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Tips – Getting Started & Next Steps
Choosing an Auto Insurance Company
Selecting an insurance policy to safeguard your business properties as well as finances is quite a very demanding decision that you are required to make as a business owner. There are several things that you need to keep in mind when you are looking for the right auto insurance policy that will be in charge of ensuring your assets as well as your finances against unexpected losses. When you are out there searching for the right auto insurance company that you are going to work with, it will be important for you to ensure that you establish on the capabilities of the insurance company to provide for all your needs and also one that will meet your specific needs when it comes to vehicle insurance.
You will thus need to make sure that you take seriously the process of choosing the policy to work with since it's a very effective decision in your business. Getting to know on the main policies offered by an auto insurance policy will be highly recommended and advisable. When you are searching for a policy that you will incorporate in your business, you will need to know that it will not be an easy task making the right choice of the one you are going insure your vehicle with since there is a multiple of auto insurance policies out there.
Any accident from another vehicle, an animal or a fallen tree is what will be considered by an auto insurance policy. Note that all the auto insurance companies you will come across are in the market searching for clients whom they will serve and, in many situations, they always claim they are the best. It should be recognized that an auto insurance policy is also required for vehicles with loans or lease on them. If it reaches a point and the other party wants to meet you in court then the insurance company will not hesitate to give you a legal defense so that you can gain victory. When you are choosing an insurance policy, you need to do a thorough background research so that you can confirm that the policies are what they are claimed to be and it is not impersonation. It will be a good idea that you check on the quality of service that is offered by the insurance policy that you want to take and also the quality of service that you will be offered with.
It will be a great idea for you to make sure that you well know about what it is that you are going to focus on when choosing an auto insurance policy and it will be a good idea for you to ensure that you have read all the reviews of the various individuals who have been serviced by the particular company that you want to choose.


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Now is the time to subscribe to the precision farming and satellite imagery program from the Co-op network for 2016 season.
With over 20 years of experience in this field, and our knowledge of the farming business realities, we have made available to farmers, a readymade package that combines satellite imaging technology with a complete web solution. This business solution allows you to integrate, analyze, manage and visualize your precision farming data in a simple and user-friendly technological environment.
Here's what the Co-op business solution encompasses:
- Vegetation maps of all your fields in July and August: monitor your crops and diagnose problem areas during the growing season.
- Year-end relative yield maps: compare your yields from one field to another, and see the variability within fields.
- Economic performance maps: view the different zones of profitability within the same field.
Example of the maps produced
- Web Platform: gives you access to several modules. You can explore precision agriculture from A to Z without the headache. It is a tool developed by the Co-op and has been successfully adopted by many farmers in all areas of Eastern Canada.
With this unique service, you receive a quality product. It is also possible to recover the archives of your fields from 2011 to 2015. Our program is available for all levels of precision agriculture integration. Whether you are a beginner in the field or a regular user of these technologies, the Co-op precision agriculture program will enable you to leverage your investment quickly.
Our business solution: the Co-op is the foundation that ensures integrated service in precision farming; it facilitates the analysis of your crop data, which gives the best overview of your company with generated maps and tables, ensures better monitoring of your fields during the season, and guarantees that your recommendations will be to your technological equipment.
For more information, contact your co-op.

subset: commoncrawl


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Marine speakers have to be built tough to withstand the rigours of use in and around water. While any type of water can terrorise marine electronics, our predominately saltwater boating really exacts a heavy toll. Fusion have been at the leading edge of high quality marine electronics and their new EL Series shallow-mount marine speakers are built to a very high standard, suitable for any marine use. They are available in two styles and come with LED lighting options. The construction is an impact resistant plastic with the EL Series supported by a Classic or Sports grille option. These speakers are a shallow basket design suitable for installation where mounting depth is limited.
The speakers push out 80 Watts of power in a compact 6.5-inch shell with Fusion's excellent cone protection. A must for aquatic use. Additional speaker grilles are available so customers can set up the speakers in four options: Sports White, Sports Grey, Classic White or Classic Black.
The Sports models feature the multi-colour LED lighting option with the open design allowing the seven different coloured LED offerings to really stand out against the backdrop of the boat. The Classic grille is a simple design, clean and understated.
The EL Series is rated IP65 for water and dust ingress protection from the front face when correctly mounted. It also meets industry standards for UV and salt fog protection. This means it is sealed from dust and water projected by a nozzle (6.3mm) from any direction.
"We built the EL Series as a way for users to enhance any type of vessel, whether it features a modern or classic look," said Chris Baird, managing director of Fusion Entertainment. "The EL Series is also designed and engineered for the outdoors so users are not only getting the look and sound they want but they can be sure it will last for a long time no matter where you do your boating."


text: Topics Education Earth Journalism Scholars IUCN Rio+20 Seafood Summit European Fisheries Conferences Networked Journalism Climate Change Media Partnership COP15 COP16 COP17 COP18 ClimateNewsMosaic COP20 EJN Grants GeoJournalism InfoAmazonia Climate Commons Ekuatorial Citizen Science Global Environment Facility - 6th Assembly, Vietnam 2018 Program Team Juthamas Sukitjanont Program Coordinator Program stories Globe needs action to reverse climate impact: GEF chief World gathers to tackle climate change challenges Here's first e-course that links gender with environment! India among eight nations gets funds for marine conservation Radio Report: Nigeria can access global facility to address ecological issues, says GEF Exclusive interview with Achim Steiner, UNDP at GEF 2018 Global Environment Facility - 6th Assembly, Vietnam 2018 Developing Countries Face Environmental Funding Cuts Move to circular economy to restore ecosystems: GEF chief Exclusive interview with Erik Solheim, UNEP chief - Plastic straws just one example of curse to nature Green bodies pledge to improve climate funding for developing world Green funds dry up for developing countries Green money summit ends with focus on coalitions Canada pledges $228.79m to advance climate action India bats for technology, finance to achieve green goals EJN Brings Journalist Fellows to GEF Assembly Women's empowerment can deliver green outcomes: Marshall Islands President A Monkey Sanctuary Hangs on in Vietnam Saving the environment starts small: A success story from Vietnam's Hoi An Vietnam plays strategic role in Climate Vulnerable Forum: Marshall Islands president Jibril to GEF Assembly: How Nigeria is caring for the environment UN charges Nigeria on speedy Ogoni clean-up, desert restoration US cuts half of resources for global environmental protection fund (em português) First time solar project opposed in Vietnam Climate talks ends with focus on multi-stakeholder coalitions How waste management is helping Vietnamese women earn a living Will Duterte allow foreign funding for Benham Rise planning? Bachelet provides a warning on the costs of not taking rapid action to tackle impacts to the environment - Michelle Bachelet (em Português) UN call for more action from actors of the economy (Em Portugues)


