text:
Transfer Pricing
India's transfer pricing laws are enumerated under Sections 92 to 92F of the IT Act, 1961 and cover intra-group cross-border transactions. Rules and regulations prescribe that income arising from international transactions or specified domestic transactions between Associated Enterprises (AE) should be computed using the arm's-length price principle, that is, the amount payable if the trading companies were unrelated.
[tips title="Important Tip"]'International transactions' refers to transactions between two (or more) AEs involving the sale, purchase, or lease of tangible or intangible property, the provision of services or cost-sharing agreements, the lending/borrowing of money, or any other transaction with a bearing on the profits, income, losses, or assets of such enterprises.[/tips]
Relationships falling under the AE category include direct/indirect participation in the management, control, or capital of an enterprise by another enterprise. They also cover situations in which the same person participates in the management, control, or capital of both the enterprises.
For tax purposes, companies are required to record the exchange of goods using the arm's-length principal, which states that the prices charged by affiliated companies should be equivalent to the prices that would have been charged by a third-party. The following methods are prescribed under the IT Act for the determination of the arm's-length price:
- Comparable Uncontrolled Price (CUP) Method;
- Resale Price Method (RPM);
- Cost Plus Method (CPM);
- Profit Split Method (PSM);
- Transactional Net Margin Method (TNMM); and
- Such other methods as may be prescribed.
It has been notified that the 'other method' for determination of the arm's-length price in relation to an international transaction shall be any method that takes into account the price which has been charged for the same or similar transactions, with or between non-associated enterprises, under similar circumstances considering all the relevant facts. No particular method has been accorded priority and the most appropriate method for the transaction would need to be determined with regard to the nature and class of transaction or associated persons and functions performed.
Until the fiscal year 2011-12, transfer pricing regulations were not applicable to domestic transactions. The Finance Act, 2012 extended the application of transfer pricing regulations to domestic transactions, labeled specified domestic transactions (SDT). This amendment has been applicable from the assessment year 2013-14 onwards. Transactions will fall under domestic pricing only if the aggregate value is more than the threshold limit of INR 200 million (US$2.7 million) (from assessment year 2016-17).
Transactions with related domestic parties that qualify as SDT include:
- Expenditures where payment is made or will be made to:
- A director
- A relative of the director
- An entity where a director or the company has a voting interest that exceeds 20%
- Transactions relating to transfer of goods or services provided in Section 80-IA (8) and (10) (that is, profit-linked deductions for enterprises engaged in infrastructure development or industrial undertakings, producers and distributors of power, or telecommunication service providers).
- SDT is also applicable on the transactions between the entity located in a tax holiday area, and the one which is situated in a non-tax holiday area in case both are under same management structure. For example, transactions between undertakings established in special economic zones, free trade zones, or export-oriented units that involve transfer of goods and services to another unit under same management at non-market prices.
Audit under transfer pricing
Under transfer pricing regulations, companies in India are expected to file Form 3CEB if the entity has entered any international transaction with an associated enterprise or some specified domestic transaction (the latter with effect from assessment year 2013-14).
This is filed alongside Form 3CD under Section 92A to 92F of the Income Tax Act, 1961. Form 3CD is a detailed statement of particulars related to various aspects of the business and transactions undertaken.
Though sending company profits from India is much simpler than remitting personal income, the procedures to remit money to the parent company depend upon an entity's investment model.
Remitting profits from India: Procedures and regulations
Remitting from liaison offices
Typically, foreign companies in India operate through either a liaison office, project office, branch office or wholly owned subsidiary (WOS).
Liaison Offices are only meant to promote the parent company's business interests, spread awareness of the company's products and/or explore further opportunities for business. They are not allowed to undertake any business activities and thus cannot earn any income in India. Expenses must be met entirely through inward remittance of foreign exchange from the head office outside India. Therefore, companies are not permitted to repatriate money from a liaison office.
Remitting from project offices
Project offices are set up to execute specific projects in India. They can only undertake activities related to the execution of the specified project. These offices can remit outside India a surplus, only upon completion of the project.
Remitting from branch offices
Branch offices are often used by foreign companies engaged in manufacturing and trading activities in India. They can represent the parent company but have limited operational capacity. Notable operations not allowed by branch offices include retail trading activities and manufacturing or processing activities.
All investments and profits earned by branches of a foreign company are repatriable after taxes are paid. There are, however, two uncommon exceptions to this; first, certain sectors such as defense are subject to special conditions. For these sectors, there is a lock-in period where companies have to wait for permission to be granted by the Indian government. The second exception is only when non-resident Indians (NRIs) specifically choose to invest under non-repatriable schemes.
According to sections 11C.1 and 11C.2 of the Reserve Bank of India's (RBI) Exchange Control Manual, branch office of foreign companies must file the application for remittance of profits along with the following documents:
- Certified copies of audited balance sheet and profit and loss account statement for the year to which the profit relates;
- Certificate from auditors covering how the remittable amount was calculated;
- Confirmation that the entire income of the branch office was accrued from sources in India;
- Confirmation that the requirements of the Companies Act, 1956, have all been met;
- Certificate from auditors citing RBI's approval number and date, to the effect that the branch office has carried on business in compliance with approval granted by the RBI;
- Certificate from auditors that shows sufficient funds have been set aside to meet all Indian tax liabilities, or that these liabilities have already been met; and
- Declaration from the applicant that profits sought for remittance are purely earned in the normal course of business and do not include profits from any other source.
Companies must note that authorized dealers scrutinize the documents to make sure that the income is derived from RBI-approved activities and that calculations of the amount sought to be remitted are correct.
An authorized dealer is essentially a bank, specifically authorized by the RBI under Section 10(1) of FEMA to deal in foreign exchange. Most large international banks are authorized dealers.
Besides profits, remittances of winding-up proceeds of a branch office are also permitted under the Indian law. They are subject to prescribed procedures and require submission of the following documents:
- Tax clearance certificate from the Income Tax Department for the remittance;
- An auditor's certificate confirming that all liabilities in India have been either fully paid or adequately provided for;
- An auditor's certificate to the effect that the winding up is in accordance with provisions of the Companies Act, 1956; and
- An auditor's certificate stating that there are no legal proceedings pending against the applicant or the company under liquidation and that there is no legal impediment in permitting the remittance.
Remitting from Wholly Owned Subsidiaries
Wholly owned subsidiaries in India have independent legal status distinct from the parent foreign company. Foreign entities with long-term business objectives often choose to establish their presence with a WOS because it provides longevity, flexibility, and a stronger legal foundation for doing business in India.
- The two ways of sending profits from a WOS in India are:
- Pay out of profits as dividends; and
- Buyback of shares by the company.
Dividends are freely repatriable without any restrictions if taxes are paid, notably the Dividend Distribution Tax (DDT). Tax credit and/or tax relief is not applicable for the DDT or for repatriation of dividends. Companies do not require permission from the RBI, but the remittance must be made through an authorized dealer.
[video file='https://content.jwplatform.com/videos/o48NjVEJ-XXceGyBw.mp4' image='https://resource.dezshira.com/resize/900x506/Misc/banners/web_1.jpg' title='How BEPS 2.0 is Reshaping the Global Tax Landscape for Multinational Enterprises in Asia']
Further, there is a limited list of 22 consumer goods industries where repatriation of dividends is subject to certain requirements. The list includes the manufacturing of food products, coffee, and soft drinks among others.
Among specific requirements, the most notable one is that dividends must balance against export earnings for a period of seven years from the commencement of production.
Secondly, profits can be repatriated in the middle of the year with interim dividends after the DDT is paid. However, if using interim dividends, the company must have enough book profits to pay the dividend and enough money to pay taxes in India. If at the end of the year that turns out not to be possible, the directors may be made personally liable and be penalized, as a mistake on their part to declare interim dividends on the wrong judgment.
Profit can also be repatriated along with capital through buyback of shares if a buyback tax of 20 percent is paid on profits distributed by companies to shareholders.
The tax is not applicable if the company concerned is a publicly listed company or a subsidiary of a publicly listed company.
[faq title="FAQ:Repatriating Your Profits from India"]
What are the ways in which profits can be repatriated from India?
Prior to entering any international market, an investor must understand how to repatriate profit from that country. While sending company profits from India is much simpler than remitting personal income, the procedures to remit money to the parent company depend upon the entity's investment model.
In India, profit can be repatriated using the following methods:
- Dividend
- Buyback of shares
- Reduction of share capital
- Fees for technical services
- Consultancy service/business support services
- Royalty
What are the legal entity types through which a foreign company/investor can repatriate profits out of India?
The procedure to repatriate profit to the foreign investor/parent company depends upon an entity's investment model. Typically, foreign companies in India operate through either a liaison office, project office, branch office, or wholly owned subsidiary (WOS) – depending upon the nature of their activities.
- Liaison offices are only meant to promote the parent company's business interests, spread awareness of the company's products, and/or explore further opportunities for business. They are not allowed to undertake any business activities and thus cannot earn any income in India. Expenses must be met entirely through inward remittance of foreign exchange from the head office outside India. Therefore, companies are not permitted to repatriate money from a liaison office.
- Project offices are set up to execute specific projects in India. They can only undertake activities related to the execution of the specified project. These offices can remit a surplus outside India – only upon completion of the project.
- Branch offices are often used by foreign companies engaged in manufacturing and trading activities in India. They are allowed to represent the parent company but have limited operational capacity. All investments and profits earned by branches of a foreign company are repatriable after the taxes are paid and compliance ensured with such rules and regulations as may be applicable.
- Wholly owned subsidiaries in India have independent legal status distinct from the parent foreign company. Foreign entities with long-term business objectives often choose to establish their presence with a WOS because it provides longevity, flexibility, and a stronger legal foundation for doing business in India. Profits can be repatriated from a WOS via dividend, buyback of shares, reduction of share capital, fees for technical services, consultancy service/business support services and royalty.
Why is dividend considered the most optimal method to repatriate profits from India?
One of the most used methods of profit repatriation is through dividend payments from a subsidiary to its foreign parent entity. The Indian tax system makes dividend a particularly attractive method of repatriation in many situations.
In India, the Finance Act, 2020 changed the method of dividend taxation. Henceforth, all dividend received on or after April 1, 2020 is taxable in the hands of the investor/shareholder. In a case where the dividends are paid to non-resident shareholders, tax is required to be deducted at 20 percent (plus applicable surcharge and cess) subject to tax treaty benefits where a lower rate, if applicable, can be availed.
For a dividend payment to be an optimal solution, there are several factors that need to be considered, including India's tax treaty status with the foreign country.
Provided that the foreign affiliate is situated in a country with which India has a tax treaty, dividends from the Indian subsidiary can be remitted to the foreign country simply by deducting withholding tax (WHT), which ranges from five percent to 15 percent, depending on the nature of income and activities carried out in India.
Currently, India is a signatory to tax treaties with 96 countries which include a comprehensive agreement with countries such as Australia, Canada, Germany, Mauritius, Singapore, UAE, UK, and USA.
How can a company use fee for technical services (FTS) as a way of repatriating profits out of India?
As per the Income Tax Act, 1961 "fee for technical services" means any consideration (including any lump sum consideration) for the rendering of any managerial, technical, or consultancy services (including the provision of services of technical or other personnel) but does not include consideration for any construction, assembly, mining, or similar project undertaken by the recipient or consideration that would be the income of the recipient chargeable under the head "Salaries".
To qualify under the definition of FTS, the consultancy or technical services should be rendered by someone who has special skills and expertise in rendering such services. Thus, both managerial and consultancy services involve expert professionals.
Most foreign companies or non-residents provide technical and consultancy services in the form of management/ business support services that their Indian counterpart uses – to establish best practices or kickstart the growth of the business in India. In turn, the Indian company makes a payment for the services used in the form of a service fee. While making payment to the foreign affiliates, transfer pricing provisions also need to be considered to determine whether the amount or percentage of payment is in line with industry standards.
How can a company use royalty as a way of repatriating profits out of India?
Royalty is generally a consideration received by a person (a creator or an innovator) for allowing their work of art or scientific invention to be used commercially. However, in commercial and industrial terms, the concept of royalty is wider. Royalty is generally a payment received by the owner of an intangible right or know-how under license in any technology transfer.
Such intangible rights are given for making use of intellectual property, such as patents, inventions, models, secret formulae, processes, designs, trademarks, service marks, trade names, brand names, franchises, licenses, commercial or industrial know-how, copyrights, cultural activities, films, or television rights, literary, artistic or scientific works, computer software, exclusivity rights, etc. Royalty essentially signifies payment for 'user right'.
Such user rights could be an annual payment or a pre-decided periodical payment. Thus, embedded in the concept of royalty is the rentals received as consideration for use of, or the right to use any patent, trademark, design or model, plan, secret formula, or process.
With the increased inflow of foreign direct investment (FDI) to India, it is expected that Indian firms will use more improved technology and frontier research and development (R&D) to expand or advance their industrial production and service capabilities.
It is a common practice for foreign companies to provide their trademark or brand name as well as access to their patented technologies and products to their counterparts in India. The increasing use of technology is linked to the increased royalty and license fee payments by business firms.
While making payment to the foreign affiliates, transfer pricing provisions also need to be considered to determine whether the amount or percentage of payment of royalty is in line with industry standards
Consideration (including lumpsum consideration) in the form of royalty can be for any of the following:
- Transfer of all or any rights (including license) in:
a) invention, patent, model, design, secret formula or process or trademark, etc. (IP)
b) copyright, literary, artistic, or scientific work, including films or video tapes/tapes for use in TV/radio broadcasting
- Imparting of any information concerning:
a) the working of or use of IP
b) technical, industrial, commercial, or scientific knowledge, experience, or skill
- Use of:
a) any IP
b) right to use any industrial, commercial, or scientific equipment
How are royalty & fee for technical services taxed in India for non-residents or foreign companies?
Several foreign companies or non-resident entities run their business in India and their income is directly accrued or received in the country. In some other cases, the income is indirectly accrued or received in India or is deemed to accrue or be received in India.
Whatever the case may be, if the earning of the foreign entity is from royalty or for providing technical services, the payer of such royalty or FTS generally enters into some agreements with the foreign entity. The payer or the user of the royalty or recipient of the technical service may be the government or any other Indian concern. If the agreement is an eligible one, such income is taxed at a lower, preferential tax rate.
Royalty/FTS for non-residents is taxable in India – if sourced in India, such as in cases where a brand name or technical services is given to an Indian entity. Simply understood, FTS or royalty income is liable to tax at a place where the service is consumed or received by any person.
FTS payable by an Indian company, to a non-resident or foreign company, shall be deemed to accrue or arise in India unless it falls under the following two exceptions:
- Where the FTS is payable by a company in respect of technical services utilized in a business or profession carried on by the company outside India.
- Where FTS is payable in respect of technical services utilized for the purpose of earning any income from any source outside India.
As per the Income Tax Act, 1961 – an Indian company, while making the payment to its foreign affiliates/parent towards the royalty, fee for technical services, or consultancy services shall withhold the tax at 10 percent (plus surcharge and applicable cess), subject to the fulfilment of such conditions as may be applicable.
Also, the role of tax treaties comes into play here in taxing the royalty or fee for technical services. The Income Tax Act authorizes the Indian Government to enter into tax agreements with the other countries for avoiding double taxation of the taxable base.
These tax agreements are called Double Taxation Avoidance Agreements (DTAAs). The purpose of such treaties is to set some ground rules to avoid double taxation of the same income. The treaties become even more important as every country likes to tax based on the residence principle (as India has for its residents) or source principle (as India has for non-residents).
The tax liability as determined under India's income tax law may undergo change by application of the provisions of these tax treaties. In such a scenario, whichever provision (per the Income Tax Act or per the Tax Treaty) is beneficial to the non-resident will prevail.


