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This beautiful&spacious home tht sits on .61 acre corner lot. Home sits on top of a gentle hill surrounded by wooded land. This 4bed 3bath home has ample space for entertaining throughout main level. Take your parties & gatherings indoors&out. Home equipped w/ a wet bar, pool table turned dining, along w/ 2 outdoor areas to the right&left. Home has handcrafted outdoor kitchen w/ spit perfect for whole hog BBQ and celebrations. Be ready to embrace the warm, charm&character of this home. Community amenities w/ lake access
Electricity Available, Water Available
Driveway, Garage, Garage Faces Front
Tray Ceiling(s), Wet Bar, Other
Dishwasher, Double Oven, Gas Cooktop, Microwave, Refrigerator, Washer, Other
Back Yard, Corner Lot, Front Yard, Sloped, Wooded
Listing Provided Courtesy Of: Kdh Realty, Llc.
Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please click here to review our DMCA policy and learn how to submit a takedown request. © 2019 FMLS
For issues regarding this website (and/or listing search engine, as applicable) please contact Real Estate Webmasters - 250-753-9893
Listing information last updated on August 18th, 2019 at 3:45am EDT.


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Considering which pop-ups make the leap to a full-time restaurant, this was probably inevitable.
Perhaps you've tired of walloping your friends at Halo, or the appeal of spending every Saturday night calling Lyfts outside of DNA Lounge at 2:30 a.m. is rapidly diminishing.
Archives |
This just in from our favorite news source. The Onion. Photo courtesy of the Onion.
Tags: american apparel, the onion, Image

subset: commoncrawl


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Glass pumpkin sale returns Saturday
Traditional fall fundraiser features unique hand-blown favorites for picking at Polisseni Center
An annual fall tradition returns to Rochester Institute of Technology this weekend when this year's fall crop of one-of-a-kind glass pumpkins and other favorites are ready to be picked on the university's campus.
The School for American Crafts' (SAC) glass program in RIT's College of Art and Design will sell its unique, hand-blown glass pumpkins and gourds during the 14th annual Glass Pumpkin Patch fundraiser. This year's sale will take place from 10 a.m. to 2 p.m. on Saturday, Oct. 13, in RIT's Gene Polisseni Center, located on the south side of campus.
Students from SAC's glass program have created the colorful hand-blown glass pieces. Attendees are asked to support the "green" effort and bring their own bags for purchases. Cash, checks and major credit card payments will be accepted.
All proceeds from the sale will benefit the RIT Women's Council Scholarships, Bridging the Gap Fund, and the Visiting Artists Series for the RIT glass program.
Recommended News
August 23, 2019
RIT professor named to IAspire Leadership Academy
Blanca Lapizco-Encinas, professor of biomedical engineering in RIT's Kate Gleason College of Engineering, was named a Fellow in the inaugural cohort of the I Aspire Leadership Academy. This leadership program aims to help STEM faculty from underrepresented backgrounds attain leadership roles at colleges and universities.
August 14, 2019
'Fall in love with the problem not the solution'
BBC features Sean Petterson '13 (industrial design), CEO of StrongArm Technologies.
August 7, 2019
RIT helps visitors to Bethel Woods museum mark Woodstock's iconic moment in music history
Six recently graduated motion picture science students from RIT's College of Art and Design wove together the captivating videos for a museum exhibit at the Bethel Woods Center for the Arts, the nonprofit cultural center located at the National Register Historic Site of the Woodstock festival in Bethel, N.Y.
August 6, 2019
Behind the lens of famous photos
You do what? From accountant to the stars to sustainable chocolate producer, RIT alumni have some pretty cool careers. Read about Pari Dukovic '06 (professional photographic illustration), a former staff photographer for The New Yorker who now takes commissions from publications all over the world.


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What's The Best Dating Site For 40+
What's The Best Dating Site For 40+
Social networking as well as online dating is currently the hot trend and many people are turning to internet dating sites to find buddies, romance, love and links. Many individuals are a lot more comfortable with dating online, considering that some of them could be reluctant and have a concern of one-on-one being rejected. This is just one of the reasons why net dating has actually come to be so popular nowadays.
With the surge of web and also adjustments in modern way of livings, net dating has ended up being very popular among daters of every ages. Due to hectic life schedules, people have moved to chat rooms and professional dating services to discover their life partner. The web dating market has been continuously expanding, also during the global recession and economic downturn.
Traditional methods of dating such as conference in bars and restaurants are very costly contrasted to on-line dating. And also individuals can currently reach as well as fulfill way more people with web dating services after that through any one of their networks and also good friends. This is one more reasons that web matchmaking solutions are coming so popular.
These online professional dating services match clients based on metrics such as education and learning, profession, hobbies, as well as worths. These sites also perform personality examinations to recognize the perfect suit. Thus with the help of science, these sites guarantee to give long-term relationship.
Though the understanding of dating online has actually been changing, there are still some individuals that are humiliated to be connected to discovering romance via site dating services. Although also those groups (like older, separated individuals) are now starting to heat up to the concept.
There is likewise some illinformed ideas that on the internet daters are hopeless as well as undesirable. That is simply a misconception and nowadays everybody from business people, to non-profit managers, to civil servant are finding love and also friendship online.
There are some concerns attached with on-line dating that individuals ought to watch out for:
Sincerity: Some individuals might merely utilize this chance to fool others by not disclosing their true selves or circumstances.
Altered Assumption: Some individuals may fill in their profiles entirely incorrect in order to attract individuals they believe may not or else want to be familiar with them.
Addictive: Some people have been understood to produce greater than one account as well as connect with more than one companion concurrently, just to enjoy with his/her varying online individuality.
Success in on the internet dating takes being open (but not as well open) as well as truthful regarding that you are and also what you're trying to find in a companion. If you are wanting to just flirt and satisfy great deals of brand-new individuals, don't claim you intend to obtain married simply to obtain even more individuals thinking about you.
Online profiles do not included any type of warranties but there are many online dating sites that use confirmation actions, such as validating mobile numbers and such. Protection steps are likewise taken by several dating sites, such as accounts being unseen to unidentified individuals.
Lots of websites provide chatroom, online forums and also video-chats to allow better authenticity of on-line daters. And also many dating services use filters that enable interested people to complete the called for fundamental attributes in their possible partners.
Each year brand-new online dating websites emerge providing safety measures, chemistry suits, and talking choices for those looking for love. Perceptions of online dating are rapidly changing and also internet dating sites will soon be the primary mainstream way to locate enchanting interests.


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We often discuss jackets or fabrics on our site, where we review, compare and learn more about the origins, purpose and use of these garments.
Having a good time outdoors is not solely dependent on where you are going or with whom. Weather plays a big role in how things will go and being well prepared is a must when out in nature.
Those who spend a good deal of their free time in the woods, mountains or hiking trails will tell you that quality clothing and gear are essential. You never know how the weather may change, especially during autumn and spring months, when it's sunshine one minute and the next it's heavy rainfall.
For this reason, jackets and other garments that are made to protect you against the elements, while also keeping you cool and dry on the inside are really important.
Clothes, however, are not the only thing you must consider for travel or any outdoor adventure. Backpacks are also very important.
While surely you can get away with a backpack that won't withstand the elements or one that will last for years, having one of high quality is a really smart investment.
Name brands make great backpacks, namely Arc'teryx or The North Face, but there are in fact backpack-specific brands on the market, which specialize in designing different packs, rucksacks and all types of bags.
Today we will look at two of those brands, Osprey and Gregory.
Just a few days ago we looked at Osprey vs. Deuter and today we will do another comparison.
Let's get started!


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High-speed Free WiFi are made available to our visitors whilst they are remaining at the hotel, in order to stay linked, post images, use social media marketing and deliver e-mails.
We give a total laundry solution so that our visitors do not have to concern yourself with neat dresses.
Multiple rooms are available at the hotel fitted for our visitors unique requirements such as family rooms, normal bedrooms or suites.
Our hotel's total solution Bar is a cool space to get together with buddies and loved ones for a late night cocktail or to do few new people.
The hotel provides Private parking for all their visitors who are remaining at the hotel.
Our visitors' well-being and recreation is our goal which is why air conditioning is available throughout the hotel.
The hotels provides at all times to our visitors with their 24-Hour front desk service.
No matter if our visitors are trying to find esteemed eating or a easy meal, our hotel's Restaurant have them all.


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This document is based on the methodology followed by the REFORM project for analysing, selecting, describing and evaluating the Good Practices (GPs).
The Interreg Project REFORM stands for "Integrated REgional Action Plan For Innovative, Sustainable and LOw CaRbon Mobility" and its application field focuses on mobility planning and particularly on Sustainable Urban Mobility Plans (SUMP).
