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Financial and Cash Flow Analysis Methods.
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1 Financial and Cash Flow Analysis Methods
2 Financial analysis Historic analysis (BS, ratios, CF analysis, management strategy) Current position (environment, industry, products, management) Future (competitiveness, forecasts, future cash flows)
3 Historic analysis - Financial statements P&L or income statement: Net Operating Profit (NOP, Gross returns - tot operating expenses), Profit before Tax, Net Profit after Tax (NPAT). BS: shows the book value of assets and liabilities of a company at year end. Current assets (convertible into cash within a year), fixed assets (land and buildings, plant and machinery...)
4 Historic analysis - ratios Ratios - backward looking (but can also be forward looking), they vary for different industries: Return on sales % = NPAT / Sales (amounts) Asset turnover = Sales (amounts) / tot Assets Asset/equity ratio = tot Assets / Equity Asset/equity ratio indicates a company's leverage, the amount of debt used to finance the firm. A company's asset/ equity ratio depends on the industry in which it operates, its size, economic conditions and other factors. NB: by multiplying the above 3 ratios we obtain the return on equity %: NPAT / Equity
5 Other important ra-os are: Debt- Service Coverage Ra-o - DSCR: amount of cash flow available to meet annual interest and principal payments on debt: Net opera-ng income/ Total Debt Service A DSCR of less than 1 would mean a nega-ve cash flow. A DSCR of 0.90, means that there is only enough net opera-ng income to cover 90% of annual debt payments Liquidity ra-os: it expresses a company's ability to repay short- term debt obliga-ons
6 Historic analysis - CF analysis Starting cash balance + Cash generated from operations and other sources (i.e.investments) - Cash used to fund operations, investments (passive interest rates), research = Ending cash balance
7 Future Cash Flow Analysis - Appraisal Methods Aim of project appraisal: Select best projects for investment in order to: Provide adequate return to investors Maximise value of business to owners (shareholders) Projects may involve: Large sums of expenditure Benefits accruing over a long period
8 Steps in Project Planning (1) Identification of Opportunities, e.g. design of a new product. (2) Identification of Alternatives, e.g. expansion in Ireland or Scotland. (3) Obtaining data, e.g. costs, revenue, equipment. (4) Evaluation of Options (5) Choice & Planning
9 Appraisal Methods (A) Accounting Rate of Return (B) Payback Method (C) Net Present Value (NPV) (D) Internal Rate of Return (IRR) (E) Profitability Index
10 Versions of ARR Method (1) ARR = average annual profits /average annual investment (2) ARR = total profits / initial investment (3) ARR = average annual profits / initial investment
11 Drawbacks of the ARR Method Ignores timing of costs and revenues during project life. Does not identify payback period. Variety of versions, making comparison difficult.
12 Payback Method Period required to recover initial cash outflow (depreciation not considered). Annual net cash flow needs to be estimated. Aim to select investments that recover expenses in shortest possible time. Discounted payback is a refinement on the simple payback Management may set a payback target, within an overall process
13 Payback, example Payback: This can be illustrated by calculating the cumulative cash flows, as follows: Year C.F. Cumulative C.F 1 10,000 10, ,000 25, ,000 45, ,000 70, , ,000 original cost of investment Project (A) = 4 years & 4 months. As the payback will occur within yr. 4, we need 10,000 30,000 = 0.33 of yr. 4, i.e. 4 months. Hence, the PBP is 4 yrs. and 4 months, on the assumption that cash flow is uniform during the year.
14 Drawbacks of payback method Ignores timing of benefits (unless the discounted model is used) Ignores differences of project life, expenses and revenues after recovery of investment.
15 Discounted Cash Flow Techniques consider timing of revenues and expenses Total profitability of the project is looked at Techniques superior to ARR and Payback Looks at cash flows not accounting profits
16 NPV Method NPV = - Initial Investment + T = endofproj CF t t= 1 (1 + r) t where: CF t : Net Cash flows (positive CF - expenses) at time t T: end of project r: discount rate which needs to take into account the level of risk of project
17 NPV Method Inflows and outflows are discounted using a target rate of return to find the net present value If NPV positive: return in excess of target rate If NPV negative: return less than target rate If NPV is zero: return is equal to target rate
18 Internal Rate of Return Determine discount rate that makes NPV=0 Often referred to as the DCF yield of project If yield is higher than target project is viable and should be undertaken Uses interpolation to find final rate Note: the two rates between which we interpolate must not be distant from each other, a large difference will distort the final result. Also, one of these two rates needs to give a positive NPV, while the other leads to a negative NPV. This might require experimenting with several rates.
19 IRR Interpolation (R 2 - R 1 ) *NPV 1 IRR = R 1 + [ ] where: (NPV 1 - NPV 2 ) R 1 = first estimate of IRR giving NPV 1 R 2 = second estimate of IRR giving NPV 2 if NPV 1 was >0, R 2 should be > R 1, if NPV 1 was <0, R 2 should be < R 1.
20 Profitability Index PV of Future Cash Flows PI = Initial Outlay Index gives PV of net profit per 1 of capital investment.
21 Risk Risk occurs when there are several possible future outcomes, the probabilities of which can be quantified on some reasonable basis. Risk tends to increase as the life of the project increases, due to difficulties in looking into the far future. Techniques have been developed for decision-making in situations of risk
22 Probability and Expected Values It may be possible to make alternative predictions (e.g. sales revenues associated with different states of the economy), and assign degrees of probability to them, scenario analysis. It is possible to calculate the expected NPV and IRR, through multiplying the gain/loss of each alternative by the respective probability, and then adding the products. Both the probability figures and the respective gains and losses are subjective, the resulting IRR is a weighted arithmetic average of all the possible IRRs.
23 Scenario Distribu-ons E(IRR) = (0.1)(0-.05) + (0.2)(0.05)+(0.4)(0.15)+ +(0.2)(0.25) + (0.1)(0.35) E(IRR) = 0.15 or 15%
24 Sensitivity Analysis 1 Sensitivity analysis is a technique for analysing risk associated with investment projects. It looks at the sensitivity of the profitability of the project to changes in key factors, such as discount rates, sales prices, and input prices. Such analysis assists in evolving the best strategy for the project, tackling its nature, size, the surrounding environment and relevant risks. E.g. variables that require a special focus will be clearly identified.
25 Sensitivity Analysis 2 It involves calculating for each factor, the change that will make the NPV = zero. We can also change a variable by set amounts, to see the effect. For example, we can reduce the product price by 5%, so as to compute the resulting NPV for three other possible (lower) prices. E.g. if the original estimated price was 1 per unit, we can consider three other lower prices (95p, 90p, 85p).
26 Sensitivity Analysis 3 Usually variations in each key factor are made separately, however dual-factor or multi-factor changes analyses are possible.
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Mariusz Próchniak Chair of Economics II Warsaw School of Economics CAPITAL BUDGETING Managerial Economics 1 2 1 Future value (FV) r annual interest rate B the amount of money held today Interest is compoundedMore information
FINANCIAL MANAGEMENT BBA (IV Semester Core Course) B.Com (V Semester SpecialisationFinance) 2011 Admission onwards UNIVERSITY OF CALICUT SCHOOL OF DISTANCE EDUCATION CALICUT UNIVERSITY.P.O., MALAPPURAM,More information
18 CAPITAL INVESTMENT (Contributed by Deryl Northcott) Introduction Capital Investment Defined Who is Involved in Making CI Decisions? Why Are Capital Investment Decisions Important? Types of Capital InvestmentsMore information
Financing a New Venture
Financing a New Venture A Canadian Innovation Centre How-To Guide 1 Financing a new venture New ventures require financing to fund growth Forms of financing include equity (personal, family & friends,More information


