be passed on fully so a remain vote should not necessarily lead to a sharp increase in mortgage rates. A vote to leave could cause the pound to plummet. In February, investment bank Goldman Sachs claimed the value of sterling could fall by up to 20%.
If such predictions are correct, holidaymakers heading to Spain and other eurozone countries might find the pound has less spending power than it did last summer. Last August £1 bought about €1.42; on Monday it was about €1.29, though that’s better than €1.26 last week. Anyone worried about the pound plunging, can buy currency now or load money on to a prepaid currency card. Money in bank accounts, savings accounts and cash Isas is protected up to the value of £75,000 by an EU directive. There is no need to withdraw cash from any bank or building society covered by this deposit guarantee, whereas cash stored under the mattress is rarely insured.
The Bank of England is likely to enter the market to provide liquidity – making sure banks have enough cash – if an exit vote prompts market mayhem and investors attempt to pull cash out of the UK. Indeed, the bank has been offering money to institutions via three pre-announced money market operations, where funds are offered to UK banks.
A range of organisations have predicted a Brexit vote would lead to a fall in property prices, and there is anecdotal evidence that many buyers and sellers have put their plans on hold until Friday at least. Some property websites has warned that Brexit would reverse the gains in house prices made over the past five years, citing Treasury research.
For investors looking to make money out of property, this will be bad news. But home buyers should look to the longer term. UK house building is not keeping up with demand, and unless mortgage rates rocket, that could mean upwards pressure on prices resumes once the dust has settled. Source: theguardian.com, Jun 22, 2016


When we first met with Adam we only had an approximate price point and a rough idea of desirable neighborhoods (northern suburbs). Adam prompted us to think about what was important for our search (old vs new construction, central air, lot size) and helped us create a personalized MLS search. From there we simply ranked properties and contacted Adam when we had a few we wanted to see. Adam was very knowledgeable about all aspects of buying a home. He was never pushy and knew a staggering amount about the neighborhoods (school districts etc) and the homes themselves. He was even able to give us rough cost estimates for upgrades we were considering for each property. His expertise was particularly valuable when it came time to make an offer. We found a home we loved listed around 250,000. We were ready to pay full price based on our limited knowledge of home values in the neighborhood. Adam did his own appraisal of the property and recommended we not pay more than 225,000 based on current market value. He helped us make an offer and negotiated a sale under his suggested price cap. We felt very fortunate to have an agent who was thinking about our long-term financial investment rather than his commission. The entire process was completely seamless. We will continue to use Adam indefinitely and would recommend him without reservation.


Whether you love them or hate them, in-app purchases aren’t going away anytime soon. In fact, they’re likely to grow even more prevalent as developers realize the potential to make serious money by employing them. Essentially, it’s a case of drawing people in with a free app, before hitting them where it hurts… in the pocket.
AppsFlyer recently published a breakdown of spending on in-app purchases across various metrics, and the results are extremely interesting. And it all starts with the finding that iOS users “spend two and half times more than Android users a month per app across verticals and regions”. This, Business Insider concludes, shows that “iOS users are less price-sensitive than Android users”.
The report also finds that Asian users spend more than any other group, an average of $0.70 per month per app. However, if North American users do commit to an in-app purchase they commit fully, spending an average of $43 compared to the $11 spent by the average Asian user. Latin American users, meanwhile, don’t spend much on average, but a small number of users (referred to as “whales”) are spending vast sums every month. So now you know.


Selling a home can often be a challenging and stress-inducing process. From preparing the property for sale to dealing with negotiations and the closing, the traditional real estate journey can be overwhelming. Fortunately, Pittsburgh Home Buyers offers an alternative path to homeowners in the Pittsburgh area, promising a smooth and stress-free home sale experience. In this article, we’ll delve into the world of Pittsburgh Home Buyers and explore how they simplify the process of selling your home.
The Traditional Home Selling Process
The conventional method of selling a home typically involves several intricate steps, including:
- Preparation: Getting your home ready for sale may require repairs, renovations, and staging, which can be time-consuming and costly.
- Listing: Finding the right real estate agent, determining the appropriate listing price, and creating marketing materials are crucial steps in the process.
- Showings: Once your home is listed, you’ll need to accommodate showings, which can disrupt your daily life and schedule.
- Negotiations: Offers may come in with various terms and conditions, leading to negotiations that can take time and effort.
- Inspections and Appraisals: The buyer’s inspections and appraisals can introduce further delays and complications.
- Closing: Finally, you’ll reach the closing table, but even this phase can be subject to delays due to financing issues or unexpected hurdles.
Pittsburgh Home Buyers: A Simpler Approach
Pittsburgh Home Buyers offers a refreshingly straightforward alternative. Here’s why their approach stands out:
- Quick and Hassle-Free Transactions
One of the primary benefits of Pittsburgh Home Buyers is the speed and simplicity they bring to the home selling process. They specialize in quick transactions, often allowing you to sell your home within days or weeks, rather than months.
- No Need for Repairs or Renovations
Unlike the traditional process, Pittsburgh Home Buyers purchases homes in their current condition. You don’t have to worry about making costly repairs or renovations to make your property market-ready.
- Eliminate Showings and Open Houses
With Pittsburgh Home Buyers, there’s no need to stage your home for showings or open houses. You won’t have strangers walking through your home, disrupting your daily life.
- No Commissions or Fees
Selling your home through a real estate agent typically involves paying commissions and fees. Pittsburgh Home Buyers eliminates these costs, ensuring that you receive the full offer amount.
- Streamlined Process
Pittsburgh Home Buyers simplifies the transaction process. They provide fair cash offers, handle the paperwork, and ensure a smooth and efficient sale from start to finish.
- Cash Offers
True to their name, Pittsburgh Home Buyers provides cash offers for your property. This can be particularly advantageous if you need to sell quickly due to financial constraints or other reasons.
Who Benefits from Pittsburgh Home Buyers?
Pittsburgh Home Buyers offers a solution for various situations:
- Homeowners Facing Foreclosure: If you’re at risk of foreclosure, a quick sale can help you avoid the financial and emotional toll of losing your property.
- Owners of Inherited Properties: Inherited properties can be a burden, especially if you live far away. Pittsburgh Home Buyers can provide a hassle-free way to sell these homes.
- Homeowners in Need of Quick Sales: Whether you’re relocating for work, going through a divorce, or facing unexpected financial challenges, Home Buyers can provide a rapid solution.
- Owners of Problematic Properties: If your home has structural issues or needs extensive repairs, Pittsburgh Home Buyers can offer an exit strategy without the need for costly fixes.
Conclusion: A Stress-Free Home Sale Awaits
Pittsburgh Home Buyers is revolutionizing the way homeowners approach the sale of their properties. With a commitment to simplicity, speed, and fairness, they offer an attractive alternative to the traditional real estate market. If you’re seeking a stress-free and efficient way to sell your home in Pittsburgh, Pittsburgh Home Buyers provides a straightforward path to closing the deal and moving on with your life. Say goodbye to the complexities of showings, negotiations, and delays, and say hello to a simpler, more efficient way to sell your home.