Consequently, from the application point of view, the document refers to the same specific topic, but it can be considered as a general guideline for selecting, describing and evaluating GPs within the scope of the INTERREG projects.
Σεπτέμβριος 2018
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Thomasville kitchen furniture would add an elegant touch to any home. You can find a range of Thomasville kitchen furniture such as Thomasville kitchen tables, Thomasville kitchen chairs, Thomasville kitchen cabinets as well as Thomasville kitchen servers in wood. Thomasville furniture feature sturdy quality and great design. No matter whether you're looking for Thomasville bedroom furniture, Thomasville living room furniture or Thomasville dining room furniture, you're sure to find something that fits your style and your decor perfectly.
Thomasville Casual Retreat Rectangular Table"For dining, kitchen, or gathering, the multiple personalities of the Rectangular Table adjust to the lifestyle that surrounds it. Two tables in one, it easily transitions from standard height to the popular new counter height simply by adding the "leg extenders" (included). Truly a family table, the tough catalyzed finish stands up to craft projects and homework."
Thomasville Fredericksburg Oval Dining Table"The simple, classic turning and fluting seen on the legs of the Oval Dining Table characterize Fredericksburg's Federal styling and mark its stylistic departure from the earlier, highly ornamented, Chippendale period. Rosewood and maple inlay adds subtle character to the Whiskey-finish mahogany table top. Large enough for a big family, the table seats 6, or 8 when extended with its (2) 20" leaves."
These tables can be found at thomasville.com
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Want to hear a chimney joke? Got stacks of 'em! First one's on the house.
Next joke
Because being chased by ghosts is way too hard.
As a follow up to the original World's Easiest Game, we've removed all the enemies from the newer version.
Don't hit the walls, or you'll sink!
Just like word magnets you might find on a fridge, but online!
More games


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Compressed Zip File
Be sure that you have an application to open this file type before downloading and/or purchasing.
Get all of our best selling task card sets in one download! This product includes 30 task card sets in all....That's over 900 task cards! WOW! Save over 10% when purchasing this bundle!
Poster Sets are included for the following standards:
**Numbers and Base Ten Operations**
4.NBT.1-2: Place Value
4.NBT.3: Rounding (2 Sets)
4.NBT.5: Multiplication (2 Sets)
4.NBT.6: Division
(Not included at this time - 4.NBT.4)
4.NF.1-2: Equivalent Fractions and Comparing Fractions
4.NF.3-4: Add, Subtract, Multiply Fractions
4.NF.5: Tenths & Hundredths
4.NF.6: Relating Fractions and Decimals
4.NF.7: Compare Decimals
**Operations and Algebraic Thinking**
4.OA.1: Multiplicative & Additive Comparisons
4.OA.2: Comparison Word Problems
4.OA.3: Multi-Step Word Problems (3 Sets)
4.OA.4: Factors & Multiples
4.OA.5: Rules & Patterns
4.G.1: Lines & Angles
4.G.2: Classify Polygons
4.G.3: Symmetry
**Measurement & Data**
4.MD.1: Metric & Customary Conversions (2 Sets)
4.MD.2: Measurement Word Problems
4.MD.3: Area & Perimeter
4.MD.4: Fractional Line Plots (2 Sets)
4.MD.5: Fractional Parts of a Circle
4.MD.6: Measure & Draw Angles
4.MD.7: Additive Angles
Enjoy! Teaching Together,
Kathleen & Mande'


text:
Seth C.
Private tutor in Tampa, FL
B.A. in both Law & Society (pre-law equivalent) and Social Work with a cumulative 3.90 GPA from a Maryland school.
I majored in a pre-law program and completed coursework in Formal Logic (essential to LSAT success) with a solid 4.0 (with a cumulative GPA of 3.9). For the last year I have been immersed in the LSAT and law school application processes, including personal statements and addendums. My February 2014 LSAT score was a 158, approx. a 75th percentile score. With that score and my knowledge of law school admissions I was able to obtain a host of full scholarships at Tier II schools. I understand from experience how intimidating this test and law school applications can be, and would love to help others resolve those feelings. To that end, I'm looking to become a tutor in the Tampa area. It's my belief that one-on-one tutoring is the only way to break through your personal limits and achieve your personal best LSAT score.
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text:
WIN: Tickets to Disney On Ice – COMPETITION CLOSED
Make a dream come true and WIN tickets
for you and your grandchildren
to watch Disney On Ice
in Johannesburg, Pretoria, Durban and Cape Town!
'Disney On Ice presents Magical Ice Festival' shines with an enchanting mix of Disney royalty. Get ready to enter a winter wonderland as Mickey Mouse and Minnie Mouse bring the most magical moments from across the Disney kingdom to Johannesburg, Durban, Cape Town and, for the very first time, Pretoria as 'Disney On Ice presents Magical Ice Festival' skates into South Africa in June and July.
Click here to enter online
Don't forget to answer this question: In which kingdom do Anna and Elsa live?
Clue: Read this page in full!
This Competition is now closed
Ts and Cs:
- This YEI competition is only open to You've Earned It members
- By entering this competition, you agree to receive the YEI FREE fortnightly newsletter.
- If you are not a YEI member, you may subscribe here.
- Tickets are only valid for the specified date and performance time and may not be upgraded, exchanged for cash or for an alternate performance.
- The prize comprises of four show tickets per prize winner i.e. 2 adults over the age of 18 years and 2 children/1 adult over the age of 18 years and three children
- Please note that owing to safety regulations each person irrespective of age must have a ticket.
- Tickets will be available for collection from the BOX OFFICE at the venue from one hour prior to performance time, on the date of the performance. .
- No-shows will not receive replacement tickets.
- Requests for additional tickets cannot be accommodated. Tickets are to be booked direct with Computicket.
- Prize winners tickets are booked as a block booking, therefore seats alongside or in close proximity are not available.
- The prize is not transferable
- The winners will be contacted directly by YEI, via email;
- The winner's contact details will be sent to the sponsor by YEI;
- The name of the winner will be announced on the WIN with YEI page, in the YEI Newsletter and on the YEI Facebook page.
- No correspondence will be entered into with entrants of competitions.
- I consent to my submitted data being collected and stored by YEI
Please note the following:
- Your personal data is collected and stored purely for YEI purposes i.e. this competition – in order for YEI to contact you if you are a winner and also to ensure that the free fortnightly newsletter can be sent to you;
- YEI takes your privacy very seriously and will never disclose, share or sell your data to any third party, unless required to do so by law.
By agreeing to the above Ts and Cs, it is tacitly implied that you agree to all of the above, including consenting to your personal data being collected and stored.
More About 'Disney On Ice presents Magical Ice Festival'
'Disney On Ice presents Magical Ice Festival'
shines with an enchanting mix of Disney royalty.
Get ready to enter a winter wonderland as Mickey Mouse and Minnie Mouse bring the most magical moments from across the Disney kingdom to Johannesburg, Durban, Cape Town and, for the very first time, Pretoria as 'Disney On Ice presents Magical Ice Festival' skates into South Africa in June and July.
You'll be whisked away into the wintery world of the Academy Award-winning and number one animated feature film of all time, Disney's 'Frozen', to join royal sisters Anna and Elsa in the Kingdom of Arendelle, the hilarious snowman Olaf, rugged mountain-man Kristoff and his loyal reindeer Sven as they help the sisters along the way in a story full of action, adventure, magic and unforgettable characters.
Experience Disney's 'The Little Mermaid' with a show-stopping performance by Sebastian as he breaks out of his shell to make waves with Ariel 'Under The Sea'! Get tangled up with a chorus of harmless hooligans when they get a visit from the sassy and spirited Rapunzel and her charming ally Flynn from Disney's 'Tangled'. And get swept away by Disney's 'Beauty and the Beast' as the Beast and his castle's enchanted entourage take center stage in a spectacular show for Belle.
It will be a magical mix of royalty when Disney On Ice brings this new adventure in a winter wonderland to South Africa.
Show Dates:
Pretoria: Sun Arena at Time Square, Menlyn Maine from Friday, 14 June 2019 to Monday, 17 June 2019.
Johannesburg: Ticketpro Dome, Johannesburg from 22 to 30 June.
Durban: ICC Arena from Wednesday, 3 July to Sunday, 7 July.
Cape Town: GrandWest from Wednesday, 10 July to Sunday, 14 July 2019.
Tickets are only available from Computicket,
the official Disney On Ice ticketing agent.
Find out more about Disney On Ice HERE.
Terms & Conditions


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This item is published by Universitas Islam Negeri Sunan Ampel Surabaya
Subandi, Bambang (2013) PERSENAN UNTUK LOYALITAS PELANGGAN: STUDI KONSTRUKSI STRATEGI PENJUALAN OLEH PEDAGANG PASAR PANDAN MOJOKERTO. Penelitian Individu.