text:
The Local Enterprise Office (LEO) is the First Stop Shop for anyone seeking information and support on starting or growing a business in Ireland.
Here in Limerick, LEO Limerick is delighted to join with AIB Bank for their Enterprise Day which is taking place at their branch at The Square, Newcastle West on 21 June 2018 from 10am to 4pm..
Chris Clancy and Norma Purtill of LEO Limerick, along with the staff of AIB Bank, will be on hand to answer all your business queries on the day.
They will be outlining the supports available from the Local Enterprise Office and AIB Bank.
Tea/ Coffee and light refreshments will be provided on the day.
Looking forward to seeing you all there.

subset: commoncrawl


text:
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As the 2020 Tokyo Olympics creep ever closer so does this discussion of Great Britain's biggest medal hopefuls; and any conversation not including Laura Kenny is, for many, a conversation not worth having.
Few will doubt that Kenny, Team GB's most successful female Olympian, will be on the plane to Tokyo in 2020, but testament to the 27-year-old's nature, she refuses to make any assumptions.
Kenny has her eyes firmly set on October's European Championships in Holland, but before then, she took some time out to focus on a different strand of her sporting responsibilities – the I Am Team GB campaign.
Amidst her hectic schedule in cycling and motherhood, Kenny, Toyota ambassador for the campaign, spent some time at London's Westfield on Saturday to take part in the Nation's Biggest Sports Day: a day of sport and physical activity including over 400 events across the UK.
The I Am Team GB campaign aims to inspire people to take part in sport and physical activity for at least one day and Kenny, who was inspired into sport herself by her own mother, was proud to be present to help others discover the positive impact sport can have on their daily lives.
"I teamed up with Toyota and Team GB to help put on the nation's biggest sport's day – and it's exactly what it says on the tin," said Kenny.
"We wanted to get as many people as possible active on one day. We had loads of activities going on at Westfield, table tennis, swingball, dance – everything you could think of.
"I took part in the sessions and spent a lot of time in the kids' zone. It was fantastic to see so many people taking part. We had a 10-year-old boy who was football mad helping a two-year-old trying to get a hoop over a pole.
"There really is something for everyone to get involved with. It's important to get children active too. I've thought a lot more about that ever since I became a mother to Albie.
"I know the benefits exercise gives me – I feel more relaxed and happier, like I've achieved something. Whether I'm cycling or just walking the dog, I just feel better in myself and I want everybody to experience that same feeling."
The track cycling season is on the horizon and although seven-time world and 11-time European champion Kenny may be no stranger to major international events, she knows that this time, with the likes of Katie Archibald and Elinor Barker in the ranks, her starting line spot for Tokyo is far from safe.
"First things first, I've got to try and get selected for the Europeans" said Kenny.
"It's funny because my biggest rivals at the Europeans come from within my own team, but that competition motivates my training.
"There is such a high standard of talent in the British cycling team and I think that's the reason why the women's pursuit team has always been so strong.
"You're never guaranteed to be in that team, you have to fight for that space – every time, no matter who you are.
"The team has so much talent in it, so when you do make it to the start line, you know you're racing with the very best.
"There is no other team in the world like British cycling when there's year to go until the Olympics.
"The whole team comes together and buys into the same programme – the same goal.
"I feel like we're going in that direction now and will build on that momentum that we always have.
"It's funny because cycling is in the summer Olympics, but really, it's a winter sport so I've been training really hard all summer to get selected for the start of the season.
"I feel relaxed at the minute because I think I've had a good balance this summer, but we'll have to wait and see what October has in store."
It has been far from a simple ride for Kenny since she won team pursuit and omnium golds at the 2016 Rio Olympic Games.
Returning to peak fitness and being able to even consider Tokyo two years on from giving birth to her son Albie in August 2017 is an unthinkable feat for most athletes, but Kenny is confident her journey has changed her perspective on elite sport for the better.
"I see everything completely different now," added Kenny.
"As an athlete, you can get too worked up by every result and every training session. I'm not saying they're not important, of course they are, but sometimes you have to take a step back and see it for what it is.
"I think that's what Albie has brought to me, and to Jason as well.
"It's forced us to adapt and we're a lot more relaxed about the process now.
"We've had a great family balance with training and looking after him. We have to be really organised and decide the exact times we are going to train so someone can look after him.
"If I'm not training, I'm looking after him – it's straight into mum and dad mode! That's how I always saw it and I think it's had a real positive effect in teaching us what is most important in life."
Sportsbeat 2019


text:
When we talk about distribution windows in terms of cinema consumption, we mean the different shapes that a viewer has to consume a movie.
Window 0 to first window movie cycle protection
Likewise, piracy affects every single window and has major consequences to the movie industry. Therefore, it is very clear to us that it is a top priority to aggressively protect the prerelease or window 0 and the release or first window of the movie cycle. For various reasons, it is obviously most important to avoid the movie being downloadable or easily watchable, encouraging people hoping to see it to go to the cinema and pay for it if they want to see it: to encourage them to be "legal".
Second window movie cycle protection
The second window is for the marketing of DVD and Blu-ray formats. Here we again find a piracy level "boom" as many illegal content users wait for the launch of the second window since they can now watch movies in high quality with DVD-Rip and Blu-ray-Rip formats. We think that protection is key, as by stopping downloads in these formats we straight away create interest in buying the DVD/Blu-ray.
Third and fourth movie cycle protection
The third and fourth marketing windows are for selling these rights to digital platforms and to television, both pay and eventually free-to-air. It is surprising to see how we protect movies for their entire business cycle, which lasts for a long time, and yet they are still of interest to pirates and better versions are put up all the time. At these stages we look after television and platforms, protecting their business and forcing users to watch this content on these media only. It is a key measure which builds their client loyalty and digital framework.


