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Last year, we got to discover the magic of a ski holiday with Club Med and in 2016 we changed it up, by opting for a beach escape in stead. I'd like to let you in on why we will totally do it again, how to know if this is something you'd enjoy & what to do when you're planning a visit.
Oh, and my dear husband made a lovely holiday video (just like last time) so you can also just make up your own mind!
So, why Mauritius?
Well, we didn't want to fly far, since we only had a week to get away before the year really takes off. We also certainly didn't want to deal with visa's, jet lag (which is a thing, for me at least!) or multiple stopovers. We love those jam packed adventure and sight-seeing holidays as well, but this needed to be the exact opposite.
We also wanted direct shuttle transfers, all of our meals, snacks, drinks, activities and entertainment included and we wanted to have a perfectly tropical beach, right on our doorstep, to top it all off.
Would we do it again?
In a heartbeat. This was only my first time to Mauritius, but my 4th tropical beach holiday (I've been to the Seychelles once, Thailand twice) and it was equal to anything else I've experienced in some respects and even better in quite a few!
Whereas Club Med La Pointe aux Cannoniers is a family resort par excellence, we had an amazingly luxurious suite with a gorgeous private day bed, beautiful beach-side dinners, alllll of the piña coladas and splendid quiet sunsets from the beach loungers right in front of our room.
But hey, don't take my word for it – have a look at our holiday video & decide for yourself.
Is that something you can see yourself doing? Well, then I've got some tips for you:
- Ask for a room to the northern side of the resort. We stayed in the block called Flic en Flac, where there is a lovely secluded beach. There is plenty of beach real estate on offer at this resort, all around, but there is certainly more water sport activity on the southern side.
- Try the coconut ice cream. They serve a whole range of flavours at lunch and at dinner. Although they're all great (yes, I ate my way through the entire offering!) the coconut had me hooked.
- Go sailing. I really didn't think I'd enjoy it as much as I did. Ask for Gael, the very friendly sailing GO. He gave us some pointers, even though we were total novices out on the water.
- When you book with Club Med, your exchange rate is locked down as soon as you pay the deposit. Book earlier, rather than later.
- Although there are 3 snorkel boat trips to the edge of the reef in a glass bottomed boat every day, free of charge (highly recommended), also keep an eye out when you're swimming right up close to the beach. Bright and beautiful fish often pop up out of nowhere and the water is so clear that if you just look, you might be lucky enough to not even need goggles.
- Wear sunscreen. And keep your after sun cream in your room fridge 🙂


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Dearest Customer of Kota Kasablanka
Giving excellent services to customers is our utmost priority. As a token of appreciation for our loyal customers, We present to you PG Card program. PG Card, is a Customer Privilege Card, gives extra value and benefit to our loyal costumers, such as various store discounts, special offers, point redemptions, lucky draw and many more privileges, especially catered for you.
We would like to thank all our loyal customers and wish that you always have a great shopping experience in Kota Kasablanka.
Experience Life in Kota Kasablanka
Light Up The Color of Your Life
Get Your PG Card for every spending of Rp 500.000,- (five hundred thousand rupiah) max. combined of 2 (two) shopping receipt with min. transaction per receipt Rp 100.000 (one hundred thousand rupiah), by filling up application form and show your valid ID at Customer Service Counter / Concierge.
For every spending of min. Rp 100.000 (one hundred thousand rupiah) per receipt, you earn 1 (one) PG Card point. For spending at electronic, gadget, furniture, jewelry, and supermarket min. Rp 1.000.000,- (one million rupiah), you earn 1 (one) PG Card point.
PG Card points are valid until 31 December.
All points earned from 1 Jan 2020 – 30 June 2020 are valid until 31 December 2020.
All points earned from 1 July 2020 – 30 June 2021 are valid until 31 December 2021.
Redeem Your PG Card Point
Power Bank
500 Points
Foldable Bag
300 Points
200 Points
Vacuum Flask
250 Points
150 Points

subset: commoncrawl


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The Law Offices of Jeffrey S. Ogilvie and Associates
Jeff Ogilvie is an Attorney who has been successfully practicing law in Redding since 1992. Jeff has been a resident of Shasta County since 1970. Prior to moving to Shasta County, Jeff attended the University of California at Berkeley, earning Bachelor's and Master's Degrees. His law school attendance at Berkeley was interrupted by service in the U.S. Army including deployment in Vietnam. After discharge from the Army, Jeff returned to Shasta County to join the family agribusiness, marry, and help raise three children, all of whom graduated from Redding high schools. Business activities during this period included Agribusiness (Raising strawberry plant nursery stock sold worldwide) and real estate development. After a relatively amicable divorce in 1987, Jeff attended Cal Northern School of Law, earning a Juris Doctorate Degree. He is licensed to practice law in the state of California and also practices in Federal court in the Eastern District of California.
In 1995 Jeff married. He is a dedicated husband, father, stepfather and grandparent. Jeff's education, skill, experience, maturity and "life experience" have all helped to make him an excellent attorney who is able to understand the potential consequences and the emotions which his client must confront in dealing with legal issues. Jeff's goal in assisting clients is to listen to the client, to analyze and to explain the legal options available, and to apply skill, experience and dedication to achieve the best possible result for each client. Jeff's skill and experience are supplemental and enhanced by continuing legal education greatly exceeding California State Bar requirements.
Wendy Goodman is the Office Administrator and Senior Paralegal at the Law Offices of Jeffrey S. Ogilvie & Associates. Wendy has been a valued team member since 2008. In addition to office management, Wendy's usual focus is on Family law and Probate Law. Wendy moved to Shasta County in 2007 where she earned her degree by graduating from the Paralegal Program at Shasta College in 2009. Wendy is a loving mother, dedicated employee, and valued asset to the Law Offices of Jeffrey S. Ogilvie & Associates.
Shyla Campbell has been our Bankruptcy and Financial Negotiation Senior Paralegal at the Law Offices of Jeffrey S. Ogilvie & Associates since 2008. Shyla attended Shasta College and received the Office Administration Associates Degree. Shyla has been a resident of Shasta County for 13 years. She is happily married and raising three wonderful children. Shyla enjoys the beautiful lakes and outdoor activities of Northern California. Shyla is a dedicated employee, always going that extra mile for our clients.
Kayla Link ia a receptionist at the Law Offices of Jeffery Oligive & Associates. Kayla is a valued team member and provides excellent service to our clients.
The general information presented on the website does not constitute the giving of legal advice in your specific case. The law is complex, and the facts of your particular situation may contain exceptions to general rules. You should avail yourself of the option of the free initial consultation to discuss the particular facts in your case. Do not take legal action upon reliance of the information contained in this website without first conferring with a licensed attorney.


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The Garden Centre only will be open, from Wednesday to Sundays only 9am-5.30pm
- closed on Mondays and Tuesdays to allow our team to restock the store and prepare Click and Collect Orders and Deliveries. (Ignore times in right hand panel!) Steff's Kitchen remains closed for the time being. More information on the Fairweather's website
But you should be able to start to pick your plants for the summer and beyond and perhaps starting with:
Fairweather's is the largest grower of Agapanthus in the UK and has a collection of over 300 cultivars approved as a National Collection.
Whether grown in the ground or in a container, agapanthus bloom best in full sun. Colours include bright blue but they come in many shades of blue and purple and there are some white ones too. The plants are about 2 feet tall but the flower stalks rise up above the foliage, growing to be a striking 3-4 feet high. http://fairweathers.co.uk/agapanthus-advice-how-to-grow/
Most Agapanthus bloom for around 6 weeks, however 'Flower of Love' has been specially bred to be much more floriferous for an incredible 10-12 weeks, starting around mid-July.
Regal and romantic. Many strong stalks are capped with clusters of open, trumpet-shaped blooms, creating spherical flower heads that almost seem to float above the strap shaped foliage.
Thick fleshy roots store fluid and nutrients to enable these low-maintenance plants to flourish in poor dry soils, whether in containers or borders.
Excellent as cut flowers, lasting well in a vase.
Fairweather's Garden Centre is a large plant and garden centre, in the centre of Beaulieu, with plenty of parking. Owned and managed with passion and expertise by the Fairweather family. Large outdoor plant area with wide range of plants backed up by expert advice and a 5 year guarantee on all hardy plants sold. Well stocked garden shop, and comfortable cafe Steff's Kitchen to take a well earned break. Patrick's Patch is an inspiring, educational and productive garden adjacent to the garden centre.
Steff's Kitchen is one of the most popular places to eat in the New Forest, with its warm and friendly welcome and home cooked food. From warm scones straight out of the oven to hearty soups, everything is freshly prepared. Local ingredients are used wherever possible, including local free range eggs, sausages and ham. Vegetables are largely sourced from within the New Forest area and often taken direct from Patrick's Patch over the road. In the summer enjoy garden-fresh salads made from leaves and vegetables picked the same morning.
Outdoor seating area is always open whatever the weather, so dog walkers have somewhere to sit with their canine companions and with the addition of our new dog umbrella, no one gets wet, the perfect New Forest Cafe stop!
Breakfast is served from 9am to 11:30am. Hot lunches are from 12pm to 3pm. Cold lunches are from 11am-4pm. Cakes and drinks are served all day, 9am to 5pm.
Patrick's Patch is an inspiring, educational and productive garden that Fairweather's have built adjacent to the Garden Centre in Beaulieu High Street – it's free to enter but any donations given go to the NGS (National Gardens Scheme). Year round the team grow a wide range of vegetables, fruit, herbs and cut flowers that are used in the Fairweather's café, Steff's Kitchen. Free courses are held regularly, for details and book online visit www.fairweathers.co.uk
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Please check with your local bookstore.
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All wrapped up: An international guide to contemporary packaging design
Packaging is a highly underrated art form. As the first thing a consumer sees when looking at a product, the packaging can make or break a sale. Every year, the Pentawards celebrate the art of the package by presenting awards to designs from around the world. Designers compete in five main categories—beverages, food, body, luxury, and other markets—and no fewer than 50 sub-categories. Featuring a selection of hundreds of works, this book brings together Pentawards winners from 2008 to 2016, providing a vivid demonstration of creativity in every form of packaging. Readers will discover, through product descriptions and plenty of images, what drives design industry leaders and agencies behind these creations which are so much part of our everyday lives. This well of inspiration is not just aimed at design and marketing professionals but anyone with an interest in the creative process of packaging. "Blurring the lines between marketing and art, this publication is a hardcore pop culture bible." — Plastik, Beirut The editors: Pentawards, founded by Jean Jacques and Brigitte Evrard, both designers, is the first and only worldwide competition dedicated to packaging design in all its forms, and is open to anyone associated with its creation and/or marketing. Aside from prize-giving, Pentawards' mission is the worldwide promotion of packaging design among companies, media, economic and political authorities, and the general public. Julius Wiedemann studied graphic design and marketing and was an art editor for newspapers and design magazines in Tokyo before joining TASCHEN in 2001. His titles include the Illustration Now! and Record Covers series, as well as the infographics collection and books about advertising and visual culture.