SUMMARY=003d Persenan Untuk Loyalitas Pelanggan Bambang Subandi, M.Ag.pdf
Download (2MB) | Preview
Persenan is a parcel given by trader to customers toward at Great Day of Idul Fitri. The goal of persenan is to defense customers loyalty. This research aims to describe three ploblems about persenan and customers loyalty. First, how is persenan constructed by traders for customer loyalty in Pandan market of Mojokerto. Second, what type of persenan practiced by trader of Pandan market in Mojokerto to defense customer loyalty. Third, how can persenan defense customer loyalty. To overcome those problem, the research used qualitative approach. The technical of data discover used deep structure question, participant observation, and documenting. The data analyzed by reduct data, display data, and conclusion drawing. Informan of the research was trader that has more than 50 customers. The informan also gives persenan every toward Idul Fitri. The research results three points. First, trader constructed persenan as connection between himself dan his customer (externality). If the connection is like buyer dan seller, persenan constructed as gift (internality). If the connection is more chummy untill as closefriend, (objectivity), persenan constructed as friendship symbol (internality). If the connection is brotherhood (objectivity), persenan constructed as affection symbol (internality). The dominant factors in Pandan market are persenan constructed as gift and friendship symbol.(internality). Second, type of persenan given trader in Pandan market to his customer pressed customer satisfication. There are three factors of customer satisfication on persenan: given toward Great Day of Idul Fitri, based on amount of selling, and based on customer needs. Third, Persenan is not determinat factor of customer loyalty. There are other factors had influence on customer loyalty: easy price, take care of customer, and full stock. Therefor, level of customer loyalty in Pandan market untill latent loyalty, because customer divided selling to other trader. The research also recommended to Head of Pandan Market to keep of togetherness among traders. Other side, the research hope continuing study on persenan in other perspective.
Downloads from over the past year. Other digital versions may also be available to download e.g. from the publisher's website.
|Item Type:
|Additional Information:
|Bambang Subandi
|Uncontrolled Keywords:
|Loyalitas Pelanggan; Strategi Penjualan
|Karya Ilmiah > Laporan Penelitian
|Depositing User:
|Editor : Abdun Nashir------ Information------library.uinsby.ac.id
|Date Deposited:
|30 May 2016 04:30
|Last Modified:
|30 May 2016 04:30
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Low Sugar Carrot Cake Snack Bars
Quick and Healthy Low Sugar Ketchup
Low Sugar Banana Chocolate Chip Cookies
Low Sugar Almond Butter Oat Flour Cookies
Healthy Low Sugar Chocolate Chip Cookies (Nut-Free, GF, Vegan)
Low Sugar Cinnamon Almond Butter Blondies
Gooey Buckwheat Loaf Cake (Low Sugar)
Healthy Pumpkin Brownies from Scratch (Low Sugar!)
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Low Sugar Oatmeal Chocolate Chip Cookie Bars
Sweet Potato Chocolate Chip Cookies (Low Sugar)
Low Sugar Chocolate Chip Buckwheat Muffins
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Single Serve Ketchup and Fries (Low-Fat, Low Sugar)
Avocado Lime Pudding (Low Sugar)
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Finding Your Element
How to Discover Your Talents and Passions and Transform Your Life
Why is it important to find your Element? The most important reason is personal. Finding your Element is vital to understanding who you are and what you're capable of being and doing with your life. The second reason is social. Very many people lack purpose in their lives.
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Produktinformationen zu "Finding Your Element "Why is it important to find your Element? The most important reason is personal. Finding your Element is vital to understanding who you are and what you're capable of being and doing with your life. The second reason is social. Very many people lack purpose in their lives.
Klappentext zu "Finding Your Element "Ken Robinson, author of the international bestseller The Element and the most viewed talk on TED.com, offers a practical guide to discovering your passions and natural aptitudes, and finding the point at which the two meet: Finding Your Element. The Element has inspired readers all over the world to change their lives and this new companion is a practical guide containing all the tools, techniques and resources you need to discover the depth of your abilities and unlock your potential. Among the questions it answers are:
- How do I find out what my talents and passions are?
- What if I love something I'm not good at - or I'm good at something I don't love?
- What if I can't make a living from my Element?
- How do I do help my children find their Element?
No matter what you do, or where you are in life, if you're searching for your Element, this book will help you find it.
'Relevant, imperative . . . It will help you to find yours' Vanity Fair
'Happiness really is within yourgrasp' Guardian
'Leads readers to a place where natural aptitudes and abilities converge with one's passions' Kirkus Reviews
Sir Ken Robinson, PhD, is an internationally recognized leader in the development of creativity, innovation, and human potential. He advises governments, corporations, education systems, and some of the world's leading cultural organizations. The videos of his famous 2006 and 2010 talks to the prestigious TED Conference have been seen by an estimated 200 million people in over 150 countries.
Lou Aronica is the author of two novels and coauthor of several works of nonfiction, including The Culture Code (with Clotaire Rapaille) and The Element.
2014, 258 Seiten, Maße: 12,8 x 19,8 cm, Taschenbuch, Englisch, Verlag: Penguin UK, ISBN-10: 0241952026, ISBN-13: 9780241952023, Erscheinungsdatum: 30.01.2014
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An Introductory Course for Beginners
Friday evening 9 August 6.30-9pm
Saturday 10 August 11am-1pm & 2-6pm
Sunday 11 August 2-6pm
The Church Hall, United Reformed Church, 18 Paul Street, Taunton TA1 3PF
Course Details
The course is an in-depth introduction to the principles and practice of chi gung with a focus on the basic shibashi taichi form. You will learn the 18 movements of the form to a beginners standard but also understand how each movement supports your well being. You will get a good grounding in the 'energy architecture of the body' - how your vitality is raised and distributed so that you get the most out of your life. The weekend programme aims to give you a real perception of chi and will get you to a relatively advanced stage of practice for a beginner. Numbers are limited to allow personal instruction.
To read more about the experience of practising 'Conscious Connections Chi Gung' with Clive Tempest see this article.
On completion of the course you will be qualified to attend the regular weekly class with the Taunton Chi Gung Group on Thursday evenings and Saturday morning practice sessions in Hestercombe Gardens in the summer months.
Please complete the registration form below which includes a declaration that you are physically and mentally capable of doing the course.
Please wear comfortable clothing: loose fitting trousers or leggings and soft, flat-soled shoes. Trainers are not advisable. If you have nothing suitable wear thick socks.
For lunch on Saturday we can reserve a table at the vegan cafe next door.
£95 including refreshments. We require payment in advance including a non-refundable deposit of £30. Details of how to pay will be emailed to you when we confirm your booking.
Book Your Place Now
*mandatory field
Contact phone number:
Fitness Declaration
Chi Gung exercise is suitable for almost everyone but if you have a physical or mental health condition that has required professional attention in the last year or are pregnant, are taking any long-term medication it is your responsibility to inform the instructor. Remember to work within your limitations and observe the '70% rule' (do about 30% less than you think you can achieve). Your participation in chi gung practice, meditation, healing and 'conscious connections' work with Clive Tempest will be construed as an agreement that your health, wellbeing and fitness are your personal responsibility. By checking the box below you confirm that you have read the above statements and understand that Clive Tempest disclaims any liability for loss in connection with the practices taught or the conduct of the event and that participation is at your own risk, decision and discretion.
* I have read the declaration above and agree to the terms.
Please add me to your mailing list for occasional updates. Your details are kept private and you can unsubscribe at anytime.
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text:
Here's 5 DIY staging tips from Fox News for selling your home!
1. Get rid of clutter
2. Let natural light fill your home
3. Clean!
4. Manicure your yard and set the scene of a perfect home
5. Update the photos of your home
Read the original article, 5 DIY tips for home staging on the cheap, for all the details!
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My English tutoring days were short lived, but that doesn't mean selling some kind of service that you personally deliver isn't still a viable option. The Internet is a fantastic place to market your services for free. Similar to what I talked about in the first three points, you can use online community sites, classified, forums and your own website to market your service.
The peer-to-peer concept is coming to virtually every corner of human existence. That includes the hospitality industry. Through AirBnB you can actually rent out your house for various lengths of time for a predetermined fee. That gives you an extra income on your house and gives the visitor the benefit of having an entire house, rather than being crammed into a single hotel room.
5. Fiverr – Fiverr is a great place to make a few bucks or spend a few bucks if you need some of the services people offer. Basically, everything is $5. You either pay $5 or charge $5. They call them "gigs." You can offer your services however you choose. If you sell art and you're fine selling pieces for $5 each, that's a gig. If you're a graphic designer and you want to offer your services for $10/hour, simply offer a 30 minute gig. If they need two hours of graphic design, they pay you $20, or $10/hour by buying four gigs.