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Osteopathic Manipulative Medicine Faculty
- Employer
- Liberty University
- Location
- Lynchburg, VA
View more
- Faculty Jobs
- Health & Medical, Medical Research, Medicine
- Employment Type
- Full Time
- Institution Type
- Four-Year Institution
Job Details
F00229PClassification Title:
Liberty University's hiring practices and EEO Statement are fully in compliance with both federal and state law. Federal law creates an exception to the "religion" component of the employment discrimination laws for religious organizations (including educational institutions), and permits them to give employment preference to members of their own religion. Liberty University is in that category.Position Title:
Osteopathic Manipulative Medicine FacultyDoes this position require driving?:
Robbin Wright, Carla JonesContact Phone Ext:
434-592-7657 or 434-582-3437Contact Email:
[email protected] or [email protected]Job Summary/Basic Function:
Demonstrate experience and expertise in Osteopathic Manipulative Medicine that ensures the collaborative integration of scientifically based, outcome evaluated clinical knowledge and skills, biomedical sciences, and osteopathic principles and practices for predoctoral and/or postdoctoral students, provide service to the university and professional communities and engage in innovative scholarship and research to advance medical knowledge.Minimum Qualifications:
1.Terminal degree (Doctor of Osteopathic Medicine or Medical Doctor Degree) with current Board Certification in appropriate area of specialization if applicable.
2.Demonstrated ability to contribute to the academic and clinical training efforts of an osteopathic medical school and demonstrated potential for academic and professional growth.
3.Demonstrated leadership and productivity in the areas of clinical or professional service, scholarly activity, medical research or education.
4.Eligible for licensure and able to attain and maintain active professional licensure to practice medicine in the Commonwealth of Virginia.
5.Good standing with all regulatory and governmental boards and agencies.
6.Eligible for coverage by college's malpractice insurer if applicable.
1.Demonstrated leadership, productivity and administrative experience in clinical, professional, research or educational settings.
2.Prior academic experience as a full time faculty member at a College of Osteopathic Medicine, College of Allopathic Medicine, Academic Health Care Center, GME Program or other doctoral level allied health college would be valuable.
8:00am – 5:00pmPosting Date:
Since 1971, the mission of Liberty University has been to develop Christ-centered men and women with the values, knowledge, and skills essential for impacting tomorrow's world. With a unique heritage and an ever-expanding influence, Liberty remains steadfast in its commitment of Training Champions for Christ. Read more about Liberty at www.Liberty.edu/AboutLiberty.
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subset: commoncrawl