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I got a bit of a rocky start at motherhood – as I'm sure all first-time moms do. I mean, seriously – the sleep-deprived struggle, postpartum recovery, and breastfeeding stint was a real challenge. Not to mention – I put so much pressure on myself to be the ultimate wife and mother during those early days that it eventually had me in a paranoid, anxious, guilty state-of-mind that I never want to return to.
Becoming a parent forced me to realize that I need to be my best self (physically + mentally) to take care of my family. I want to be healthy – physically, mentally, emotionally, spiritually, financially… and, I want the same for my household.
I am sure you've read about, heard about – or, even dabbled in the use of essential oils for physical and emotional health… and, you're probably skeptical.
"Are they worth the money? Do they even work?" YES!
Now – I'm no advocate for the fake-cosmetic-fragrance-stuff they sell at Target in the beauty aisle or the BOGO "oils" at Walgreens with the shelves of vitamins. (Trust me: I tried those – they aren't potent… they aren't pure… they aren't REAL – and, they actually made my nose itch.)
Since I started diffusing 100% pure therapeutic-grade oils – I'm more present with my family, less frustrated + more uplifted – and, I get quality sleep (when I do happen to catch some Zs). My husband has even noted that I seem less (if at all) of the anxious parent that I started out as during those early days.
So – I am no salesperson… and, I wouldn't want my blog to turn into a running sales pitch. I am, however, an advocate for strong, healthy, happy parents (specifically, da mamas) – and, I just want to share how I'm changing my life in the hopes that you would like to change yours as well.
Click here to hop on the oily train!
*With a Premium Starter Kit – you'll get (11) essential oils, a diffuser, a bunch of different samples, and a wealth of information on how to use your oils!
Do you use essential oils? What are some of your favorites?


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A cop, a Brit, a deb, a B-school grad, a guy with good hair, and a wisecracking lawyer wrestle with the naked truth about literature and life.
Tuesday, June 09, 2009
Books, Books, and More Books
Some people read one book straight through, then go on to the next. ">Maybe it's my Attention Deficit Disorder, but I hop from one book to another and back again. I sample writers' work by reading a few chapters, sometimes for pleasure and sometimes to learn.
How far into the story is the inciting incident? How many characters does the writer crowd into one scene? Where does Act I end? Is the story fresh? Are the characters distinctive and real? Are the plot twists logical? In crime fiction, has the writer played fair with the reader? Is there any glimmer of humor? Is character development woven smoothly into plot (and vice versa)? Do the characters talk like real people? How's the pacing? Does the writing pack punch? And of course, how are the sex scenes?
So, here's what's on my desk and nightstand:
BOOKS I'M READING AGAIN: "Thy Neighbor's Wife" by Gay Talese; and "On Writing" by Stephen King.
BOOKS I'M READING FOR RESEARCH: "Havana Nocturne" by T.J. English; "Sins of South Beach" by Alex Daoud; "Cuban Miami" by Robert Levine and Moises Asis; "Tough Jews" by Rich Cohen; and "Tropical Deco" by Laura Cerwinske.
BOOKS I'M READING FOR PLEASURE: "Blue Heaven" by C.J. Box; "The Winter of Frankie Machine" by Don Winslow; "Between Meals" by A.J. Liebling; and "The Palace Thief" by Ethan Canin.
BOOKS I'M DYING TO READ: "The Human Disguise" by James O'Neal, so titled apparently because his alter ego James Born is in the Witness Protection Program; "Strong Enough to Die" by Jon Land; and "The Guernsey Literary and Potato Peel Society" by Mary Ann Shaffer and Annie Barrows.
So what are you guys reading, or have just read, or must read before you die?
IN OTHER LITERARY NEWS: Alaskan stud muffin Levi Johnson, the unemployed high school dropout who is the father of Bristol Palin's love child, has hired a lawyer to shop his memoirs.
ARE WE A NATION OF FATTIES OR WHAT? On this week's New York Times "advice and how-to" bestsellers, six of the top ten are diet books, including number one: "Cook Yourself Thin" by the staff of Lifetime Television. Yummy.
IS JAMES BORN "INTRIGUING?" In the current issue of Florida Magazine, our James Born was selected as one of the 21 Most Intriguing Floridians. I know what you're thinking. Florida must be a very boring state. At least the magazine didn't try to tell us that Jim is:
THE MOST INTERESTING MAN IN THE WORLD: That title belongs to the suave gent in the Dos Equis commercials.
All joking aside, it's a great honor for our Jim, who, like the Don Equis man, leads a life so interesting, he lives vicariously through himself.
18 comments:
- Anonymous6/09/2009 8:12 AM
Here in Sopchoppy, FL, we wouldn't mind seeing Jimmy Born in one of those cop/firefighter calendars, showing some skin.ReplyDelete
But then we auction off prize bull semen at the county fair, too.
Helen B.
Currently reading/read: "Women of the OSS: Sisterhood of Spies" by Elizabeth P. McIntosh; "Nancy Wake: SOE's Greatest Heroine" by Russell Braddon; "Between Silk and Cyanide: A Codemaker's War 1941-45" by Leo Marks.ReplyDelete
Want to read really soon: "Hardboiled Hollywood: The Origins of the Great Crime Films" by Max Decharne.
Want to reread: "On Writing" by Stephen King.
Should be reading for reasearch: "Twilight of the Mammoths: Ice Age Extinctions and the Rewilding of America" by Paul S. Martin; "After the Ice Age: The Return of Life to Glaciated North America" by E.C. Pielou.
Would really, really rather be sinking my mental teeth into a new Jacqueline Winspear, James O'Neal, or other toothy crime fiction.
I'm reading History Begins at Sumer by Samuel Noah Kramer...hmnp...i'm not even sure why I haven't stop reading it yet...it so...ReplyDelete
I'm dying to re-read the Harry Potter books. Hopefully I can get them soon.
Congrats to James O!!!!!!ReplyDelete
I'm reading Messenger of Truth by Jacqueline Winspear.
I read Frankie Machine and almost every other book written by Don Winslow. He is an accomplished writer with a unique narrative voice.
A memoir by studmuffin Levi? I think I'll pass.
- Anonymous6/09/2009 10:20 AM
I would vote for Mr. Born as the best public speaker in Florida. He is a really good teacher.ReplyDelete
- James O. Born6/09/2009 11:02 AM
I love Sopchoppy.ReplyDelete
Isn't sopchoppy a stew with gator meat and swamp cabbage?ReplyDelete
Oddly enough, I AM reading "The Human Disguise" by whatsisname.ReplyDelete
I'm also reading "His Excellency" a biography of George Washington.
Then, setting aside the 4 or 5 magazines and 4 newsletters (at least) that I'm buried under, I'm looking forward to reading:
Horse Soldiers by Doug Stanton
Step by Step by Lawrence Block
The Disappeared by Kristine Kathryn Rusch
Shockball by SL VIehl
Walking Dead by Greg Rucka
Dead Silence by Randy Wayne White
The Chaco Meridian by Stephen Lekson
and pretty much everything else that passed under my radar screen.
- Anonymous6/09/2009 12:51 PM
Does this mean there are only 23 people in Florida?ReplyDelete
- James O. Born6/09/2009 3:19 PM
Someone needs to fess up to the last comment. That's good.ReplyDelete
Oddly enough, Jim Born is also 21st on my list of the most interesting people I know.ReplyDelete
What I'm reading? Beast of Burden by Ray Banks.
What Marianne's list has inspired me to read: Women of the OSS.
What I'm reading for work: Classroom in a Book for Flash CS4.
Next up: The Fortune of War by Patrick O'Brian.
- Anonymous6/09/2009 4:55 PM
From JacquelineReplyDelete
I'm in the midst of reading some great books about California, written in 1913/14 (that'll get you thinking), a book about the relationships between Kaiser Wilhelm, George V and the last Tsar of Russia - cousins all. I'm about to start Isabel Allende's new memoir, and I have a raft of books about the British secret service in the Second World War on the go. I'm also reading up on the Festival of Britain in 1951.
And if I don't meet my fast-approaching deadline, I could be reading instructions on how to apply for welfare, which is why all of those books are currently languishing waiting for me to go back to them with some serious reading intentions.
Also, had to drive up to the Bay Area from Ojai today, so was listening to "Here, There and Everywhere," a great memoir written by the sound engineer who worked on Revolver and Sergeant Pepper's Lonely Hearts Club albums by the Beatles. It's really, really interesting, and this from someone who never thought she would find the language of sound engineering compelling.
Jacqueline, if you ever need reference books for the SOE/OSS during WWII, I've got a good few on my book shelf. :-DReplyDelete
David, it's a fascinating read. But Leo Marks 'Between Silk and Cyanide' is riveting in places.
Love reading this stuff. :-D
- Anonymous6/09/2009 6:26 PM
I'm reading Like Water For Elephants and love it.ReplyDelete
I think all of you naked authors are intriguing. Don't top for the summer again.
Lil, I LOVED Water for Elephants. Many people don't realize this but it's a murder mystery that isn't revealed until the end. I was blown away by the conclusion.ReplyDelete
Please, plase, send me your list of reference for the OSS WWII. I would be in your debt.
Just finished reading Andrew Grant's debut and Caitlin Kittredge's first book in her new series.ReplyDelete
Now I'm reading the upcoming Susan Hill, "Vows of Silence" I believe is the title.
Then on to John Connolly's "The Lovers", because I'm WAY behind in my reading.
But I do so love my homework for my job! Not nearly enough time, I'm afraid!
I wish I did have more time, though, because I'd go back and read all the David Eddings work. I understand he just passed away, and that saddens me no end.
Yawn to Levi, but Big Congratulations to Mr. Born!
David, dearest: I have more SOE than OSS, sorry to say. But the Women of the OSS book I'm currently reading quotes from myriad memoirs that are all footnoted in an index at the back. You could add to your list of wanna reads from that. :-D I have some vintage memoirs from SOE.ReplyDelete
The recent books - including the Nancy Wake copy to replace my lost vintage one - all came from Foyles bookstore in Charing Cross Road in London. Their military section is to die for, and they have a great memoir section. I spent a scant 20 minutes there before closing one night, and came away with four books...
I have to compile some information and anecdotes for Highgate Cemetery as my grandad in law is buried there and had some WWII experiences as a chef in London during the blitz. Highgate was interested to add to their info on interesting internees.
Will dig out some info for you, David, if I can...