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Memphis holds off OKC rally, ties series
OKLAHOMA CITY — Nothing rattled the Memphis Grizzlies.
Not squandering a nine-point lead in the fourth quarter and a five-point lead in the final 19 seconds of regulation. Not Kevin Durant's 20 points after the third quarter. Not even giving up an improbable game-tying put-back that forced overtime.
The Grizzlies remained steady and took care of business in the extra period. Zach Randolph scored 25 points to help Memphis defeat the Oklahoma City Thunder 111-105 in overtime on Monday night and tie their first-round playoff series at one game apiece.
"It was just staying confident, understanding that those guys are going to make runs," Memphis forward Tony Allen said. "We've got to weather the storm by staying together and not getting down."
Mike Conley added 19 points and 12 assists for the Grizzlies, who executed their game plan perfectly and put themselves in position to take control of the series in Game 3 on Thursday night in Memphis. Oklahoma City pushed the pace through most of its 100-86 victory in Game 1, but Monday, the Grizzlies successfully slowed the tempo and limited Oklahoma City's fast-break opportunities.
"Basically it's just going to be a slugfest," said Allen, who was praised by his teammates for playing solid defense against Durant. "We're going to pound it. They're going to run it. Whoever can come up with the most stops pretty much wins the game."
Oklahoma City's stars put up big numbers, but they worked for everything they got. Durant had 36 points and 11 rebounds, but he made just 12 of 28 shots and had just eight points at halftime and 16 through the first three quarters. Russell Westbrook scored 29 points for Oklahoma City, but he made just 11 of 28 shots. Serge Ibaka added 15 points and 11 rebounds for the Thunder, who shot just under 40 percent.
"We missed some shots that we could make," OKC coach Scott Brooks said.


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Lowell Vene Rickey, 90, died at the Northridge Village Care Facility, Ames, Iowa on January 20, 2020. Born January 3, 1930 in Russellville, Ohio, Lowell was the son of James Henry and Katie Belle Rickey. He was a 1947 graduate of Byrd Rural High School, Decatur, Ohio. He proudly served his country in the Army from 1948-1952 and attained the rank of Sergeant. On October 13, 1952 he married Helen Lavonne Gelter and they had two daughters.
Lowell had a passion for farming and loved to watch things grow. He lived and farmed in Southern Ohio until two years after Helen's passing in 1965. He met Erma Jean Mauch (Jean) and they were married on August 31, 1967. Life's changes eventually took them to Coon Rapids, Iowa, where Lowell was able to resume farming for 25 more years before retiring to Arkansas. Even in retirement he loved to watch his garden and flower beds flourish.
Another passion for Lowell was singing. He sang in church choirs and small groups all his life, and in retirement enjoyed singing in Barbershop Quartet. After Jean passed in 2010, Lowell moved back to Iowa and remained in Ames, Iowa close to family.
He is survived by daughters Rhonda (Gary) Sondgeroth and Sherry Rickey; four grandsons: Jason (Lisette) Savage, Ryan (Amy) Savage, Nick (Rita) Burley and Adam Burley; eight great grandchildren, and many nieces and nephews. Lowell was preceded in death by his parents, wives Helen and Jean, three brothers who died early in childhood and three brothers: Bruce Rickey, Edward Rickey and Raymond Rickey.
A visitation will be from 1:00 until 2:00 p.m. on Wednesday, January 29 at Heartland Baptist Church, 3333 Stange Road, Ames IA with a 2:00 p.m. service to follow.
In lieu of flowers, memorials may be sent to St Jude Children's Research Hospital.
Online condolences may be directed to: www.grandonfuneralandcremationcare.com.


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Bozeman Real Estate - Market Report
As we get into the fall and winter months, I often chat with people that think winter is not a good time to buy or sell a home. For the past few years, I've been analyzing the number of contracts versus the number of new listings during each month of the year to try to see if that is the case. The data is very interesting.
A quick overview of the data; It includes single family homes both inside and outside of Bozeman city limits, but does not include Belgrade or other surrounding towns. The new listing column shows new listings for the month. The new contract column shows how many homes went pending or under contract that month. This is not the number of closed sales for the month, just the number of times buyers and sellers came to an agreement on the terms of a written contract. It should also be noted that for any given month, there were almost assuredly more homes on the market than is included in the new listing column as there would likely be some inventory carry-over from previous months. As of the date of writing, data is not available for November or December of 2017, so those months are not included.
Based on the percentages, there isn't consistently a stand out month that is the best month of the year to list in order to sell. Comparing the percentages of new listings versus new contracts, November and December are most often two of the best months, which goes against popular sentiment. While there are definitely fewer accepted contracts written during the colder, winter months, there is also much less competition. However, this doesn't mean that warmer months aren't a great time of the year to sell either. The percentages may be slightly lower, but looking at the number of new contracts, it indicates there is simply a larger number of buyers in the market place during the warmer months.
This percentage of new listings versus new contracts is perhaps oversimplifying as it doesn't take into account price reductions, sales that have failed and come back onto the market, and inventory carryover from previous month's, but it offers a very simple and quick snapshot into the activity levels of both buyers and sellers.
Perhaps the best answer is to not try to time the market but to make the move when the timing works best for the individual or family. There might be school or work considerations or perhaps one just can't imagine moving in the winter. Whatever the reasonings, there might be a time of year that works best for someone to put their home up for sale. For buyers, it really helps to put oneself in a position where they are pre-qualified for financing and ready to buy but not in a position where they absolutely need to buy.
The included data was pulled on 11/13/17 from the Big Sky Country MLS, a subsidiary of the Gallatin Association of REALTORS®


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"Rather than being grasped too tightly and hugged for too long as a morning greeting, my hand was shaken and I was looked squarely in the eye and I was welcomed to my Monday morning. I realized this is what it actually feels like to be on the inside, to be one of the boys. In this space, respect and safety are out in the open. They are not just found in the shadows and the corners."
–Michelle Williams, Actor


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- Description
- Reviews
- Customers ()
- Specifications
- Cloud Hosting
- Customization
- Changelog
Joomla Virtuemart Marketplace Downloadable Product: This splendid add-on helps the merchant to run their marketplace based on the downloadable product. Joomla Virtuemart Marketplace Downloadable Product conveniently allows the sellers of the site to upload, add, sell and manage the product type which is downloadable.
Joomla Virtuemart Marketplace Downloadable Product Features -
- Supports downloadable product type.
- Well integrated and acting as a supportive add-on of Multivendor Marketplace.
- File download access at customer end is based on the order confirmation by admin.
- Option to add digital assets in "Add product" tab at seller end.
- The option of email notification consists of the downloadable link is provided.
- Functionality to set a maximum number of download individual order is available at admin and seller end.
Joomla Virtuemart Marketplace Downloadable Product Latest Features -
- A customer can request for mail if in case he has lost the mail provided at the time of Order.
- Admin has provided an option to set Number of Request mail that a customer can do.
- Admin had provided an option to set order status in case the Order has done using standard payment.
- Marketplace Sellers can change Order Status for an Order/ product on which they want to send the particular products link.
Joomla Virtuemart Marketplace Downloadable Product Support -
For any query or issue please create a support ticket here http://webkul.uvdesk.com
Joomla Virtuemart Marketplace Downloadable Product FAQ :
Joomla Virtuemart Marketplace Downloadable Product - Support
For any query or suggestion please visit our ticket support system : Support System
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Module code is completely open that means anyone can customize the code as per his / her need , as the developer of the module we also provide customisation and development of the module please contact us for module customisation Paid Service