text: This new devotional by Tony and Jonathan Evans, KINGDOM FAMILY DEVOTIONAL, turns what often seems like a daunting task into a simple, consistent, and fun routine! It simplifies family devotions. We're all busy these days, kids included! Carving out a consistent time to come together as a family over God's word sounds simple, but very…Read More


text:
I've had this PC a while now, I got this for my website design and editing not only for gaming, this PC is flying through tasks my old PC would struggle with often losing data and hours of hard work.
I7 2600k @4.6mhz
Asus ROG Maximus IV mobo
8gb Corsair xms3 @1600mhz
Dual AMD 6970's
XSPC watercooling cpu+gpu
Corsair HX1000w psu
600gb WD Velociraptor
1tb Samsung spinpoint data HD
The thoughts behind some of the component choices:
1st choice of GPU would of been nVidia 580, but we took a gamble with going down the crossfire root as 2 6970's at the time of build cost the same as a single 580 and in theory would out perform a single 580, so far we have been happy with crossfire seeing nearly a doubling of fps in Crysis and BFBC2 and running stable with max settings, only NFS Shift gives us problems which does not support xf at this time.
We choose xms3 ram at 1600mhz as looking at kits upto 2000mhz showed little performance advantage in Sandybridge systems.
We choose watercooling for cool and quiet running, the fans run at a constant low rpm even underload and everything is nice, quiet and cool.
We stuck at a 4.6mhz overclock as this is nice and stable and not taxing at all for this processor on water and runs plenty fast enough for our needs.
PS this is a huge improvement over my last Best Buy PC, and anyone who thinks buying a high end PC will make them into a pro player overnight is mistaken, wether you play on a low end pc or high end your skill is what it is!!


text:
Marmota has raised AUD$1m through placement of shares at 1.8c per share, becoming fully funded to progress the Aurora Tank gold discovery and to drill test 10 new gold targets in July.
The placement consists of approximately 56 million shares to be issued at a price of 1.8 cents, with Marmota capping the placement at $1m.
Participants in the placement will be eligible to receive exploration tax credits courtesy of the Federal Government's Junior Mineral Exploration Incentive (JMEI) for the 2017-18 financial year.
The placement is being made out of the Company's existing placement capacity under ListingRule 7.1 and 7.1A and does not require shareholder approval.
Over the last two years, Marmota has discovered a portfolio of 10 new gold-in-calcrete anomalous zones on tenements surrounding the Challenger Gold mine in far north South Australia. An investigative drill test program is planned for July.
Each of these zones have been carefully refined and checked by follow-up infill sampling to define consistent significant zones of gold-in-calcrete anomalism. To date, none have been drill tested. This is the same method by which both the Challenger Gold mine and Aurora Tank were discovered: via gold-in-calcrete anomalous zones.
Marmota Chairman Dr Colin Rose said that Marmota's cash position was now much stronger.
"Our costs are in check, we have a superb team of geologists, we are getting excellent high-grade gold intersections at Aurora Tank and are already looking at pathways to bring it to production. We are delighted to be testing 10 brand new gold targets next month."
Source: www.marmota.com.au


text:
Allentown, Florida, Santa Rosa County...Beautiful 36.5 acres wooded acreage...offers all..privacy, private drive, wooded, secluded. Ready for your hideaway, 36.5 acre tract of hunting and recreational land. Deer, turkey, quail. This is a great deal on an awesome residential or weekend get-away property with private drive. Priced very competitively in today's market. USE GPS 1555 Penton Road and this property is across the street and the back of the farmland...look at photo for aerial and lay of land. 70' Private Road will convey with this property.
70x2569x1614x885x154, Level, 25-50 acres, Heavily Wooded Lot
Other-See Remarks, Outside Corp Limits, Single Family Residence
The data relating to real estate for sale on this website comes from the Baldwin County Association Of REALTORS®. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed.
Listing information last updated on September 29th, 2020 at 10:45pm CDT.


text:
It would be great if there was a way to access the templates on the actual file system so that we could track our templates via a version control system (i.e. git)
Store resource files (templates and scripts) in the server-side filesystem (for version control purposes)
Areg Vrtanesyan
I am looking for the same as we have one production and multiple staging instances and it is very hard to track it all down.
If templates and scripts are in version control they are quite easy to manage and manipulate.
I am really interested in this too
Aron Gombas
Another user mentioned similar motivations:
We want use version control for our templates and scripts. We will test on dev and QA servers first and then deploy to production from version control.
Areg Vrtanesyan
Yes please.
It will simplify our life.
Template definition could still live in Jira so it is easy to refer to it but body will be ether inline or file system.
Like in ScriptRunner.
Really nice and powerful.
Josh Simnitt
I would like a feature like this. I currently either download the template using the interface (when using Better Excel) or else need to copy and paste the .vm or .groovy files manually when using the JIRA PDF Views plugin.
It would be really nice to either have integration with a plugin like IntelliJ that could automate this process, or at least have a way of interfacing directly with the files on the server. There is no built in way to track changes that I am aware of, which this would help solve. Maybe you could put some type of intermediate folder in the plugin that could hold 'drafts' of code or something similar.
Aron Gombas
Josh, do you realize that with Better Excel Exporter, you can use the so-called DevMode?
This accelerates template and script development, and integrates with IntelliJ IDEA or with any editor, in fact.
Josh Simnitt
Hi Aron,
I'll try to do that. I don't have access to the actual server itself (only the web interface) but I could try to make a local instance on my local computer and then use the DevMode there, and export the changes as suggested here:
'For heavy template development or scripting work, we suggest using a Jira developer instance, and "releasing" the completed templates by uploading them to the production Jira.'
Aron Gombas
Yea, Josh, that's exactly what we do ourselves!