We’re focusing on fundraising for the new Clubhouse Project and found a great way to raise money for free, simply by shopping online through a website – www.easyfundraising.org.uk
Whenever you buy anything online you can make a free donation for the RACC Clubhouse Project.
There are over 2,700 retailers registered with the site, including Amazon, John Lewis, eBay and Tesco who will donate a percentage of what you spend to RACC Clubhouse Project to say thank you for shopping with them.
It only takes 3 easy steps & costs you nothing:
1. Go to www.easyfundraising.org.uk/causes/raccclubhouseproject
2. Sign up for free
3. Get shopping and your donation will be sent to Royal Ascot Cricket Club. It couldn’t be easier!
Also if you have your own business then you can also make business purchases (e.g. stationary, travel, energy, telecoms, computers, web hosting) through easyfundraising.org.uk and get cash rewards paid to the RACC Clubhouse Project
Please encourage all your family and any friends interested in the cricket club to sign up to easyfundraising.org.uk for the RACC Clubhouse Project rewards.
If you have any questions about the club’s tie up with easyfundraising.org.uk then please email firstname.lastname@example.org


Call us now to start your recovery at Whiterock!
One Year Free Aftercare
At Whiterock, we realize that aftercare is critical for successful long-term recovery. That’s why one year free aftercare is included in the price of our residential treatment programs, for all patients who complete treatment. We also provide the option of online aftercare through our Wagon Online Outpatient Clinic.
We’re Currently Accepting New Patients
The admissions process begins when you call us and begin a confidential conversation with one of our admissions specialists—you can call anytime, day or night. We start by getting to know the patient by asking a number of questions to understand their situation, including clinical and medical needs. The initial phone conversation to gather this information will take about 20 minutes and may be with the patient, a family member, or a referring person. If Whiterock is the right place for the patient, admission can be scheduled as early as the same day. We try to ensure that people start treatment as soon as possible.
Costs and Payment for Private Detox and Drug Rehab
Whiterock is a private detox and drug rehab facility and we do not accept coverage from the provincial health insurance plan. The cost of private detox and drug rehab will vary based on the patient’s needs and length of stay in the Program. All services offered at Whiterock are at the patient’s discretion.
Many employee benefit plans cover EHN Canada’s residential treatment programs for alcohol and drug addiction. Call us now at 1-888-767-3955 and tell us the name of your employer and your insurance provider—we’ll help you figure out if you’re covered!
Financing for Private Detox and Drug Rehab
Paying for detox and addiction treatment can seem overwhelming. However, you have a number of different options for financing if you don’t have the money and your insurance coverage is insufficient.
Financing options include the following:
- Specialized loan: EHN Canada has partnered with PayPright to offer loan packages to help people pay for our treatment programs. They have lower interest rates than most credit cards and healthcare cards. Please visit PayBright’s website for more information.
- Home equity loan: if you have a home to offer as collateral, you may want to consider getting a home equity loan. They have lower interest rates than personal loans.
- Personal savings: you may want to think about using your personal savings instead of opening a credit card or getting a loan.
- Healthcare credit card: some credit card companies offer specialized healthcare cards with lower interest rates than standard credit cards.
- Payment plan or sliding scale: many recovery programs understand the hardship of paying for treatment and will create an individualized payment plan based on what people can realistically afford.
- Crowdfunding: you can create a campaign on crowdfunding websites, such as GoFundMe, in a few easy clicks and share it with friends and family to raise money for your treatment.
Call Us Now!
If you would like to learn more about the treatment programs offered at Whiterock, or if you would like to enrol, please call us at 1-888-767-3955. Our phone lines are open 24/7—so you can call us anytime.
Please call us at one of the numbers below, or e-mail us, if you’d like to enrol in one of our programs or if you’d like more information.
send us a message
Contact us and we will happily respond


Brad Paisley is the latest country star hoping to off load some real estate. According to the Los Angeles Times, he and his wife Kimberly are selling their Los Angeles home for just under $3 million. The four bedroom, three bath house is actually located in Pacific Palisades, which is just west of L.A. along the coast near Santa Monica. The house is almost 3,400 square feet and it features a detached garage with a bonus room and citrus trees in the lawn. If they get the asking price for the home, it will mean a nice profit for the couple who paid $1.644 million for the property back in 2004.


JUNIOR & MIDDLE CLASS FEES – 2021-22
All fees are paid monthly via Direct Debit as follows:
45 minute class = £18.50 per month 60 minute class = £25.00 per month
A 10% discount is offered to all students who take 3 or 4 classes per week.
A 15% discount is offered to all students who take 5 classes or more per week.
We also offer a 10% sibling discount to all children in the same family if they do not qualify for other discounts.


Income from sales of the Philosophical Quarterly enables the SPA to offer grants to support philosophy events organised in Scotland, including conferences and workshops, reading parties, and public lectures (lectures for primarily non-academic audiences). We offer grants:
- of up to £1,000 for one-day events
- of up to £1,500 for all other events.
However, in exceptional cases, and only when the need and justification for such additional funding is clear, the SPA can provide grants of up to £2,500.
The SPA normally will not support individual talks to academic audiences (i.e., academic research events that are not plausibly “workshops” or “conferences”); however, in exceptional circumstances, and only when the need and justification for such funding is clear, the SPA may support such talks.
Some guidelines for applications:
- Application budgets are normally expected to show other sources of income (e.g. support from the department hosting the event).
- SPA conference grants normally take the form of a guarantee against losses.
- SPA conference grants are normally made for events being held in Scotland.
- Events to be supported by the SPA are normally open to all SPA members and to all philosophy students in Scotland.
- The SPA expects that applicants will have given proper consideration to gender balance amongst the participants (speakers, commentators, chairs) in the planning of events. The SPA also expects that applicants give consideration to accessibility in the planning of their events, and asks applicants to note reasonable efforts made in this regard. (See suggested guidelines here.)
- Up to an additional £500 (guarantee against losses) is available for conference organizers to make free child care available to conference participants and delegates.
Applications should include (in this order):
- A description of the event (1-2 pages), including a brief explanation in their application if their proposed event is an exception to the norms and expectations described above.
- A proposed budget (1-2 pages), showing expenditure and other sources of income. This should include a breakdown of costs. In the case of lunches/dinners and refreshments, it should include the number of persons covered by the expense (so we can see cost per person), and a description of who is to be covered (conference organizers, speakers, other attendees?). Note: In cases of requests involving expenses for non-speakers, the SPA typically sets a higher bar for funding, and expects that organizers will have given special consideration to cost-effectiveness, and whether the expenses are necessary for the success of the given event.
Decisions about conference grants are made by the SPA Committee. Applications can be made at any time, and should be sent to the Secretary at firstname.lastname@example.org. Because funding is limited each academic year, it makes sense to apply as early as possible.
Supported conferences should acknowledge the financial support of the SPA on all the publicity announcing the event. SPA logos can be downloaded here: round-black, round-white-1, round-white-2, round-invert, horizontal-black, horizontal-white.