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You baby will feel warm, safe and snug inside this cosy blanket. It is made from 100% cotton.
How will you design your product
Choose your favourite colour
Get to know your product
Important data and facts
|Dimensions (l x w x h)
|100 x 100 cm
|Total weight
|0,4 kg


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The MOST essential items for newborn photography.
Start shooting TODAY with one of our convenient Starter Packs & SAVE 10%
All new designs and colors!
For a limited time...
Buy 2 backdrops get 3rd FREE with code BUY2GET1FREE
or Buy 1 backdrop get 2nd HALF OFF with code BUY1GET1HALFOFF
Styling Mats for product photography
Take advantage of these limited time offers!
$ 139.00
Exclusive Product: designed and manufactured by Newborn Studio Props
Professional adjustable backdrop stand for newborn photography constructed with aluminum tubes and stainless steel elbows/connectors and screws. Assembles in minutes with 1 tool (screwdriver-not included). Ideal for photographers who shoot in-house and those who travel or shoot on-location.
✓ Aluminum tubes and stainless steel connectors
✓ Front and rear height is ADJUSTABLE
✓ Lighter than PVC ones the same size
✓ Assembles in minutes with one tool
✓ Professional look with polished metal finish
✓ Allows you to clip fabric to the top/sides to get the perfect stretching
This structure is ideal to be used with any type of bean bag and backdrop combination. The tubular structure allows you to clip the fabric to the top and sides to get the perfect stretching. You can also hold all types of backgrounds just like a regular stand.
Width: 3.93 ft (1.2M)
Depth: 3.93 ft (1.2M)
Rear Height (Adjustable): 3.93 ft (1.2M)
Front Height: Adjustable from 17.3in (0.44M) to 29in (0.74M)
Product Weight: 8.60 lb (our metallic backdrop stand is lighter than PVC ones the same size... but way stronger!)
NOTE: This is not a kit. Beanbag, blanket and clamps are not included.
Assembly required. Comes with instruction diagram for easy assembly. Includes set of spare screws for all connections and hexagonal wrench. Try replacing the original screws with this extra set in case you need or like tighter assembly.
Our #1 priority here at Newborn Studio Props is your happiness. Which means we stand by our product 100%, no matter what. If you have a problem, we'll solve it. Refund it. Replace it. Mail it in and we'll fix it. Whatever it takes. Don't forget to reach out to our Customer Service Team. We're here for you.


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Matthews Ext. Offset Arm 16″ to 25″
Matthews Ext. Offset Arm 16″ to 25″
$5.00 – $15.00
Offset Arms are a convenient tool when a lighting fixture needs to be placed off-center for the purpose of hiding the stand behind a set wall or coming over the top of the set. The Baby Extendable Offset Arm terminates in double 5/8″ pins and the Junior Extendable Offset Arm terminates in a single 1-1/8″ Junior Posi-V-Lock Receiver. Both extend from 16″ to 25″.
Additional information
|Days needed
1 Day, 2 Days, Weekly, Weekend


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Nonprofit organizations often have unique needs when it comes to implementing a CRM solution. While for-profit businesses are focused on engaging customers and convincing them to buy products or services, nonprofits have the task of trying to sell ideas. Whether it's humanitarian, political, environmental, or anything in between, selling ideas is always a unique challenge.
Businesses typically use CRM to communicate with prospects who are considering purchasing products and services for their own benefit. Nonprofit organizations use CRM to communicate with supporters and donors to convince them to invest in something that may never benefit them directly. This difficulty is often compounded by the fact that most nonprofits operate on very tight budgets.
To be successful, organizations that depend on donations must understand what issues donors/volunteers care about most and direct than their efforts to the appropriate donors.
Understand your members and help nurture long-term relationships with full membership management and history to gain a holistic view of your supporters. Features include recurring donations, automatic renewals and reminders, tracking membership sign-ups to source campaigns and activities as well as flexible payment management.
Use Dynamics in combination with Power BI to gain actionable performance insight to identify areas for improvement and support reporting compliance.
Our unique Direct Debit module automatically creates and updates Direct Debit mandates and payments in CRM.
Gain complete visibility over your fundraising and donations with dashboards and reports for quick insights. Easily drill-down to see Giving history showing average, largest and recent donations as well as Total to Date for each contact or organisation. Streamline your fundraising management with guidance through the seven stages of solicitation.
Group campaigns and communications for full marketing and appeal reporting. Discover which communication activities are the most effective and find out who is most receptive to your appeals with enhanced data segmentation. Use reporting to analyse budget spent, funding generated and exploit this data so future activities continually improve.
Easily integrate your Umbraco CMS website using our CRM connector, Harmony. Harmony allows real-time data from your CRM to be surfaced on your website, allowing members to view and edit their information, sign up to events, donate online and much more – ensuring all data is automatically updated in CRM.
Access Microsoft Dynamics over the web and via multiple mobile and tablet devices to keep your employees and volunteers connected around the world.
As well as taking advantage of all these features, you gain all the benefits from Dynamics 365, such as Microsoft Office, Outlook and SharePoint integration, an intuitive and familiar user experience to help increase user adoption, powerful reporting and much more.


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Cut Glass Tumbler Combined
3 types of parallel lines -vertical, horizontal and diagonal- engraved in a single tumbler. This tumbler is found in restaurants, homes and fondas all across México because it is made out of a durable and resistant glass. Diario transforms this mass-produced object into a unique piece when the cut glass craftsmanship patterns of parallel lines are engraved.
7cm diameter, 10cm height.