text:
Practical Step-by-Step Methodology for Effective Software Testing
This program brings to you the Best Practices collected through Experience, Research, and Industry Standards. This unique program provides the participant with a multi-discipline understanding of Software QA & Testing Function.
You will learn about the related:
- Problems
- Methodology
- Business Processes
- Best Practices
- Planning
- Benchmarking
- Improvement
- IT Tools
- Management Concerns
Course Objectives:
At the end of this course the participants will be able to:
- Gain Technical and Process Knowledge
- Align to the Needs and Expectations of Stakeholders/ Customers (internal & external)
- Align to Organizational Strategic Objectives.
- Learn Good Management Practices, and, Meeting Requirements and Recommendations of the Relevant Industry Standards.
- Make Dramatic Process Improvements, including (as relevant) Productivity Improvements, Product and Service Differentiation and Generally Exceeding Stakeholder/ Customer Expectations.
Targeted Audience:
- Software Testers
- Developer
- Quality Assurance Professionals
- Project Managers
Course Outlines:
Unit 1:
- The software development business environment. Concerns of
- Software Developers
- Software Test & QA Professionals
- Management
- Understanding the Problem
- Software Development Life Cycle and QA & Testing Requirements
Unit 2:
- Software Testing Methodologies
- Understanding the Industry Standards
- Methodology, QA & Best Practices for
- Client-Developer Coordination
Unit 3:
- Developer-Tester Coordination
- Test Team Effective Internal Coordination
- Strategies for Design-Testing Integration
- Standardization, Control, and Documentation Strategy
Unit 4:
- Testing Tools
- Third-Party
- Developing Own
- Test Planning
- Test Analysis
- Test Design
Unit 5:
- Test Implementation
- Test Execution
- Test Reporting
- Corrective and Preventive Action


text:
Tesla was 4% lower in the U.S. trading session after announcing an "At the Market" sale of $5bn worth of stock. The company is obviously taken advantage of the big run-up in the company's valuation and the carmaker stated that it was planning to use the proceeds, "to further strengthen our balance sheet, as well as for general corporate purposes."
Tesla announced in a filing that it had reached an agreement with U.S. and European banks including Goldman Sachs, BofA, Barclays, and Deutsche Bank to sell $5bn worth of the company's stock based on instruction from Tesla.
The news from Tesla comes only a day after the stock began trading in a 5:1 stock split, which saw the share price closing above $500 on the first day of trading. The latest announcement is clearly part of a plan to make the stock more affordable to retail investors and the share sale would also be pushed to retail investors in the event that institutions are not interested in taking up the new offering.
In its latest earnings release, Tesla had $8.6bn in cash on the balance sheet at 30th June 2020, which was up from $6.2bn at the end of 2019. The latest move would see Tesla rivaling other U.S. automakers for cash on hand as General Motors and Ford had $19bn and $17.5bn respectively at year-end 2019. Both of those companies will have seen that tested during the recent virus outbreak and traders may see the move as bullish for Tesla after it recorded four-straight quarters of profit in the last earnings release.
Tesla Technical Outlook
Tesla has dipped after touching a high of $502.49 on the day. A 4% loss sees the stock trading at $478.75 as the news is breaking and could see further losses on the week. The stock will attempt to find support and $440 and $400 are near-term targets with the $360 breakout level being a larger move. Traders should look for a buy setup if they want to buy this stock at lower levels. The Investing Cube Trading Course can help with buy and sell signals.
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- Download our latest quarterly market outlook for our longer-term trade ideas.
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text:
The purpose of the Zucker Family School of Education's undergraduate and graduate programs is to serve the community by providing high quality programs to prepare middle and secondary teachers, professional educators, and school counselors. The mission of the Zucker Family School of Education at The Citadel is to support the development and preparation of individuals who are knowledgeable about the learning process and learners who are effective, ethical, and reflective educators prepared to assume leadership roles in the profession and community. With a focus on learner-centered education, they are effective in educating a diverse learner population to high academic standards.
- College or University
- Charleston, SC
The teacher education program prepared me to empower students each day through differentiation techniques I gleaned from the amazing professors at The Citadel!
Lauren Roche
- Bachelor of Science in Teacher Education
- Master of Arts in Teaching Middle Grades
- Master of Arts in Teaching Secondary Education
- From 11 to 24 monthsProgram Duration
- In-person, Online, HybridProgram Format
- Apr. 15, 2023Application Deadlines
The bachelor degree programs in teacher education will allow you to obtain both an undergraduate degree and a recommendation for certification to teach. You can choose to specialize in one of the following content areas:
Secondary Education (grades 9-12); Social Studies Concentration; Biology Concentration; Chemistry Concentration; Physical Education (grades K-12); Modern Languages (grades K-12).
- From 11 to 24 monthsProgram Duration
- In-person, Online, HybridProgram Format
- Apr. 15, 2023Application Deadlines
Application Fee & Annual Tuition
In State Tuition
Out of State Tuition
Application Fee
Ways to Lower Your Costs
You may qualify for loan forgiveness if you agree to
- Teach in a high needs geographic area, and/or
- Teach a high needs content area as determined by SCDOE.
Work study and graduate assistantships are available.
For more information visit:Financial Aid Office
Chemistry (Grades 9-12)
French (PK-Grade 12)
German (PK-Grade 12)
Physical Education (Grades 9-12)
Social Studies (Grades 9-12)
Spanish (PK-Grade 12)
Program Semesters/Steps Overview
Program Hallmarks
- Male
- Female
- 73%
- 27%
- American Indian or Alaskan Native
- Asian
- Black
- Hispanic/Latino
- Native Hawaiian/Other Pacific Islander
- White
- Two or more races
- 0%
- 0%
- 5%
- 14%
- 0%
- 68%
- 14%


text:
I'm as bored as an Amish electrician.
I'm as bored as an Amish electrician.
The bidding was proceeding furiously and strong at the auction house when the Head Auctioneer suddenly announced: "A gentleman in this room has lost a wallet containing ten thousand pounds. If returned, he will pay a reward of two thousand pounds."
Benjamin listened intently as Rabbi Greenbaum read from the Bible. "May I ask a question?" Ben asked.
Betty was lying in bed one night. Don was falling asleep but Betty was in a romantic mood and wanted to talk. She said: "You used to hold my hand when we were courting..."
A woman went to the emergency room, where she was seen by a young new doctor. After about 3 minutes in the examination room, the doctor told her she was pregnant. She burst out of the room and ran down the corridor screaming.
The day after his ex-wife disappeared in a kayaking accident, Mr. Frykenberg answered his door to find two grim-faced State Troopers.
It's not how you win or lose...