text:
Industry Overview of Ice Wine Market Report:
The Ice Wine market analysis is provided for the international market including development history, competitive landscape analysis, and major regions development status.This report studies the Ice Wine market, Ice wine is a type of dessert wine produced from grapes that have been frozen while still on the vine.
Request a free sample Report @ https://www.reportsmonitor.com/request-sample/?post=543838
The report has been prepared based on the synthesis, analysis, and interpretation of information about the global Ice Wine Market collected from specialized sources. The competitive landscape section of the report provides a clear insight into the market share analysis of key industry players. Company overview, financial overview, product portfolio, new project launched, recent development analysis are the parameters included in the profile.
Scope of the Report:
Key Vendors :
Inniskillin, Pillitteri Estates ,Pelee Island, Peller Estates, Kittling Ridge, Reif Estate Winery and Jackson-Triggs
Key Regions of Ice Wine Market is:
North America, Europe, Asia-Pacific, South America and Middle East and Africa
Key Applications of Ice Wine Market is:
Daily Meals, Social Occasions, Entertainment Venues and Other Situations
Key Types of Ice Wine Market is:
White Ice Wine and Red Ice Wine
Have a Query? Speak to Expert @ https://www.reportsmonitor.com/make-enquiry/?post=543838
The report covers forecast and analysis for the, Ice Wine Market on a global and regional level. The study provides historic data of 2012-2016 along with a forecast from 2017 to 2022 based on both output/volume and revenue. The study then describes the drivers and restraints for the Ice Wine Market along with the impact they have on the demand over the forecast period. Additionally, the report includes the study of opportunities available in the Ice Wine Market on a global level.
Table of Contents
Ice Wine Market Overview
Global Ice Wine Market Competition by Manufacturers/Brand
Global Ice Wine Sales (L), Revenue (K USD) by Regions (2012-2017)
Global Ice Wine Sales, Revenue, Price Trend by Types
Global Ice Wine Market Analysis by Applications
Global Ice Wine Manufacturers Profiles/Analysis
And More..
Browse Complete Report with TOC, Visit: https://www.reportsmonitor.com/global-ice-wine-market-research-report-2017-3/
All the segments have been analyzed based on present and future trends and the market is estimated from 2017 to 2022. Relevantly, the report and company profiles specify the key drivers that are impacting the demand in global Ice Wine Market .
We at ReportsMonitor.com provide a comprehensive analysis by providing in-depth reports of the various market verticals. Our Mission is to provide a detailed analysis of the vast markets worldwide, backed by rich data. Decision makers can now rely on our well-defined data gathering methods to get the correct and accurate market forecasting along with detailed analysis.
Key Question for this Market Report:
What are the most important aspects driving the Ice Wine Market ?
What are the necessary trends impacting the build-up of the Ice Wine Market ?
What is going to the industry size as well as growth rate be in 2022?
Who will be the key manufacturers in this particular Market space?
What are the trending factors influencing the Market shares in next few years?
Media Contact
Company Name: Reports Monitor
Contact Person: Jay Matthews
Email: email@example.com
Phone: +1 513 549-5911
Country: India
Website: www.reportsmonitor.com


text:
Ball Hut
Image: Adrien Blot | ©
Located in Aoraki/Mount Cook National Park in the Canterbury region
During summer carry a tent as the hut may be full.
NZTopo50 map sheet: BX16
Grid/NZTM2000 coordinates: E1373423, N5165775
Before you go, complete an intentions form and pay fees at the Aoraki / Mt Cook National Park Visitor Centre using cash, Eftpos, Backcountry Hut Pass or Backcountry Hut Tickets.
Plan your travel during daylight hours.
The area around Ball Road is made up of complex avalanche terrain and unstable ground. Large avalanches may cross the road from June to November. Call the Aoraki/Mount Cook Visitor Centre for advice on conditions.
|Aoraki / Mt Cook National Park Visitor Centre
|+64 3 435 1186
|+64 4 471 1117
1 Larch Grove
Aoraki/Mt Cook
|Postal Address:
PO Box 5
Aoraki/Mt Cook 7946
|Full office details


text:
Representatives of the so-called Free Syrian Army are reportedly pressing Americans to revive the program that provides military aid to the militants fighting against the government of President Bashar al-Assad, according to ABNA news agency.
In July, US President Donald Trump reportedly ended the clandestine program, to provide arms and supplies to the militant groups, who attempt to destabilize the situation Syria.
Trump tacitly confirmed the existence of the program later when he blamed the Washington Post for fabricating "the facts on my ending massive, dangerous, and wasteful payments to Syrian rebels fighting Assad."
Mustafa Sejari, a senior official in Syria's mainstream militant group, has now told Reuters, that they are seeking the revival of the program that was launched under former President Barack Obama, yet was never publicly acknowledged.
Anti-Assad militants 'dried up, weakened'
According to the Monday report, Sejari (pictured above) said that Iranians are "expanding without serious resistance," and; therefore, "It is time to turn words into action."
Both Iran and Russia are supporting the Syrian government in the fight against terrorism. Iran has been providing military advisory support for the Syrian forces at the request of Damascus.