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Club News
District News
National News
Yanco Lions Club meets every 2nd and 4th Wednesday of the month at the Yanco Allservicemens Club 7 pm for 7-30pm start. A first class Chinese or Australian meal is served for only $15 per head.
Welcome to the Official Website of the Yanco Lions Club. On behalf of the members of the Club, We welcome you and encourage you to explore the site which we hope will open up to you the value in becoming a member of the LIONS Family. The Yanco Lions Club has been in existence for thirty eight years, having been chartered in 1977. The Club has a long history of service to the community and enjoys strong support in the local community. The Club embraces service minded people who not only want to belong to an organisation which has a world-wide reputation for charitable work but also enjoys the many social benefits which come with club membership.
Ordinary people doing extraordinary things -
Supporting people with a disability,
Local education support and fundraising for worthwhile causes.
Providing catering from our new modern Food Van which is available by contacting our Secretary Sue Parker on 69556427 or Mob 0429968967.
The Food Van is Catering for food requirements at the Annual Bidgee Classic and has its own power source from our 10KVA generator.
Our members participate in raising funds by selling raffle tickets at the monthly Yanco markets generally held on the last Sunday of the month..
Conduct a christmas cake drive and a yearly Ham raffle held in the last week of November to help raise funds for local education.
In addition to these fundraizers a yearly Garage sale has netted substatial funds for the local Volunteer Rescue Squad and Fire brigade service, Eventide Homes Committee and the Yanco Powerhouse Museum. This year funds have been donated to the Leeton Fire Brigade and the Yanco Country Womens League.This project has now been suspended due to lack of able body members to carry out the project.
Attend the Vintage Car Show and shine at the old caravan park Leeton.
Join with the Narrandera Lions club to man the Driver Reviver Van during school holidays.
The Yanco Lions Club has purchased the old Yanco garage and has cleaned up and repainted the front aspect of the building.
Be a part of the change at Yanco
Bring your own skills and vision to make Yanco a better place for all of the community and the broader surrounds of Leeton, Narrandera and Ardlethan.
Make a Difference to Your Community.
Fellowship...good times...meeting people...
building lasting friendships...service to the community...
Learning new skills...
Leadership and personal development-these are just some of the benefits of being a member of the Yanco Lions Club and part of the world's largest and most active service club organisation.
Contact email@example.com for further details
We are the Lions
Australia Day Breakfast Lions preparing the food on the BBQ.
We meet the needs of our local communities and the world.
Lions assist the Vintage Show and Shine by providing food with their new Chip cooker and BBQ.
Over 1.3 million men and women in 205 countries and geographic areas conduct vision and health screenings, build parks, support eye hospitals, award scholarships, assist youth, provide help in time of disaster and much more to become a Beacon of Hope.
Join us in making our communities and the world better places to live.
Becoming a Lion
Best way to catch up with WHATS ON is go to Sue Ryan Facebook page.
Narrandera and Yanco Lions combine to man the driver reviver station outside the Information Centre in Narrandera during school holidays.
Lions club members are men and women who strive to make a difference in their local community as well as in communities worldwide. Their volunteer efforts go beyond the support of vision care, to addressing unmet health and education needs worldwide.


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Electrical networks / Ravish R. Singh.
By: Singh, Ravish R.
Contributor(s): Singh, Ravish R.Material type: BookPublisher: New Delhi : Tata McGraw-Hill Education Pvt., Limited, [2009]Copyright date: ©2009Description: xvi, vp (various pagings) ; 25 cm.Content type: text Media type: unmediated Carrier type: volumeISBN: 9780070260962; 0070260966.Subject(s): Electric networks
|Item type
|Current location
|Call number
|Date due
|Item holds
|College of Engineering and Architecture Library
|TK 454.2 S56 2009 (Browse shelf)
Total holds: 0
Includes index.
New Century purchase 2-24-2010 2010-21540-01-1 P2,395.00
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Daily market commentary
Published On: July 26, 2019 03:00 AM NPT By: Republica | @RepublicaNepal
KATHMANDU, 26: The securities market witnessed constant selling pressure throughout Thursday's trading session as the benchmark Nepal Stock Exchange (Nepse) gave up more than 9 points in the initial trading hour. Though the index recouped some of its losses early in the afternoon, stocks continued to struggle throughout the latter trading hours. At the close, Nepse posted a loss of 14.15 points to settle at 1,269.92 points.
Nepal Rastra Bank (NRB) remained silent on forced merger of commercial banks in the Monetary Policy for Fiscal Year 2019/20 released on Wednesday. However, the monetary policy has encouraged mergers and acquisitions of banks and financial institutions through a number of incentives. The central bank has made mandatory for all commercial banks to issue debentures worth 25% of their capital within this fiscal year, while such limit for banks going for merger will be extended for another fiscal year. Some measures to lower interest rates have also been taken. The spread rate for banks has been set as 4.4% - down from earlier 4.5%. Besides, various other provisions have been made to address liquidity situation in the economy. Despite the policy remaining largely on the positive side, some market skeptics believe that the provisions are still not enough to address the current interest rate issue or credit crisis problems. Secondary market participants seem to share the similar opinion as reflected by a broad sell-off seen on the day. Total turnover stood at Rs 550 million which is 24% higher than market activity of the previous day.
The broad slump saw all sectors close the day in red. Hydropower, Non-Life Insurance and Hotels sectors suffered the most as their respective sub-indices tanked 1.78%, 1.63% and 1.56%, respectively. Further, sub-indices of Microfinance, Development Bank and Banking sectors logged losses of over 1% each. All other segments followed suit with moderate losses.
Shares of Prabhu Bank Ltd were actively traded on the day with a turnover of over Rs 61 million after the company reported more than 100% increment in its net profit. As per its financials for the fourth quarter of FY2018/19, the commercial bank's earnings stand at over Rs 2,050 million. Agriculture Development Bank Ltd and Nepal Bank Ltd registered turnovers of Rs 41 million and Rs 39 million, respectively. Upper Tamakoshi Hydropower Ltd, Mega Bank Ltd and NIC Asia Bank Ltd were other active scrips of the day.
Nepal Lube Oil bucked the trend as its share price rallied by almost 9%. Similarly, shares of Shree Ram Sugar Mills Ltd posted gains of 4.61%. Global IME Laghubitta Bittiya Sanstha Ltd and Khanikhola Hydropower Co Ltd also saw their share prices climb up by over 3% each. Nepal Hydro Developers Ltd, Sparsha Laghubitta Bittiya Sanstha Ltd and Ridi Hydropower Company Ltd, meanwhile, added over 1% on their share price.
In contrast, Union Hydropower Ltd came under significant pressure as the hydropower developer's share price hit the lower circuit of 10%. Share price of National Microfinance Bittiya Sanstha Ltd declined by 5%, while Barun Hydropower Co Ltd and Nadep Laghubitta Bittiya Sanstha Ltd saw their share prices fall by over 4% each. Oriental Hotels Ltd, Ganapati Microfinance Bittiya Sanstha Ltd and Mahila Sahayatra Microfinance Bittiya Sanstha Ltd were the other major losers of the day.
Among companies publishing their financials for the fourth quarter of FY2018/19, Global IME Laghubitta Bittiya Sanstha Ltd saw its net profit grow by over 300%. Its earnings stands at Rs 68 million compared to Rs 15 million in the previous year. Similarly, NMB Microfinance Bittiya Sanstha Ltd reported an 86% year-on-year growth in its net profit to Rs 60 million.
As per ARKS technical analysis, the market formed a bearish marubozu candlestick on the day, reflecting sustained selling pressure seen in the bourse. The momentum which was apparent in the previous sessions has subsided fairly. Nonetheless, the index is still trending around support level of 1,270 points. Hence, only a breach of the support zone with considerable volume in the coming days will substantiate the downfall further.