text:
Growing the ScotEng membership through the pandemic
Scottish Engineering
Project outcomes
- Grew membership by 10% during the pandemic
- Increased revenue by estimated £130k
- The organisation's first positive cashflow in over five years
- ScotEng acquired of three national government funded campaigns
- Project lead Rail Cluster Builder
- Project lead Net Zero Skills Programme
- Project manager for the Forth and Tay Offshore (FTO) cluster
- Increased web traffic by 10% year on year
- Increased web traffic from all major acquisition channels
What I did
Brand management
Sub-brand logo designs
Marketing strategy
Data analysis
Document design
Webpage design
Following the successful rebrand and relaunch of the ScotEng website, I was asked to work with the marketing team to manage the growing brand.
The new image had helped secure new large scale government funded projects which led to an increased number of events and training programmes. The brand needed ways to communicate with their new audiences as well as strategies to grow the separate sub-brands that they needed to create.
Working with the marketing team, I was tasked with guiding that growth.
The focus
Before completing the ScotEng rebrand in 2019, I commissioned research into members, staff and key stakeholders to find what each group thought of the organisation. This research was the foundation of the comms strategy we have developed since 2020.
The research gave five focus points for member comms:
- Unify the look and language of all touchpoints across the web
- Show members the benefits of membership not just the services available
- Create sub-brands to differentiate large scale projects that only affect sections of membership
- Use website and email data to find most effective comms and marketing channels
- Use these channels to direct members to training and event sign-ups
Reshaping the comms culture
With a busy team, ScotEng were relying on familiar and easy to do comms processes. This left many brand and format decisions to the discretion of the team member sending out the messages. The inconsistent brand image and disjointed tone of voice gave the feel of a company unsure of itself. We created new comms processes that reduced the decisions making of the team while maximising how we could use the existing content.
I introduced web and email analytics into planning meetings to show the past efficacy of comms outreach. The data showed many emails and social posts were ineffective in driving traffic to the site. A further dive into specifics found at times the language was unrelatable, sounding like a corporate robot, and more often than not comms did not include a link to the website.
I reviewed all social channels to find how the brand was presenting itself. Brand language from before the rebrand was rife, imagery was inconsistent and many channels were devoid of any about the brand text. Posting was inconsistent and interaction from followers was close to nil. The brand's social following was high but was missing a human feel that would connect with the people the other side of the screen.
An additional dive into the email strategy found members received on average over 30 emails per month. Despite the deluge of messages, they had an open rate around the industry average, a huge positive. The click rates were low but this didn't prevent the new events and training being filled – to the team's mind comms were working.
When surveyed, members said they weren't sure how ScotEng helped them, from the comms strategies used it was clear why – to an average member ScotEng was a mailing list who told you about news and events. There were no links to a website, sporadic social posts and nothing to suggest there was a world of information available a few clicks away.
I changed this approach by introducing two questions to all planning meetings:
What are we trying to achieve?
How will we know we've done it?
If you can't name a goal and how you know you've hit it, anything you have planned is wasted time and money. Only by answering those two questions can we know time and money is being well invested and that members will benefit from it.
Showing a consistent brand image
Website data showed the main comms channels leading to the site were Twitter and LinkedIn. These were also the two getting the most interaction from potential members so we would focus on these and drop all others.
I wrote brand intros for the two channels, focusing on the purpose of the organisation's presence on the channel and what followers could expect. This outcome focused language was a major shift from the service based language of before – don't tell them what you do, tell them what it does for them.
We focused channel imagery on ScotEng's flagship industry report, the Quarterly Review, to show non-members a reason to join.
ScotEng's comms were split into four main categories
- Events and training
- Member only briefings
- Industry news
- The Quarterly Review
When rebranding ScotEng I had created image styles for each so the reader would know at a glance the type of info that was being shared. I formatted the image styles for the two social channels so relevant posts would have the same visual style on the site, emails and social channels.
This consistency of language and imagery was the foundation we'd build the new comms strategy on.
Being more visible to members by expanding offline touchpoints
Before the rebrand, members only saw ScotEng when they accessed the services they paid for or when it was time for their renewal. Events and training opportunities came by email but were mostly paid events – most interactions were ScotEng asking the members for something.
My aim was to change that feeling, to make membership feel like something to be treasured, like a club you want to be part of. To redress the balance, to be seen to give to members.
Brand research showed high levels of trust in the organisation, so we would lend members some of that credibility. Previously ScotEng sent new members a paper certificate each year.
You and I know, when you receive a paper certificate it goes in a drawer never to be seen again. So I created digital certificates to be displayed on screens in member's offices and waiting rooms. I paired this with a member's logo that companies could display on their websites to show they're part of the membership.
The impact of this kind of work is difficult to gauge but only by letting go of some control of how your brand is seen can the brand grow beyond what you know. With a small investment of time we improved what we gave to members when they renewed or signed up and increased the visibility of the ScotEng brand.
New ScotEng sub-brands I designed in 2021
New campaigns and sub-brands
In 2020/21 ScotEng secured contracts to lead major national campaigns, Rail Cluser Builder and Net Zero Skills Programme. These high profile opportunities would allow us to grow the membership by presenting the brand to a much wider audience. To keep the clarity of message we were creating with the main brand, we chose to separate the new campaigns from the main brand.
I designed a visual style for each campaign, both based on the main ScotEng brand. I created sub-sections of the main website for each campaign, with sections for info, events, catch up videos and downloads.
The online events from each campaign led to the creation of the ScotEng YouTube channel. I rolled out the brand's main style to the overall channel and created playlists of the new videos branded with each campaign's imagery.
Attendance to both campaign's events have been high and several attendees have subsequently signed up as ScotEng members.
The ads and banners for the new in-house programmes and events use variations on the main brand style
The Scottish Engineering Awards
September 2021 saw the first in-person Scottish Engineering Awards since 2019. It was also the first year the prestigious Hammermen of Glasgow award for best young engineer was being rebranded to the Young Engineer of the Year Award (YEYA).
We took the opportunity to bring both the event and the award into the ScotEng stable of brands. Both were modernised with the imagery behind YEYA updated to reflect the diverse range of engineers who were nominated.
The pandemic and digital first
Parts of the engineering sector in Scotland are beholden to old white man ideas of how things are done. Despite improving online comms channels, major ScotEng publications like the Employment Guide and the Quarterly Review were being printed and posted to members.
The flaws in this way of working were many, the cost of printing and posting, the inability to track how members are using the documents as well as increased lead times on time-sensitive publications. The pandemic presented an opportunity to trial a digital-first approach.
Quarterly Review
I designed a page template for the QR broken down in a similar way to the printed report. Key information was available at-a-glance with full data presented for readers who wanted an in-depth look at the quarter. I paired this with a new email style, giving just the key info.
Email opens are above the organisation average with clicks and page visits steadily growing. Though the change to online is not an unmitigated success, working with the data is showing how we can improve what we are delivering to members to give them what they want to see more quickly.
The Employment Guide
The Employment guide is a 600+ page document of up to date legal and HR advice. Every member receives a copy and it is hailed as a universal positive of membership.
The pandemic highlighted a flaw in the print and post system. After completing the 2020 guide in February, the UK went into lockdown. New laws were being created and furlough schemes and work from home policies were changing the relationships between employers and their employees. The printed guides were missing key information before they'd even arrived with members.
I proposed taking the opportunity to move the guides online, giving all members access through the website's member's dashboard. To encourage members to use the new format, I made the PDF guide easy to use, filling it with clickable contents pages and cross references that took you to the supporting information. The digital employment guide was more accessible and faster to use than the paper copy.
From ScotEng's point of view, they saved thousands in printing costs and could update the guide at any time, meaning it would never be out of date.
With ScotEng I have taken a blend of hard data-based decisions and softer brand awareness approaches. The work I have done has supported the organisation to grow its membership by 10% over the last year leading to an estimated additional £250k in revenue. This additional revenue has given the organisation its first positive cashflow in over five years – the realisation of a major goal of the 2019 rebrand.
The more consistent, reliable brand image we have presented helped ensure the organisation has been trusted with national government funded projects. Projects that are supporting Scotland to a low-carbon future – a key reason for me supporting the organisation.
These improvements are set against steadily increasing web traffic, up 10% year on year, as well as increased site entries from all major acquisition channels.
Into the future
As the brand has grown, its comms have become more focused on news and events. With this change in focus, those pages on the site needed updating to be more accessible. I redesigned both pages, incorporating the new news categories and giving visitors quick links to the most important projects ScotEng are delivering. The new pages will go live in 2022.
Do you want a brand that gets results for your business?
Enquire now and let's chat about the future and what we can create
Follow @OrwellMcG on Instagram
Every week there's advice for creating your brand, more pretty designs and regular nonsense.
Now doesn't that sound like something worth seeing?


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Framework for Energy Efficient Economic Development (FEEED):
To build the market for energy efficiency it is imperative to ease the financing of energy efficiency projects through different fiscal instruments. FEEED is designed for development of fiscal instruments to promote energy efficiency. The objective is to provide the comfort to concerned stakeholders through implementation of Energy Efficiency schemes such as Partial Risk Sharing Facility (PRSF) to provide partial credit guarantees to cover a share of the default risk that participating financial institutions face in extending loans to eligible Energy Efficiency sub-projects. SIDBI is Project Executing Agency for this programme. Each energy saving loans given by Participating Financial Institutions (PFIs) is partially guaranteed for a maximum tenure of 5 years with guarantee coverage ranging from 40-75% of the loan amount or Rs. 15 crore per project. Till date there are 12 banks/ NBFCs who are already empanelled with SIDBI for PRSF. For more information regarding this scheme please check their website http://prsf.sidbi.in/
To upscale EE financing, BEE is in process of designing new financing instruments under FEEED.
BEE's Facilitation centre:
Bureau of Energy Efficiency (BEE) has set-up a Facilitation Centre for encouraging and up scaling Energy Efficiency Financing in the country. The objective of the Facilitation Centre is as follows:
- To develop an online platform for connecting FIs with potential borrowers to mobilize energy efficiency financing;
- To collect the willingness forms and spread awareness of BEE's financing schemes among various beneficiaries like large industries /DCs under the Perform, Achieve and Trade Scheme of BEE, MSMEs, commercial and institutional buildings, Municipalities, Corporations, and commercial establishments; and,
- To prepare the list of energy efficiency technologies that will be uploaded on new IT platform and BEE's website.
IT portal of BEE's Facilitation centre has been launched on 28.11.22. Stakeholders interested in seeking financing for implementing energy efficiency measures are requested to fill up online willingness form and technical details forms on IT portal http://www.adeetie.beeindia.gov.in/
1.Brochure on Facilitation Centre
4. BEE's List of Energy Efficient Technologies for Financing