text:
An expatriate (often shortened to expat) is a person temporarily or permanently residing in a country other than their native country.[1] In common usage, the term often refers to professionals, skilled workers, or artists taking positions outside their home country, either independently or sent abroad by their employers, who can be companies, universities, governments, or non-governmental organisations.[2] Effectively migrant workers, they usually earn more than they would at home, and more than local employees. However, the term 'expatriate' is also used for retirees and others who have chosen to live outside their native country. Historically, it has also referred to exiles.[3]
The word expatriate comes from the Latin terms ex ("out of") and patria ("native country, fatherland"). Dictionary definitions for the current meaning of the word include:
These contrast with definitions of other words with a similar meaning, such as:
The varying use of these terms for different groups of foreigners can thus be seen as implying nuances about wealth, intended length of stay, perceived motives for moving, nationality, and even race. This has caused controversy.[9][10][11] For example, a British national working in Spain or Portugal is commonly referred to as an 'expatriate', whereas a Spanish or Portuguese national working in Britain is referred to as an 'immigrant', thus indicating Anglocentrism.
An older usage of the word expatriate was to refer to an exile.[3] Alternatively, when used as a verb, expatriation can mean the act of someone renouncing allegiance to their native country, as in the preamble to the United States Expatriation Act of 1868 which says, 'the right of expatriation is a natural and inherent right of all people, indispensable to the enjoyment of the rights of life, liberty and the pursuit of happiness.'[12]
Some neologisms have been coined, including:
Since antiquity, people have gone to live in foreign countries, whether as diplomats, merchants or missionaries. The numbers of such travellers grew markedly after the 15th century with the dawn of the European colonial period.
In the 19th century, travel became easier by way of steamship or train. People could more readily choose to live for several years in a foreign country, or be sent there by employers. The table below aims to show significant examples of expatriate communities which have developed since that time:
|Country of origin
|Host country
|Australians and New Zealanders in London
|Australia/New Zealand
|United Kingdom
|Beat Generation
|United States
|Beat Generation
|United States
|See Beat Hotel.
|British retirees
|United Kingdom
|Costa del Sol
|Arguably immigrants if permanent.
|British retirees
|United Kingdom
|Arguably immigrants if permanent.
|British Raj
|United Kingdom
|Princely states
|Arguably colonists.
|Celebrities and artists
|Lake Geneva
|Los Angeles
|United States
|Jet set
|Lost Generation
|United States
|See A Moveable Feast.
|Modernist artists & writers
|French Riviera
|United Kingdom
|See Japanese diaspora
|Shanghai French Concession
|Shanghai International Settlement
|United Kingdom
|Preceded by British Concession
|Shanghai International Settlement
|United States
|Preceded by American Concession.
|Tax exiles
|Monte Carlo
|Third culture kids
|Includes 'military brats' and 'diplobrats'.
During the 1930s, Nazi Germany revoked the citizenship of many opponents, such as Albert Einstein, Oskar Maria Graf, Willy Brandt and Thomas Mann, often expatriating entire families.[18][19]
After World War II, decolonisation accelerated. However, lifestyles which had developed among European colonials continued to some degree in expatriate communities. Remnants of the old British Empire, for example, can still be seen in the form of gated communities staffed by domestic workers. Social clubs which have survived include the Hash House Harriers and the Royal Selangor. Homesick palates are catered for by specialist food shops, and drinkers can still order a gin and tonic, a pink gin, or a Singapore Sling. Although pith helmets are mostly confined to military ceremonies, civilians still wear white dinner jackets or even Red Sea rig on occasion. The use of curry powder has long since spread to the metropole.
From the 1950s, scheduled flights on jet airliners further increased the speed of international travel. This enabled a hypermobility which led to the jet set, and eventually to global nomads and the concept of a perpetual traveler.
In recent years, terrorist attacks against Westerners have at times curtailed the party lifestyle of some expatriate communities, especially in the Middle East.[20]
The number of expatriates in the world is difficult to determine, since there is no governmental census.[21] The international market research and consulting company Finaccord estimated the number to be 56.8 million in 2017.[22] That would resemble the population of Tanzania or Italy.[23]
In 2013, the United Nations estimated that 232 million people, or 3.2 per cent of the world population, lived outside their home country.[24]
Many multinational corporations send employees to foreign countries to work in branch offices or subsidiaries. Expatriate employees allow a parent company to more closely control its foreign subsidiaries. They can also improve global coordination.[25]
However, expatriate professionals and independent expatriate hires are often more expensive than local employees. Expatriate salaries are usually augmented with allowances to compensate for a higher cost of living or hardships associated with a foreign posting. Other expenses may need to be paid, such as health care, housing, or fees at an international school. There is also the cost of moving a family and their belongings. Another problem can be government restrictions in the foreign country.[26][27]
Spouses may have trouble adjusting due to culture shock, loss of their usual social network, interruptions to their own career, and helping children cope with a new school. These are chief reasons given for foreign assignments ending early.[28] However, a spouse can also act as a source of support for an expatriate professional.[29] Families with children help to bridge the language and culture aspect of the host and home country, while the spouse plays a critical role in balancing the families integration into the culture. Some corporations have begun to include spouses earlier when making decisions about a foreign posting, and offer coaching or adjustment training before a family departs.[citation needed] According to the 2012 Global Relocation Trends Survey Report, 88 per cent of spouses resist a proposed move. The most common reasons for refusing an assignment are family concerns and the spouse's career.[30][31]
Expatriate failure is a term which has been coined for an employee returning prematurely to their home country, or resigning. One study found that the expatriate failure rate is put at 20 to 40 per cent by 69 per cent of executives with multinational corporations.[27]
Trends in recent years among business expatriates have included:
Expatriate milieus are the setting of many novels and short stories, including works by:
Memoirs of expatriate life include those by authors such as:
Films have also been made about the subject, often dealing with issues of culture shock experienced by expatriates. Examples, grouped by host country, include:
Television programmes made about expatriate life include comedies, dramas, documentaries and reality series, such as:
|Look up expatriate in Wiktionary, the free dictionary.
|Wikimedia Commons has media related to Expatriate.
|Wikisource has the text of the 1911 Encyclopædia Britannica article Expatriation.