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There was a unique situation where Rosalie and her four sisters were all in Mexico at the same time. The problem was, two were in Puerto Vallarta and three were in Melaque. Further complicating the situation was, that of the two in P.V., one was arriving and twelve hours later the other was leaving. We, however, would overcome.
Brother-in-law Vic arranged to rent a seven-seater van and we started our quest. The van was fine and got us there but it had no rear shocks. There are many, many topes (speed bumps) on the main road to P.V; up to four in each little town we passed through. Most are not well marked and if Vic, who was driving, happened to hit one a bit too hard Gordie and I, who were sitting in the back, tended to head for the ceiling and then return with a spine-crushing thump. There were also road works with unexpected ridges which added to our misery.
Sister-law-Delorie was the one leaving so we spent a day with her in a luxurious apartment overlooking the ocean.
We sat around the pool, drank wine and generally had a good time. That evening we picked up Marina and her friend Barb and we all went to the Marina for Dinner.
Some of us had been to Victor's Place Restaurant previously so we knew the food was good and that he dishes out a lot of free booze. In fact, he gave our table two bottles of Tequila as part of the service.
Victor always greets his visitors personally with "welcome home" even though he hadn't a clue who we were. Even if we had been there previously he probably wouldn't have remembered as every time he handed out free drinks he had to have one himself. The thing is he never seemed drunk. He is a very nice man and we would go back again; and not just for the free booze, although that is a strong consideration.
Sadly, Delorie had to leave early the next morning. So Vic and I took Suzanne, Marina and her friend Barb to Walmart to get some supplies. We also got their phones hooked up with a Mexican sim card. They got unlimited calling and text in North America plus 2 gigs of data for 50 pesos (about $3.50) for 15 days. We are being ripped off in Canada.
That evening we walked the Malecon and saw some great sights. Firstly, me panicking because we were so intent on the sunset we missed the start of the action. It was cooler then, as we watched the sun go down.
The following morning we pilled into the van and headed back to Melaque and those bone-jarring topes.


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Quick Facts about the book:
- Title: 500 Juices and Smoothies
- Author: Christine Watson
- Publication Date: June 1, 2008
- Series: 500 Series Cookbooks
- Pages: 288
- Our Rating: 8/10
Christine Watson's 500 Juices and Smoothies is an amazing pictorial collection of five hundred refreshing juice recipes. If you are disappointed by the free crappy recipes littered everywhere on the internet, you need to take a look at some of the finest smoothie and juice recipes found in this compendium. You'll find all the necessary tips from buying items to serving the delicious sap.
Meet the author of 500 Juices and Recipes
Watson is a famous food expert from the United Kingdom. After completing her training from the famous Leiths School of Food and Wine, London, she has been writing about foods and testing recipes for the topnotch magazines, newspapers and books. She is also a food stylist for commercials and TV shows.
What's inside?
Let's first take a look at the table of contents:
- Introduction
- Simple smoothies
- Breakfast blends
- Fragrant infusions
- Health tonics
- Juice boosts
- Blends for kids
- Milkshakes
- Thick and frosty
- Naughty but nice
- Boozy blends
- Index
Whether you are planning to improve your lifestyle or just want to feast your taste buds, 500 Juices and Smoothies has everything. It's packed with an endless variety of flavors and classic recipe-ideas for festive drinks. If your love for your favorite juices is dying, this book will renew the passion by spicing, thickening and sweetening up the recipes.
You won't find unnecessary rambling, or the off-putting technical info; just the introductory section about basics of juicing, suggestions for substituting ingredients, and then hundreds of ideas for juices and smoothies with full-color photos.
Author's style
Christine Watson, from all her experience of working for newspapers and TV, knows simplicity is the key. The book is written in an extremely simple and easy-to-follow tone. Each recipe is clearly stated with its ingredients and blending time, and the colorful pictures are just icing on the cake.
What we loved about 500 Juices and Smoothies
- Chockfull of newfangled and delicious juice and smoothie recipes
- No-nonsense, simple and clear writing style of the author
- You'll find all the required items in nearby grocery store
- Full-color pictures that give you an idea of what your drink should look like once it's ready
- Affordable price
What's annoying?
- It's somewhat repetitive; several alternate recipes which are actually tweaks of the original. Moreover, some sentences are also repeated in different recipes which make it less interesting
- Most smoothie recipes are high in calories, not ideal if you're already overweight – but this of course depends on your overall daily calorie intake
Do we recommend this book?
If all the 500 recipes were unique, we would have given it a 10/10 rating – but the replication was the only reason it got downgraded to 8/10. We still highly recommend 500 Juices and Recipes because of its affordable price, clarity, conciseness and the wide range of delicious recipes. Click the link below to learn more or to place your order now:
500 Juices and Smoothies Canada
If you want to grab a quick fix, feel free to visit our Recipe Section


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SAD PANCAKES: A day spent with my favourite South African family on this planet. Okay, i might sound cheesy or gay but seriously, they're the best!!!! We chilled at this wonderful park place, had a delicious to-die-for- braai with everyone, took a few pictures of us for my last full day in this beautiful country. It was actually the one i hated the most but it was amazing to spend time with these beautiful and such amazong people.
I can't thank each one of you enough for all the fun I've had with everyone of you from Day 1 of my trip.
Now, sit back, scroll threw the pictures, and just get a little taste and feel of this wonderful day with me. I wish I could go back RIGHT NOW!
I miss you all so much! 🙁
Until we meet again!
♥ Giulia Zampieri