text:
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text:
click this image for video
click the image below for ALL
website-page navigation buttons
or scroll down to continue
website introduction
Go to Rabbit Hole Grand Central for links to all pages
Links to
more pages
that might
Have you ever wondered why
THERE ARE so many rules and
regulations for us to 'break'
AND WHY we get so many
fines/levys/fees charges/registrations
to pay ... and on they go.
Think about it - if the 'rules' was so important
to not be broken then we'd be warned about the rule.
But, not only are we NOT warned,
we often don't even know a 'rule' exists.
And, if one does, we're actually encouraged
to break it even unknowingly.
It's a TRAP - and you know it is.
Turns out, the 'system' is more concerned about
photographing us breaking a rule than it is
about preventing whatever the 'rule' is we're 'breaking'.
We have ourselves to blame for this
It's because, like robots,
we simply PAY THOSE FINES
without even thinking about why we should
even when there's no need to PAY THEM AT ALL.
It's an INDUSTRY that sucks the financial life
out of us without providing ANY service or benefit.
It's 100% PROFIT for whomever's running it.
It's a SCAM that we encourage and feed with
our SILENT COMPLIANCE
We've been
TRAINED ALL OF OUR LIVES to be SCARED OF
and COMPLIANT TO a system that's learned
how to look us straight in the eye
while it cleans out our pockets
This system has got us convinced that
if we don't pay up then it will come and 'get' us.
All to keep us poor and enslaved and in debt.
If YOU'VE HAD ENOUGH
of this robbery and decided it's time
to 'DO' something but wondered what.
If you want to 'grow a pair' and take on the system -
the information links on this page are 'for' you.
If you're actually in the situation
where they're 'coming after you'
and you got nothing to lose and everything to gain ...
you MUST read this/study this if
you want to turn from another victim to victor.
There's loads of links to videos and reference material
that shows you not just WHAT to do but HOW to do it
USING THE LAW to DEFEAT these robbers.
And, in reality, it's not that hard.
All it needs is for people to look straight back
at the system and squeeze BACK a bit.
End of the day, it's your choice
but if you do choose to do nothing
it will cost you - again and again
and, eventually, they'll take EVERYTHING.
Make no mistake, our ongoing compliance
and whimpering submission
will ONLY MAKE THINGS WORSE for us.
If we don't stand up to this robbery, then
EVERY DAY they're encouraged to invent
NEW 'RULES' for us to break
to keep the system's coffers
filled with OUR MONEY.
and don't care if you can't feed your family
or have nowhere to live
we have NO association with the authors of this information
which is here for education purposes only.
We found it - and reckon it's worth sharing
click image for link to Bitchute Channel
Bitchute Channel
click image for video
Before you decide to take on the 'system'
watch this discussion
Click image for video
AUSTRALIA and "Commonwealth of Australia" are not the same!
it appears that AUSTRALIA's border starts 200 Meters offshore and extends 200 nautical miles out to sea also including some islands, however, the Commonwealth of Australia is not "included" in the government's interpretation of what constitutes AUSTRALIA.
This may be happening in all western countries around the world. AUSTRALIA.
What Australia REALLY is
according to the
Australian Taxation Office
Click image for video
Where is Australia
What the government is hiding
Australia was sold to USA many years ago - but what was sold?
WHY are we paying tax to Australia?
WHERE does the tax go?
WHO is the tax being paid to?
WHAT is the tax used for?
The 'territories' or the huge lump of mineral-rich-dirt-with-no-name
surrounded by the locations listed.
Many of them couldn't even be listed as 'islands'
as they're not much bigger than bumps sticking out of the ocean.
Either way, more history that's been hidden
by the traitors posing as 'goverment'.
More skulduggery to screw us over
if it wasn't it wouldn't be a secret.
Click image for PDF
is FAKE
What the government is hiding
Australia that we know it to be
does not exist.
The following excerpt from the
Australian Taxation Assessment Act 1997
Section 960 5.05
Confirms 'Australia' is:-
Meaning of Australia
- (1) Australia when used in a geographical sense, includes each of the following:
- (a) Norfolk Island
- (b) the Coral Sea Islands Territory;
- (c) the Territory of Ashmore and Cartier Islands;
- (d) the Territory of Christmas Island;
- (e) the Territory of Cocos (Keeling) Islands;
- (f) the Territory of Heard Island and the McDonald Islands.
(1) Acts Interpretation Act 1901 provides that an
Act is taken to have effect in the coastal sea
as if the coastal sea were part of Australia
Offshore areas
(2) Australia when in a geographical sense, includes an offshore area
for the purposes of the Offshore Petroleum and Greenhouse Gas Storage Act 2006
Note 1: The offshore area includes all things located in that area,
including all installations and structures such as oil and gas rigs.
The area also extends to the airspace over,
and the sea-bed and subsoil beneath, that area.
Note 2: The offshore area includes the
exclusive economic zone and the continental shelf of Australia
Click image for video
What Includes Australia
Due to the events Re: the so called Corona Virus,
this has been urgently uploaded for the latest finds
in relation to what includes Australia and New South Wales.
click image for video
Infringement notices
Exposing the fine Fraud.
In this video the truth is exposed about the
fraudulent and criminal processes used by police
utilities companies – just about all levies .
click image for video Parking Fines
This is so much more!
Consent of the Governed.
It started as a dispute over a parking ticket,
it ended revealing the UK PLC COLOSSAL CORRUPTION.
800 years of "Law"
without the consent of the Governed (us).
For more, head over to the
Observation Deck Bitchute Channel
The Seven Principles of Public Life
LINK to Australia version
(Australia Public Service)
Vicarious_liability (Aus)
click image for video
Your house
or is it?
Exposing the banking Fraud.
In this video the truth is exposed about the
fraudulent and criminal processes used by banks
to supposedly lend money to purchase land and houses.
Do you really have a 'mortgage'?
How do you protect you hard worked for property?
All inquiries to
click image for video Mortgage Trap
Courtroom role play
Are you in a
Mortgage Trap?
Is your lender/bank about to foreclose?
Is a Debt Collection Agency
threatening you?
Here's what you can do.
This is so much more!
Consent of the Governed
Revealing the
in the
Banking/Finance industry
designed to rob borrowers
and steal their property.
click image for link to eBook
Defusing the Debt Bomb
Never be afraid of dealing with
debt collectors/agents again.
Detailed information in this e-Book
will help you turn the tables on
invalid claims and place the
burden of proof upon those
who are making the claim.
Complete with templates
and a detailed breakdown of them,
we are sure this will become the
"go-to" publication for those wishing
to free themselves of all invalid claims
of debt for the foreseeable future.
If you have any problems
getting your ebook email me directly:
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text:
Know when to fold 'em
Several years ago, I was playing craps at rwbola casino when the shooter went on a long, long run. After about 40 minutes without rolling a seven, I had about $750 I took off the table in front of me, and I had about $500 still sitting on the table from the numerous times I pressed my bets or let it all ride.
In the middle of the pandemonium at the table, I had a funny feeling. Despite the euphoria around me, I felt it was time to leave and just play at a VeryWell casino without Gamstop. Before I could think more about it, I found the words coming out of my mouth, "Please, take down all my bets." Some of the people at the table ridiculed me, and everyone else thought I was insane.
It took two rolls for the pit boss to color me up; both were winners, and the gamblers at the table now openly laughed at me. I grabbed my $500 worth of chips and added it to the $750 I already had. Before I could turn away, the shooter rolled a seven, and a huge groan resounded across the casino. One of the players pointed at me and said, "He did it." I looked at the $1,250 in my hand, smiled at him, and walked away.
When people are caught up in the excitement of the moment, or when they've been doing something out of habit for a very long time, it isn't easy to decipher the signs that it's time to quit — and it's even harder to act on those signs. So what's the point of this story?
It's time for me to stop writing daily about the real estate market.
A difficult decision
I am a minimalist when it comes to possessions. Over the years, I threw away more and more stuff until now I am down to the essentials that I use every day. I have one indulgence that serves no practical purpose in my life: I have four framed prints that represent my achievements in life over the last 30 years.
Two of these items are my diplomas from college, the achievement of my 20s; one is the frame of the golf magazine that featured the golf course I designed in Florida, Mystic Dunes, the achievement of my 30s; and the final one is the book cover of the Great Housing Bubble, together with this blog, the achievement of my 40s.
I recently wrote Reflections on 10 years of blogging. I started blogging two weeks before my 40th birthday, and now, two weeks after my 50th birthday, I realized I am ready to move on. I blogged every weekday for 10 years, published a book, saved many people from buying during the bubble, and directed many others to buy investment properties at the bottom of the market. Whenever I look at the framed print of the book, I feel pride at those accomplishments.
Perhaps it's ego and I should let go of my prints — and perhaps someday I will — but for now, I will keep my reminders of my accomplishments as I move on with my life.
When I thought about why I keep writing, I realized part of it was emotional attachment. The urgency to educate people about the volatility in the housing market is gone. I enjoy the comradery of the astute observations, and I enjoy the act of writing itself, but I don't feel I have anything more I can accomplish with this blog, so it's time for me to leave.
Going out with a bang
I don't know exactly how I want to end things here. By far the best ending to any blog was the way Keith said goodbye at Housing Panic (And then, on the 5th of November 2008, three years and one historic worldwide housing crash later, HousingPANIC came to an end.) He left on top at the height of his popularity. He recognized the signs, so he picked up his chips and walked away.
I don't think I will go out like Keith. Instead, like Douglas MacArthur, I will just fade away.
Ongoing Content
I will stop writing about current events in the real estate market. However, I do have an extensive library of timeless posts that I will repost, and I will also post more frequent updates on the real estate market from the housing market reports I publish. As long as it remains viable, I will maintain frequent posts and participate with any comments.
I want to thank you for your ten years of readership.
Larry Roberts