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Leadership refers to a process, whereby a person influences others to attain a common goal. The aim of this paper is to show the various effective leadership qualities and their effects as used in the organization. It starts by identifying an organization that has a leader who exhibits the effective leadership qualities and styles. It describes the history of the organization and its achievements under the leadership of the leader. It then explains the leadership styles of the leader and how he applies them. It also goes ahead to expound on the effects of each of the leadership styles in the organization. This it does by explaining the results as seen in the organization, which can be the relationship between the management and the employees. It ends by summarizing the main leadership styles and the overall impact (Northouse, 2009).
An Overview of Riverbank savings and Credit SACCO
Riverbank is a micro-finance institution in East-Africa in the capital city of Kenya, Nairobi and was started in 2000 as a self-help group. The Micro-Finance industry in Kenya is rapidly growing, as currently it has over 60 institutions. This includes wholesale and retail MFI's, microfinance banks and development institutions. The servers over 6.5 million clients and has an outstanding loan portfolio of over 310 million dollars. When Riverbank started, it had only seven members who loaned to each other based on trust and type of business. The venture has grown over the years and currently it has a membership of over five thousand (AMFI, n.d).
Today it not only provides loaning services to its members but also offers insurance services as well as keeps savings. Under the leadership of the Mr. Sam Odhiambo, the company's CEO, the SACCO has been focusing on improving the lives of the economically disadvantaged in the society. This has led it to offer loans not based on collateral but on client's character, the business' cash flow and loan conditions. At the top of the leadership structure is the board of governors, followed the chief executive Officer, then the departmental managers. The managers head their respective departments, which include Sales and Marketing, finance and Accounting, Information Technology and Loans and Accounts Management Departments (Riverbank SACCO, n.d).
Leadership Qualities of the CEO
The Chief Executive Officer of Riverbank Credit stands out as a leader for his excellent leadership qualities. He has steered the company from a membership of seven back in 2005 to now that it has over 6000 members just within the capital city and its environs. He has able to make decisions that have seen the company change its operations, making it the leading multi-sector SACCO in Kenya. As most micro-fiancés run bankrupt especially during the 2009 recession, the company emerged stronger and gained more market share. These successes are attributed to the leadership qualities of the CEO, which are explained as under (Riverbank SACCO, n.d).
A good leader must have a clear sense of purpose of where he wants to lead his followers. He must also be able to communicate the vision clearly his followers so that they may understand where they are required to go. They should also to be made to understand their role in achieving the vision. A great leader should be able to single mindedly work towards achieving the vision as well as direct the actions of the team towards the goal. Mr. Sam Odhiambo the CEO stands out as a forward-looking person. This is because he has cultivated the habit of planning in the organization. At the beginning of every year, he sets out targets together with his employees of what they should achieve by the end of the tear. This is often followed by regular evaluation of progress. Every morning he challenges employees to write down what they were planning to achieve at the end of the day. He then asks them to do a weekly evaluation of their accomplishment based on the set targets (Adeniyi, 2007).
Due to his visionary leadership, the company has been able to determine the market trends and made appropriate adjustments in time. For instance, he was able to identify a potential market in the middle and low-income sectors, as most banks were reluctant to doffer them loans due to their inability to secure collateral. He then changed the companies operations to focus on the economically disadvantaged, where the SACCO offers loans without collateral. In fact the mission of the company was changed, hence it read striving to become the leader in financial services to the economically disadvantaged. This was after he observed that most Kenyans where entrepreneurial yet they lacked start-up capital to achieve their dreams (Stronge, Richard & Catano, 2008).
It refers to a high level of moral reasoning as well as ethical awareness. A leader needs to be trustworthy and honest, whereby he cannot allow unethical behaviour to be carried out under his watch. It requires that the person be willing to take ethical actions even if such actions might be expeditious to the organization or its members (Porter-O'Grady & Malloch, 2003). Riverbank's CEO has in many occasions found himself in situations that involve ethical dilemma. However, in most cases he has opted for the ethical option. For instance, when the organization introduced cloud-computing technology, customers repaying their loans ended up paying amounts exceeding their required figures. This error occurred because of miscalculation by the company employees, as they were still adapting to the new system. When he discovered that he ordered that the excess amounts be refunded, yet the customers were not even aware of the error (Davis, 2010)
This earned the company a good reputation, as most micro-finances are associated with swindling of customer's savings and burdening clients with unfair loan charges. In fact, he is regarded as the Chief ethical officer in the organization. Though this is not an official position, he has earned the title, due to his honesty when dealing with disputes. For instance, he is always willing to admit when he is wrong. A case in point is when; he helped in the introduction of a new method of computing loan charges, which was penalizing clients who delayed in repayment. The method led to conflicts between the clients and the marketing officers who were explaining to the clients. However, when the method failed, he was quick to absolve the marketing team and owned the mistake. This has increased the employee's commitment in the organization (Ciulla, 2004).
An effective leader is one who is able to inspire and influence his followers to achieve a certain goal or objective. People are always seeking to be inspired. Therefore, they will follow a leader who is inspiring even if he has no other leadership traits. This is opposed to being bossy and driving fear in to people to make tem accomplish an objective. It means being able to paint the resultant picture if the task a hand is accomplished. Enabling the followers to understand how their efforts in to the job will change the world. The CEO at River is an inspirational person. It is seen by his ability to inspire his employees to work passionately toward the organizational goals. He always challenges them to make a positive impact in the world and suggests that Riverbank is the avenue through which each of them can do so (Bell, 2006).
He continually presents to the employees' real life stories of clients whose lives have change after dealing wit Riverbank. He always acknowledges that they contribute in that change. This has in turn inspired workers to employ an extra effort not for pay but to see to it that customers are satisfied. For instance, marketers organize private appointments with their clients who want extra explanation on the company's products. This the marketers do when they are off-duty, such weekends. This has in turn resulted increased customer care at no increased financial cost to the company. Customer satisfaction has also increased as shown by the increased positive customer feedback (Rees & Spignesi, 2010)
This refers to the ability to outline the expectations clearly, hence avoiding any misunderstandings. In order to attain the required outcomes a leader must be assertive. His is opposed to aggressiveness, as the leader has a responsibility of understanding what his followers expect from him. At times leaders will be required to use their assertive qualities to getting things done as expected. Followers are likely to take advantage of unassertive leaders, because such leaders will not be firm on a given position. Some followers might try to get away with mistakes, as they know that the leader can be easily convinced against his position (Kirst-Ashman & Hull, 2008).
Mr. Sam Odhiambo knows to be assertive wit moderation when necessary. He understands that his employees consider him as understanding. Therefore, they will occasionally try to carry out activities that are not in line with the organizations policies and aspirations. Therefore, the CEO always intervenes by clearly stating the position of the organization. For instance, there is a time he discovered that marketing officers were not going for fieldwork in the afternoon; instead, they were attending to their private commitments. They explained that they had covered there areas in the morning sessions. The CEO categorically stated that that was against the company's requirements. He went further to assign each marketing officer to a collection officer, to be collecting loan repayments from customers in the afternoon. This was not well received by the marketing officers, as they took it as an unfair recommendation. However, after two weeks of implementation the marketing officers were serving the clients diligently. This was because they did not hurry through the marketing activity to get a free time in the afternoon (Clark, 2003)
Care for People
This is whereby a person is wager and willing to get the other person's story. Caring leadership is an important ingredient because; followers will only be caring if their leader is also caring. As the leader demonstrates his genuine concern for others, he will win the loyalty of his followers and they will in turn be committed to his goals. In an organization care for people involves showing respect to employees no mater the level, being committed to the growth and development of workers, not making unrealistic demands and focusing on empowerment of employees rather than control. This will improve relations between the leader and the his followers (Wilson, Lenssen & Hind, 2006)
The CEO has shown concern for his employees in many occasions, whereby he has gone out of his way to find out how the employees are doing. For instance, there was a time when my performance at work was going down drastically, he therefore got concerned and asked me for a date in one of the weekends. I met him in one of the hotels I town, where I found him waiting for me. He then asked me in a polite way to tell him whether there was something that was disturbing me. Amazed by the level of kindness, I opened up to him, told him that my father was seriously sick, and had been admitted in hospital. He offered to come with to the hospital to visit him and promised to foot half of the medical bill. Later I learnt that he had done similar acts to other employees when they were in problems. This has in turn increased the relationship between the employees and the CEO; therefore, they are always willing to share anything that affects their job with him (Dimock & Devine, 1994).
Communication and Openness
This is whereby information is passed to the required person as and when required. It is an important aspect of leadership because those led need to be updated of what is taking place and the direction the leader is taking them. This includes crisis communication, whereby the leader informs his followers in times of problems of what has happened, the effects and what actions are to be taken. Communication also helps the followers to feel as part of the project. This is because they are aware of what is happening around them, what is required of them and their contribution. In addition, the leader must be open to divergent views to promote communication (Miller, 2008).
At Riverbank, the CEO has instilled the spirit of two-way communication, whereby suggestions are always welcomed from all directions. He has instituted mechanisms through which the employees can be informed of what is happening and the employees can air out their concerns through the same avenue. For instance, there is a daily briefing meeting in each department in the morning before anyone starts working. Through these meetings, communications from the CEO are passed to the employees by the departmental heads. At the same time, the employees can ask questions as a follow up to their queries to the CEO. Reports are then taken to the CEO of what took place at the meting. No employee can be penalized for saying anything in this meeting provided it is not offensive. The CEO also encourages the employees to ignore protocol when there is any sensitive thing that need his urgent attention. These measures have increased trust between the employees and the CEO and other leaders as well. This is because the employees are assured that they will not be punished for their right to information (Denhardt, Denhardt and Aristigueta, 2002).
This is whereby a leader gives credit where it is due. Reward power has an effect on performance expectations as well as achievement of goals (Sosik, 2004). A leader should be able to use rewards appropriately to acknowledge the followers when they do well. This includes praise, promotion, recognition, salary increase or bonuses. Therefore, when targets are met or exceeded the leader should be able to spread the fame to the members of the organization who contributed. This makes the followers to feel good about themselves and motivates to work even harder. This is because they know that better performance will translate in more rewards. They also perceive their leader as trustworthy, because he does not attribute all the success to himself (Manning & Curtis, 2002).
The CEO has also cultivated a culture of magnanimity, whereby he always recognizes good performance. Top among the efforts is the top performer's party that is always held to recognize the departments that met their targets after every three months. In such parties, the most outstanding performers are given rewards which can be money or any other form. Sometimes the CEO walks around the organization unnoticed to catch employees doing tings right. He then praises them and/or recognizes them in the briefing meeting. The CEO instituted a promotion policy whereby employees are promoted on merit. Therefore, those who perform better have a higher chance of promotion than others do. The rankings are done through system whereby the employees earn pints for excellent performance. This has motivated employees to work harder and better so that they may earn more points and stand a chance of being rewarded (Lussier and Achua, 2009).
The CEO Leadership Style
From the above description of MR. Odhiambo's leadership qualities, it is clear that he uses a blend of various leadership styles. First, he uses participatory style, whereby he involves the employees in setting of organizational goals. However, he first defines the limits the employees can go in making the decision. For instance, when he asks each employee to set his monthly targets and align them to the organizational goals. He also has an advisory leadership style, whereby he gives a tentative decision to his employees and invites suggestions for change. The daily briefing meetings at the departments show this (Meyer, 2008).
The CEO of Riverbank stands out as a leader who has a management style that seeks to involve his followers in decision-making. However, the level of involvement differs depending on the circumstance and the issue at hand. He has various leadership qualities and each time he applies them he considers the wellbeing of the people as much as he targets the organizational goals. For instance, he uses inspiration instead of force, reward instead of punishment, communication and openness instead of secrecy and intimidation and care for people instead of only focusing on organizational goals. This has minimized resistance to change, instilled commitment to organizational goals and cultivated a sense of belonging in the organization. The good relation in the organization has led to satisfaction of employees, which has led to increased satisfaction of clients. This explains the increased market share growth from 2005 when the organization had seven members to over 6000 today.
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Charles has some advice for Blake Griffin on improving his game and getting tougher during crunch time.
Charles has some advice for Blake Griffin on improving his game and getting tougher during crunch time.
Chuck how do you feel about the lakers today playing back with the black mamba ?
I understand that Blake Griffin is not complaining because he don't want to look like a whuss.
But it takes someone like Sir Charles to tell it like it is.
So Blake, don't let them do that to you Son.
David Aldridge said brook lopez then ryan lopez… its Robin lopez lol
Charles, knowing what you said about Blakes teamates needing to beat the hell out of the opposing teams that beat on him, do you feel the same way that one of the OKC Thunder players should just beat the hell out of RON ARTEST?
There is absolutely no call for his type of actions and what should his supension be. My suggestion is however long Harden is out plus 3 addition games and $50K per game.
I agree with Chuck. Blake Griffin needs to work on his fundamental basketball game. He has to learn how to create offensive plays on his own if the team needs it down the stretch. Athleticism only last for a few years in the NBA but skill level makes you the long term superstar go to and Hall of Fame player.
Hi Charles I think Blake is doing a great job. By the way my daughter is the biggest Blake fan. My home is not a happy home for me during the season, can you make the playoffs exciiting for me and get me 3 tickets to a playoff game. My homr team are the blazers and we know that is not happening here. Please
Dear, Sir. Charles Barkley and Mr. Kenny Smith, I was a little disappointed that one of you guys did not put in a good word for Metta World Peace.
Charles I consider both you and Kenny to be the best Basketball analyst there is, and if you view the Tape on the unfortunate incident that happened on Sunday April 22 Lakers Thunder game, James Harden moved into World Peace, and in my opinion Mr. Harden could have avoid the hit. I notice Harden is looking square at the Official just before the vicious blow is delivered.
I don't condone what World Peace did but as a Player I can understand how it feels to dunk on a prolific defender, with Kobe screaming with excitement on the play.
You guy know the fans love these types of moments, and the NBA just got some higher ratings, thanks to World Peace.
Charles you help the NBA with you dramatic out burst in the past.
We always loved to watch the 76ers, when you were there, even though I was an LA fan, you were the most exciting opponent to watch, our motto was "CHARLES"… THE MAN IN CHARGE!!!"
Sir Charles, I believe the comments you made of….someone needs to protect Blake Griffin, may have cause Metta World Peace to whack the hell out of James Harden.
I agree wit charles 100% blake to me has only athleticism sucks at free throws no jumpshot i think blake griffin is one of the most 1-demensional players in the league if not the most and charles you are the best and funniest basketball anylist and stop talking about my hometown detroiit pistons next year they are in the playoffs and i predict they draft sullinger to take up for losinhg BIG BEN!
I think that blake griffin is one of the mos 1 demensional players in the league if not the most. And tell your crew to stop hating on the pistons they are the best team in the nba next year they will be in the playoffs yea i said it.
the flagrant fouls on balke griffin led to the metta world peace elbow on james harden if you let players foul blake griffin the way they were taking him out other players say im going to protect myself im going to hurt someone before they hurt me remember they do play in the same arena the staples center
charles my formula for winning a nba championship is you must have at least three 7 footers on your team dirk brandon chandler bynum gasol mgbenga longley perdue winnington parrish walton kite miami doesnt have three 7 footers denver does good pick
J.Wang – I'm curious in what an alnomd tree look like up close. More specifically, the alnomd itself on the alnomd tree. Is there a pod? shell? big cluster? I know it sounds silly but take/post some close up shots!
can the refs back off of the crazy call-especially with the tech-like r. miller says good ol'school basketball. hey should give techs for the floppers..
Please give Charles extra credit, he was nervous. lol
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During Summer 2016 I spent 3 week on the Canary Island of Tenerife shooting a time-lapse film. 25.000 images, 10 nights on the volcano, 30 hours total shooting time. 3 minute short film. Enjoy.
Footage is available up to Ultra HD and 4K.
3840 x 2160 respectively 4096 x 2304 pixels.
Pico del Teide - the volcano on Tenerife in the Canary Islands is a brilliant spot to capture the milky way. Low light pollution and more than 2,000 m above sea level in the Las Cañadas caldera. It gets you closer to the stars and the unique landscape seems to be from a different planet.
Some Images I shot in 2016 at the beautiful Lake Constance (Bodensee), the place I live. It is located in the corner of Switzerland, Austria and Germany, north of the Alps.
Footage is available up to Ultra HD and 4K.
3840 x 2160 respectively 4096 x 2304 pixels.
Rainer Götzfried
I am a freelance photographer, focused on time-lapse landscape and night shots. All footage is available for licensing. Just drop me a line.