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Lil Wayne - D6: Reloaded (Review)Martin_Canine LIL WAYNE
D6: Reloaded
What I, as a non-American, never got: how came Lil Wayne's reputation went from the same amount of acclaim that Kendrick Lamar gets now - he was regularly called the best rapper alive, also by critics, and Tha Carter III was immediately considered a classic - to being frequently called a terrible MC? I got news for you: this dude can rap. It doesn't matter that he doesn't contain all too many deep songs - no, scratch that, he has no deep songs at all - when he delivers it that strongly. He twists and turns the English language around, his flow rides the beat jockey style. If you look beyond his topics, this guy spits some crazy punchlines, call that boxer's cocaine. The first three Tha Carter installments are fabulous. I wouldn't shy away from awarding them my full five star rating, and they are among my most listened to American hip hop albums. Unlike many, I also digged Rebirth as an anarchic record with a strongly unique sound. Admittedly, his albums have gotten weaker in the 2010s. I wouldn't bash them as much as other do - or at all - but the initial energy and lyrical playfulness have begun to decrease a tiny little bit. It's not nearly enough to justify the hate, but still, where is the sick flow, the raspy vocal experiments and the twists in language that made every Weezy record such a fun experience? I don't know. What I do know on the other hand is that this only goes for his studio albums. His mixtapes are the silver lining to cling to.
I assume that on the mixtapes he's freed of any commercial interests and therefore goes on full fun mode. Songs like Love Me were made to be earworms, they're sung rather than rapped, and what ultimately leaves the biggest impression is Future's chorus and Mike Will Made It's beat. Many songs on his later works sound drowsy, with hypnotic production and calm vocals that contain little challenging in the lyrics. These are radio songs. Now, on his mixtapes he raps over music that already exists, knowing that the overall project will not be predominantly released for sale. D6: Reloaded has very little moments that sound as if Wayne's major interest was creating a catchy tune, but there are many moments where his puns are witty, his boasts are actually hard hitting and his flow is so gripping and insanely dynamic that this guy would win every rap battle.
Want a tasty sample?
"Hallelujah, power intruders / B'tch walk around my house like Hooters / Towel user, power user / Molly mixed with white girl, Molly Susan / N's talkin' out their bowel movers / Turn they homies into flower choosers / Turn your kids into father choosers / Make your b'tch a widow and your mom a cougar / I'm a silent shooter with a silent shooter / Clap at you, if you don't die, I'll boo ya / Tell a doc that's tryna to save your life and runnin' wires through you / He could die next to ya / I'ma make the nurse ride me like a giant scooter / Let her partner shoot it, we pull out the movie, win awards / She got a Golden Globe head and an Oscar booty / N's prostituting, these rappers ain't talkin' about s't, not even about pollution / Ain't got a house to live in, ain't got a pool to swim in / Change in their pockets, nor a couch to lose it"
Wow, what a nice rhyme chain. And it helps that he raps it so fluently that its effect on the listener is tripled simply by the performance. Does he ever take a breath during his verses?
Many songs on the 90 minute long D6: Reloaded, which is by the way not an expanded edition of Dedication 6 but a completely independent mixtape, contain no choruses and are a pure show off of rapping skill. And this is what Wayne is best at. This is what has made him good in the first place. Of course, it rarely feels like an album, it's a collection of many different already existing songs by different artists and different producers, all reimagined by Lil Wayne who more than once gives a better show than the original rapper. That's what is: a giant show, a hip hop wrestling match, a special effects drenched action blockbuster, a parade of style and colors (most notably, purple). It doesn't have the class of the Tha Carter albums, and the unnecessary skits at the end of almost every track make it approximately 20 minutes too long, but heck, I was greatly entertained.


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1. Go to CoinEx website www.coinex.com, and click [Assets] at the top right corner.
2. Select the coin you want to withdraw, and click [Withdraw].
3. On the page [Normal Transfer] is the default option, you can directly enter an address or you can click on [Current address] and use [+ Add address] to save a new address; if you need to withdraw your coin to a saved address, you can also click [Current address] and those saved addresses will be shown for you to select.
4. Enter the [Actual] amount you want to withdraw(actually received amount [Actual] = deducted amount [Deduction] - handling fees [Fees]). Before you submit your request, please make sure the withdrawal reaches the minimum deposit amount of the receiving platform so as to avoid unnecessary loss.
5. Check the information you have entered, and then enter your SMS code or GA code after you receive one.
6. Confirm the withdrawal address and the actual received amount, and then click [Withdraw NOW].
7. After you click [Withdrawal NOW], you will receive an email in your registered email account sent by CoinEx to confirm the withdrawal. Please carefully check the withdrawal amount and the receiving address and then click [Reconfirm].
Note: to ensure the safety of your account, the confirmation email is only valid in 30 minutes. If this is not operated by you personally, please change your login password immediately and contact CoinEx customer service.
8. After the request is successfully submitted, the system will automatically verify the withdrawal and notify you via email an SMS. "Withdrawal Request Verified" means the withdrawal is successful and please kindly wait for the confirmation of the network.


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The suit had turned much of Silicon Valley against Yahoo, since the suit seemed so clearly timed to force soon-to-go-public Facebook into coughing up a big cash or stock settlement. But the move backfired, as Facebook then not only spent big bucks to buy its own patent trove, it countersued Yahoo. Not long afterward, Yahoo's then-CEO Scott Thompson, whom some has said was a driver of the suit, left under a cloud thanks to apparent doctoring of his resume. In early June, negotiations began between the two companies to end the fight.
How dumb an idea was Yahoo's decision to sue one of the most powerful and influential companies in technology today, one that had been a partner up to then? So dumb that the settlement doesn't include monetary considerations to Yahoo at all, beyond a vague promise to work together more closely in the future--promises that Yahoo CEO Ross Levinsohn and Facebook COO Sheryl Sandberg failed to shed any more light on in an interview with AllThingsD's Kara Swisher. From the release:
Yahoo! and Facebook today announced that they have entered into definitive agreements that launch a new advertising partnership, extend and expand distribution arrangements, and settle all pending patent claims between the companies.
Under the agreements, which include a patent portfolio cross-license, the parties will work together to bring consumers and advertisers premium media experiences promoted and distributed across both Yahoo! and Facebook. Yahoo! and Facebook will also work together to bring Yahoo!'s large media event coverage to Facebook users by collaborating on social integrations on the Yahoo! site. ...Going forward, Yahoo! and Facebook have agreed to work more closely and collaborate together on multiple tent-pole and anchor events annually over the next several years to provide unparalleled experiences for consumers and world-class sponsorship opportunities for advertisers.
What the deal doesn't settle, however, is the wretched state of patent law, especially as applied to fast-changing technology industries, that made the short-lived war possible in the first place. Some companies, such as Twitter, are trying to change the game with new policies that limit when they can sue. And the influential appeals court judge who recently tossed out Apple's patent lawsuit against Google's Motorola Mobility unit, Richard Posner, is questioning whether software should be patentable at all.
But notwithstanding the Yahoo-Facebook accord, it seems far more likely that patent wars will worsen before they improve.


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AUSTIN – Los Angeles-based Karlin Real Estate has purchased the 112-unit Railyard Condominiums at 201 E. Fourth St. for $104 million.
The 70,694-sf, two-block site will be redeveloped into a 1.7 million-sf campus with a 47-story office tower and a 51-story office and residential tower.
The $1,471 per-sf deal is believed to be a record for downtown land.
The Railyard was built in 1983 as an apartment complex and converted to condominiums in 1999.
The Real Estate Center has more news for Austin-Round Rock:
Our twice-weekly e-newsletter provides a quick overview of Texas real estate markets. Because your time is valuable.


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As a country artist, Bradley Walker expresses his emotions and romantic side through his music. The artist's muscular dystrophy, causing him to to be wheelchair bound, does not lessen his talent: once the notes hits, his gift is undeniable!
His musical influences are obvious when listening to his tracks, including many great artists such as Merle Haggard, George Jones, Mel Street, to name a few. It's thanks to artists like him that country music still lives on, as many so called 'country' artists are now more pop-driven.
Celeb Secrets Country questioned Bradley Walker about his recent album, Call Me Old Fashioned and his love for Joey+Rory. Browse through the pages below to learn more about how fans have changed Bradley's life, making Call Me Old Fashioned, and the best part about performing at the famous Grand Ole Opry.
For the latest on Bradley Walker, visit his official website at http://www.bradleywalker.com/.