This is something like Experts Exchange, except that it's more general in nature. As a professional in just about any field, you can offer your expertise on JustAnswer. They are looking for professionals in various fields who will provide answers to reader's questions. You can make money online by answering these questions and pointing people in the right direction to get the solutions that they need.
Affiliate income has gone on to become my second highest source of income in recent years, thanks in part to the increase in my audience reach. By combining my blog and email newsletter I can reach thousands of people with just one piece of content. By testing different products and recommending things I personally use myself, I've been able to earn as much as $50,000 in commissions selling just one product.
High-ticket consulting or coaching: You could sell your own high-ticket consulting or coaching products from your website. You'll still need a website, merchant account, sales funnel, lead magnet and many other items. But you can easily earn a substantial amount of money from each individual customer, making it well worth the arduous setup required.
With drop shipping, you're effectively partnering with a manufacturer or wholesaler to sell their products. This way, you don't pay upfront costs to buy inventory, aren't sitting on unsold items taking up expensive warehouse space, and don't have to deal with shipping the products yourself. You simply create your site, fill it with drop shippable products, and drive in customers, with almost everything else done for you.
Ask for a raise. If you're unhappy with your compensation at your 9-5 job, asking for a raise is one way to beef up your bank account. Most employers offer an annual review of your work – which could be the perfect time to negotiate a higher salary or ask for better perks. If your employer doesn't offer such an opportunity, it might be time to initiate a review yourself.
According to Webopedia, "Search engine optimization is a methodology of strategies, techniques, and tactics used to increase the amount of visitors to a website by obtaining a high-ranking placement in the search results page of a search engine." And as the internet becomes even more crowded, search engine optimization (or SEO) grows even higher in demand.
Better yet, you can even upload your own book to one of the world's largest book sellers: Amazon. With Amazon self-publishing, you set the price, retain the rights to your book, and get access to Amazon's massive audience. For every sale, you keep 70% with Amazon taking the remainder as a fee. If you want to get started, check out Leslie Samuel's great guide to selling eBooks online or follow Tara Gentile on CreativeLive as she shows you how to use your existing body of work to write an eBook within the next week. Who knows, you might just write one of the best business books of this year!
Money can be earned and spent, saved and pilfered, invested and wasted. Not time. That's why time is far more valuable than money. The point? When you lack the luxury of time, making money online (or offline) can seem like an impossible task. How are you supposed to do that when you're working at a life-sucking nine-to-five job? While the stability of full-time employment might allow most to sleep well at night, it doesn't empower your creative juices to search for new income-producing strategies.
OnlyTheBreast.com. If you're a woman with breast milk, you can sell (or donate) your unused breast milk at this website to moms. You can sell for whatever price you want, but generally, moms sell for a couple bucks an ounce, which can add up, if you pump enough. You can sell locally, but many users ship their breast milk to willing buyers, as well.
As my blog audience grew I began to test a method of making money I was very interested in – affiliate marketing. My first test proved positive, though initially I was disappointed that of my readership of 500 or so people (at the time), I could only sell one or two products, making $20 commission each. It wasn't retirement money, but it was a start.
Affiliate marketing is possibly the single best way to make a living online because it is so hands off, can be automated easily enough and can deliver some incredible profit margins. It's especially good when you can use affiliate marketing to recommend things in areas you are personally interested in – for example you can make money simply writing a review of a book you really wanted to read anyway and you get paid for doing what you love.
Need more ideas on how to make money online? Another strategy is using webinars to market your product, service, or course. I've done webinars to promote my financial planning practice and to drum up interest in my online course for financial advisors. With a webinar, you're basically offering a lot of tips and advice for free — usually in a live format. At the end though, you pitch your paid product or service with the goal of securing a few deals.
There's an excellent chance that you have one or several musical instruments sitting in storage that haven't been used in years. Perhaps it's a leftover from when you were in school, or even from your days playing in a band. Whatever the reason that you have it, it's probably worth money if you can sell it. Brand-new instruments are ridiculously expensive, so people often look to buy used equipment instead, particularly if they are novices.
Be professional. When you submit a résumé, don't type it in ALL CAPS and please don't avoid the caps lock like the plague. Know how to use it without looking incompetent. Write in complete sentences with proper grammar. Of course, there will be exceptions, but even with the exceptions, you must keep it professional. You're building their view of you.
Thanks alot for this comprehensive list. I personally appreciate the various methods you have layed out but in my opinion the heart to making money online lies in Traffic. Not just any kind of traffic but supertargetted traffic that converts. The key for newbies like myself ofcourse are to unlock the traffic potential then can we be best able to show our offer to various visitors on the internet such as ebay or banner ads as you put it.
If you've got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.
Robo-advisors are diversified investment accounts that are automatically managed by a computer algorithm (as opposed to a human money manager). If you want to invest, but don't have the money, or don't want to invest with a money manager, robo-advisors are for you! Robo-advisors make investing easier—and cheaper—so they're perfect for new investors.
Clearly, there's a lot of demand on Amazon, and if any product is going to sell, it's going to sell well on Amazon. But the goal here is to source the right products that will easily sell at the world's largest online retailer. Generally, products between $10 and $50 sell very well here. Just be sure to do the right market research before jumping on this bandwagon.
To do that, you have to harbor a few fundamental guiding principles in your mind. Today, if you're at all serious about generating a full-time income (and more) from your online activities, then you need to focus on passive income as opposed to active income. Sure, the active income will help you survive. That's the scarcity mentality at play. But it's the passive income ideas that will help you thrive.
My next self-funded business hit $160,000 in revenue in its first year alone. After that first taste of self-made success, I've gone on to sign consulting contracts worth tens of thousands of dollars with startups like LinkedIn and Google, launch profitable online courses, and build a following of hundreds of thousands for this blog and my podcast series.
If you live in an area where Uber or Lyft operate, why not become a driver? If you're looking to make some short-term cash, you can definitely rake it in by working for one of these popular car-hire apps. As long as your vehicle fits within the specifications of their program, and you have a clean license, you could do this on the side, especially if you're in a crunch for cash.
Good stuff man. I think it's quite common to see that a lot of us that are in the world of online business regularly starting with eBay (I know I did hehe). I think, overall, the important thing to learn when you're first beginning is to get into the process of 'doing' and then taking very detailed notes so you can devise a systematic approach to your work.
The business began in very simple fashion. I created the website personally myself and advertised two services – English proofreading and language translation services. I knew how to find contract proofreaders and also had access to an online database of language translators. When a job came through I'd organize a quote, slap on a margin for myself and then return the quote to the client.
No matter what method you end up using to generate an income on the web, you need to adjust your mindset to help empower you rather than discourage you. The truth? Making money online can be fraught with avoidable pitfalls. There's no shortage to the rah-rah cheers of internet marketers looking to find ways to ensure they part you from your hard-earned cash. The trick? Cancel the noise and get to the real meat and potatoes, so to speak.
As per the previous point, often the logistics of growth makes a method unappealing to me, however I do want the income streams I go after to have the potential to scale, and scale big. This means if you do discover something that makes you money, the possibility to grow it to a life changing amount of money is a reality, and you understand how this can happen.
The final point is really important to me because I know that my interest tends to fluctuate. Every five years or so I feel like moving on to something new and leaving my main project. In the case of business, I want to ensure that there is a profitable exit strategy. The better you meet the previous criteria (profit margin, automated, scaleable and passive), the more money you can make when it is time to sell.
Freelancing has always been a popular way to earn money online and the Internet has a plethora of options. There are several websites offering freelance tasks for people with varying skills. All you need to do is to create your account, browse through the listings, and apply for the task that suits you. Some websites may even require you to create a personal listing with the details of your skillset, so that interested clients can contact you directly. Outfiverr.com, upwork.com, freelancer.com, and worknhire.com are some websites that provide freelance jobs. You can earn anywhere between $5 and $100 through these websites.
Ask for a raise. If you're unhappy with your compensation at your 9-5 job, asking for a raise is one way to beef up your bank account. Most employers offer an annual review of your work – which could be the perfect time to negotiate a higher salary or ask for better perks. If your employer doesn't offer such an opportunity, it might be time to initiate a review yourself.
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The business began in very simple fashion. I created the website personally myself and advertised two services – English proofreading and language translation services. I knew how to find contract proofreaders and also had access to an online database of language translators. When a job came through I'd organize a quote, slap on a margin for myself and then return the quote to the client.
However, if you're looking for realistic ways you can start earning money online now, then it really truly does boil down to seven paths you can take towards profit. Some will provide you with immediate results, helping you to address your basic monthly necessities such as rent, utilities and groceries, while others have the potential to transform your life by revolutionizing your finances in the long term.