text:
Customs and beliefs differ from one community to another. This is marked by the various practices undertaken and deemed to hold so much meaning in the succession of generation. However, some of these practices are inhuman and tend to violate human rights despite being given so much weight in the society.
Buy Traditional Rituals essay paper online
Shirley Jackson wrote the short story The Lottery to depict the malice of traditional rituals which are being practiced in the world. This was first published on 26th June, 1948. The release of this edition received mixed reactions from readers in the American market who sent warning mails to Shirley. She portrays the continuity of cultural beliefs from one generation to the next irrespective of the comprehension of the meaning of such rituals.
The plot covers a community which for a long time has valued the Lottery as an avenue to appease their gods. It serves to atone for the sins committed by the community in order to maintain plentiful harvest. A member of the community is stoned to death as a sacrifice for the rest of the community. The stones used in this process are gathered by the children who also participate in the Lottery and risk death in case they pick the black-spotted paper. No one is allowed to unfold the paper until every member has picked.Want an expert to write a paper for you Talk to an operator now
In this small village of about 300 residents, Bill Hutchinson, as the head of the family, picks the slip with the black spot hence selects his family. All the members then pick a second round of papers which makes his wife Tessie to be the victim despite coming late for the occasion. Mr. Bill instead of pleading for the wife shows her spotted paper publicly and even participates in her stoning to death. This is a turbulent atmosphere with tension throughout the scene.
The villagers then proceed to eat their meals after the stoning as if nothing had happened. Bill Jr. and Nancy his sister laugh when they pick blank slots even though they know one of their parents is the victim of circumstances. These are quite ironical of the norms expected in the community. Our societies have held many customs which seem outdated but are still being carried out to fulfill the routines. The culture of wife inheritance is still being practiced by some communities in the world. It follows the death of a man in the society where the wife is taken over by the brothers of the deceased. In case the wife dies after the husband before being inherited, a man would be paid to have sex with her corpse. This practice predisposes to sexually transmitted diseases.
Female Genital Mutilation (FGM) entails the chopping-off of the clitoris of a girl by specialists in some communities. Other Islamic tribes also practice the stitching of the vulva of girls leaving only a small opening for urination in the attempt to maintain their virginity until marriage after which the stitches are removed. Such are traumatic to the female gender.
In other communities, first born males are always offered as sacrifice on a yearly basis. This is on the attempt to appease the ancestral spirits. The community members then enjoy a meal of these children after being slaughtered. Some societies do not bury their dead but instead organize a feast where they feed on their corpses. They argue that it strengthens the unity in the community.
Such cultural practices having been practiced in the past deserve to be phased out with the advent of technology. They are still valued despite the repercussions related to them. Some are chauvinistic and should be abolished in the society. Governments thus should intervene to curb the practices.
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Food List
After some talk yesterday we realized that not everyone will have the same resources we do so we decided to take it a step further.
We guessed at what the average beginning prepper would have on hand for 30 days except we only need 23 more days. I have put the list first so you can see what the next meals are being prepared . Below you will find our list.
The Staples
Rice: We figure the typical beginning prepper would have 25 pounds of rice on hand, I would hope you have more we buy from COSTCO in 25-pound bags and repackage it in mylar bags and store in 5-gallon buckets.
Beans: 10 pounds of beans we split ours between pinto and navy for this experiment, however, we not only have a good supply of both of those we keep lima, kidney, black, and other dried beans.
Flour: We have 10 pounds of flour
Salt: We will be using a 1 pound box.
Honey: A 1 pound jar of honey can last for years if stored properly we keep three 5 gallon buckets but will only be using about a pound.
Seasoning: We have pepper, chili powder, cumin, oregano, and a few others just pick what you like they really help spice up all those rice and beans.
Baking Powder: My wife likes to bake using a dutch oven on hot coals and though we have a sourdough starter that only requires flour and water she kept a small amount of baking powder for this project.
Corn Meal: I'm told that cornmeal has many uses when you're in survival mode.
Oatmeal: Oatmeal is filling and you can add dried fruit like raisins, apricots and apples to it and it is a good source of fiber.
Canned Goods
Canned Meats: Chicken, pork, beef, tuna, salmon, spam we even have a couple of cans of bacon. You can get 2 or 3 servings from each can depending on how you're preparing we figured for four adults we would need about 30 cans.
Canned Vegetables: My wife puts up a lot of corn, green beans, and carrots during our harvest season . If you don't can your own and will be buying them I would suggest 30 to 40 cans of vegetables. Mixed vegetables are good because you can mix them with a little rice and canned meat to make a soup or stew.
Canned Fruit: personally I like peaches but apples, pears, fruit cocktail and other fruits. We have 27 jars of preserved fruits and berries. These are foods that my wife has canned so if you need to buy them check out COSTCO or Wal-Mart for best prices and large quantities.
Dried Fruit Other Necessities
Dried fruit: Like canning, we dry a lot of fruit and vegetables we have a couple 1 pound boxes of raisins around. Add raisins to things like oatmeal or when Terri bakes bread with raisins and nuts. You will have to decide what is best for your family.
Hard Candy: especially good if you have children.
We also have 4 packs of food bars 2400 Calories per pack
Don't Forget the Water
Even though we have a great well and a huge rainwater collection system we do keep a few cases of bottled water on hand we guess about 1 case per person for 30 days.
SHTF Diet Day 7 – 7/22
Breakfast- What my wife calls corn cakes, like pancakes but made from corn meal put a little honey on them and they taste pretty good.
Lunch- One of those food bars and a bottle of water. Better tasting than MRE's.
Dinner- Something my daughter calls survivalist Chili. It isn't your everyday traditional chili but it was excellent. I have included the recipe here. It was served with some of those corn cakes we had for breakfast.
SHTF Diet Day 7 – Chilli Recipe :
2 16 oz. cans kidney beans drained
1 15 oz. can dice tomatoes with juice
1/2 tsp chili powder or to taste
1/4 tsp cumin or to taste
1/8 cup cornmeal set aside
Combine all ingredients except cornmeal in cooking pot cook on low for about 20 minutes then add the cornmeal a little at a time to thicken let simmer for another 20 minutes stirring occasionally.
If chili is too thick add a little water to thin
Serve with cornbread or by itself even if you're not in survival mode this meal is really good.
Weight Gain and Loss
After we finished up the SHTF Diet Day 7
I have lost 2.5 pounds . Scott has lost 1.5 pounds. Kassie is back to her original starting weight since I found the candy bar stash and my wife has lost .5 I think she may be sampling some while cooking.
Tomorrow we begin week 2 of this great survival experiment stay tuned
Can You Survive the SHTF Diet First Post
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Rebecca has been nominated in the 2019 Independent Music Awards in the Folk Singer Songwriter Category for her song 'Waves'
The 17th awards are being presented to the recipients at the Symphony Space Performing Arts Center 2537 Broadway at 95thStreet New York
Earning an Independent Music Award is more than just a badge of distinction.
The IMAs – the awards program for independent bands, fans and brands – connects independent artists with new audiences and revenue opportunities.
The IMAs leverages its unrivalled access to performance, promotion & distribution opportunities to place winners & nominees in front of 50 million music fans, programmers, talent buyers, film, TV & gaming music supervisors, retailers, media outlets and licensing opportunities.
Now in its 17th year, The IMAs honour the most exceptional music, video, concert photography and designs by established and emerging talent. And connects them to a wider audience.
Iconic Artists, Music Fans, Programmers, Press, Music Supervisors & Talent Buyers throughout the Americas, Europe and Pacific Rim choose the year's best self-released & indie label projects
Rebecca is one of six globally nominated artists in this category – the only other artist from Wales to be previously recognised in Rebecca's category is Martyn Joseph. So Rebecca is in great company. Previous recipients in this category include Passenger.
Rebecca will be walking the red carpet at about the same time Adam Walton will be presenting his Adam Walton Show on BBC Radio Wales Saturday night. Around about midnight. Adam was the first presenter to air 'Waves' on his radio show in 24thMarch 2018 saying:-
'There's a real emotional undertone there as well but clearly clearly beautiful and Rebecca Hurns voice is,I think, one of our national treasures as it were – and a new one- because normally national treasures status is bestowed on something that's like ancient, but Rebecca Hurns voice has got something truly special – you know- about it'
Judges this year include:-
Tom Waits
Lee Ann Womack
Robert Smith
Todd Rundgren
Ben Lovett (Mumford & Sons)
David Rosenthal (Musical director for Billy Joel)
Trist Curless (Manhattan Transfer)
Gloria Gaynor