When you play at European Online Casinos, you have two options – either play for fun or play with real money. If you choose the latter, you don’t need to make a deposit or add a payment method to your account page. On the other hand, if you decide to play for real money, you have dozens of options before you.
Payments have evolved a lot since the golden days of Las Vegas. You don’t need to buy coins anymore and feed a machine to start playing. Well, you do, but in a virtual setting and in a completely different way.
Payments have gone digital and include everything from credit and debit cards to e-wallets and cryptocurrency where you store your money online. e-Wallets are by far the most popular option for most players, giving you a chance to pay on the go easily and quickly.
They can be used for both deposits and withdrawals. Widely considered just as safe as credit and debit cards, e-wallets can be used much easier. You can fund them with other e-wallets and via credit & debit cards, making them as flexible as they can be.
The biggest advantage is that they’re all online. You fund them electronically by sending money from other payment options and transfer them to casinos in the same way. There are no banks playing the role of a middle man and no obstacles to make deposits and withdrawals easily. They’re the payment method of a new era, and the most popular option for most European players.
This offer is only available for first time depositors. Excl. new players in N.I. Min deposit is £10. 50 Free Spins on Book of Dead. Spin Value: £0.10. After your first deposit you may claim your 30 Extra Free Spins by visiting the Kicker Section. No min withdrawal. This offer cannot be used in conjunction with any other offer. Full T&C's Apply
18+ New Players Only. Min. Wagering Requirement. Valid until Further Notice. Full T&C's Apply
The Future of Fast and Secure Online Gambling
In the ever-evolving world of online gambling, one of the most sought-after features is the ability to receive instant payouts. Traditional online casinos often come with delays in processing withdrawals, leaving players waiting for days or even weeks to access their winnings. However, the advent of instant pay casino sites has revolutionized the industry by offering swift and hassle-free withdrawals, providing players with an enhanced gaming experience. In this article, we will explore the concept of instant pay casino sites, their benefits, and the key factors to consider when choosing a platform.
What are Instant Pay Casino Sites? Instant Pay Casino Sites, also known as Instant Withdrawal Casinos, are online gambling platforms that prioritize the rapid processing of player withdrawals. These sites utilize advanced payment systems and technologies to ensure that players receive their winnings within minutes or hours, rather than enduring prolonged waiting periods.
Benefits of Instant Pay Casino Sites
Speedy Withdrawals: The primary advantage of instant pay casino sites is the promptness with which players can access their winnings. Unlike traditional casinos that may take days or even weeks to process withdrawals, instant pay sites utilize efficient payment methods to provide swift transactions, enabling players to enjoy their funds almost immediately.
Enhanced Convenience: Instant pay casino sites cater to the modern player’s desire for convenience. By eliminating lengthy withdrawal procedures, these platforms allow players to manage their funds efficiently, offering a seamless and hassle-free gaming experience.
Trust and Security: Instant pay casinos often employ cutting-edge encryption technologies and stringent security measures to safeguard players’ financial information. With fast withdrawals, players can have peace of mind knowing that their funds are handled securely and promptly.
Increased Player Satisfaction: The instant gratification offered by instant pay casino sites enhances player satisfaction and overall enjoyment. Being able to withdraw and access winnings instantly boosts players’ confidence in the casino, leading to a more positive and engaging gambling experience.
Key Factors to Consider:
Payment Methods: Instant pay casino sites usually offer a variety of payment options to facilitate swift withdrawals. Look for platforms that support e-wallets, such as PayPal, Neteller, or Skrill, as these tend to provide the fastest payout processing times.
Reputation and Licensing: Prioritize licensed and regulated instant pay casinos to ensure fair play and reliable operations. Trusted regulatory bodies, such as the UK Gambling Commission or the Malta Gaming Authority, provide oversight and ensure that casinos adhere to industry standards.
Terms and Conditions: Carefully review the terms and conditions related to withdrawals, including any fees or limitations imposed by the casino. Some platforms may have minimum withdrawal amounts or impose charges for instant withdrawals, so it’s essential to be aware of these factors.
Customer Support: Opt for instant pay casino sites that offer responsive and reliable customer support. In case of any issues or questions regarding withdrawals, having access to efficient customer service can make a significant difference in resolving concerns promptly.
How to Deposit and Withdraw at Online Casinos
The process of depositing and withdrawing at Online Casinos may vary slightly depending on the specific casino and the payment methods available. However, we can provide you with a general overview of how these processes typically work. Here’s a step-by-step guide:
Depositing at an Online Casino:
Create an account: Sign up and create an account at your chosen online casino. You’ll typically need to provide some personal information and create login credentials.
Access the cashier/banking section: Once you’re logged in, find the cashier or banking section of the casino website. It’s usually located in a prominent place, such as the main menu.
Choose a deposit method: Select a deposit method that suits your preferences. Online casinos offer various options, including credit/debit cards, e-wallets (such as PayPal, Skrill, or Neteller), bank transfers, and prepaid cards. Make sure to check the available methods and any associated fees or limits.
Enter deposit amount: Specify the amount you wish to deposit into your casino account. Take note of any minimum or maximum limits imposed by the casino or payment provider.
Provide payment details: Depending on the chosen method, you’ll need to enter the required payment details. This may include credit card information, e-wallet account details, or bank account information. Follow the instructions provided by the casino and ensure the information is accurate.
Confirm and process the deposit: Review the transaction details and confirm the deposit. The casino will usually process the transaction instantly, and the deposited funds should be available in your account shortly.
Withdrawing from an Online Casino:
Go to the cashier/banking section: Access the cashier or banking section of the online casino, similar to the deposit process.
Select the withdrawal option: Look for the withdrawal or cash-out option. Online casinos typically have specific rules and requirements for withdrawals, so familiarize yourself with their policies. Pay attention to minimum withdrawal amounts and any potential fees.
Choose a withdrawal method: Select a withdrawal method that suits your needs. Often, casinos prefer to process withdrawals using the same method used for deposits. However, this may vary, so check the available options.
Enter withdrawal amount: Specify the amount you want to withdraw from your casino account, ensuring it is within the allowed limits.
Provide any necessary details: Depending on the chosen withdrawal method, you may need to provide additional information, such as your bank account details or e-wallet account information. Follow the instructions provided by the casino and ensure accuracy.
Confirm and process the withdrawal: Review the withdrawal details and confirm the transaction. Online casinos typically have a processing period during which they verify the withdrawal request. This timeframe can vary depending on the casino and payment method chosen. Once the withdrawal is approved, the funds will be transferred to your selected account.
Remember to review the terms and conditions, as well as any specific policies regarding deposits and withdrawals, for each online casino you use. Additionally, if you encounter any issues or have questions, it’s best to contact the casino’s customer support for assistance.
European Casino Sites have emerged as a game-changer in the online gambling industry, offering players fast, secure, and convenient withdrawal options. With their emphasis on swift payouts, these platforms enhance player satisfaction, trust, and overall gaming experience.
When choosing an instant pay casino, it is crucial to consider factors such as supported payment methods, licensing, terms and conditions, and customer support. By selecting a reputable platform that meets your preferences, you can enjoy seamless and rewarding online gambling, where your winnings are just a few clicks away.
Easy to use;
Can be funded via different options;
100% safe and sound;
Apps enable quick on-the-go payments.
Not all players are comfortable keeping their money online;
Some e-wallets incur fees.
Yes, you can. Visa and Mastercard are two top options to use at European Casino Sites. However, e-wallets are much more flexible, can be funded via said debit/credit cards, and are not related to banks like plastic.
Yes, you can. Online banking is fast for deposits and as safe as it gets. However, withdrawals are noticeably slower, which is a major negative point when compared to e-wallets.
There are dozens of options to choose from, but Neteller,Skrill, and PayPal seem to be the most popular. Availability varies per country, so you should check which e-wallets are available at yours.
Yes, they are. Most will need you to create an account, after which you can freely fund them with credit cards, other e-wallets, and online banking solutions too.
The best European Casino Sites won’t charge a cent on transactions. As for e-wallets, some may charge a small amount, but you have the freedom to pick ones that don’t.
Yes, you can. That’s why they’re so popular – they work both ways. Withdrawals are faster than, say, online banking, making them a perfect choice for most players.
Not all e-wallets will be eligible for bonuses. Neteller and Skrill are often on the excluded list of options, which means you can’t claim some casino bonuses by making a deposit with these e-wallets.
The top casinos will approve withdrawals in 0-24 hours. But, on average, you’ll have to wait for a few days to get your money.


This comprehensively updated edition is an invaluable reference guide to creating coherent tax-efficient personal financial plans in the UK. Offering unrivaled personal financial expertise and know-how, this well-respected annual is an essential source of reference and advice to both professional advisers and individuals keen to exercise greater control over their financial affairs. The book is quick and easy to use. Complex UK tax rules and regulations are clearly explained, ensuring the reader can confidently create a tax-efficient financial plan no matter how experienced they are on this subject. Each section has a contents list for easy reference, a detailed introduction, and clearly presented 'boxed' tables for each product, enabling quick identification of the answers to financial planning queries. Whether dealing with investments, pensions, life assurance, mortgages, income tax, capital gains tax, inheritance tax, or family finances, this book will be the definitive guide to all aspects of UK financial planning.