If you want to sell products online, you may can it by creating your own website. As there's lot of competition and several existing websites in place already catering to this market, an attempt to create a niche in terms of products may be considered. Or, you can use the platform such as Amazon, Flipkart to sell. One can increase reach and visibility through affiliate marketing.
Etsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs.
OnlyTheBreast.com. If you're a woman with breast milk, you can sell (or donate) your unused breast milk at this website to moms. You can sell for whatever price you want, but generally, moms sell for a couple bucks an ounce, which can add up, if you pump enough. You can sell locally, but many users ship their breast milk to willing buyers, as well.
Hi Yaro, A very big but useful article. I think the main 2 ways of making money online through paid advertising if you can afford to shell out some money or through free advertising either through your blog or forums/classifieds that gets abundant traffic. Of all the points you mentioned, sponsored advertising and affiliate marketing are the 2 methods I like most. Thanks for the share
The card game Magic: The Gathering was a big part of my life from the end of highschool to the beginning of university. Although initially I was just a casual player and then tournament player, I quickly became a card trader and really enjoyed the wheeling and dealing. Although my interest in playing the game wained, most of my early projects online were connected with the game.
I am a Tour Guide in Dubai and my blog inform visitors about Tourism in Dubai and United Arab Emirates, but in Portuguese language in order to target Brazilian travelers to the region. While my site is still in not receiving huge amount of visitors ( up to now) but the little traffic I am getting is being very helpful to sell my offline service of guiding the tourists when they come to visit the city. I was able to leave my day job and work for myself as a freelancer.
19. eBay – Of course you can't read an article about making money online that doesn't mention eBay. You can start an eBay store and get serious about it or you can just sell some stuff to declutter your home. Either way, I've made my fair share from selling on eBay and it's still a popular way to earn money. If you decide to start an actual eBay store, you'll want to find a drop-ship business like Doba that will store and ship items straight to your customers so you don't have to deal with an inventory.
One factor that you must be aware of though is that Care.com is a peer-to-peer arrangement. That means that you will be in direct competition with other pet sitters in your area. You must price your services competitively in order to get business. Once you begin to develop a list of regular clients, you will be in a better position to raise your rates. This will be particularly true as you get referrals from those customers.
I just started a blog and was hoping to move into affiliate marketing soon. However, I am not really sure how I feel about the layout and its functionality. This might be a little bit spammy and I apologize but I'm looking for some feedback on the layout of the site. If you guys could check it out and leave a comment somewhere I would greatly appreciate it! Thank you!
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Clearly, there's a lot of demand on Amazon, and if any product is going to sell, it's going to sell well on Amazon. But the goal here is to source the right products that will easily sell at the world's largest online retailer. Generally, products between $10 and $50 sell very well here. Just be sure to do the right market research before jumping on this bandwagon.
Hi Yaro, thanks for a really helpful and practical post. I've been attempting to earn a living online for a while now, through selling handmade products. Turns out that with the amount of time that goes into it and how little people are prepared to pay, this has not been a profitable venture for me! I'm now trying a different approach by building a content based blog and hopefully soon will start selling information based product. My blog is still just a baby (I only started it a couple of weeks ago), so I know I've got a lot of work ahead of me still! I'm not naturally gifted at online entrepreneurial stuff so I have found this blog and your reports to be an invaluable resource. Thank you so much! Now I just need to roll up my sleeves and give it a go!
And while it will take time to build up a big-enough audience to attract advertisers and other ways to make extra income from your podcast, the opportunity is there. John Lee Dumas interviews entrepreneurs seven days a week for his podcast Entrepreneur on Fire and now makes more than $200,000 a month from it. In fact, John publishes all his income online and showed that he's made almost $13 million since launching in 2012.
If you live in an area where Uber or Lyft operate, why not become a driver? If you're looking to make some short-term cash, you can definitely rake it in by working for one of these popular car-hire apps. As long as your vehicle fits within the specifications of their program, and you have a clean license, you could do this on the side, especially if you're in a crunch for cash.
If you love to travel and find yourself randomly searching for airfare sales or browsing Lonely Planet, why not carve out a niche for yourself as a private travel agent? My friend, Mark Jackson did just that, making extra money online with his travel consulting side business. Start with word of mouth recommendations from friends who know they can count on you for the cheapest flights, and then move on and create a Facebook or LinkedIn group to invite people who want to stay on top of the latest deals. Eventually you could spin this into a full-time consultancy teaching people how to make their dream trip a reality.
2. InboxDollars – InboxDollars is similar to Swagbucks, since you're going to be taking surveys, shopping, etc., so if you want to maximize your return, sign up with both websites. They also offer a search engine that pays you (like Swagbucks) and you get $5 just for signing up. I won't continue to list survey sites one after another down the list, but if you want to get paid to take surveys, also check out GlobalTestMarket, E-Poll Surveys and Survey Club.
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Affiliate marketing is possibly the single best way to make a living online because it is so hands off, can be automated easily enough and can deliver some incredible profit margins. It's especially good when you can use affiliate marketing to recommend things in areas you are personally interested in – for example you can make money simply writing a review of a book you really wanted to read anyway and you get paid for doing what you love.
This is a more technical way to make money online then most of the other strategies given. But you can get an excellent course on how to make it happen with Steve Chou's Create a Profitable Online Store program. Steve and his wife have built a highly successful online store – selling wedding napkins – and he's anxious to provide insider secrets to people who sign up for his course..
Shepper says users are fully insured, and it takes precautions to ensure your safety, including reviewing every booking that it receives. It may be worth taking extra steps too, such as telling a friend or family member where you'll be and arranging to contact them after you finish the job. Remember to trust your instincts – if you feel uncomfortable with any job, simply leave.
You know those top-down cooking or craft videos you just can't seem to get away from these days? There are people out there making a living from them. 78% of B2C companies depend on user-generated content, like those videos, for their marketing campaigns. You can sign up as a creator on a site like Darby Smart and potentially work with brands like Nordstrom, Mattel, and BarkBox. Or, use them to build your YouTube following and monetize through ads and views.
23. Affiliates – There are many affiliate networks, such as FlexOffers and CJ Affiliate that allow you to promote other people's products and services. You simply put a link or a banner on your page and then you get a percentage if someone clicks through and buys the product/service. You'll want to select products that are specifically within your blog's category.This is an effective way to earn money once you have the traffic coming to your blog.
It doesn't pay much, but if you're a healthy person and want to make a bit of extra money online, the AchieveMint app will reward you for doing things like walking, tracking your food, or taking health surveys. AchieveMint works by connecting to fitness apps you might already be using like Fitbit, RunKeeper, Healthkit, and MyFitnessPal and then giving you points for certain actions. For every 10,000 points, you earn $10 with no limit on your earnings.
Try Uber EATS or DoorDash. Uber EATS offers part-time work that's similar to driving for Uber or Lyft. Instead of picking up passengers, however, you will pick up food orders and deliver them in your area. Pay works similarly, letting you earn a per-job rate plus tips. Door Dash works similarly, letting consumers order food from restaurants and connecting drivers to pick up and drop off their meals.
Amazon Mechanical Turk is a service that lets you make money online through doing paid microtasks. Each task is something simple that requires human interaction like rating search results, checking for the right spelling on search terms, categorizing the tone of an article, or even basic translating. You can do these tasks from anywhere you want and make money online from the world's largest e-retailer.


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It is a broadly described annual report of United Finance Limited in the year of 2014. The Company's before and after-tax profit for the year 2014 were Tk. 538 million and Tk. 324 million compared to Tk. 449 million and Tk. 266 million respectively in the previous year. Earnings per Share (EPS) on the basis of the current number of shares, increased by 21.58% (from Taka 1.90 in 2013 to Taka 2.31). Net Asset Value (NAV), on the basis of the current number of share, increased by 11.98% (from Taka 15.44 in 2013 to Taka 17.29).
The Board of Directors has recommended a cash dividend of Tk. 0.50 per ordinary share (2013: @ Tk. 0.50 per ordinary share) i.e. a total of Tk. 70.132 million for 140.263 million ordinary shares and 1 bonus share for every 10 shares (2013: 1 bonus share for every 10 shares) held for the year ended 31st December 2014. These financial statements are presented in Bangladesh Taka (Taka/Tk/BDT) which is the company's functional currency. All financial information presented in Taka has been rounded off to the nearest Taka.