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text:
Riding a two-wheeler has always been synonymous with the outlaw spirit and the freedom to skip town, enjoy the open road, and escape the shackles of a boring desk job. Of course, that doesn't mean that all bikers are gang members and uneducated rednecks with long beards.
Today's riders consist of a diverse pool of personalities that encompasses everyone from brand loyalists to couples of retirement age. And then there are the newbies. If you're buying a motorcycle for the first time, things can get a little confusing, and you're going to need help picking the right leather, rubber, and metal.
The following guide tells you everything you need to know to choose the right motorcycle that fits your style.
How to Buy a Motorcycle — The Essentials
Experienced bikers will tell you that buying a two-wheeler is nothing like buying a car, for example. The millions of Americans who buy cars every year aren't thinking about the same things as someone who is buying a bike, and they generally don't have to look far for a good deal. Here are a few basic things you need to consider when buying your first motorcycle.
Choosing the Right Type
It goes without saying that you need to learn how to be constantly vigilant about road conditions and other drivers before you can choose the right bike. When making your pick, you should find a motorcycle that's affordable, easy to ride, and has a suitable design.
It's also important to consider what you plan to use the bike for and your level of experience with riding.
Here's a general breakdown of the different bikes available:
Standard Motorcycles
These general-purpose bikes combine an upright seating position with a handlebar that's placed at a comfortable distance from the rider. As a first–time motorcycle buyer, you should know that these are probably the best option for beginners and everyday commuters who are looking for inexpensive offers. Some of the most popular models in this category are the Suzuki SV650 and the Honda Nighthawk.
Touring Motorcycles
These bikes are built for longer commutes and typically come with saddlebags and fairings to block the wind. They have large fuel tanks and a comfy seat for a relaxing riding position. These are a great option if you're into continent-cross touring. However, if you just want something to get around town, a touring bike isn't the way to go.
If you're buying a motorcycle for the first time and looking for something from this category, chances are, you'll come across BMW R 1200 GS and Honda Gold Wing models, as they are among the most popular and trustworthy tour bikes.
The first brand that comes to mind when we're talking about cruisers and classic American aesthetics is Harley-Davidson. The soft and comfortable suspension, laid-back riding position, and the soul-satisfying rumble of its V-twin engines are hard to beat. These bikes are usually on the heavier side and often weigh more than 500lbs, making them somewhat intimidating for new bikers. If you plan to buy your first motorcycle from this category, just remember that some of the models are more suitable for taller and bulkier individuals.
Some of the more prominent names in the cruiser category include Yamaha V Star 1300 and the Harley-Davidson Sport Glide.
Sport Motorcycles
These are high-performance street machines that are great for those who are constantly chasing their next adrenaline rush. The bikes have fairings that reduce the aerodynamic drag, powerful engines, and a forward-leaning riding position.
Buying a street bike from this category makes sense for experienced riders who are comfortable managing acceleration and high speeds. But this isn't a great investment for those who are just starting out and/or want to save on insurance.
Sports bikes with outstanding performance include the Suzuki GSX-R1000, the Kawasaki Ninja, the Honda CBR, and the Yamaha YZF-R1.
Dual-Sport Motorcycles
These are lightweight motorcycles with stiff suspension and sturdy tires that are ideal for both on and off-road use. Your height can be an important factor when choosing a dual-sport bike because you won't always find a low seat height.
Most motorcycle buying guides echo our sentiment that these machines are ideal for taller riders who like off-roading. That said, dual-sport bikes have relatively small engines and are better suited for tight trail rides rather than long-distance touring.
If you're looking for a good dual-sport ride, check out the Kawasaki KLR650 or the Suzuki DR-Z400.
Get the Legal Stuff Out of the Way
Before you can start developing your riding skills, you need to get legal permission to use and own a motorcycle. Individual states have their own licensing requirements, but most require you to have a license or endorsement to operate a motorcycle legally.
Regardless of where you live, getting a motorcycle license isn't a complicated process. It typically involves a road test supervised by an official from your local DMV. If you already have a regular license, you can skip the written road rules exam. The fee for a motorcycle license is usually less than $20.
Before buying a motorcycle, you'll want to get the necessary safety gear too. It goes without saying that you'll need a helmet, but it's also highly recommended that you get a thick leather or ballistic nylon motorcycle jacket with protective armor in crucial body parts like the spine, elbows, and shoulders. Armored gloves and high boots that protect your ankles are also a smart investment.
Important tips on buying a motorcycle typically extend to the significance of protective gear. Generally speaking, your best bet is to get a quality helmet that has all the necessary safety features. That should be your first concern. Once that's out of the way, you can focus on different designs that complement everything from the type of bike you're riding to your beard style.
New or Used?
Most motorcycle buying guides highlight the dilemma over new and used bikes. First things first, if you're a greenhorn rider, it's okay to be a bit scared of running into mechanical problems. If that's the case, you should probably stick to new bikes because you're less likely to face problems as long as you maintain them properly.
Additionally, new bikes enable you to choose between different colors, accessories, and of course, you're getting a ride with no miles on it.
On the other hand, getting a new motorcycle from a dealership costs more money. Moreover, your expenses will increase further with insurance and regular maintenance costs.
Getting a used ride can definitely save you some cash, and you have a huge market to browse. You can look for sweet deals from online platforms like eBay Motors or Craigslist. Also, some dealerships sell great used bikes with a warranty.
When buying a used motorcycle, there are a few crucial factors you'll have to consider. Beginners should definitely stay away from bikes with any kind of visible damage. Also, they should look for a low mileage ride from owners that have verifiable service histories.
Obviously, make sure that the bike starts and runs and have the bike inspected to ensure there aren't serious mechanical problems. Lastly, if you're taking the used bike route, bear in mind that you might have to invest more money into minor repairs as well as replacing worn-out tires.
Be Reasonable with Power
If you're thinking about buying a motorcycle, you've definitely thought about power and performance. For seasoned riders, this isn't that much of an issue since they more or less know their limits and capabilities and choose a ride accordingly.
For newbies, we recommend modesty. Oftentimes, 600cc bikes will have more power than you'll be able to use. Getting small-to-medium displacement bikes (500cc and below) is a great way to start and work your way up from there.
Bike Weight and Seat Height
When you're getting a motorcycle, be sure to choose a model that enables you to plant both feet on the ground. This gives newbies more confidence and helps them get over their fear of dropping their motorcycle at a parking lot or at a traffic light. Also, being able to comfortably put down both feet is far safer than one shaky foot, especially if you have a heavy motorbike.
When it comes to weight, the general rule is: the larger the displacement, the heavier the bike. But that's not always the case. If you ask us what to look for in a motorcycle, we would definitely recommend buying a bike that isn't heavy and is easy to use. As a beginner, you should never go overboard with the size and weight.
Getting a Used Bike
The following section delves deeper into some of the essential components you need to look at before pulling the trigger on a bike purchase.
In addition to the aforementioned lower price, there are two key reasons to buy a used bike:
- For starters, you don't have to be too concerned about any potential damage when buying a motorbike that's already been used because you aren't investing a great deal of money. This is important for new riders who are bound to drop their ride at least once.
- When you decide to sell your ride, you'll have a much easier time than someone who worked hard on getting a motorcycle loan for a new bike and has to worry about getting enough money to pay it off.
Bring Along a Friend
If you're dealing with a tough seller, it's always a good idea to bring a friend or a family member along, especially if they have experience with riding motorcycles. If you have a friend who happens to be a bike mechanic, he or she will be able to spot and point out any problems with the motorcycle right off the bat.
Inspecting the Bike
Among all the important tips for buying a motorcycle, this one is absolutely imperative. Inspect the bike, and don't be afraid to take your time and get your hands dirty. Also, before you even start looking at ads, do your research on the brand, type, and model you are looking to buy, just like you'd do with a surfboard, camera, or any other product. Make a list of known problems, prepare a few questions, and don't be afraid to ask your seller. Be thorough and get to know your future bike before you make the payment.
Make Sure the Legal Stuff Checks Out
First of all, we advise against buying a motorcycle without a title. You might get a cheaper deal, but getting it back on the road can be a real hassle.
If you're getting one with a title, make sure that the VIN or vehicle identification number checks out both on the bike and on the title (they should be the same).
Next up, make sure that your potential future bike isn't stolen. To do this the right way, run a swift check with the DMV or the local police to verify that the motorbike you're seeking to buy is legally registered to the individual selling it. These motorcycle buying tips might make you a bit uncomfortable, but you don't want to hit the streets with a stolen bike.
You also need to make sure that there aren't any liens on the bike. If you see "released" signatures in front of the bike title, look elsewhere.
Having a lien on the bike basically means that the seller still owes money for it. While you can work around this, your best thing to do is to stay away from paying cash to the seller, as you'll also be the one paying the lender.
How to Buy a Motorcycle — Sealing the Deal
If everything checks out, you should write up a bill of sale. This document should include the necessary info about the seller, buyer, and the bike. It should also have the price, model, VIN, and even the milage. Both the buyer and seller should sign the document, along with the seller signing the back of the title.
It's also important to know that the seller is legally required to disclose any information about accidents or significant damage that was repaired. When discussing everything to know about buying motorcycles, these are areas you can't afford to overlook. Once the deal is sealed, the seller can't be held responsible if something breaks down as soon as you get on the bike. Everything becomes your financial responsibility.
When it comes to the sales tax, you'll be paying it directly to the state when you register the bike. The dealer cannot charge you a sales tax.
How to Buy a Motorcycle — Other Considerations
Don't be surprised if the seller doesn't let you test drive the bike. In many cases, sellers don't have insurance to cover the test ride damage. Also, you shouldn't ride the bike before it's properly insured and registered in your name. You'll most probably have to attach it to a trailer to take it home after the purchase. Lastly, when buying a used bike, it's always a good idea to take in for a tune-up.
Buying from a Dealership
This motorcycle buying guide wouldn't be complete without talking about ways to get a brand new set of wheels. Of course, you can buy both a new bike and a used one from a dealership. They can also come in handy if you're in the market for a specific model and you don't have the time to browse ads for other deals.
Also, a dealership can offer attractive low-interest financing options. This gives you flexibility when paying off the bike, but it might not be available if your credit score is on the lower end.
If you're trying to figure out what you need to know before buying a motorcycle, remember that you often get warranties with a dealership purchase (sometimes both with used and new bikes), which is a great option for new riders.
For the most part, these warranties cover mechanical repairs. On the other hand, things like brakes, tires, and filters aren't normally covered by the warranty.
Motorcycle Buying Costs
Other things to know when buying a motorcycle include price estimates. The price depends on the type and the condition of the bike.
To get the best possible deal, you should take your time and do your homework on particular models you're interested in. Make sure to read reviews, compare prices, and educate yourself on potential problems.
When looking at ballpark figures, we can say that used rides will typically start from a few hundred bucks, while a new bike can start at around $3,000.
The real costs of owning a motorcycle will be a bit higher since you'll have to pay for insurance, license fees, riding gear, and maintenance.
Insurance Costs
Florida, New Hampshire, Washington, and Montana are the only states that don't require motorcycle insurance. Everywhere else, the exact cost of the insurance depends on individual states, your age, gender, driving record, credit score, the bike you're riding, and other factors.
One thing's for sure: bike insurance is more affordable than car insurance. The national average coverage costs are around $519/year.
Riding Gear Costs
Purchasing a motorcycle is only half the process. Even though many states will allow you to ride without a helmet, it goes without saying that you should still wear one. Helmets approved by the Department of Transportation start at around $100, and wearing one can make the difference between life and death. Other protective gear is also highly recommended. All in all, you should roughly expect to pay around $400.
License Costs
When discussing what you need to know when buying a motorcycle, we've already touched on licensing requirements. This also depends on your location, but in most cases, you'll have to complete a state-approved safety course to become a legally licensed motorcyclist. These courses can cost you around $200 but will help you with grasping the basics. You'll also have to pay additional fees to your state's DMV to get the actual license.
By now, you should have a pretty good idea on how to buy a used motorcycle. Remember to look for bikes that suit your riding experience as well as your body type and build. If you're a beginner, don't worry too much about things like the engine size, acceleration, and top speeds. And if you're buying a used motorcycle, don't be shy about inspecting it thoroughly.