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Since the launch of Instagram Stories in mid–2016, Snapchat and Instagram have been competing at break-neck speeds to release hot new features and keep customers on their own platform.
Within the last year, we've seen Snapchat invest in their editing and camera filters. To compete, Instagram added Stories, stickers and Live streaming.
As Instagram's features become eerily similar to Snapchat, it becomes even more confusing for marketers to determine which platform to target. This article will lay out the features for you so you can make the best decision for your business when it comes to Instagram vs. Snapchat.
Instagram vs. Snapchat: Statistics
Historically, Instagram began in 2010 as a photo-sharing platform. It was purchased in 2012 by Facebook. Since the purchase, Facebook-like features have been noted on Instagram, such as the algorithmic timeline, targeted ads and Instagram Live.
Instagram's demographics include:
Snapchat began in 2011 as a disappearing photo-sharing platform. It was created to counteract the "edited life" that people feel they have to perform when posting on social media. In 2016, Snapchat passed Twitter in daily users. The company went public in early March 2017.
Snapchat's demographics include:
- Over 150 million daily active users
- 15.8% of millennials prefer Snapchat
- Users who are 25 years old or younger used Snapchat 20 times per day for over 30 minutes, according to Snap Inc.'s S–1 filing
Takeaway: If your business' customer base is made up mostly of younger millennials, then Snapchat may be the better platform for you. It's niche and offers a more "authentic" view inside a company.
Post Types & Editing Options
Snapchat's initial offering of disappearing posts and messages has since gone through a few iterations. Screenshots are now allowed with a notification sent to the original creator. Posts can also be saved or uploaded and videos can be replayed.
Direct chats and Snaps do not expire but any Snaps that are part of a Story disappear after 24 hours.
NASA uses Snapchat Stories to share behind-the-scenes information of their various programs. Four of the Snaps below are from a larger Story on station maintenance:
While the appeal of posting something no one will ever see again is no longer as relevant, Snapchat does offer a variety of fun editing and filtering methods.
Snapchat's editing feature has text options, stickers, geotagged city stickers, personalized Bitmoji and an enormous variety of selfie filters.
In Instagram, posts have evolved from single photos to include videos, Boomerang posts and their newest feature, Carousel posts.
View this post on Instagram
As I was getting my coffee this morning, I was thinking about some changes that I want to make to this space. A few small changes are in the works BUT, overall… I still love this space. It's come so far and we use it every single day! Scroll left to see how far it has come. #currenthomeview Sources linked on my blog under shop my home. P.S. Highland Cow and Taco Tuesday art are both on sale right now. Society6.com/biggerthanthethreeofus
Having the ability to upload multiple photos and videos into one post is another way for a brand to introduce storytelling into their posts. This also gives companies the option to group similar images together instead of creating separate posts, i.e. at an event.
In Instagram Stories, brands are able to add posts that expire after 24 hours, just like Snapchat Stories. While there are options to add stickers and geotagged locations, the filter options are noticeably less than Snapchat's.
If your business is interested in taking on Snapchat as a social media platform, you could save your Instagram Stories and cross-post them to Snapchat Stories to build up content.
Takeaway: Businesses that are able to have a more playful online voice will find Snapchat's editing features to be more up their alley. However, given that Instagram Story's newest features have been very similar to Snapchat's, it's possible that Instagram may catch up to the variety of filters that Snapchat is known for.
Instagram vs. Snapchat: Engagement
In both networks, there are multiple ways to engage with your audience. Instagram has both private and public options while Snapchat mostly has private communication methods.
On Instagram you can engage with a post by liking it, commenting on it, saving it and sending it directly in a message. Additional engagement includes liking a comment or expanding a photo to zoom in.
In addition to posts, you're able to directly message customers, respond to Instagram Stories and watch Instagram Live sessions.
On Snapchat, your engagement rests more on a one-on-one level. You're able to respond directly to a Story or send a Story onto a friend. While Instagram offers similar features, Snapchat started with these communications methods, making it more predominant to that network.
Takeaway: For businesses that are interested in building an audience that is more relationship-based and engaging, Snapchat would be a better choice. Otherwise, Instagram wins on their wider selection of engagement methods and accessibility.
Exploring New Accounts
To add a new friend, Snapchat lets you do it via username, Snapcode or via your address book.
Their exploration of accounts is mainly through their content section of authorized publishers. To discover new accounts, you would need to come across a Snapcode or a brand's promotion of their account on a different network.
With Instagram you can easily find new accounts by browsing your feed or clicking over to the Explore tab. Content in the Explore tab is based on your activity in interacting with similar accounts.
Takeaway: Instagram makes it very easy to find new accounts, while Snapchat relies on a word-of-mouth or other forms of creative advertising.
Instagram vs. Snapchat: Advertising
Instagram's advertising platform is closely linked to Facebook's ad offerings. In fact, when you create a Facebook ad, you have the option to include Instagram as a platform.
Given this close relationship, there are a lot more controls in how your ads are distributed. Ads in the Instagram feed and Stories are marked with "Sponsored." They can optionally include a call-to-action for the customer, leading them to a landing page or sign-up option.
Snapchat's advertising offerings vary from content-based (like an article) to fun (like Sponsored Geofilters). Geofilters are based on time and location. They can be used for anything from weddings to restaurant specials.
Takeaway: Instagram offers a more robust and targeted advertising platform, courtesy of Facebook. However, Snapchat's advertising options are more fun and creative.
Instagram vs. Snapchat: Analytics
Instagram's analytics offerings are trackable through their native offerings or through our own reports. Metrics like follower count, engagement rates and Story views are all ways you can easily look at how your brand is performing.
Snapchat's only options for analyzing success rest in your Story's view counts and screenshots. These numbers can be found for each post in your Story. Unfortunately, the numbers only last as long as the Story, so be sure to grab them before the 24 hours are up!
Takeaway: Instagram wins by far in providing analytics to companies. Snapchat was built as a one-to-one messaging platform, so it makes sense that their analytics are more difficult to track.
Which Network is Better for You?
Snapchat and Instagram are continually creating new features and it'll be interesting to watch how the networks evolve over time. Instagram's audience is wider and more accessible but if your business serves a younger generation, then Snapchat may be more up your aisle.
However, with Sprout Social's Instagram reporting tools, we give brands better insights into the core metrics and publishing behaviors. Learn about your most used hashtags, track trends and reply to comments through a single-feed platform with Sprout.
Want to see how we well we can analyze your Instagram content? Sign up for a free 30-day trial and begin tracking your most important Instagram data.
As with any new social network that you take on, be sure to fully explore and observe brands in action before starting off on your own. Two of the most common reasons that consumers give for unfollowing brands is posting spammy or annoying content.
We're interested to know: which network has worked better for you? Are there favorite brands you love to follow on either Snapchat or Instagram?