Farming and ranching is a way of life. Farm management is a business.
The Farm Management Education Program is a Career and Technical Education (CTE) program which provides a practical study of the farming business for families currently engaged in managing their farms or ranches. This course provides training in computerized record keeping programs which will in return help the farm family organize an accurate record keeping system. Enrollees will learn to analyze their records and determine the financial strengths and weaknesses of their farm business as well as each of their farm enterprises. Content deals with the farmer’s own financial information, which remains confidential. Farmers and ranchers will learn how to prepare financial statements and use them in day-to-day management. All analyses and income statements will be completed on an accrual basis.
You may enroll in this program at any time. You’ll work one-on-one with your instructor for a personalized learning experience tailored to your farm or ranch.
Our mission: To provide lifelong learning opportunities in economic and financial management for families and individuals involved in the farming and ranching business.
Benefits of the program
- Set up and maintain an accurate farm record-keeping system
- Prepare a balance sheet and cash flow projections
- Prepare financial statements for use with lenders and tax preparers
- A long-term computerized record of the performance of the all the aspects of your farm or ranch: types of crops, yields, livestock, sales, profits/losses, expenses, etc.
- Ability to compare year-to-year performance
- Ability to compare your performance to other farms using regional data
- Understanding the strengths and weaknesses of your farming operation
- Ability to adjust your farm’s business strategy based on solid data
Farmers and ranchers need to make a lot of decisions about crops, livestock, budgets, and expenditures. The Farm Management Education Program teaches you how to gather data and develop the skills you need to make those decisions with confidence. Don’t just farm your farm. Manage it to maximize profitability and make the most of your farm’s potential.
A student must be actively engaged in farming or a beginning farmer to enroll. All types of farms are eligible. Students may enroll in up to two semesters per year. The course is repeatable. Throughout the course, students will be using their own farm’s financial information, which will remain confidential. The information will be used anonymously in local, regional and state databases.
Frequently Asked Questions
How do I enroll?
Enrollment in the program involves registering for a class with a one-on-one instructor at Dakota College at Bottineau. Contact an instructor from your area and they will guide you through the process of filling out a few simple forms.
What will it cost me to enroll?
The tuition is currently $374.08/semester or a total of $748.16 per year.
I don’t want my financial information made public. Should I be concerned?
There is no need for concern in sharing information. All information and data collected is completely confidential. We will establish a relationship with your lender so information can be shared. Your analysis will be submitted for the purpose of publishing state and regional averages but will only be used as part of a group average.
Is there assistance available for paying tuition?
We have a limited number of grants/scholarships that are distributed where there is a genuine need.
Isn’t the farm management program for beginning farmers/ranchers and those with financial difficulties?
Our program has great value to all ages and situations. We have students from ages 18 to 70 and from 1st year farms to well-established operations. It is all about understanding your farm’s financial situation and performance and to help you make better decisions.
Are group classes held?
Regular group classes are not held but there may be special group presentations from time to time which are optional to attend.
What is the time commitment that is required of me?
The time you put into the program will determine how much you get out of it. At a minimum you will be expected to keep a complete set of financial and production records suitable to complete a whole farm analysis. Three to five visits a year are typical but new students may meet monthly. Long-term students may meet less often. Each student’s needs are different.
Do I need to be proficient with computers?
You do not need to be proficient with a computer to take the course. Although learning to use a computerized accounting program is the most common task for first-year students and will ultimately prove to be a time saver it is not a requirement. Our instructors can guide you through the process of learning a new computer program. We have many valuable and time-saving tools and spreadsheets that farmers come to rely on so we do encourage learning how to use them.
I already use a computerized accounting program. Will I have to switch?
You will not need to switch accounting systems. Although each instructor has their preferred accounting program it is your choice. We will make recommendations if you are choosing a program or looking to switch. We can do a better job of answering questions and solving problems if we are familiar with the program. The only requirement is that you have accurate, reliable numbers to work with at the end of the year.
Here’s what farmers are saying about the benefits of this program
“I appreciate the Farm Management Education Program. I like looking at how my numbers are trending from previous years. The program gives me the opportunity to go over my year end numbers on an accrual basis and to see how my numbers stack up to other farmers in the area.”
Bryan A., Bowbells, ND
“I am a beginning farmer/rancher that got involved with the Farm Management Education Program after receiving an FSA loan. This program has been so beneficial to me, I am able to provide my bank and other financial institutions with documentation of whatever means of my operation they need whether it’s financially, herd amounts, or previous years history. Lynsey is great at her job and goes up and beyond the call of duty to help make things easier for us whether it’s planning to buy land, creating cash flows for the bank, or figuring out any problems you may have with easy farm – she guides you through every step. I have benefited in many ways and I know that I would not have the records I have for my business without this class.”
Costas K., Plaza, ND
“Our family has been in the Farm Management Education Program in Bottineau since the first year it started, and it has always been an important part of our farm. From budgeting to the year-end analysis they have been an invaluable partner to the success of our farming operation. They are also a valuable resource for benchmark analysis so we can compare our financials to other farmers in our area to see what we are doing well and where improvements can be made.”
Ben T., Bottineau, ND
“The Farm Management Education Program shares its benefits not only with the producer but with their Ag lender. I myself can attest to how much quicker and easier my job is made when I have customers that work with this program. The packet that is derived allows me to accurately and efficiently originate my presentation to my lending committee in a timely matter. This in turn allows me to get an answer to the customer sooner and gives them peace of mind that they know that everything they give to the lender is correct. By knowing that my customer has a better grasp on their financial scope, I gain a peace of mind that they fully understand their situation from both my eyes and theirs.”
Jacob Fannik, Ag Lending Officer, First Western Bank & Trust, Minot
For more information contact


If you are in need of a personal home and auto insurance quote, please follow the links below to get started! After you complete the form, your information will be sent securely to our quoting department for processing.
• For a homeowners insurance quote, please click here.
• For an automotive insurance quote, please click here.
After the quote is processed, a MacQueen Insurance Group representative will reach out and review the coverage with you.
If you are in need of an individual dental quote, please click here.
To request more information about the special mortgage program, please click here.


Here at Moon-Shina Insurance Solutions, we work with each of our clients to look at all available Medicare plan options that best suit their individual requirements. Choosing a Medicare Plan is one of the more important decisions that you will make in your lifetime. For all of our Medicare eligible clients, we meet with you one on one. Our consultative services are at no cost to you. We are paid directly by the insurance companies when you enroll in their plan.
Please call us at: 336-904-2910 to get your Medicare consultation started or fill out the form below and one of our representatives will contact you.


Payment methods We offer the following payment methods. Simply choose the payment method that best suits you:
PayPalWith PayPal you can pay easily, quickly and securely at tellows.de. Easy: Pay with only 2 clicks, without entering bank or credit card data. Fast: tellows.de receives the payment confirmation from PayPal usually within a few seconds. Secure: Your bank and credit card details will not be disclosed to third parties.
To pay via PayPal at tellows.de, simply select PayPal as the payment method in our order process. Afterwards, log in to your personal PayPal account with your e-mail address and your PayPal password and confirm the payment amount. tellows.de usually receives the payment confirmation from PayPal immediately and your order can be processed immediately.
Please note: After receiving the PayPal payment confirmation tellows.de can also ship your order! Depending on the method of payment in your personal PayPal account, it may take a few working days until PayPal confirms receipt of payment. If PayPal cannot confirm receipt of payment after 9 days, the customer order will be automatically cancelled by PayPal.
By the way, paying with PayPal is always free of charge for you!
Still no personal PayPal account available? Then register your bank account on www.paypal.de within a few clicks. The registration at PayPal takes only a few seconds, because you only have to enter your e-mail address, your address and your bank account details. From now on you can shop on the Internet safely and free of charge without giving your bank details to third parties.
Prepayment / Bank transfer
Please transfer the total amount of your order to our account:
Bank InformationAccount owner: tellows UG
Bank number: 86040000
Bank name: Commerzbank Leipzig


247, LLC has open a new Laundromat at 2505 Highway 367 North in Newport. They applied for and received a ReNewport Grant from the Newport Economic Development Commission (NEDC). ReNewport Grants were developed by the NEDC to improve the overall appearance of the community by assisting businesses in making exterior renovations to their facilities, thus making Newport more attractive to residents, visitors and new businesses considering Newport as a place to locate. The grants are a 50/50 matching grant with a cap of $2,500 in grant funding. The grants can be used for painting, landscaping, signage and other approved exterior improvements. The NEDC sets aside $35,000 of it’s budget each year for the popular program and local businesses are invited to obtain an application through the NEDC office. Grants will be awarded as they are submitted until the funds for the year have been spent. The Newport Economic Development Commission congratulates 247, LLC on their grant and on the improvements that they have made to their facility.