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CHLOE may soon be selling more than covetable clothes and lust-worthy handbags, as the brand looks set to be sold by owners Richemont. The Swiss luxury holding group is said to be turning its focus towards higher-end "hard" luxury brands and looking to cut off its "soft" luxury brands which have been under-performing.
Azzedine Alaïa, Dunhill and Shanghai Tang are set to be joining Chloe on the transfer list, as it were, with other fashion labels outperformed by Richemont's watches and jewellery divisions. Thomas Chauvet of Citigroup said he expects Richemont to make a "complete exit" from fashion and accessories, WWD reports, in a bid to refocus on its hard luxury brands.
Rumours abound that Yoox Group and Richemont are discussing the possibility of merging Yoox.com with Net-a-porter, although Richemont denies that Net-a-porter is for sale.
No comment has been made by Chloe, and the brand continues to focus on the new season and the launch of its new book Chloe: Attitudes.
Read more: Chloe Spring/Summer 2014 Ready-To-Wear


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Educational Colours Master Markers lay down bright and radiant colours! Our washable markers are child safe with non-toxic, waterbased ink and child safe ventilation caps. Each marker has a durable, fine, 2.6mm sink-resistant nib making them perfect for drawing detailed images. 12 vibrant colours in the range. Perfect for the young aspiring artist to express their imagination!
96 pack consists of 8 each of the 12 colours
144 Crate contains of 12 each of the 12 colours


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Arrival at Arlanda airport
Airport coaches leave Arlanda airport every 5-10 minutes for the City Terminal in central Stockholm. The bus ride takes approximately 35 minutes and costs SEK 99. Please visit https://www.flygbussarna.se/en for further information.
The bus stop "Karolinska Sjukhuset Eugeniavägen" (before reaching Liljeholmen) is located next to the Elite Hotel Carolina Tower.
Arrival at Bromma Airport
Airport coaches leave Bromma airport for the City Terminal in central Stockholm. The bus ride takes approximately 20 minutes and costs SEK 75. Please visit https://www.flygbussarna.se/en for further information. Taxis are available outside the arrival hall at Bromma airport.
Taxis are available directly outside all terminals at Stockholm Arlanda airport. Free price setting applies to taxi rides in Sweden since the taxi market is deregulated. Choose the company and car that best suits you, you do not need to take the car that is first in line. Therefore, we recommend you to choose Taxi Stockholm or Arlanda Taxi. Ensure that you receive a taxi meter receipt at the end of your trip.
From Arlanda Airport there is a direct train connection to the Stockholm Central Station, the Arlanda Express Train. The journey takes 20 minutes, cost SEK 280. The train has 4-6 departures per hour from Arlanda Airport, and is specially designed with extra space for luggage. Please visit www.arlandaexpress.com for further information.


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Fresh, juicy, yummy and savory aren't exactly words normally used to describe broccoli. Despite several health benefits of the cruciferous vegetable, most Americans think of it as a squishy, boring side dish to hurry up and finish before being allowed to leave the dinner table.
But our collective negative view of broccoli could have to do with how it looks when it's served to us, explains Vandana Sheth, RD, CDE, spokesperson for the Academy of Nutrition and Dietetics. "We eat with our minds. When food is visually appealing, enjoying food is easier," says Sheth. Turns out, there are more visually appealing varieties of some of the most maligned leafy greens, they're just not as commonly used.
While we often think of summer as the season most abundant in produce, Sheth says cold-weather crops aren't to be pushed aside or fed to the dog when no one is looking. These uniquely-hued superfoods have the ability to create a bright centerpiece while delivering nutritional benefits and wowing dinner guests -- and they just might win over the kids, too.
Purple Broccoli
Broccoli is a great source of fiber, and vitamins A, C and K. Purple broccoli maintains all the health benefits of it's green variety, plus the violet-hued veggie may be an even more powerful cancer fighter, thanks to higher levels of anthocyanin, found in red wine and grapes, which acts as an antioxidant. A 2012 study found that purple sprouting broccoli contains higher levels of antioxidants than green broccoli even after cooking, which decreases the amount of vitamins and antioxidants in both varieties.
While uncommon today, purple broccoli is considered the ancestor of all broccoli, according to the American Culinary Federation, and was originally used in Europe to make stir fries. Sheth suggests tossing it with olive oil, garlic and ginger for a sweet and healthy warm dish.
Purple Cauliflower
Purple cauliflower, on the other hand, is relatively new to the cruciferous family, having become available in the fall of 2003 after a breeding experiment in Geneva, New York through the New York State Agricultural Experiment Station. Like purple broccoli, this cauliflower variant also contains anthocyanin, making it sweeter and higher in antioxidants than its white counterpart.
Cooking purple cauliflower is a more sensitive task. This variety cooks faster and can change color from purple to green, according to the University of the District of Columbia. It's recommended to microwave colored cauliflower, as any other heating will reduce the level of anthocyanin, according to a 2008 study.
Orange Cauliflower
In addition to all the benefits of white cauliflower like vitamin C, potassium and a low calorie count, orange cauliflower is also bred with beta-carotene, giving it 25 times more vitamin A than white cauliflower.
Sheth suggests baking orange cauliflower in a 350-degree oven with olive oil, salt and spices such as cumin or paprika for 25 to 30 minutes until the florets are slightly browned.
Purple Kale
The deep purple hue in this kale comes from a phenotype mutation that also gives the vegetable extra antioxidants, including anthocyanin, which provides the body with anti-inflammatory benefits and may held ward off heart disease and cancer.
Sheth warns that green kale fans will notice purple kale's distinct flavor, but stresses it still makes for an impressive ingredient.
Purple Carrots
Only one variety of colored carrots, Purple Haze carrots, has similar phytochemicals and vitamin A content as orange carrots. The Purple Haze type is known for its noticeably orange center, a sign of the presence of beta-carotene. The carrots grow into a deeper purple hue dependent on the soil temperature, suggested to be between 59 and 68 degrees Fahrenheit for the strongest purple color, according to Colorado State University's Colorado Master Gardeners.
While the crop has recently become popular in supermarkets, Purple Haze carrots were actually one of the original carrots grown in Afghanistan in the 10th century, according to the BBC. Dutch farmers are responsible for the familiar orange color after patriotically changing purple carrots to match the orange of the Prince's Flag.