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The Galt House Hotel recently announced that it will be presenting an unusual Christmas event, called KaLightoscope Christmas. Throughout the hotel, the event will feature several holiday events and activities.
According to a recent press release from the Galt House Hotel, the highlight of the event will be the debut of the KaLightoscope - "a spectacular walk-through Christmas luminary experience never before seen in the United States."
The walk-through will be made up of large luminaries, which were handcrafted by more than 30 artisans from Zigong, China.
According to the press release, the 16,000 square foot KaLightoscope event will feature a variety of holiday-themed sections. More than six miles of colored and patterned fabrics and four miles of rope and internal lighting will adorn the individual luminary sculptures, ranging in size from 15'-17' tall and 9'-20' wide.
The grand opening will be held at 8 am on Thursday, Nov. 18. Mary Moseley, president and CEO of the AI J. Schneider Co., parent company of the Galt House, will hold a formal ribbon cutting.
According to Moseley, "KaLightoscope Christmas will be a spectacular event that will bring to life the sites and sounds of the Christmas season in a way never before seen. It's sure to excite attendees of all ages and will create lasting memories for years to come.
Tickets and special packages are available now and range from $14.95 to $17.95 per person.
"Colors of the Season (a new dinner show created for the KaLightoscope)", Santa's Party Palooza (a breakfast with santa), Mistletoe Marketplace (featuring items from Louisville stores) and the worlds largest, life size Gingerbread Village will also be showcased over the next month-and-a-half.
Photo: KaLightoscope.com