Important for all SSC, RRB, RRC, PSU, Banks, UGC NET, MBA, State government exams, AFCAT, NIFT, CLAT, etc.
Objectives of the Union Government Schemes in India
There are several different schemes launched by the different Ministries of the Union Government. Each scheme has its own set of objectives. But the main objective of these schemes is to provide social, financial and economic welfare to the citizens of India. The general objectives of the social-economic and financial schemes are –
- Provide social security measures such as pensions, insurance, maternity benefits, housing etc.
- To improve the quality of the life of the people.
- Upliftment of the poor.
- Development of rural and backward areas.
- Reducing the economic inequality between different sections of society.
- Empower women for their better participation in society.
- To provide employment opportunities.
- To provide education and training to the weaker sections of the society.
- To provide financial security to the vulnerable sections of society.
- To provide financial assistance to women, small businesses and weaker sections of society.
List of Union Government Schemes for Individuals and Businesses
There are different schemes launched by the Union Government of India. Some schemes aim at providing socioeconomic benefits to the individuals. Some schemes aim at providing financial assistance to the businesses. The list of prominent schemes launched by the Union Government is as follows –
- Atal Pension Yojana
- Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)
- Ayushman Bharat Yojana
- Grameen Kaushalya Yojana or DDU-GKY
- Pradhan Mantri Gramin Awaas Yojana
- Pradhan Mantri Matritva Vandana Yojana
- Deen Dayal Upadhyaya Antyodaya Yojana
- Pradhan Mantri Adarsh Gram Yojana
- Pradhan Mantri Kaushal Vikas Yojna
- Pradhan Mantri Suraksha Bima Yojana
- Pradhan Mantri Jeevan Jyoti Bima Yojana
- Pradhan Mantri Jan Dhan Yojana
- Rashtriya Krishi Vikas Yojana
- Pradhan Mantri Awas Yojana
- Antyodaya Anna Yojana
- Pradhan Mantri Ujjwala Yojana
- Swamitva Yojana
- ASPIRE Scheme
- Atal Innovation Mission
- Credit Guarantee Scheme for Startups (CGSS)
- Midday Meal Scheme
- Multiplier Grants Scheme
- Skill India Mission
- Startup India
Benefits of Union Government Schemes for Individuals
There are many schemes launched by different Ministries of the Union Government for the benefit of the citizens of India. The schemes for individuals mainly focus on the vulnerable sections of the society such as rural and urban poor households, women, SC and ST, senior citizens, domestic workers etc. Each scheme concentrates on providing different socio-economic or financial welfare to the people.
The government schemes are beneficial to individuals for obtaining training and employment opportunities. Some schemes help in availing loans at a minimum rate of interest, opening a bank account for individuals, availing financial assistance to meet expenses of an individual, obtaining insurance and enrolling for pension by paying a minimum amount.
Some of the schemes concentrate on development and empowerment of woman. It provides financial assistance to the woman for starting their own business. There are schemes which provide basic education to the woman, maternity benefits and rehabilitation facilities.
Some schemes for the individuals concentrate on providing basic necessities to the individuals such as LED lights, drinking water, distribution of food grains, housing, clean environment etc.
Benefits of Union Government Schemes for Businesses
The Union Government has launched many schemes specifically to help the businesses in India. These schemes allow for ease of business and in turn, strengthen the economy. The schemes launched for businesses helps them by providing financial assistance and technical assistance for their growth.
Many schemes for businesses provide benefits for obtaining loans at subsidised rates, obtaining credit guarantee on loans, subsidy for technological upgradation, support through venture capital etc.
Many recent schemes promote starting own businesses on a small scale basis by providing entrepreneurial and training facilities, building manufacturing infrastructure, incentives for women and economically backward sections to start their own business, a digital platform for accessing global markets and digital documentation etc.
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Money tips for travellers to the Canary Islands
Together with the rest of Spain and continental Europe, the Canaries successfully converted from the Spanish Peseta to the Euro (€) on 1st January 2002. €1 was equivalent to about 166 Pesetas.
The new currency has been good news for travellers, especially those in the Euro Zone. British holidaymakers also find it an easier currency to convert and use.
The Canary Islands are part of Spain and the European Union but outside for the purposes of taxation. This means no VAT (or IVA) is charged on goods in the Canaries and you will find that alcohol, cigarettes and fuel are noticeably cheaper.
Remember that, unlike mainland Europe, there are limits on the duty-free goods you can return to UK.
General advice for UK holidaymakers
It's easy to lose your head when using an unfamiliar currency. Stay savvy by remembering the following:
- NEVER hand over cash without fully understanding the price. Most shops have cash machines with an electronic display. ALWAYS check your change.
- It is far cheaper to buy sun lotion, alcohol, cigarettes and food in local shops and supermarkets. Avoid high prices in tourist centres and the airport.
- Visa and Mastercard are widely accepted in shops, restaurants and cash machines. Shops will ask for identification with card purchases - keep your passport handy!
- For your personal safety, never carry more cash than you really need.
- Avoid cheap electronics - it is NOT cheaper to buy these locally, especially in tacky tourist shops (that have been the source of many scams).
- The Spanish use decimal points and commas in the opposite way to the UK format. Points denote thousands, commas denote a decimal point e.g. £9,999.99 would be written 9.999,00€
Tips and Gratuities
Although the locals rarely tip, it is still accepted courtesy to tip for good service. In restaurants, 10% is considered normal where service is not included. In cafés and bars, leave a little small change. For porters, chambermaids and tour guides, €1 - €2 is common. 10% is also normal in taxis.
Remember that tipping is optional; if service is poor, don't be afraid to make your feelings known by leaving nothing.