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Today I won $1,925,000.00. Yesterday I won $1,900,00.00. How awesome it is to consistently win. Too bad I'm not going to send them the nominal processing fee of $27.99 or the Check Amount Confirmation Data fee of $29.99, so I do not get those monies. Check out this verbiage, though:
This communication is being made directly to you at your known address of record. We are pleased to announce and confirm that you may receive the MFS Entry Notification Directives for an amount in excess of $1,925,000.00 Dollars. Please treat this urgent time-sensitive notification with the utmost priority. Your response is required to initiate full delivery of the Confirmed & Guaranteed Entitlement Disclosure Report in excess of $1,925,000.00 Dollars from Mueller, Franks, & Smith directly to you. IMPORTANT: This announcement is real and accurate in every way. Do not delay!
My coat is all clean now, and happily restored to my closet. Yay it.
Today I still had my headache, but it was less than yesterday, and I made mad progress on item. I shall type things up now.


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Ground floor fully renovated furnished 3 bed 3 bath townhouse in Pinelake. Full impact Glass, porcelain tile, upgraded appliances, open concept floor plan with water views. Location! walking distance to Club house. ~ Imagine life inside the Nation's #1 Private Residential Country Club Lifestyle offering resort-style living. Conveniently located less than 10 minutes from downtown Boca Raton. PLAY our 4 Golf courses, 27 Tennis courts and 15 Pickleball courts; SHOP our retail store, golf and tennis pro shops, DINE in our 7 restaurants. Spend the day RELAXING at our 5-star fitness center, pool, spa and salon. ENJOY endless activities in over 400,000 sq. ft. of exceptional amenities & stellar service. Mandatory $90,000 Club Membership joining fee and annual required social dues of $18,040.
Listing courtesy of Boca West Realty LLC. Contact:


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After announcing that he was retiring due to being HIV positive in November 1991, Los Angeles Lakers legend Magic Johnson tried to make a comeback the following year during training camp. However, he backed off due to players around the league fearing they could contract the virus from him.
But by 1996, much progress had been made in the fight against HIV and AIDS. The fear and ignorance, not to mention the associated stigma, surrounding it and its victims were starting to subside.
Johnson suited up once again for the Purple and Gold in late January of that year.
At age 36 and packing more weight than he used to, he wasn't as transcendent as in the 1980s, but he was still a very good player.
In his second game back, Johnson went up against Michael Jordan and the Chicago Bulls, who were in the middle of winning a then-NBA record 72 games on the season.
The Bulls humbled the Lakers that night, 99-84, and according to Johnson, Jordan threw some shade at him that was disguised as advice.
Via Lakers Daily:
"Michael, after that game, he pulled me aside – I don't think I've ever told anybody this," Johnson said. "He met me in between the locker rooms, and he said, 'Earvin, you have to remember now, you're not with Kareem [Abdul-Jabbar], you're not with James Worthy. All the guys you used to play with, Showtime, are not on that Laker team anymore. So remember, maybe you should think about retiring."
Once Johnson returned to the court that season, the Lakers played very well, but there were clearly not the dominant and feared squad they were in the mid-1980s when they were probably the greatest team in NBA history.
If Lakers fans were dreaming of another Johnson-Jordan romp in the NBA Finals (they met there in 1991), they were greatly disappointed when the team instead went out meekly in the first round of the playoffs against the Houston Rockets.


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Our friends, DeAnne and John, had left – but we stayed a few more days to hike in Centennial, Wyoming. We asked around for recommendations of a… Read more "Best hike in the Snowy Range — simpletravelourway"
Tag: Wyoming
Share the National Parks with Your Toddlers
For a short time, I'm offering my children's book, Explore Your National Parks, beginning March 5th for $1.99. Original price is $8.99, so don't miss out on… Read more "Share the National Parks with Your Toddlers"
Meander Grande
The featured photo is the Rio Grande as it goes through the San Luis Valley. I didn't take this picture. It's from the Western Rivers Conservancy. The… Read more "Meander Grande"
Limited Time Promotion-Only 10 Prints Available, Grand Teton NP
I'm offering this print at a limited time mark down. Offer can be found HERE Great gift idea for birthdays, holidays, anniversaries, or simply a great way… Read more "Limited Time Promotion-Only 10 Prints Available, Grand Teton NP"
The Grand Tetons – Jet Eliot
Located in Wyoming, this mountain range began forming 6-9 million years ago. The Tetons are the youngest mountains in the Rocky Mountain range. It is a unique… Read more "The Grand Tetons – Jet Eliot"
Medicine Bow – Nature Has No Boss
Looking up towards Medicine Bow Peak in the Snowy Range on a blustery, and blustery might be an understatement, fall afternoon. Medicine Bow National Forest, WY. via Medicine… Read more "Medicine Bow – Nature Has No Boss"
New Bill Would Sell 3.3 Million Acres of Public Lands
There is a new bill in the United States Congress that would sell off 3.3 million acres of public lands. Utah Rep Jason Chaffetz, yeah that guy,… Read more "New Bill Would Sell 3.3 Million Acres of Public Lands"