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For more information about any of the products or services that Microsoft offers, please contact us and a member of our team will be happy to help.


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Clerical Staff in Lagos, Nigeria
Job Vacancy at West Alliance Resources Ltd.
- Industry
- Human Resources
- Specialization
- Human Resources
- Minimum Qualification
- Required Experience
- Entry Level
- Employment Type
- Full Time
- Gender
- Male or Female
Job Description
Talks with customers by phone or in person and receives orders for installation, turn-on, discontinuance, or change in service.Fills out contract forms, determines charges for service requested, collects deposits, prepares change of address records, and issues discontinuance orders, using computer.
May solicit sale of new or additional services.May adjust complaints concerning billing or service rendered, referring complaints of service failures, such as low voltage or low pressure, to designated departments for investigation.
B.Sc./HND/OND in Business Administration, Management and any other related course.In any reputable institution.


text: Artist Claire Thomas took a group through the secrets of portraiture at a workshop session in the museum on Sunday. Three Volunteers acted as models and a keen, 'mixed ability' group produced some interesting, and genuinely artistic, results. One of the group was trying portraits for the first time, others were clearly more experienced, but a good time was had by all present.


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Malik Zaire's career at Notre Dame started with a bang, and it will end with a thud.
Zaire led Notre Dame to an unexpected win over LSU in the 2014 Music City Bowl — Zaire was named MVP of that game — and posted Heisman-like numbers in his 2015 debut against Texas and Virginia, but an ankle injury derailed his career and he never recovered.
Zaire won the starting job to start this season but ceded control to DeShone Kizer in the second half of the Irish's opening-night loss at Texas and never wrestled it back.
And now, according to a report from Irish Illustrated, Zaire is set to leave.
The site reports that Zaire will meet with Notre Dame head coach Brian Kelly on Wednesday morning, at which time he's expected to receive his release from the school. A graduate transfer, Irish Illustrated lists Florida, Pittsburgh, Michigan State and Wisconsin as possible destinations.
The timing of the report is interesting with DeShone Kizer listed as a possible first-round pick by some mock drafts. Kizer has not formally entered the draft, though.
Zaire finishes his Notre Dame career completing 58-of-98 passes for 816 yards with six touchdowns and no interceptions while rushing 72 times for 324 yards and two touchdowns.


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Hermetic Tarot Deck
Regular price 24.00 USD
Classic Hermetic Tarot Deck. The details and symbols in each card reveal many of the esoteric workings of the Secret Order of the Golden Dawn, which flourished around the turn of the century.
✦ 78 Card Deck - Beautifully Detailed Black and White Illustrations
✦ 70-Page Instruction Booklet - includes an introduction by Stuart R. Kaplan and card meaning written by Godfrey Dowson and Stuart R. Kaplan. The booklet also gives instructions for the classic ten-card Celtic Cross layout and presents a chart of the elemental and astrological symbols and a diagram of the ten spheres and 22 Hebrew Letters of the of the 22 Paths of the Tree of Life.
Crafted by Godfrey Dowson


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The 17th edition of Miss Niger Delta Peace Cultural Pageant was held in Imo Trade and Investment center, Owerri on 21st July, 2018.
The event which was slated to begin with red carpet by 5pm and show 6pm was a bit delayed due to some unforeseen circumstances.
The decoration of the event center was top notch which left some invitees stunned. It was an amazing transformation.
Here are my highlights of the event:
The amazing performances of the artists especially Mercy Chinwo which turned out to be not only a performance but also ministration. The atmosphere changed and some of the invitees couldn't hold back their emotions.
Timaya's performance which was fun filled. It had everyone on his/her feet dancing.
The arrival of contestants on the stage with their cultural outfits representing the 9 Niger Delta states. The display had an impeccable quality and depicted oneness.
The crowning of the Queen which was filled with a lot of expectations and tension. From their stage performances, I had a contestant in mind who was likely to win but when Miss Gina was surprisingly crowned, it dawned on me that on-stage performances had only 40% while camp activities had 60%.
My lowlights of the event,
It was an amazing event but as they would say, nothing is perfect.
During the crowning of the Queen, when everyone was standing and tensed, power was interrupted. The total blackout which lasted up to 8mins was really distasteful.
Then finally, the coldness in response from the invitees. The hosts had to go extra miles to carry the invitees along with the repeated shouting of ' Owerri are you ready'. The positive vibes from invitees during an event adds grace and flavour.
I want to thank the Organizers and Judges of this event for their prudence. This organization has proven to be honorable and as such, gained my loyalty.
To my fellow media team members, let's keep engaging and connecting with our audiences.
Thank you all.
See Photos Below;


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Cheap Accommodation, Hotels and Serviced Apartments Oyster Cove
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All you need is to know what establishments are available and what each one is offering. When you know that, you'll be able to make the best selection to get you what it is you want for your vacation. There are lots of different resorts all over the world, but all those different places aren't going to be able to give you the same experience as you'll have in the Oyster Cove, Australia. Instead, they'll provide you with what you want from their own areas, which is why they've become the ordinary vacation spots that they now are. The staffs at the resorts are well trained and courteous and are hired from the best hotel management schools in the country.