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- Products
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- Who We Are
by Brett Daniel, on May 7, 2020 11:05:50 AM
There are several types of rugged computers out there supporting a variety of different military, industrial and commercial applications. The most common, however, is the unmistakable rack server. These slidable, hot-swappable, …Read Story
Our blogs cover the latest ruggedized computing news and company updates.
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An ulcer is an erosion (open sore) on the surface of an organ or tissue. Ulcers most commonly erupt in the esophagus, stomach, and duodenum, in which case they are known as peptic ulcers. About five million Americans have peptic ulcers.
The problem begins, in most cases, with a spiral-shaped germ that seems to live for one purpose, digging holes in our stomachs. This bacterium, known asHelicobacter pylori (H. pylori for short), is very common: It is found in about half of all people under 60 years old in the United States. H. pylori never causes problems in most people, but in an unlucky minority, the bug burrows through the stomach's protective mucous coating. The bacteria and stomach acid irritate the sensitive lining beneath, causing ulcers to form.
In some cases, H. pylori is not the villain, however. People who use nonsteroidal anti-inflammatory drugs (NSAIDs) and aspirin for pain relief over long periods can develop ulcers.
Heredity also plays an important role in contributing to ulcers. People who have a family history of ulcers seem to have a greater likelihood of acquiring the condition, as do people with type O blood. In addition, liver disease, rheumatoid arthritis, and emphysema are among the conditions that may increase vulnerability to ulcers. Stomach and pancreatic cancers also can cause these sores to form.
Ulcers can produce mild symptoms resembling heartburn or severe pain radiating throughout the upper portion of the body. The most common discomfort of ulcers is a burning sensation in the abdomen above the navel that may feel like hunger pangs. Pain comes about 30 to 120 minutes after eating or in the middle of the night when the stomach is empty. At this time, the acidic stomach juices are more apt to irritate the unprotected nerve endings in the exposed ulcer. Usually, pain subsides after eating or drinking something or taking an antacid to neutralize stomach acid.
Some people experience nausea, vomiting, and constipation. Blood in the feces (discoloring them black), blood in the vomit, extreme weakness, fainting, and excessive thirst are all signs of internal bleeding and may appear in more advanced cases.
Although ulcers are not usually life-threatening, they can cause serious damage if left untreated. Ulcers may erode nearby blood vessels and cause internal seepage of blood or hemorrhage (massive internal bleeding). A perforated ulcer may penetrate an adjoining organ, causing infection.
Stomach ulcers are often treated with antibiotics or medications to reduce, block, or neutralize stomach acid. There are also natural home remedies you can use to help ease the symptoms of a stomach ulcer and help it heal but for the purpose of this article, we will focus on Honey.
Honey is far from simply sweet. Depending on the plant it's derived from, honey can contain up to 200 elements, including polyphenols and other antioxidants. Honey is a powerful antibacterial and has been shown to inhibit H. pylori growth. As long as you have normal blood sugar levels, you can enjoy honey as you would any sweetener, with the bonus of soothing your ulcers.
Honey possesses a number of curative powers and has been shown, in particular, to be an effective ulcer treatment for two reasons. First, glucose oxidase, an enzyme in honey, produces hydrogen peroxide, which kills harmful bacteria that can contribute to the development of ulcers. Then there are other floral antibacterial substances in honey, which come from flowers when bees collect pollen, that add to honey's effectiveness in eliminating bacteria.
Certain varieties of honey, however, can be more effective than others at healing ulcers. There are reports from Saudi Arabia, where local honey was used to cure ulcers, and from doctors in Egypt and Russia, who have had positive results using their local honeys.
The key to successful ulcer treatment appears to hinge on it being natural, unprocessed honey. Raw honey has potent healing properties that help a lot in the treatment of stomach ulcers. An enzyme called glucose oxidase in honey produces hydrogen peroxide, which in turn kills harmful bacteria that cause ulcers. Plus, it soothes and reduces the inflammation of the stomach lining.
Take two tablespoons of raw honey daily, early in the morning on an empty stomach. It will help cleanse the bowel, strengthen the stomach lining, and prevent and treat stomach ulcers. When the problem has eased, 1 tablespoon daily will probably be enough.
Aside honey, there are other natural ways to go which include: Coconut, garlic, bananas, cabbage, fenugreek, cayenne pepper, licorice, slippery elm, wood apple. Now you're well equipped to get rid of that ulcer.