One local bank considers
banking a family matter.
We Consider Your Business Ours
First National Bank of Michigan offers the full complement of retail banking services, home mortgages and personal loans, with a special emphasis on commercial banking. We consider your business ours because commercial banking has been our top priority since opening our doors in 2006. No matter your challenges or concerns, we will always make the time to understand them, guiding you through the borrowing process and beyond. Why? Because West Michigan is our home, and we want to see your business grow for your success and the continued success of West Michigan in the years ahead.
Your Community is Our Community
First National Bank of Michigan is a community bank. That means instead of relying on an affiliation with a multi-bank holding company, we derive our funds from and lend to the community where we operate--West Michigan. Here you’ll find our branches, our offices and our people. Because we are local and locally owned, decisions are also made by professionals you can talk to face-to-face. First National Bank of Michigan’s commitment to delivering unmatched customer service, combined with our longstanding investment in the community, is why you’ll always receive the personalized attention you deserve when you bank with us.
Whether you’re someone who prefers taking advantage of the latest technology or you’re committed to traditional, face-to-face banking, First National Bank of Michigan is here to help you (and your business) thrive. We offer a complete line of commercial treasury management services, along with our rising rate certificates of deposit which allow you to watch your money grow without the worry of long-term commitment. For our on-the-go customers, First National Bank of Michigan also has online and mobile banking services.
A Decade of Caring for Your Community
The year 2016 marks our 10-year anniversary serving West Michigan, and we want to celebrate with you and the community. To honor our anniversary and continue giving back to the place we call home, our employees selected 10 local non-profits to support throughout 2016 in Kalamazoo, Portage and Grand Rapids.
The First National Bank of Michigan mobile banking app enables you to bank from the comfort of your home or on the go. With your smartphone or tablet, you can check balances, make deposits and transfers, pay bills and more. Our business customers can also take advantage of sending ACHs while away from the office.
E-Statements: Secure, Timely and Eco-Friendly!
It's easy to enroll and only takes a couple of minutes!
Get to Know Your BankView All Staff
Senior Executive and Board ChairmanPhone: 269.488.8853 Email John M.
Chief Executive OfficerPhone: 269.488.8854 Email Larry
PresidentPhone: 269.488.8884 Phone: 616.242.8349 Email Daniel
Market President, Grand Rapids and Senior LenderPhone: 616.242.8374 Email Jefra
News and Events
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- News News, Fri, May 27, 2016 - Sat, Dec 31, 2016
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The debate between Ryanair and the Travel agencies is not simply a mean to achieve media coverage, but a ferocious fight to preserve the feasibility of a business model, which requires selling directly to the public.
From August 25, Ryanair will only accept bookings made directly via their own website, rejecting all the reservations made by travel agencies.
Legal considerations aside, this decision, aired by the airline with its usual rude verbosity (it described travel agencies as “sector parasites” and “dead wood”) has triggered considerable debate involving consumer associations and Public Administration, even though the latter do not seem to be in a hurry to take a stand.
Travel agencies say that many customers do not feel comfortable shopping online, and thus are happy to pay for the services provided by the agencies.
What’s this not about?
This is not a debate among online companies, since half of the sales made by accessing Ryanair’s website are made by travel agencies that also use other trading channels.
It is also nothing new that a third party without prior agreement sells one company’s products, such as, for example, Hacendado tissues at petrol stations..
Then, travel agencies do not demand any margin or commission fee (which they did with Iberia and Spanair), as they find it completely normal to charge a fee for their services.
And some may even think that this is all too much hassle about nothing, as sales made by travel agencies do not even reach 1% of Ryanair’s overall turnover.
So, what’s all the fuss about then?
This is basically guerrilla warfare between companies based on virtually identical business models, based on three key issues:
First, they all sell comprehensive travel solutions including flight, accommodation, car rental, insurance products, etc.
Second, they all follow Lebowitz’ theory (the benefits of online presence): the more customers a company has, the more benefits each customer can enjoy —this is what Movistar states. The company that attracts many customers (for example, offering cheap flights) can redirect their customers to other companies that are willing to pay commission fees or bonuses for induced sales. Thus, all extra income is essential for the financial feasibility of any such company. And what travel agencies are precisely doing is to jeopardize Ryanair’s said key extra income!
And thirdly, they need to sell directly to the public. That is, by selling tickets via travel agencies, Ryanair loses customer knowledge and decreases their “sell-ability”.
However, the airline is at a disadvantage: their website does not sell competitors’ flights. Therefore, the options they offer are limited, even if they include hotels, insurance products, etc.
This business models requires large volumes and thirsts to become the leading reference. This is precisely what is at stake here.
19 August 2008


The Truth About Buying a Business With Bad Credit
Buying a business can be an exciting prospect. Someone else has already laid the groundwork, with a built-in and proven operation, including products and/or services, customers and established cash flow. It offers many benefits and opportunities.
Buying a business can also be risky – especially if you don’t look closely at what you’re actually buying. In other words, without careful and thorough due diligence, you could run into some serious problems. Levi King, co-founder of Nav, learned this lesson as a young entrepreneur who owned a commercial sign repair company in Idaho.
Less than a year after starting his business, King was doing so well that he decided to expand his services to include manufacturing. Then, a competing sign company listed for sale caught his attention. Not only did it have the assets he needed, it had been in business for 52 years. With its longevity and solid reputation, it seemed like a sure bet. He promptly bought the company’s equipment (not the entity itself) and began operating out of its location.
Shortly thereafter, King’s sign company was offered an opportunity to bid on a big job by a car dealership. It was a golden opportunity. He’d worked with them before on repair projects, but this was a $200,000 contract to build brand-new signs. Confident that his competitive price gave him an advantage, King submitted his bid.
His bid was turned down and the car dealership went with a large national business instead. Disappointed, King asked his contact at the dealership why they turned down his bid. What he learned shocked him. Apparently, the company that won the job included a copy of King’s business credit report along with their bid — which revealed negative information about his company.
King learned that somehow credit information from the company he recently purchased equipment from had gotten mixed in with his own business credit profile. The company that was awarded the job used this information against him, convincing the car dealership that King was an inexperienced kid with a shoddy credit record.
As you can imagine, King saw this as a huge wakeup call about the crucial role that credit plays in growing a successful business, as well as the need to stay vigilant for errors creeping into credit reports. He disputed the mistakes with Dun & Bradstreet and eventually separated his business’s credit from that of the business he’d purchased equipment from. Yet, it didn’t ease the pain from losing the lucrative contract.
What are business credit reports and who compiles them?
Your personal credit score tells potential lenders what kind of risk to expect if they extend you credit or financing. Low scores mean you’re high risk; higher scores mean there’s a reasonable chance that you’ll repay them promptly and in full.
A business credit score works in a similar way. A business with a record of paying its bills on time is a likelier candidate for financing, trade credit, and, in some cases, large contracts than a business that’s struggled to keep its head above water.
Business credit reports are compiled by each of the three major business credit reporting agencies: Dun & Bradstreet, Equifax, and Experian. (Other business credit reporting agencies exist, but it makes sense to focus first on the main players.)
These reporting agencies each have their own unique ways of collecting and reporting payment information. They all collect information from a variety of sources, such as banks, business credit card issuers, vendors, etc., though the exact companies they work with will often vary. As a result, business credit reports may vary widely from one credit bureau to another.
How to Check a Business’s Credit Score
When you buy a business, you commit to taking on its assets and liabilities, including problems you might not be aware of, such as unpaid bills that are being reported to the business credit reporting agencies. For this reason, you’ll want to take a close look at a business’s credit report before committing to purchasing it.
One option is to go directly to the credit reporting agencies. For example:
- Experian’s Business Credit Advantage offers instant access to Experian business credit reports and scores, and you can check up to 30 business’s credit scores per month with a paid Business CreditScore Pro plan.
- You can purchase reports from Dun & Bradstreet via their Credit Evaluator Plus service.
- You can check a company’s Equifax report for by purchasing one or more reports through Equifax.
Another option is a paid account with Nav, through which you can get detailed reports on your own business and check the business credit of up to five other businesses. You’ll get monthly updates to commercial reports from Equifax, Experian and Dun & Bradstreet.
It’s important that you check multiple bureaus, because their data may be different. Acquiring a bird’s eye view of a company’s credit history will give you confidence moving forward with your purchase.
Furthermore, once you’ve acquired another business or its assets, you’ll want to check credit on a regular basis. As King experienced, the credit of the business you acquire may become part of your own business credit report. Or, the credit files of unrelated businesses can get mixed up. Other mistakes— even fraud— can occur.
Just as you work hard to build, maintain and monitor your business reputation, you want to build, maintain and monitor your business credit reputation as well.