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¡Únete a la tendencia del color, elige tu favorito y combínalo como más te guste!
El Collar Piedras Cuarzo Verde es ideal para llevarlo sólo como un básico. Combinable con cualquier otro tipo de collar, ya sea que lleve circonitas, liso o con piedras. O añádele tu charm favorito, es genial para poder personalizártelo y hacerlo tuyo y único.
- Medida Collar: 36cm ampliable hasta 43cm
- Tamaño Piedras: 2x4mm
- Acabado: Plata de Ley 925 y Plata Bañada en Oro de 18k
- Modelos Disponibles: Cuarzo Naranja, Verde Lima, Fucsia, Amarillo, Lila, Verde, Coral, Azul y Multicolor
Can I exchange or return the jewelry?
Yes, we accept exchanges and returns within 14 days from receipt of the jewelry.
To request the processing of a change, write us an email to firstname.lastname@example.com.
Shipping all over the world.
- EUROPE: 2/7 days MBE (UPS) € 13.90 | GRATUITOUS > 150 €
- USA and Canada: 7-20 days | € 29.90 | GRATUITOUS > € 250 | MailBoxes UPS
- Latin America, Asia, Australia, Central America: 7-14 days | € 39.90 | UPS
What are the payment methods available?
You can pay for your order by credit and debit card and PayPal.
We work together with Aplázame, a payment method divided into comfortable installments or cash on delivery in 15 days after receiving them.
If you prefer, we also have the option of bizum or cash on delivery (For this you must contact us through WhatsApp)
Can I get my jewelry wet? What material are they?
Our jewels are of the highest quality, made of 925 sterling silver. The golds are baths and plated in 18k gold. The stones are semi-precious and natural minerals.
As for the care of the jewels, the Silver 925 silver jewels can be wet, practiced sports and shower without problem and they will last a lifetime. If they darken, with a chamois or cloth they shine again.
Those that are bathed in gold we advise not to do so, since direct contact with water, friction, aggressive liquids such as alcohol, cream, perfumes, chlorine water, etc ... cause the intensity of the gilding to decrease.
Gold is created by a Gold coating that is applied to Sterling Silver, which in its essence is silver, for this reason if we do not want the Gold coating to fade, we will have to take special care of them :)
If you have previously taken baths, you will know the approximate duration according to the Ph of your skin of the intensity of the bath. There are people who last for years like the first day!
Super easy: Just follow the steps! If you have questions, tell us and we will help you.
- We need to know what inside diameter measure a ring that suits us well on the finger we want the ring. (or it goes well to whoever we are going to give it to)
- We will always calculate with millimeters and with a ruler to be precise and be able to avoid errors when placing our order: We put the ring on top of the ruler and measure the interior (see photo) (the beginning at the beginning of 0)
- Always keep in mind that not all fingers are the same size, (There is usually 1 size difference per finger).
SIZE 10 equates to an inside diameter of 16mm (1.6cm)
SIZE 12 equates to an inside diameter of 16.6mm (1.66cm)
SIZE 14 equates to an inside diameter of 17.2mm (1.72cm)
SIZE 16 equates to an inside diameter of 17.8mm (1.78cm)
SIZE 18 equates to an inside diameter of 18.5mm (1.85cm)
Talk later? 931297140 Fixed and Whatsapp!


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We recorded this like one hour before Andrew Cuomo resigned but we probably wouldn't have done anything differently anyway. Don't come to us for Andrew Cuomo takes.
We went into the other news of the day, including COVID, mask mandates, the IPCC report, Proud Boys culture and your own righteous anger.
Podcast: Play in new window | Download
Subscribe: RSS


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Commissioner Philip Cousin decided to hold a news conference Tuesday to clear the air. The commission came under heavy scrutiny after the 3-2 vote to fire Ruffin.
"The manager has demonstrated an unwillingness to accept responsibilities for his actions and has shifted blame to employees and others when problems have arisen in the organization," he said. "The manager has lost the respect and trust of the majority of department heads because of an inability to make sound management decisions and exercise good judgment."
Cousin went on to criticize Ruffin's handling of an audit in the Human Resources Department. County Commissioner Becky Heron took offense to what Cousin said about Ruffin.
"That is not correct. That is not Mike Ruffin he's talking about," she said. "He's fair and he certainly has looked out for the employees."
Ruffin has said his firing was wrong and not justified.
"I think the right thing to have done in the very least would have been to let me know it was coming. No one did that," he said.
Even though the vote was split among racial lines, Cousin said the decision was based on his performance.
Two commissioners who voted to fire Ruffin are leaving the board. Voters will elect their replacements in November. It is possible that the new commission could vote to rehire Ruffin as county manager.
• Credits
Copyright 2023 by Capitol Broadcasting Company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Business Information for Penn Taproom
The Penn Taproom offers a varied menu of appetizers, sadwiches, burgers, and entrees, in addition to a rotating draft selection and full bar. Happy hour is restaurant-wide Monday thru Friday 4:30-6:30pm and Sunday 3-5pm, offering both food and drink specials.nnThe 2nd floor dining room seats about 40 people for a la carte dining, and can be booked for any occasion like business meetings and holiday parties.nnThere is a beautiful garden with patio seating for about 70 people in season.nnThe Penn Taproom is the sister restaurant of the Pennsylvania Soup and Seafood House in the Main Street Marketplace in Doylestown. Together, the two restaurants offer full service catering, both on and offsite for any occasion.
Contact Information for Penn Taproom
- Business Email:
- Phone: (215) 230-7299
- Website: http://penntaproom.com
- Address: 80 W State St, Doylestown, PA 18901
Trust Factors for Penn Taproom
- Verified on Yelp? Yes
- Paid Advertising on Yelp? No
- Last Rating on Yelp? 3.0 out of 5.
- Credit Cards Accepted: Yes
Business Hours for Penn Taproom
Mon 11:00 am – 12:00 am
Tue 11:00 am – 12:00 am
Wed 11:00 am – 12:00 am
Thu 11:00 am – 1:00 am
Fri 11:00 am – 2:00 am
Sat 11:00 am – 2:00 am
Sun 12:00 pm – 12:00 am


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Get in Touch
Have a question about a pattern, a specific stitch, an idea for a new pattern that you'd like to see? Or maybe you just want to chat about embroidery? I'd love to hear from you!
Send an email to firstname.lastname@example.com or fill out the form below.[ninja_form id='1′]


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SRD:Dancing Lights
|This material is published under the OGL
|Evocation [Light]
|Bard 0, Sorcerer/Wizard 0
|Casting time:
|1 standard action
|Medium (100 ft. + 10 ft./level)
|Up to four lights, all within a 10- ft.-radius area
|1 minute (D)
|Saving Throw:
|Spell Resistance:
Depending on the version selected, you create up to four lights that resemble lanterns or torches (and cast that amount of light), or up to four glowing spheres of light (which look like will-o'-wisps), or one faintly glowing, vaguely humanoid shape. The dancing lights must stay within a 10-foot-radius area in relation to each other but otherwise move as you desire (no concentration required): forward or back, up or down, straight or turning corners, or the like. The lights can move up to 100 feet per round. A light winks out if the distance between you and it exceeds the spell's range.
Dancing lights can be made permanent with a permanency spell.
Back to Main Page → System Reference Document → Spells → Bard Spells
Back to Main Page → System Reference Document → Spells → Sorcerer/Wizard Spells


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Notice: The Discovering Chinese Volume 2 Workbook (Simplified) is currently out-of-stock and will be available starting October 2008. View our Discovering Chinese Volume 2 Online Homework here. The online exercises and homework are available in both Simplified and traditional Chinese.
The Discovering Chinese series contains a set of workbooks specifically designed for beginner-intermediate level students, grades 6 through 12, who are learning Chinese in non-Chinese speaking communities and consists of Volume 1, Volume 2, Volume 3, and Volume 4. View our Discovering Chinese Volume 2 Online Curriculum here. The online curriculum is available in both Simplified and traditional Chinese. An interactive app optimized for the iPad is available here.
Features: · Accompanies Discovering Chinese Volume 2 Student Book. · Includes focused chapters on writing exercises, vocabulary review, and word games to challenge students. · Tear-out word flash cards included. · Exercises and integrated activities build upon the lessons in each volume.
13. She Likes The Red Backpack 她喜歡紅色的書包
14. What is He Wearing Today? 他今天穿什麼?
15. Her Eyes Are Very Big 她的眼睛很大
16. I Like Sports 我喜歡運動
17. What Pets Do You Have At Home? 你家有什麼小動物
18. We Go To School By School Bus 我們坐小車去上學
19. How Can I Get There? 怎麼走?
20. How Much? 多少錢?
21. I Can Speak Chinese 我會說華語
22. Today Is A Nice Day 今天天氣很好
23. Which Animal Has A Long Nose? 什麼動物鼻子場?
24. Comparisons 比一比


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Delphinium (Larkspur) is a beautiful dried flower. It's the perfect touch for each season and special events as weddings or decor your house with elegance.
Remember our dried flowers are eco-friendly, delphinium (Larkspur) is not the exception.
Available in 3 colors: Dark blue, Pink and White.
Size : 35cm approx.


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Located in Alice Town, Bay Inn Estates features a bar, garden and terrace. All rooms feature a kitchenette and a private bathroom.Info & Prices
Boutique out island resort with marina and dive shop is located on the eastern shore in Alice Town. An on-site restaurant and free Wi-Fi are also...Info & Prices
Offering an infinity pool with stunning Marina views, Hilton at Resorts World Bimini is located on the beach in North Bimini.Info & Prices
Bimini Seaside Villa is situated in Alice Town. This beachfront property offers access to a terrace, free private parking and free WiFi.Info & Prices
Tree House 210 is a stylish 2-bedroom house located in the Bimini Islands, Bahamas.Info & Prices


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When you shop at online thrift store, you are helping homeless veterans, poor seniors and struggling families rebuild their lives. The proceeds from your purchases support life-changing programs and make a difference in your community.
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Do you have unwanted items in your house? Donate your stuff to Volunteers of America Michigan. Every little bit counts. The clothes you don't wear anymore, those pots and pans taking up space in your cabinets, well, somebody wants to buy them, and that money will go directly to someone in need.
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