More Annual Report of United Finance Limited:
Related Paper
- Financial Statement 2015 of Mercantile Bank Limited
- Annual Report 2015-2016 of AIA Engineering Limited
- Annual Report 2017 of Delta Spinners Limited
- Annual Report 2009-2010 of Hinduja Ventures Limited
- Annual Report 2011 of National Credit and Commerce Bank Limited
- Annual Report 2017 of Rahim Textile Mills Limited


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Justice minister Charlie Flanagan (pictured) has thanked the Seanad for its welcome for the Criminal Law (Extraterritorial Jurisdiction) Bill 2018.
The minister said: "This bill is significant for two main reasons. It is the last piece of the legislative jigsaw required to enable Ireland to ratify the Istanbul Convention on combating violence against women and domestic violence.
The majority of the actions necessary are contained in the Domestic Violence Act, which passed earlier this year.
Violent crimes
"Secondly, this legislation, when enacted, will enable Ireland to prosecute violent crimes committed abroad by Irish citizens and residents in certain states.
It is anticipated that this power will be rarely invoked, but it is an important fall-back mechanism for countries that have ratified the convention."
The minister noted that, while the convention is primarily concerned about violence against women, for equality reasons Ireland has included measures to address violence against men in its domestic legislation.
Ireland signed the Istanbul Convention in 2015 and began an action plan later incorporated into the Second National Strategy on domestic, sexual and gender-based violence.
The measures included:
• Targeted education and training modules for An Garda Síochána, HSE, Tusla, and the Courts Service,
• Implementation of a risk assessment matrix by An Garda Síochána,
• Integrated 24-hour national helplines,
• Support for child witnesses of domestic and sexual violence.
In terms of legislation, the Government has enacted:
• The Criminal Justice (Victims of Crime) Act 2017,
• The Criminal Justice (Sexual Offences) Act 2017,
• The Domestic Violence Act 2018.
The early passage of the Criminal Law (Extraterritorial Jurisdiction) Bill 2018 will allow for ratification of the Istanbul Convention in early 2019.
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Adoptive parents often describe a "honeymoon period" with their new children that can last weeks or months. But as the kids become more comfortable, the layers of trauma begin to reveal themselves …
Read the full story on Toronto Star.Read More
Adopt4Life In The News
Adoptive parents often describe a "honeymoon period" with their new children that can last weeks or months. But as the kids become more comfortable, the layers of trauma begin to reveal themselves …
Read the full story on Toronto Star.Read More
Before adopting my daughter, I'd fantasized for a long time about our perfect first Christmas.Read More
Western researchers are leading a national push for 15 more weeks of work leave for adoptive parents as an important way to strengthen the bond between parents and their adopted children.Read More
A group of Western University researchers and community partners are asking Canadian politicians to grant adoptive parents and caregivers more time to bond with their children during the early stages of adoption.Read More
A team of Western University researchers in partnership with Adopt4Life: Ontario's Adoptive Parents Association is advocating for a new class of employment insurance benefits for adoptive parents, and customary and kin caregivers.Read More
CTV News interviews adoptive mother and former foster parent, Laura Dunlop-Dibbs on the challenges of the early trauma that affects her son, and how agencies like the new Non-profit Adopt4Life as interviewed by Julie Despaties, founder, is working to support the caregivers and adoptive parents of children and young people in and from child welfare.
Watch the full clip on CTV Calgary.Read More
L' adoption au Canada Malik Hakim et Julie Despaties ont toujours su qu'ils voudraient adopter au moins un enfant. Le coup de cœur s'est fait lorsqu'ils ont vu la photo de non pas un, mais trois frères et sœurs ayant été confiés aux services sociaux de l'Ontario. Se lançant dans cette aventure et ouvrant leur cœur à leurs trois enfants, ils ne se doutaient pas que l'adaptation serait aussi difficile et enrichissante. Ils nous parlent de conseils qu'ils souhaitent prodiguer à des parents qui comme eux, voudraient adopter.Read More
Adopt4life is a non-profit organization based in Toronto, Ontario providing support and guidance to adoptive families throughout their journey from the moment they are matched with their children through to adulthood. We help adoptive parents through the adoption process.
Adopt4Life.com | 147 Liberty st., Toronto, Ontario, Canada


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A researcher works at the Vinmec Research Institute of Stem Cell and Gene Technology in Hanoi (Photo: VNA) Hanoi (VNA) - The Vinmec Research Institute of Stem Cell and Gene Technology has revealed initial results of the Vietnamese genome decoding project after more than two years of research. The project, entitled "Research on the Vietnamese genome", is the first massive database of Vietnamese genomes, conducted from decoding the genomes of 305 healthy Kinh people in combination with data of 101 previously published genomes. Research results published more than 24 million points of change, including more than 700 thousand completely new points. Accordingly, the Vietnamese genome is different from the genomes of other populations, which is reflected in the large difference in the frequency of occurrence of many genetic changes. Specifically, research found that 1.24 million changes appear in Kinh people, but appear very little in other populations. This is an important … [Read more...] about Results of largest Vietnamese genome research project revealed
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Employers to increase headcounts as a result of automation
Automation will not lose people their jobs, but increase job opportunities in the future, as employers globally plan to increase or maintain headcount as a result of automation, according to the latest report of ManpowerGroup – the leading global workforce solutions company. According to the Humans Wanted report which was released in Vietnam on March 22, 2019, as many as 87 per cent of employers globally plan to increase or maintain headcount as a result of automation, and organisations that are investing in digital and shifting tasks to robots are creating most jobs, while upskilling is on the rise. 84 per cent of companies plan to upskill their workforce by 2020, up from just 21 per cent in 2011. The report also looks into robot workers replacing human jobs – the debate of the decade for long. In reality, the opposite looks true. ManpowerGroup's report Humans Wanted: Robots Need You found that more employers than ever – 87 per cent – plan to increase or … [Read more...] about Employers to increase headcounts as a result of automation
Putin says Crimean school shooting result of 'globalisation'
Russian President Vladimir Putin on Thursday (Oct 18) said the mass school shooting in Crimea a day before was the result of "globalisation" and the continuation of an American trend. A rescuer with one of the victims injured in an attack on a technical college in Russian-annexed Crimea AFP "It's a result of globalisation. On social media, on the internet, we see that there is a whole community that has been created. Everything started with the tragic events in schools in the US," he said at a forum in Sochi. He said unstable young people were creating "fake heroes for themselves" and "reaching out for a surrogate for heroism" in the absence of the real thing. "We're not creating healthy (Internet) content for young people ... which leads to tragedies of this kind," he said. "But there is a place for real heroism in today's life," he said. An 18-year-old identified as Vladislav Roslyakov on Wednesday killed at least 20 students at a college in the Moscow-annexed peninsula … [Read more...] about Putin says Crimean school shooting result of 'globalisation'
FE Credit announces result of Moody's credit rating
FE Credit announces result of Moody's credit rating Moody's has officially announced the corporate credit rating (CFR - Credit rating is based on correlation with members of the same group) of B2 at VPBank Finance Company for FE Credit. This rating level is equivalent to the rating level of several leading domestic and foreign financial institutions in Vietnam. The rating CFR at level B2 for FE Credit showed that Moody's had stated the impact of parent bank on FE Credit, which is wholly-owned by VP Bank. FE Credit has been playing an important role in VP Bank's retail strategy and the financial link between FE Credit and VPBank. In 2017, FE Credit contributed around 50% of VP Bank's net income and continued leading the consumer finance market in Vietnam with a market share of nearly 50%. Beside Moody's expectation on FE Credit to maintain its stable credit fundamentals over the next 12-18 months, the credit rating agency also evaluated that the profitability is a key strength … [Read more...] about FE Credit announces result of Moody's credit rating
Results of Thu Thiem project inspection to be announced next month
Results of Thu Thiem project inspection to be announced next monthThe Saigon Times Daily A view of Thu Thiem peninsula in District 2, HCMC. The Government Inspectorate will publish the results of an inspection of the Thu Thiem New Urban Area project in the first half of next month - PHOTO: THANH HOA HCMC – The Government Inspectorate will publish the results of an inspection of the Thu Thiem New Urban Area project in District 2, HCMC, in the first half of next month, news website VnEconomy reported, citing Bui Ngoc Lam, deputy chief inspector of the Government. At a regular cabinet meeting on August 30, Lam said the Government Inspectorate had consulted the relevant ministries and agencies as well as the HCMC government in conducting the inspection, which ended on July 11. The Thu Thiem New Urban Area project was planned to cover an area of 657 hectares across the Saigon River in downtown HCMC. Thu Thiem had been expected to transform into a new commercial, financial, … [Read more...] about Results of Thu Thiem project inspection to be announced next month
Google searches for Vietnam-Syria soar as quarterfinal match nears