The objective we set ourselves when Sycomore Eco Solutions was launched in 2015 was to combine sustainable financial performance and positive environmental impact – a fund managed with conviction and with no concessions made, either in terms of impact or returns. As the first fund to receive the government’s Transition Energétique et Ecologique pour le Climat label, Sycomore Eco Solutions rose to the challenge and now offers both impact and performance.
A KEY CHALLENGE FOR THE 21ST CENTURY
The facts are simple: our human societies and companies cannot live “off-ground”, without a stable environment that provides natural - or ecosystem-based services to quote the specialists: healthy air, access to water, a stable climate, fertile soils, renewed natural resources…
According to the WHO, 23% of global mortality is related to environmental degradation. This represents 12.6 million people every year.
And yet, since the end of the 20th century, human civilisation has exceeded the physical limits that the biosphere is able to absorb: every year, we consume more natural capital than the planet can regenerate, as the work carried out by WWF and the Global Footprint Network demonstrates.
THE ENERGY AND ENVIRONMENTAL TRANSITION HAS BEGUN
But there is also some good news to report. The first is that the environmental transition is on the move: consumers did not wait for the Grenelle Environmental Summit to request healthier and more eco-friendly foods; car manufacturers did not sit waiting for the carbon tax to sell hybrid or electric cars; and energy players had started developing renewable energy production capacity throughout the world long before COP 21…to the extent that since 2015, these newly installed capacities are exceeding those produced by fossil and nuclear power plants.
''Additional renewable energy capacity installed globally, in GW and in percentage.
Source: AIE, Perspectives 2016''
The second encouraging piece of news is that the companies implementing and contributing to the growth of these solutions exist in great number throughout the world, and particularly in Europe. Many are listed on the stock market, of differing market capitalisation sizes. Finally, while some industries have a much larger impact – such as transport, energy, agri-food or construction – unlike media or healthcare for example, no sector is immune from the energy and environmental transition.
AND IT IS OPEN TO ALL FOR INVESTMENT
The Sycomore Eco Solutions fund was created to allow all money savers (PEA eligible fund) and investors to gain exposure to the companies behind these solutions. The third positive piece of news is that the power to act for our future needn’t rely simply on consumers buying differently, on companies reviewing their strategy, on governments shifting their regulatory frameworks in favour of natural capital, or on local communities supporting green innovations: finance, used with a sense of purpose, can also constitute an eco-solution.
To guarantee that the fund confines its investments to the field of eco-solutions, Sycomore AM has built a specific research methodology which measures the extent to which companies’ activities are aligned with the Energy and Environmental Transition: the intensity of their Contribution to the Energy and Environmental Transition (CEET), expressed as a percentage of turnover.
Companies offering a fully aligned response to the issues of environmental transition and the fight against climate change will see their ‘green intensity’ indicator move closer towards 100%: organic foods, plant-based products, renewable energy management, building insulation, public transport, cycling and recycling. If a business displays a neutral net environmental impact, i.e. similar to the average solutions available on the market, its CEET will be 0%. Finally, if a company destroys natural capital, for instance a coal fuelled electric power plant or a company specialised in pesticides, the more it destroys, the closer it will get to -100%.
This indicator measures the net environmental impact of a company expressed as a percentage of its turnover. It ranges from -100% for a business that has a particularly destructive impact on natural capital, to +100% for a company that generates maximal positive impacts and clearly address environmental and climate-related issues.
Only the companies with satisfactory ratings in terms of extra-financial performance – Environment, Social, Governance (ESG) – and displaying a CEET above 10% are eligible for inclusion in the portfolio of Sycomore Eco Solutions.
Since inception, the fund has posted an average CEET of around 50% (1) and an average ESG rating of 3.4 (1) out of 5. Within this universe, the portfolio managers focus on approximately 50 companies they believe offer the most attractive upside potential. Finally, they map out impacts against five complementary areas relating to the transition: energy, mobility, construction, ecosystems and the circular economy.
PLAYERS SPECIALISED IN DYNAMIC MARKETS AND ALIGNED WITH CURRENT AND FUTURE TRENDS
The search for businesses aligned with the environmental transition and the rejection of companies that are indifferent or hostile to this trend has two consequences. On the one hand, it steers the portfolio away from companies that are going “against the flow” and facing the headwinds caused by the transition - businesses that are more likely to be involved in controversies, boycotts or environmental scandals and which are ultimately heading towards the cemetery of obsolescence. On the other hand, it focuses on players active in dynamic markets and poised to gain from being aligned with current and future trends - regulatory and fiscal, but also societal and civic. These companies are supported by tailwinds and their positive missions, inspiring and purposeful, sustain the energy of their employees. Ultimately, this means more opportunities and an improved ability to seize them, as demonstrated by the stock market performances of organic food company Wessanen, of Sif Holding NV, which manufactures monopiles for off-shore wind farms, Leinzig, the wood fibre textile manufacturer TencelTM, recycling company Umicore or Plastic Omnium, the automotive components company.
1 in 4 portfolio companies has already been involved in major corporate action - large-scale acquisition, IPO, capital increase or public takeover bid.
AN INNOVATIVE STRATEGY DELIVERING TANGIBLE RESULTS
The fund’s investment universe principally includes European stocks (all market capitalisations) with a potential diversification outside of Europe. No sector is excluded a priori; however, in practice, the strategy is heavily exposed to industries that have a strong focus on eco-solutions, notably industry, consumer goods and utilities.
With over 20 months track record, the fund has delivered on its promise: Sycomore Eco Solutions combines financial performance and positive environmental impact. At the end of April 2017, the fund posted a gain of +23.7% (2) since inception, while its benchmark, the MSCI Europe NR (3) was up +11.4%. On a year-to-date basis, the fund is up +13.5% (2) versus +7.7% for the MSCI Europe NR (3).
(1) Data as of 28/04/2017. Average CEET of the Sycomore Eco Solutions portfolio: 47%.
(2) I share. Data as of 28/04/2017. Inception: 31/08/2015.
(3) NR: Dividends reinvested.
Fund’s risk/return profile
Past performances are not a guarantee of future performances. he value of investments can fall as well as rise. There is no guarantee that these investment strategies will work under all market conditions or are suitable for all investors, and investors could bear capital losses. The performance of the fund can be explained partially by ESG indicators of the companies appearing in the portfolio, but these last ones are not the only factors determining the evolution of this performance. This communication has not been prepared in accordance with regulations to promote the independence of financial analysis. SYCOMORE Asset Management or management companies involved with the preparation of this document are not subject to the ban on conducting transactions on the instruments mentioned by the publication of this communication. Prior to investing, please read carefully the key investor information document available on our website : www.sycomore-am.com.