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SOMERVILLE, NJ - The Outcrops, a 4-piece New Jersey band, returns to perform on the Summer Stage Saturday, Sept. 26.
The band was in Somerville two weeks ago, playing across the street at Village Brewing.
The three-hour show is free and begins at 6 a.m. on the Division Street pedestrian mall. Bring your own lawn chairs, wear a mask, and practice social distancing.
From MusicExplorer.com:
Cassidy Rain and Bryan Schroeder are the founding members from Sussex County, New Jersey, both of whom are self-taught musicians. Cassidy is the lead-vocalist and plays rhythm guitar, while Bryan is the lead guitarist.
Prior to The Outcrops, Bryan was the drummer in two other bands. His father, a guitar player, was a big influence. Cassidy says she has always been singing, and took up guitar at the age of 14; playing a lot of open mic nights. In addition to her work in The Outcrops, Cassidy also plays in a female duo, Second Hand Smoke. Upon seeing the Allman Brothers Band, she was taken away and knew that their style was the inspiration she needed to hone in her own style.
The Outcrops formed in 2016. Their debut album, Peace of Mind, produced by Tim Carbone of Railroad Earth, is scheduled for release October 13, 2019. Their music is a flavor of rock 'n' roll, blues, old country, and jazz. Their influences include: The Allman Brothers, Jerry Garcia, Eric Clapton, BB King, and Buddy Guy.
The Downtown Somerville Alliance is sponsor of the music series, held throughout the summer and extending this year to the fall.
"Summer Stage has really become a staple of the season in Somerville," said Natalie Pineiro, executive director of the DSA. "We're happy that despite the challenges brought forth by COVID-19 we've found a way to bring the music back to Division Street."
The series runs every Saturday evening, weather permitting, from 6-9 p.m. Traditionally the season kicks off on Memorial Day Weekend and runs through the end of September however, because of COVID-19, the season was delayed but will now run through the end of October.
This year's remaining lineup includes::
10/3 - John Busse
10/10 - Terrance Haupt
10/17 - Venture to Zen
10/24 - The Paul Nagy Project
The weekly series receives support from local non-profit Arts on Division. Talent for the season is booked by local music/arts advocates Shawn Daley and Michelle Kassick, owners of Gallery on Main Street, located at 30 West Main St. in Somerville.
Summer Stage is free of charge to enjoy however due to concerns surrounding hygiene and social distancing, attendees are encouraged to bring their own chairs and/or blankets. Masks are required to be worn and patrons are reminded to maintain a social distance of six feet between each other.
For more information, visit downtownsomerville.com or contact the Downtown Somerville Alliance at email@example.com. Also, Visit them on social media @DowntownSomerville (instagram) and @DowntownSomervilleAlliance (Facebook).
The Downtown Somerville Alliance is a 501(c)(3) charitable corporation and the District Management Corporation for Downtown Somerville, NJ - one of New Jersey's premiere down towns. The district has become known for its colorful dining scene, flourishing retail, and up and coming arts and culture scene.
The DSA promotes balanced and progressive economic development and leverages the art of creating experiences that continue to bring a new and diverse population to Somerville. The DSA oversees infrastructure and beautification projects and works with historians and environmentalists alike to maintain and promote the historic charm that is unique to the district.
The Downtown Somerville Alliance is a TAPinto marketing partner.


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La Tulipe Eau de Perfume
Apply the Byredo La Tulipe Eau De Parfum directly onto the skin at pulse points (wrists, neck and behind ears) and decolletage.
Do not rub applied area.
Alcohol, parfum(fragarance), aqua(water), butylphenyl methylpropional, limonene, geraniol, butyl methoxydibenzoylmethane, ethylhexyl methoxycinnamate, linalool, citronellol, citral, bht, hydroxycitronellal,isoeugenol, farnesol, methyl 2 - octynoate, alpha - isomethyl ionone, benzyl benzoate, benzyl alcohol.
*Ingredients are subject to change, please refer to the product packaging for the most up-to-date ingredients.
We currently ship to Singapore only. For other international countries, do email us at firstname.lastname@example.com.


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Wheat price poised for 40 up or 40 down
Related Articles
- Wild cards. // Snack Food & Wholesale Bakery;Apr98, Vol. 87 Issue 4, p38
Focuses on the factors that could significantly impact the quality and supply of wheat in the United States. Effect on bakers; Bleak outlook for exports; Weather phenomena called `el nino'; Projected ending stocks in 1997/1998.
- The former Soviet Union and the world wheat economy. Jones, James R.; Li, Shuang L. // American Journal of Agricultural Economics;Nov96, Vol. 78 Issue 4, p869
Investigates the impacts of the former Soviet Union's leaving the world wheat market. Use of a modified spatial trade equilibrium model; Economic transition and the former Soviet wheat trade; Restructuring of socialism into market-driven economies.
- Information and the speed of innovation adoption. Fischer, A.J.; Arnold, A.J. // American Journal of Agricultural Economics;Nov96, Vol. 78 Issue 4, p1073
Studies a random-effects model to adoption of new wheat varieties in South Australia. Implications for farmers and support agencies; Cumulative adoption curve; Distribution of new adopters; Intractable posterior Bayesian distribution.
- Wheat germ is back. Gutfeld, Greg; Rao, Linda // Prevention;Sep92, Vol. 44 Issue 9, p12
Reports that researchers are suggesting that wheat germ may be a cholesterol killer. Results of a new study; How raw wheat germ helps to lower cholesterol; How much to use in your diet.
- Wheat exports strong in Middle East, Africa. // Southeast Farm Press;9/7/2011, Vol. 38 Issue 21, p28
The article focuses on a preference built by the U.S. Wheat Associates (USW) for the U.S. wheat in the Middle East and Africa by helping bakers and millers find innovative ways to establish their business.
- A policy analysis of China's wheat economy. Halbrendt, Catherine; Gempesaw II, Conrado // American Journal of Agricultural Economics;May90, Vol. 72 Issue 2, p268
Examines the impacts of China's historical and anticipated future reforms on its domestic wheat economy. Components of the China wheat model; Result of the market-oriented policy; Land in wheat production; Per capita wheat consumption; Forecast of future production, consumption and import;...
- Recent wheat subsidy actions. // Newsweek;5/11/1987, Vol. 109 Issue 19, p61
Although the Soviets agreed in principle in 1983 to buy at least 4 million metric tons of US wheat annually, other countries sold their wheat cheaper. So last week, the US agreed to subsidize the price at which the Soviets would buy the grain and the Soviets agreed to buy their yearly quota by...
- Wheat and sour. Wahlquist, Asa // Bulletin with Newsweek;11/05/96, Vol. 116 Issue 6045, p42
Reports on the Australian wheat crop in 1996. Its approaching the record set in 1983-84; How the 1983-84 crop was used; Half of the 1996 crop being exported to Asia; Australia as a niche supplier; Research into the best wheats for export to Asia; Efforts which have led to the potentially record...
- Wheat growers are optimistic. Cobb, Kathy // Fedgazette;Jul95, Vol. 7 Issue 3, p12
Reports that wheat growers in Montana are optimistic about their profits in 1995. Total production for all Montana wheat; Competition with Canadian growers; Plan of General Mills Inc. and Alberta Wheat Pool to build a grain terminal.
- Scientists redesign white wheat. Cooke, Linda // Agricultural Research;Jun94, Vol. 42 Issue 6, p16
Reports on wheat in the United States. Introduction of Klasic, hard white wheat variety by Northrup King Seed; Difference between hard red wheat and hard white wheat; Improvement of the quality and protein of wheat.


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Thai Village Cuisine
Authentic Thai Cuisine to dine in or to go
Thanks for visiting!
We are the new owners of Thai Village Cuisine. We have taken over on October 1st 2011. We are a family run and owned business dedicated to serve you the finest in authentic Thai Cuisine. You can dine in our cozy restaurant or you can order your meal to go. Also, if you're planning a pot luck or a party, you can order one of our party platters.
We are located at
34571 Alvarado-Niles Rd. in Union City.
Phone orders taken at
Lunch Daily 11am till 3pm
Dinner Daily 5pm till 9:00pm
Closed on Tuesday's
We are still open


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Killer photos and the stories behind them find a home at ParksFolio
Our family of outdoor bloggers here at Trail Sherpa have a strong desire to explore and tell stories so it was only natural that we would create ParksFolio.
ParksFolio is a photographic journal of the National Parks, telling the story in pictures…your pictures.
Skip the backstory and go straight to ParksFolio to read amazing stories of the National Parks or submit your own.
It all started with the Trail Sherpa National Parks Series, a little photo collection that our team pulled together to celebrate our favorite moments in the National Parks. But that random effort quickly sparked a bigger conversation as offers came in from our blogger friends, family members, and old high school pals that had eluded us since graduation.
"Hey, I have a great shot from Yosemite! And a cool shot of a wolf in Yellowstone too! I've got tons of great shots from the National Parks that I could send you to add to the list of photos."
And there it was…
Both Dave and I were receiving offers for photo submissions. Clearly, we needed to find a way to give all of these amazing photos and stories of adventure a home where everyone could enjoy them.
We give you ParksFolio
So without any further rambling, we give you ParksFolio. What better way to celebrate the National Park Service's 97th birthday than with the very stories that have been made possible as a result!
Read the stories. Submit your own photo and story. Join the conversation by commenting on any story that moves you. Or search the stories to find inspiration for your next trip.