By Nguyen Quy  August 27, 2018 | 03:22 pm GMT+7 Vietnamese football fans cheer in Ho Chi Minh City as Nguyen Cong Phuong scores the goal at the 88th minute in a match against Bahrain. Photo by Huu Khoa Just hours before the Asiad 2018 quarterfinals kickoff, Vietnam-Syria became a top five googled keyword in Vietnam. Millions of football fans in the country are googling Vietnam and Syria as the two countries prepare to face off in an Asian Games quarterfinal men's football match in a few hours. As of Monday morning, Vietnam-Syria has become the top five global keywords on Google Trends, meaning that Vietnamese online are intensely focused on the upcoming match that will decide the team would advance to the semifinal. These were leading keywords on google search on Sunday as well. The match will be played at 7:30 p.m. Monday, August 27, at the Patriot Candrabhaga Stadium of West Java, Indonesia. Vietnam defeated Bahrain with an 88th minute goal on Thursday … [Read more...] about Google searches for Vietnam-Syria soar as quarterfinal match nears
Scientists announce excavation results of central province's relics
Viet Nam News BÌNH ĐỊNH — Thousands of ceramic objects were unearthed at an excavation site in the central province of Bình Định, scientists confirmed at a workshop held in the province on Wednesday. Researcher Phạm Văn Tới, former vice rector of the Institute of Imperial Citadel Studies, said in an area of 100sq.m. at Cây Me Hill in Nhơn Mỹ Commune, An Nhơn Town, the excavation team discovered four pottery kilns of the Chăm ethnic minority group. "More than 23,000 ceramic and pottery utensils, building materials, statues and working tools were found at the site," he said. According to scientists, the area used to be a ceramic-producing centre of the Chăms during the 14-15th century. Tới suggests further excavation at the site to understand more about the centre and its role in the then society. The excavation was carried out by Bình Định General Musuem and the … [Read more...] about Scientists announce excavation results of central province's relics
Đồng Nai announces investigations results of floor collapse
A rescue team checks the scene of the accident in the southern Đồng Nai Province. — Photo vungtau.tintuc.vn Viet Nam News ĐỒNG NAI — Southern Đồng Nai Province has announced the investigation results of the concrete floor collapse, which killed two persons and injured two others at a construction site on May 15. The deputy director of the provincial Department of Labour, Invalids and Social Affairs said the concrete floor failed to meet technical requirements. The accident took place on the second floor of the construction site. The floor was made on May 11. It was still wet and lacked supporting pillars. Heavy rainfall and strong winds on May 15 shook the floor, collapsing it. The department is coordinating with the police to investigate the matter and make final conclusions, he added. At 1.30pm on May 15, a group of seven workers … [Read more...] about Đồng Nai announces investigations results of floor collapse
Tax payment of Google & Facebook in Vietnam considered not sufficient
According to the report of the Committee for National Defense and Security about the draft Law on network security, which was introduced in the meeting of the National Assembly on April 4, until now Google and Facebook have not had any official representative in Vietnam yet. As a result, regarding their online advertising activities, tax authorities can only collect tax from revenues earned by their Vietnamese partners / advertising agencies or direct service buyers which are based in Vietnam. Preliminary statistics show that in 2016, on behalf of Google, YouTube, and Facebook, domestic companies paid a tax amount of about VND46.86billion (approx. $2.05million), consisting of VND25.28billion ($1.1million) of value added tax and VND21.58billion ($946,138) of corporate income tax. In the first 9 months of 2017, on behalf of those companies, domestic companies also paid a tax amount of VND73.2billion ($3.2million), including VND39.08billion ($1.71million) value added tax and … [Read more...] about Tax payment of Google & Facebook in Vietnam considered not sufficient
Football success a result of long-term investments
Vietnam U23 captain Luong Xuan Truong (right) competes in the final of the Asian Football Confederation U23 Championship in Changzhou, China, on January 27. (Source: VNA) Hanoi (VNS/VNA) - After the penalty shootout against Qatar in the 2018 Asian Football Confederation (AFC) Under 23 Championship semi-final match that carried Vietnam into the final of the competition for the first time in history, thousands of fans flocked to the streets nationwide to celebrate. It was a historic moment for Vietnamese football and it's a good time to recall the beginning of a journey that began twenty years ago. The scene of thousands of supporters waving golden starred flags was reminiscent of the crowd that painted the streets of Hanoi red on the night of September 3, 1998. Vietnam pulled off a 3-0 shock victory against Thailand in the semi-final game of the Tiger Cup (the former Southeast Asia football championship). Before that night, Vietnam had never managed to beat Thailand, … [Read more...] about Football success a result of long-term investments


text:
271 SCRA 670 – Labor Law – Labor Standards – Wages – Facilities vs Supplements
Norma Mabeza was an employee hired by Hotel Supreme in Baguio City. In 1991, an inspection
was made by the Department of Labor and Employment (DOLE) at Hotel Supreme and the
DOLE inspectors discovered several violations by the hotel management. Immediately, the
owner of the hotel, Peter Ng, directed his employees to execute an affidavit which would purport
that they have no complaints whatsoever against Hotel Supreme. But Mabeza refused to certify
said affidavit with the fiscal's office so this led to her dismissal. She sued Peter Ng and one of
her complaints against him is underpayment because her wage was less than the minimum wage.
Peter Ng argued that the reason for such low payment was because she was being given free
lodging, water, electricity, and water consumption by the hotel.
ISSUE: Whether or not such amenities provided by the hotel be considered as facilities which
are deductible from Mabeza's wage.
HELD: No. There are requisites before such can be done and they are:
1. Proof must be shown that such facilities are customarily furnished by the trade.
2. The provision of deductible facilities must be voluntarily accepted in writing by the employee.
3. Facilities must be charged at fair and reasonable value.
None of these were complied with in the case at bar. More significantly, the food and lodging, or
the electricity and water consumed by Mabeza were not facilities but supplements. A benefit or
privilege granted to an employee for the convenience of the employer is not a facility. The
criterion in making a distinction between the two not so much lies in the kind (food, lodging) but
the purpose. Considering, therefore, that hotel workers are required to work different shifts and
are expected to be available at various odd hours, their ready availability is a necessary matter in
the operations of a small hotel, such as Hotel Supreme.
Davao Fruits Corporation vs Associated Labor Unions, G.R. No. 85073, August 24, 1993; 225
(Labor Standards – Fringe benefits not included in 13th month pay)
Facts: Respondent ALU for and in behalf of all the rank-and-file workers and employees of
petitioner sought to recover from the latter the 13th month pay differential for 1982 of said
employees, equivalent to their sick, vacation and maternity leaves, premium for work done on
rest days and special holidays, and pay for regular holidays which petitioner, allegedly in
disregard of company practice since 1975, excluded from the computation of the 13th month pay
for 1982.
Issue: WON in the computation of the 13th month pay under PD No. 851, payments for sick,
vacation and maternity leaves, premiums for work done on rest days and special holidays, and
pay for regular holidays may be excluded in the computation and payment thereof.
Held: Yes. Basic salary does not merely exclude the benefits expressly mentioned but all
payments which may be in the form of fringe benefits or allowances.
Sec. 4 of the Supplementary Rules and Regulations Implementing PD No. 851 provides that
"overtime pay, earnings and other remunerations which are not part of the basic salary shall not
be included in the computation of the 13th month pay.
Whatever compensation an employee receives for an 8 hour work daily or the daily wage rate is
the basic salary. Any compensation or remuneration other than the daily wage rate is excluded. It
follows therefore, that payments for sick, vacation and maternity leaves, premiums for work
done on rest days and special holidays, as well as pay for regular holidays, are likewise excluded
in computing the basic salary for the purpose of determining the 13th month pay.
Facts: Petitioner was placed by Central Bank of the Philippines (Bangko Sentral ng Pilipinas)
under a conservator for the purpose of protecting its assets. When the respondents ought to
implement the CBA (Sec. 1, Art. 11) regarding the retirement plan and pertaining to uniform
allowance, the acting conservator of the petition expressed objection resulting an impasse
between the petitioner bank and respondent union. The deadlock continued for at least six
months. The private respondent, to resolve the issue filed a case against petitioner for unfair
labor practice and flagrant violation of the CBA.
The Labor Arbiter dismissed the petition. NLRC reversed the findings and ordered the
implementation of the CBA.
Issue: Whether or not the employees who have retired have no personality to file an action since
there is no longer an employer-employee relationship.
Ruling: The Court rules that employees who have retired still have the personality to file a
Retirement results from a voluntary agreement between the employer and the employee whereby
the latter after reaching a certain age agrees to sever his employment with the former. The very
essence of retirement is the termination of employer-employee relationship.
Retirement of the employee does not in itself affect his employment status especially when it
involves all rights and benefits due to him, since these must be protected as though there had
been no interruption of service. It must be borne in mind that the retirement scheme was part of
the employment package and the benefits to be derived therefrom constituted as it were a
continuing consideration of services rendered as well as an effective inducement foe remaining
with the corporation. It is intended to help the employee enjoy the remaining years of his life.