If you want a dental implant, you have to pay prices in the upper range – so the common opinion. But do implants really have to be so much more expensive than other dentures, or even unaffordable? Or is it also worth comparing prices for dental implants?
In this article we will show you what dental implants cost, how there are differences and how you can find the cheapest provider with dolvi.
What do dental implants cost?
Even if you would certainly like to hear a specific number here: It is not possible to put a flat figure on the costs for a dental implant. Because the price of a dental implant depends on many different factors.
You have not yet received a treatment and cost plan from the dentist, but would like to be able to estimate the costs in advance? Then please use our cost calculator. In just a few steps, he will lead you to a well-founded initial assessment.
Dental implants: What costs does health insurance cover?
The health insurance only pays the usual fixed subsidy, even for implants. This is based on the standard care for the corresponding medical indication. If there are only a few missing teeth, this is usually a bridge, and if there are many missing teeth, a form of prosthesis.
Private health insurers and supplementary dental insurance often pay more, but it depends on the exact tariff. If in doubt, ask your insurer.
Dental implants: high costs in any case?
There is a stubborn assumption that implants are much more expensive compared to the alternatives and are therefore reserved for people with a high budget. However, the costs can vary greatly. Therefore, do not immediately rule out dental implants without comparing prices.
How do different prices arise for dental implants?
Various factors are responsible for the price differences in dental implants. Some of them you have control over, others less so.
We will show you which factors you can pay attention to if you want to avoid unnecessary costs for dental implants. Because these have a significant influence on the price of your dental implant.
In fact, the region you live in makes a difference – even within Germany. In general, the costs for dentures in eastern Germany are lower than in western Germany, and higher in large cities than in rural areas. There is also a clear price difference from south to north.
However, the prices in your region are not set in stone. Because even within a region there can be enormous price differences.
Material and type of implant
Implants are usually made of very high-quality materials. After all, the implant should grow into your jaw during the placement process and ideally remain there until the end of your life.
The standard material is titanium for all non-visible parts and ceramic for all visible parts. However, an implant can also consist of zirconium and is then significantly more expensive.
The structure of the implant also makes a difference. Different types have different costs.
The jaw region in which the implants are located also shows an effect in the price comparison. Incisor implants and implants in the upper jaw are more expensive than those in the molar area and in the lower jaw.
Size of the gap
Sometimes we need more than a single dental implant. This is particularly evident in the price comparison. Because if several teeth are missing, more than one implant is usually necessary.
There are different types of construction:
- replacing each missing tooth with an implant,
- Placing implants at the end of rows of teeth and hanging a bridge on them,
- Placement of implants as pillars for a Locator prosthesis in the case of complete edentulism.
Therefore, the larger the gap and the more individual implants it has to be filled with, the higher the costs for the restoration.
Especially if a tooth gap has existed for a long time, as well as with age, the bone in the jaw has often already receded. Then it has to be thickened again to provide the implant with support. One speaks here of a bone structure.
Bone augmentation has a significant impact on the price of dental implants because it involves another surgical procedure.
Price calculation of the practice
Ultimately, the practice’s pricing also has an impact on the costs for new implants. While some practices are committed to fair and transparent pricing, other practices try to earn as much money as possible from self-pay services. This is precisely why it is worth comparing prices for dental implants.
How much do dental implants cost abroad and is it worth it?
Dental implants from Poland, Hungary or Turkey usually seem to be very cheap in comparison. While that may be true, and the offers on the provider’s website often look very good, you should consider that placing an implant is a surgical procedure that requires good communication between doctor and patient and an experienced practitioner.
Any language barriers and the lack of opportunities to check the quality of foreign offers make good treatment difficult here.
In addition, implants cannot be placed in one visit to the dentist. You have to visit the therapist repeatedly over a longer period of time. We therefore advise against having implants placed abroad.
Price comparison of implants: what does Stiftung Warentest say?
Stiftung Warentest sent test patients with dental problems to 15 German dentists. The frightening finding: The treatment suggestions exceeded the appropriate price by up to 90 percent – in some cases almost 10,000 euros too much were asked of the patient.
Stiftung Warentest comments on the quality of the suggestions: „Only two of the treatment plans are reasonably okay, all the others are bad.“ In addition, the proposed treatments would carry „unnecessary risks“. (Source: Stiftung Warentest 10/2015, p. 86-91: „Get up a gear“)
Dental implants: easy price comparison with dolvi
Wouldn’t you like to be one of those patients who dig deep into their pockets or even have to do without implants because of such excessive cost estimates? Then test the dolvi service now. We make comparing the price of your dental implants child’s play!
This is how the price comparison for dental implants works with dolvi
If you would like to compare the price of your new dental implant, simply follow the steps below:
- If you do not yet have a treatment and cost plan for your implant treatment, go to your usual dentist on site and have them make a cost estimate for your treatment.
- Upload the estimate to dolvi for free in just 90 seconds.
- Receive comparative offers from selected dentists after just 48 hours.
- Choose your new dentist and save money.
With dolvi to the new dental implant: What costs can I save?
Of course, we cannot promise you any specific cost savings. How high this is depends on the type of treatment you want and the price calculation of your dentist. On average, however, patients save 44 percent of the treatment costs on dolvi.
Thanks to dolvi, your treatment is not only cheap. Because we subject all participating dental practices to a precise quality check. With dolvi you always get the best treatment at the best price.
New dental implant: dolvi saves you time and money!
Play it safe now: get a second dental opinion, compare the prices of dental implants and reduce your treatment costs. On dolvi you can upload your treatment plan and cost plan anonymously in just 90 seconds and receive comparison offers from certified dentists. Here you will find the best treatment at a fair price – free of charge, without obligation and completely anonymous.


Personal bankruptcy assists people that can no more pay their debts obtain a clean slate by liquidating properties to pay their financial debts or by producing a settlement strategy. Bankruptcy laws also secure monetarily struggling organisations. This section discusses the bankruptcy process as well as regulations.
Declaring bankruptcy can help a person by discarding financial debt or making a strategy to pay off financial obligations. A bankruptcy instance usually starts when the borrower submits a petition with the insolvency court. A petition might be filed by a private, by spouses together, or by a firm or various other entity.
All insolvency situations are dealt with in government courts under policies described in the U.S. Bankruptcy Code.
There are various kinds of insolvencies, which are usually referred to by their phase in the U.S. Bankruptcy Code.
• Individuals may file Chapter 7 or Chapter 13 insolvency, depending upon the specifics of their circumstance.
• Communities-- cities, communities, towns, exhausting areas, community utilities, and also college areas may file under Chapter 9 to reorganize.
• Services may file insolvency under Chapter 7 to sell off or Chapter 11 to rearrange.
• Phase 12 supplies debt alleviation to family members farmers as well as anglers.
• Personal bankruptcy filings that include celebrations from greater than one nation are submitted under Chapter 15.
• Bankruptcy Basics offers in-depth information concerning filing.
Looking for the recommendations of a certified attorney is highly advised due to the fact that insolvency has lasting economic as well as legal effects. People can submit personal bankruptcy without a legal representative, which is called filing pro se. Find out more.
Utilize the forms that are phoned number in the 100 collection to file personal bankruptcy for people or wedded couples. Use the forms that are phoned number in the 200 collection if you are preparing a personal bankruptcy in support of a nonindividual, such as a firm, collaboration, or limited responsibility business (LLC). Sole owners should utilize the kinds that are phoned number in the 100 series.
Location: Florida Bankruptcy Law Firm | Bankruptcy Service


Each existing GRN coin can be swapped for a new ERC-20 GRN token using the token bridge. The GRN Swap Period started September 26th and runs 13 weeks – until December 26th at midnight GMT.
IMPORTANT: The timing of your swap will affect the number of tokens you receive.
Swap early and sacrifice a percentage of your new tokens to gain immediate access. Wait until the final three weeks, and you’ll swap 1:1 and receive 100% of your tokens.
Once you are ready to swap, just follow these simple steps to swap your existing GRN for new GRN tokens:
Ethereum Wallet Destination: Please secure an Ethereum ERC20 wallet. You are strongly encouraged to hold your new GRN tokens directly in an Ethereum ERC20 wallet — NOT in a wallet address from an exchange account. This will eliminate potential issues during the transfer of your tokens. Popular Ethereum ERC20 wallet choices include: MyEtherWallet, Metamask, Trust Wallet, Atomic Wallet, Mist, Parity, and Exodus.
Start Swap: Once you’re ready to begin the swap process: - Select an exchange where you currently have GRN coins, and click “Continue” - Enter your email address associated with your account at that exchange, and enter “Confirm” - A one-time password will then be sent to your email address, enter this OTP code and click “Continue”
GRN Token Bridge
More information about the swap process:
500 GRN tokens will be the flat fee charged on each swap executed prior to the Final Swap Period. The swap fee during the Final Swap Period will be just 5 GRN tokens. The fees generated will be used solely to pay the gas fees for these swaps to be executed on the Ethereum platform.
Final Swap Period
Final Swap Period will last for 3 weeks and will be a 1:1 swap (100%). Anyone who submits their coins to be swapped during this final period will not receive their new tokens shortly after the swap (as will occur in the previous weeks of the swap), but instead will have to wait until December 30th. All of the 1:1 swap recipients will receive their tokens at the same time on December 30th.
More details are available in the Swap section of the GreenPower White Paper.
Q. Do I have to swap all of my coins at once?
A. No, you can swap separate portions of your coins at different sections of the Token Bridge.
Q. Is there any limit to how many times I can swap?
A. There is no set limit, but keep in mind you will pay the 500 GRN swap fee every time you swap an amount of coins (prior to the Final Swap Period, when the fee will be 5 GRN per swap).