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Mt Rushmore Birds is proud to be a member in the following organizations:
The BLACK HILLS COMPANION BIRD CLUB – Meets the 2nd Tuesday of each month at the Rapid City Public Library. Any person interested in aviculture is eligible for membership. Our objective is to promote better birds by improved care and breeding; to have fellowship with others interested in companion birds; to educate members and the general public in the best care and well being of companion birds and to improve public awareness of companion birds. Without regard to age or whether you have a Finch or Macaw or anything in between, you are welcome.
As a public educational program, the Black Hills Companion Bird Club sponsors BIRDS AND BLOOMS DAY at the Jolly Lane Green House the last Saturday of January. For more information about the Companion Bird Club give us a call.
Rocky Mountain Society of Aviculture – Denver, Colorado
National Cockatiel Society
International Conure Association
Greater Omaha Cage Bird Society – Omaha, Nebraska
American Federation of Aviculturists


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A National Retail Federation Survey concluded that Valentine's Day celebrators expect to spend over $126 on average for the holiday this year. Men expect to spend about $169. Women expect to spend $86. Almost 200 million roses are produced for Valentine's Day and the price of them usually doubles at this time of year. Valentine's Day started in 496 A.D. in honor of Saint Valentine. My intention is not to discuss the history of this holiday. Instead it is to discuss whether the true meaning of this holiday has given way to a giant marketing scam duping millions ever year.
Holidays are celebrations. Celebrations are meant to produce joy for the celebrators. Let's consider two of our most widely celebrated holidays, Thanksgiving and Christmas. Both of these days are centered on celebrating with family and friends. On many occasions, both of these days end up producing the exact opposite and create stress for everyone. Thanksgiving involves hours and hours of cooking followed by dinner with relatives that sometimes don't get along. After dinner is the massive cleanup project. Many people dread the thought of spending a few hours at Thanksgiving with family members who they are not fond of. Christmas is even worse. It is a month long giant ball of stress. It starts the day after Thanksgiving with throngs of people fighting over Black Friday deals. For the next four weeks, there is stress of finding the perfect gift. Or there is the worry of finding a gift for Aunt Sally that "doesn't appear cheap, but isn't more than the $25 she spent on a gift for you last year". Let's face it, holidays can be extremely stressful.
Holidays are very good for the economy. Almost $450 billion is spent on Christmas annually. Valentine's Day has almost $18 billion spent on it. Consumer spending creates jobs. More jobs creates an economy that is sustaining itself. This country needs holidays. The term "Black Friday" is named for the day when retailers are finally turning a profit. Remove holidays from this equation and retailers would have a hard time keeping their doors open.
The difference between Valentine's Day and the other widely celebrated holidays is they are generally not dreaded by those who celebrate it. Valentine's Day is simple for the vast majority of people; buy flowers or chocolates and go to dinner. The key to this holiday is the evening usually turns out to be lovely. A nice quiet dinner between two people fond of each other and an evening of no stress is the perfect way to celebrate a holiday. Valentine's Day brings happiness, whereas other holidays oftentimes bring stress. Even if you feel this day has become a marketing scam, just play along, because Valentine's day delivers the happiness that holidays are intended to create.


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Additional Information
Product code : 2530001144918
Intensifies curl, combats frizz and boosts shine on curly or wavy hair. Wheat protein and organic aloe infused styling creme expands when hair is wet and retracts when hair is dry to help intensify your curl or wave. Aveda's own Pure-Fume aroma with certified organic lemon, geranium, bergamot, orange and other pure flower and plant essences. For intensifying curls, taming frizz and increasing shine. Wheat protein blend expands when hair is wet—then retracts when hair is dry—to help lock in curls or waves. For curly or wavy hair. Intensifies curls. Tames frizz. Boosts shine. 95% naturally derived. From plants, non-petroleum minerals or water.
200 ml
- Vegan
Water\Aqua\Eau, Cetearyl Alcohol, Cetyl Alcohol, Phenyl Trimethicone, Linum Usitatissimum (Linseed) Seed Extract, Althaea Officinalis (Marshmallow) Root Extract, Aloe Barbadensis Leaf Juice, Behentrimonium Chloride, Hydrolyzed Wheat Protein, Panthenol, Quaternium-95, Polyquaternium-11, Glycerin, Tocopherol, Propanediol, Fragrance (Parfum), Geraniol, Linalool, Amyl Cinnamal, Citronellol, Limonene, Maltodextrin, Phenoxyethanol.
Smooth generously on damp hair. Dry naturally or blow-dry with a diffuser for added volume and curl definition. Tips: Generously apply be curly curl enhancer from ends to scalp, keeping most of the product at tips. Twist large sections of hair into tight coils and secure ends to your head using large butterfly clips. Cover with a fine hair net to avoid flyaways and frizz. Blow dry with high heat using a diffuser.
Standard Delivery:
Next Day Delivery:
Shop more: Aveda Curl Enhancing Haircare
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Local walkers rambling in West Sussex stumbled across an ancient wood last weekend. Covering about 10 acres, it had never ever featured on any ordnance survey maps. "It's a bloody good wood," said walk leader Woody Rudd.
The residents of Goodwood have decided to name it 'Edward Woodward Wood' in honour of the famous film star.
"Well, you would, wouldn't you?" said Goodwood's parish councillors. "After all, when Edward Woodward came to Goodwood last year, he said he loved woods. When we discovered this new wood near Goodwood, we asked Edward Woodward if he would like it named after him. Edward Wooodward said he would. We knew he would. Well, you would, wouldn't you - if you were called Edward Woodward."
Some local wood-lovers, however, would prefer the wood to be named 'Woody Rudd Wood', after the walking group's leader. "If it's a choice between 'Woody Rudd Wood' and 'Edward Woodward Wood', then I would rather have 'Woody Rudd Wood', wouldn't you?" said Woody Rudd's brother, Edward.


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If you collect stamps then you should be a member of a stamp club! Stamp clubs provide their members with the opportunity to meet with like-minded people and to share information about their hobby. They are also a great source of stamps for your collection. The Guyana Philatelic Society offers the knowledge and experience of our members who are here to help you with your stamp collection.
GUYPEX 2018 Events
GUYPEX 2018 – Giftland Mall
(October 25th – 28th)
GUYPEX 2018 – Georgetown Post Office
(October 24th)
School Visit
Saraswatie Vidya Niketan Secondary School
(October 23rd)
The GPS Team visited Saraswatie Vidya Niketan Secondary School in Cornelia Ida, West Coast, Guyana promoting stamp collecting. Over 400 students attended and demonstrated very keen interest. They were rewarded with free stamps and at the end of visit the motivated students submitted a significant number of applications for membership.
Member Meeting & Workshop
(October 20th)


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We Serve Those Who Serve.
APTIM has had the privilege of delivering design and construction solutions to the Federal Government and its agencies across the world for more than 30 years.
With 500+ veterans serving among our ranks, we are trusted to execute projects of all scopes and sizes – including those in fortified, remote or hostile locations. Our efficient and streamlined approach, combined with leading edge expertise and technical management, enables us to deliver value-added solutions for our clients.
APTIM. Expect the Extraordinary.
Our footprint (over 80 offices across North America) means we're the firm of choice for local and state governments that rely on us to manage their energy efficiency programs, fortify infrastructure, and immediately respond to disasters when they occur.
Firm of Choice
APTIM Disaster Recovery Projects
"We serve those who serve in the federal market while also providing state and local jurisdiction solutions. We proudly support national defense and natural disaster relief efforts."
APTIM Government Strategic Business Unit


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If you could create your list of "must haves" and "non-negotiables" for your next career move, what would they be? If you can appreciate the opportunity to be able to work from home and/or in the office as you see fit, earn an income commensurate with your performance, have an amazing culture that allows you to meet and exceed your potential, as well as, an environment that allows you a legitimate equal opportunity to become unequal, it's time we had a conversation!
National General Insurance is a people-first focused training company that just happens to do Insurance. We are one of the fastest growing, most amazing Property and Casualty Insurer in the United States that you have probably never heard of……yet. Regardless of your educational background or our current employment status, you may be a true fit with us and all the opportunity we provide. We believe it's not about the WHAT, but instead, about the WHO you are. We can teach you what you need to know with our world-class training and leadership.
So, stop doing the same thing over and over again expecting different results in your life/career and bring your work-ethic, coachable mindset and amazing attitude in to meet with us so we can interview each other today!
We are searching for enthusiastic, motivated, and dedicated Inside Sales Agents to join our growing team in the Hillsboro (Portland), OR office. Prior sales experience is not necessary but the motivation and passion for being a successful salesperson is a must! We offer a multi-tiered and in-depth paid training program to provide you with all the tools you need to be successful in our inbound sales center environment. Training covers the Property & Casualty insurance industry, National General Products and Systems, and proven sales techniques to empower you for success.
Our high performing first year sales agents earn an average of $55,000 to $60,000 per year with an hourly base pay and uncapped commissions and incentives. Second and third year agents' average yearly earnings of up to $85,000.
Start Dates Available
Unlicensed: Monday, October 19th 2020
Licensed: Monday, November 2nd 2020
What makes National General Insurance unique?
Primary Purpose:
Responsible for creating a positive relationship with prospective customers by providing Property & Casualty product quotes and selling policies to customers based on their needs. This position may also participate in cross-training and necessary licensing to support the selling of Accident and Health products.
Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Minimum Skills and Competencies:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Desired Skills:
National General Holdings Corp. is an Equal Opportunity (EO) employer – Veterans/Disabled and other protected categories. All qualified applicants will receive consideration for employment regardless of any characteristic protected by law. Candidates must possess authorization to work in the United States, as it is not our practice to sponsor individuals for work visas.
In the event you need assistance or accommodation in completing your online application, please contact NGIC main office by phone at (336) 435-2000.
About National General Holdings:
National General Holdings Corp. is headquartered in New York City. National General traces its roots to 1939, has a financial strength rating of A– (excellent) from A.M. Best, and provides personal and commercial automobile, homeowners, umbrella, recreational vehicle, motorcycle, supplemental health, and other niche insurance products. We are a specialty personal lines insurance holding company. Through our subsidiaries, we provide a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, supplemental health, lender-placed and other niche insurance products.
National General is a fast paced, dynamic, and entrepreneurial organization. Our team members live by and exemplify what we call the 4Es. At National General, we are Energized, Engaged, Empowered, and we Execute every day in order to provide an exceptional experience for our customers! We are passionate about our organization and the value that we add every day. A successful candidate with National General will embody the 4Es. Our team is poised to outperform the competition. We are National General Insurance and with us you can be extraordinary! Come join our team!
Companies and Partners
Direct General Auto & Life, Personal Express Insurance, Century-National Insurance, ABC Insurance Agencies, NatGen Preferred, NatGen Premier, Seattle Specialty, National General Lender Services, ARS, RAC Insurance Partners, Mountain Valley Indemnity, New Jersey Skylands, Adirondack Insurance Exchange, VelaPoint, Quotit, HealthCompare, AHCP, NHIC, Healthcare Solutions Team, North Star Marketing, Euro Accident.
In addition to a phenomenal career opportunity, National General Insurance offers an excellent benefits package including:
• Paid Training
• Medical, Dental, Vision benefits
• Wellness Programs
• Life and Short/Long Term Disability Insurance
• 401k w/ Company Match
• Company Paid Holidays & Generous Time-off policy
• Employee Discount Program
• Career Advancement and Development Opportunities
• On-site Healthcare Clinic (Winston-Salem and Cleveland offices)
• On-site Fitness Center (Cleveland and Dallas offices)
• Subsidized parking (Cleveland office)
National General Holdings Corp. is an Equal Opportunity (EO) employer – Veterans/Disabled and other protected categories. All qualified applicants will receive consideration for employment regardless of any characteristic protected by law. Candidates must possess authorization to work in the United States, as it is not our practice to sponsor individuals for work visas.
In the event you need assistance or accommodation in completing your online application, please contact NGIC main office by phone at (336) 435-2000.
National General Holdings Corp. is an Equal Opportunity (EO) employer – Veterans/Disabled and other protected categories. For additional details please find the OFCCP's EEO is the Law poster attachment