When the retired employees were requesting that their retirement benefits be granted, they were
not pleading for generosity but merely demanding that their rights, embodied in the CBA, be
recognized. When an employee has retired but his benefits under the law or CBA have not yet
been given, he still retains, for the purpose of prosecuting his claims, the status of an employee
entitled to the protection of the Labor Code, one of which is the protection of the labor union.
Producer's Bank of the Philippines v. NLRC [GR 100701, March 28, 2001]
Wednesday, January 28, 2009 Posted by Coffeeholic Writes
Labels: Case Digests, Labor Law
An employer cannot be forced to distribute bonuses which it can no longer afford to pay, a bonus
is an amount granted and paid to an employee for his industry and loyalty which contributed to
the success of the employers business and made possible the realization of profile. It is an act
ofgenerosity and is a management prerogative, given in addition to what is ordinarily received by
or strictly due the recipient. Thus, it is not a demandable and enforceable obligation, except when
it is made part of the wage, salary or compensation of the employee.
The conservator was justified in reducing the mid-year and Christmas bonuses of
petitioner's employees. Ultimately, it is to the employee's advantage that the conservatorship
achieve its purposes otherwise, the closure of the company would result in the employees losing
their jobs.
PD 851 requires all employees to pay their employees a basic salary of not more than P1, 000 at
13th monthly pay. However, employees already paying their employees a 13th month pay are not
covered by the law. The term "equivalent" shall be constructed to include Christmas bonus, mid
year bonus, cash bonuses and other payments amounting to not less than 1 /12 of the basic
salary. The intention was to grant relief to those not actually paid a bonus, by whatever name
called. Thus, petitioner is justified in crediting the mid year bonus and Christmas bones as part of
the 13th month pay.
The divisor used by petitioner in arriving at the employee's daily rate for the purpose of
computing salary related benefits is 314 days. This finding was not disputed by the NLRC.
However, the divisor was for the solepurpose of increasing the employee's overtime pay and was
not meant to replace the use of 314 as the divisor in the computation of the daily rate for salary –
related benefits.
PRODUCERS BANK vs. NLRC and PRODUCERS BANK EMPLOYEES ASSOC DIGEST
ISSUE: WON respondent is entitled for the payment of the above-mentioned monetary claims,
particularly BONUS.[Hindi ko na po sinama ung ibang issues]
HELD: As to the bonuses, private respondent declared in its position papers filed with the
NLRC that –
1. Producers Bank of the Philippines, a banking institution, has been providing several benefits
to its employees since 1971 when it started its operation. Among the benefits it had been
regularly giving is a mid-year bonus equivalent to an employee's one-month basic pay and a
Christmas bonus equivalent to an employee's one whole month salary (basic pay plus
2. When P.D. 851, the law granting a 13thmonth pay, took effect, the basic pay previously being
given as part of the Christmas bonus was applied as compliance to it (P.D. 851), the
allowances remained as Christmas bonus;
3. From 1981 up to 1983, the bank continued giving one month basic pay as mid-year bonus,
one month basic pay as 13thmonth pay but the Christmas bonus was no longer based on the
allowance but on the basic pay of the employees which is higher;
4. In the early part of 1984, the bank was placed under conservatorship but it still provided the
traditional mid-year bonus;
5. By virtue of an alleged Monetary Board Resolution No. 1566, bank only gave a one-half (1/2)
month basic pay as compliance of the 13thmonth pay and none for the Christmas bonus.
Respondent's Contention: that the mid-year and Christmas bonuses, by reason of their having
been given for thirteen consecutive years, have ripened into a vested right and, as such, can no
longer be unilaterally withdrawn by petitioner without violating Article 100 of Presidential
Decree No. 4429 which prohibits the diminution or elimination of benefits already being enjoyed
by the employees. Although private respondent concedes that the grant of a bonus is
discretionary on the part of the employer, it argues that, by reason of its long and regular
concession, it may become part of the employee's regular compensation.
Petitioner asserts: that it cannot be compelled to pay the alleged bonus differentials due to its
depressed financial condition, as evidenced by the fact that in 1984 it was placed under
conservatorship by the Monetary Board. According to petitioner, it sustained losses in the
millions of pesos from 1984 to 1988, an assertion which was affirmed by the labor arbiter.
Moreover, petitioner points out that the collective bargaining agreement of the parties does not
provide for the payment of any mid-year or Christmas bonus. On the contrary, section 4 of the
collective bargaining agreement states that –
Acts of Grace. Any other benefits or privileges which are not expressly provided in this
Agreement, even if now accorded or hereafter accorded to the employees, shall be deemed
purely acts of grace dependent upon the sole judgment and discretion of the BANK to grant,
modify or withdraw.
A bonus is an amount granted and paid to an employee for his industry and loyalty which
contributed to the success of the employer's business and made possible the realization of
profits. It is an act of generosity granted by an enlightened employer to spur the employee to
greater efforts for the success of the business and realization of bigger profits.12 The granting
of a bonus is a management prerogative, something given in addition to what is ordinarily
received by or strictly due the recipient.13 Thus, a bonus is not a demandable and
enforceable obligation,14 except when it is made part of the wage, salary or compensation
of the employee.15
However, an employer cannot be forced to distribute bonuses which it can no longer afford
to pay. To hold otherwise would be to penalize the employer for his past generosity. Thus,
in Traders Royal Bank v. NLRC,16 we held that –
It is clear x x x that the petitioner may not be obliged to pay bonuses to its employees. The
matter of giving them bonuses over and above their lawful salaries and allowances is entirely
dependent on the profits, if any, realized by the Bank from its operations during the past year.
In light of these submissions of the petitioner, the contention of the Union that the granting of
bonuses to the employees had ripened into a company practice that may not be adjusted to the
prevailing financial condition of the Bank has no legal and moral bases. Its fiscal condition
having declined, the Bank may not be forced to distribute bonuses which it can no longer afford
to pay and, in effect, be penalized for its past generosity to its employees. –
Private respondent's contention, that the decrease in the mid-year and year-end bonuses
constituted a diminution of the employees' salaries, is not correct, for bonuses are not part of
labor standards in the same class as salaries, cost of living allowances, holiday pay, and leave
benefits, which are provided by the Labor Code.
This doctrine was reiterated in the more recent case of Manila Banking Corporation v. NLR1
Petitioner was not only experiencing a decline in its profits, but was reeling from
tremendous losses triggered by a bank-run which began in 1983. In such a depressed
financial condition, petitioner cannot be legally compelled to continue paying the same
amount of bonuses to its employees. Thus, the conservator was justified in reducing the
mid-year and Christmas bonuses of petitioner's employees. To hold otherwise would be to
defeat the reason for the conservatorship which is to preserve the assets and restore the
viability of the financially precarious bank. Ultimately, it is to the employees' advantage
that the conservatorship achieve its purposes for the alternative would be petitioner's
closure whereby employees would lose not only their benefits, but their jobs as well.
FACTS: Petitioner Vinoya was hired by RFC as sales representative. He avers that he was
transferred by RFC to PMCI, an agency which provides RFC with additional contractual
workers. In PMCI, he was reassigned to RFC as sales representative and then later informed by
the personnel manager of RFC that his services were terminated. RFCmaintains that no
employer-employee relationship existed between petitioner and itself. Petitioner
filed complaint for illegal dismissal. RFC alleges that PMCI is an independent contractor as the
latter is a highly capitalized venture.
ISSUE: Whether or not petitioner was an employee of RFC and thereby, illegally dismissed.
HELD: Yes. PMCI was a labor-only contractor. Although the Neridoctrine stated that it was
enough that a contractor had substantial capital to show it was an independent contractor, the
case of Fuji Xerox clarified the doctrine stating that an independent business must undertake the
performance of the contract according to its own manner and method free from the control of the
principal. In this case, PMCI did not even have substantial capitalization as only a small amount
of its authorized capital stock was actually paid-in. Also, PMCI did not carry on an independent
business or undertake the performance of its contract according to its own manner and method.
Furthermore, PMCI was not engaged to perform a specific and special job or service, which is
one of the strong indicatorsthat is an independent contractor. Lastly, in labor-only contracting,
theemployees supplied by the contractor perform activities, which are directly related to the main
business of its principal. It is clear that in this case, the work of petitioner as sales representative
was directly related to the business of RFC. Since due to petitioner's length of service, he
attained the status of regular employee thus cannot be terminated without just or valid cause.
RFC failed to prove that his dismissal was for cause and that he was afforded procedural due
process. Petitioner is thus entitled to reinstatement plus full backwages from his dismissal up to
actual reinstatement.