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Company Set Up
When you set out to form a new company, you need to choose the category of company that will be registered at Companies House. Depending on the nature of your business, there is a wide range of designations to choose from. We will outline the basic steps and will simplify the process as much as possible.
An Overview of the Different Types of Companies
- Setting Up a Private Limited Company (Ltd)
- Setting Up a Public Limited Company (PLC)
- Setting Up a Partnership
- Setting Up as a Sole Trader
- Tax & National Insurance
- Value Added Tax (VAT)
- Insurance and Banking
- Other Considerations
Setting Up a Private Limited Company (Ltd)A private limited company (Ltd) is a corporation whose financial obligation is limited by shares, which is the most common form of privately held company. WE CAN SET UP YOUR LTD COMPANY IN 1 HOUR.
- The limited company business structure is different from the sole trader structure in a way that your company and personal finances are kept separate.
- Limited companies are supposed to pay corporation tax on their profits, whereas sole traders are taxed under the self-assessment system.
- If a limited company is going to achieve a turnover of £85,000 or more per year, it must register for VAT (Value Added Tax).
- Limited company directors have to face more legal, financial and administrative responsibilities, compared to sole traders.
- A limited company is owned by its shareholders.
- Its directors and shareholders have 'limited liability' i.e. their personal assets cannot be touched. For sole traders, their personal liability is unlimited.
- A Private Limited Company cannot offer shares for sale on the stock market, whereas a Public Limited Company can.
Setting Up a Public Limited Company (PLC)
- A public limited company (PLC) is the type of company which allows the offer of its shares to the general public. As with any other designation, a PLC has certain requirements. It requires a trading certificate, a minimum of £50,000 worth of share capital, with a quarter of that paid. Two directors, one of which may be the company secretary and two shareholders are also among the minimum requirements for forming a PLC.
- Limited liability partnerships, or LLPs, are corporate bodies whose legal existence generally does not depend on its members. The members of an LLP share a collective or joint responsibility. They usually agree to an LLP agreement, but each partner is not liable to the other partner's debts or obligations as they would be in a general partnership. An LLP has many features in common with a normal partnership - but it also offers reduced personal responsibility for business debts.
- Unlike members of ordinary partnerships, the LLP itself is responsible for any debts that it runs up, not the individual partners.
Setting Up a PartnershipIf two or more people go into a business together without setting up a limited company , a partnership is a simple and easy way to get started. This is similar in many ways to going the sole trader route for an individual.
A partnership has no legal participation in the business, as a Limited Company would; it is like a vehicle linking two or more self-employed people in a simple business structure.
Basically, each of the partner's business income is counted alongside their existing personal income, so the accounting side of the business will be pretty straightforward. As the name suggests, limited partner has no management authority in the business' day-to-day operations and his or her liability is limited to the amount of investment.
In terms of accounting, you will need to submit an annual self-assessment form to HMRC and keep accurate and up-to-date records of all business transactions (receipts and expenses) and accounts. Each partner will also have to submit an annual self-assessment form regarding the partnership. The partners will also be required to pay income tax on all profits and pay national insurance contributions on those profits.
It is important to remember that if either of the partners withdraws from the business (e.g. in case of death, resign or they go bankrupt), the partnership must be dissolved instantly, since it has no legal status.
Setting Up as a Sole TraderBeing a sole trader is the simplest way to get started in business. A sole trader is a business that is owned by one person. It may have one or more employees. A sole trader informs the government agencies about the nature of his business, and can start trading right away (subject to any specific licenses required in that particular line of work).
As a sole trader, you can quickly make changes in your business with minimal bureaucratic formalities required and you have complete control over your business and accounting affairs. However, a sole trader is liable for any debts that the business incurs. It is worth spending time considering which company set-up format is best for you.
A sole trader business is easy to set up. There are no formal procedures required and operations can commence immediately. It also does not involve dealing with any administrative or accounting firms which are required of limited companies.
If you start working for yourself, you are required to register with HMRC as self-employed, even if you already send in a tax return. There are some exceptions and special rules for particular industries, like the construction industry.
You should register the moment you start working as a sole trader, otherwise you could incur a financial penalty.
Tax & National InsuranceEssentially, your business income along with your existing personal income is counted, so the accounting side of your business becomes very straightforward. As the name suggests, you will be personally liable for any debts you incur in the running of your business which you wouldn't be under the limited company route.
In terms of accounting, you will be required to submit an annual self-assessment form to HMRC and keep accurate and up-to-date records of all business transactions and accounts. You will also have to pay income tax on all profits and pay national insurance contributions on those profits. Losses can be offset against tax on other income.
In the April after your business starts, you will be asked by HMRC to fill in a self-assessment tax return. HMRC will also use the return to assess any profit-related (Class 4) NI contributions you may need to pay.
People who are self-employed are also liable for Class 2 NI contributions (currently £2.60 per week).
If your income from self-employment is low, you may be able to apply for the Small Earnings Exception.
Value Added Tax (VAT)VAT registration is done separately and it is not a part of 'self employed' registration when setting up. There are certain limits of your 12 months turnover after which you are registered for VAT. This limit - the VAT threshold - is currently £77,000.
The standard rate of VAT is 20%.
Your annual turnover is normally the total amount of money coming into your business from the goods or services you sell.
Insurance and BankingOnce you decide to become a sole trader and inform the authorities, you should select the appropriate business insurance cover for your new venture. You may need to take out public liability insurance and employers liability cover as well as insurances specific to your trade or industry.
You will probably want to open a business bank account as well. As a sole trader, you can open an account such as "John Smith Trading as BLT Construction", which will enable you to keep a separate account to your personal one and it depends on your own choice.
Other ConsiderationsBeing a sole trader will suit a large number of small business groups, however it is not always the best route available. That is why we recommend discussing your choices with an accountant or other adviser.
The limited company route limits the personal liability of its directors if something goes wrong, whereas the sole trader is ultimately personally liable for any losses the business makes, of if they are forced into bankruptcy. Also, in some areas of business, having a limited company will enhance prestige and provide a more professional appearance in certain industries. Of course, you can always start out as a sole trader and then incorporate at a later date. A professional adviser (such as an accountant) can help with this transition.
Company Formation - A Same Day Service
Our firm has been established to provide the practical guidance and qualified assistance in starting and running a business worldwide. The process of registration of any Limited Company takes approximately 2 hours at Companies House (provided there is no backlog at Companies House). After the confirmation, we will forward you the Certificate of Incorporation and the Articles of Association.
The limited company should only take any contracts or business after the date of incorporation. The following information will be required in order to set up a limited company for you:
The limited company should only take any contracts or business after the date of incorporation. The following information will be required in order to set up a limited company for you:
- The company name
- Your full name
- Your address
- Your home and mobile telephone numbers
- Your date of birth
- Your nationality
- Your job description (IT, accounts, marketing, business consultant, etc.)
- The Registered address of the company
From 6 April 2008, it is no longer a legal requirement for a limited company to appoint a company secretary although you may still choose to do so if you wish. However, many companies still have a company secretary appointed to file the necessary paperwork with Companies House. The company secretary should be over the age of 18 and it's not necessary for the person to be a UK citizen or resident but they should be easily contactable.
The Company Secretary must provide the following information:
The Company Secretary must provide the following information:
- Full name
- Address
- Home and mobile telephone numbers
- Date of birth
- Nationality
- National Insurance Number


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Walter Reed, 72, a retired track inspector for the Baltimore and Ohio railroad, died Friday at his home on Clifton Avenue of cancer.
Funeral services were being held today at the Simmons Memorial Baptist Church, Pennsylvania Avenue and Cumberland Street.
Mr. Reed retired in 1978 after working for the railroad in Baltimore for 33 years. Earlier, he worked for Archer Laundry.
During World War II, he served in the Army and was decorated for his service in Italy.
A native of Caroline, Va., he came to Baltimore as a child with his family.
He was ordained in 1980 as a deacon at Simmons Memorial Baptist Church.
Survivors include his wife, the former Ethel Mae Pitcher; a son, Phillip Reed of Baltimore; a brother, James E. Williams of Baltimore, and a grandson.