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|Review by cstrang
|posted 10-13-2009 11:17 PM
|3277 views
|0 times favorited
|8 comments
- DeWalt DW3128P104
- Brand: DeWalt | Category: Saw Blades
I bought these blades as a set about a year ago now, however they did not last that long in my saw, they stayed in my miter saw and table saw for about a week and then they found a new home on my blade rack only to be taken down for the odd occasion when I build a deck. I paid about $40.00 for this two-pack of blades and they aren't even worth that in my mind, but I was looking for a good deal and this popped right up. I find that the yellow strip makes more friction than anything else and it wore off onto the wood I was cutting, and wasn't as easy to get off as you would think. After the week was over I went out to purchase two Freud blades for about $70.00 each and they were worth every penny, they are chrome so they resist corrosion and they can be sharpened up to 6 times, I will be doing a review on these soon. But as for the two DeWalt blades, they are good for contractors, not finished woodworkers, this has taught me the lesson that I have learned before of spend a little extra now in order to save a lot of money, time, and headaches later on down the road.
-- A hammer dangling from a wall will bang and sound like work when the wind blows the right way.
8 comments so far
#1 posted 10-14-2009 01:05 AM
I bought this set a year or two ago for my 12" miter saw for ~$30. They are far from the best blade around, and do have problems with tear-out, but they are essentially $15-$20 blades, and you are comparing them to a $70 blade. Hardly a fair comparison. Would I buy them again? Probably not, but they're not bad. Better than the blade that comes with the saw, that's for sure.
#2 posted 10-14-2009 01:12 AM
I realize that these blades arent on the same playing field as the Freud blades but I guess what I was trying to say is that its better to spend the extra bit of cash and get a great blade rather than save and get a blade that is less then good, I was also trying to stress that I really am not a fan of DeWalt blades, I have a DeWalt circular saw and the best thing I ever did with that was put a new blade in it.
-- A hammer dangling from a wall will bang and sound like work when the wind blows the right way.
#3 posted 10-14-2009 03:01 AM
#4 posted 10-14-2009 03:29 AM
I took the 40 off the day I baught my saw replaced it with a FREUD and and never looked back…
-- All bleeding will eventually stop.
#5 posted 10-14-2009 07:24 PM
I agree that the dewalt blades are not worth the effort. I bought a circ saw and the first thing I did was remove the dewalt blade and put a freud. Perfect. I did keep the dewalt blade though. Like most I do some minor renovation and the dewalt blade is perfect for something that only going to be covered by drywall.
I agree, spend a little more up front and save the headaches later.
-- If all you have is a hammer, everything looks like a nail!
#6 posted 10-16-2009 04:40 PM
Same here, I replaced the Dewalt blade the day I got my CMS.
-- Methods are many,Principles are few.Methods change often,Principles never do.
#7 posted 10-20-2009 07:12 AM
I bought these blades to lay my floor. Needless to say my old worn out blade cut better than the new Dewalts.
#8 posted 11-06-2009 04:39 PM
Thank you for posting this…I've never thought the DW construction "series 20" was suitable for fine woodworking, and typically recommend against them unless for framing use. Contrary to other's opinions here, DeWalt does make some excellent premium blades….just not this particular series. Since they have multiple quality levels, it's inaccurate to group them all together as being equal quality. The former series 40 and series 60 blades that were made in the UK were excellent…arguably comparable to Forrest, Freud's best, CMT, and other top blades. The series 40 and 60 blades are still around as New Old Stock (NOS), but have mainly morphed into other lines under the B&D umbrella (soon to be the Stanley Tool umbrella!)...the new DeWalt Precision Trim (PT) series (all yellow) is made in the USA and is very good…roughly comparable to lower and mid level Freud's. The DW series 60 has morphed into the Delta Industrial series, and manufacturing has moved from the UK to the US…..ie: the DW7657 has become the Delta 35-7657, the DW7646 has become the 35-7646, etc. So if you compare apples to apples, you'll will find some good to great DeWalt/Delta saw blades.
One side note that's worth mentioning, is the Freud has stopped marketing their TK/Avanti series as of June 2009….some where along the way HD is now offering a lower grade Chinese made "Avanti" and "Avanti Pro" line that is not made by Freud and is much lower quality…the HD "Avantl" knockoff appears to be the former Oldham contractor line, and the "Avanti Pro" knockoff appears to be identical to the DeWalt contruction series 20 review above….so buyer beware on those. A little homework can save you some disappointment and money.
-- Happiness is like wetting your pants...everyone can see it, but only you can feel the warmth....
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Commercial Property Finance
Commercial property finance is often more complex than normal residential funding. Some financiers specialise in commercial property finance because of the complexity of some situations. Normally banks will lend up to 70% of the value of the property but this value is often based on the rent/yields achieved by the property.
Emphasis is placed on the following criteria when analysing a transaction:
Property fundamentals – This includes property type, condition, layout and location;
Market analysis – This ensures that the property is at its highest and best use and is in line with market valuations and demand;
Investor analysis – Each client behind a transaction must have the relevant knowledge and experience to maintain the property;
Counterparty strength – Tenants must have a strong operating history and sound financial standing to give comfort that, going forward, lease obligations will be met.
Commercial Property Investment Structures
Commercial property can be acquired in the name of a personal individual or a syndicate of investors in their individual capacity, a Close Corporation, a Company (Pty Ltd) or a trusts can purchase commercial properties.
Understand your risks on a commercial Property
A well-researched commercial property investment can be very lucrative and require little attention for some time once it's tenanted. However, awareness of the risks will enable the investor to be prepared for adverse circumstances.
Risks a commercial investor should to be aware of:
- Lease terms
Long-term leases of 3–5 years or more can have advantages, but it takes longer to find a tenant if the property becomes vacant. Prolonged periods of vacancy are common and an investor will need to be able to handle the carrying costs during this period.
- Size of commercial property
Larger commercial properties can be harder to lease than smaller units and will cost a lot more on holding costs.
- Supply & demand
The changes in supply conditions can create potential problems. An increase in new property coming onto the market in the same area creates a threat to existing tenancies as tenants may look to upgrade or expand. Strong supply can also reduce potential yields.
- Changes in infrastructure
Major infrastructure implementations or changes have both a beneficial and negative effect on commercial property returns. While infrastructure can attract commercial investment to an area, it has the negative effect of drawing tenants from existing areas. Keep in mind that areas close to CBDs are always popular. However, new growth areas further away tend to have more pronounced cycles.
Do investors understand the commercial property market drivers?
The most fundamental driver for commercial property growth is similar to the residential market – it's demand. However, commercial demand is driven by economic factors as well as population growth and consumer behaviour.
Booming commercial markets are supported by strong international, national and local economies and a strong economy is fundamental for any successful commercial property investment.
With the growth of the economy, logistic companies experience the first signs of growth, driven by the increased demand for materials used in the manufacture of goods for sale, an increase in imported goods and or an increase in building activities. Transport stocks begin to rise on the back of increased business and earnings, more jobs become available, and the demand for office space increases.
As the economy continues to grow, the demand will start for warehouse space, then retail, followed by office.
Receive Member Only Benefits by joining the in2assets Real Estate Buyers Club
The in2assets Real Estate Buyers Club focuses on sourcing safe and successful hands-free real estate investment opportunities within a variety of niches. There are thousands of members benefitting from being the first to know about many new real estate investment opportunities in Southern Africa, whilst having first access to our detailed new listings and members recommendations.
The in2assets Real Estate Buyers Club is free to join and has many advantages for both buyers and sellers by having preferential access to all members via our information network.
Your membership will guarantee you staying ahead of the latest real estate investment trends; and meticulously investigating unique niche opportunities, in2sssets ensures that our members benefit from both our passion for property and market knowledge. We offer a direct service to people, and pride ourselves on being real and transparent, with a focus on property sales statistics and realistic projections.
The in2assets Real Estate Buyers Club is not an investment pool and all our focus is to help you, the Buyer, to find a property that suites your needs. To be in a position to determine your specific property investment needs, we first need to know your areas of interest in any niche and mainstream real estate markets.
We always will have selected specific opportunities based on yield size, capital growth, security and reliability. Not all of our property opportunities are listed on our website and are sometimes of confidential nature, only available to our club members.
In essence: The service we provide is solely to educate and assist our members to invest into the right property, with the aim to build a long term relationship and to develop trust and confidence in what we offer.
- First time residential purchase advice
- How to build a residential portfolio
- How to build a commercial portfolio
- Assistance in financing property transactions
- How to value commercial or residential property
- How to inspect buildings
- Legal advice in property law in South Africa
- Property Glossary
- Property trends and analytics
- Deeds service advice
- Procurement services
- Sales & marketing services
- Zoning and servitudes
- Land claims
- Consumer Protection Act
- A pool of property related templates
- Property management advice
The property service industry and market that we operate in necessitates:
- Private residential property owners & sellers
- Commercial owners & sellers
- Institutional owners & sellers
- Listed property funds
- Retail banks (finance and recovery)
- Commercial banks (finance and recovery)
- Liquidators and business rescue practitioners
- Attorneys and property conveyancers
- Commercial brokers and real estate firms
The type of property that we are dealing with:
- Residential property including lifestyle properties
- Commercial property including apartment blocks
- Retail including large shopping centres
- Industrial properties including industrial parks
- Hospitality and Hotel Investments
- Agricultural property including game farms
- Lease hold properties and sale of property shares
- Development land
- New developments
As a in2assets Real Estate Buyers Club member, you will have access to a big pool of information that will help better equip you in understanding the real estate world and to make the right decision when it comes to buying property.
At some point in the future, despite high rental returns, you may wish to exit the investment in order to realise the capital growth. The right exit strategy is crucial and by than we hope our relationship has grown to the extent that our team of property marketing experts can assist you in the sale of your property via our membership platform of the in2assets Real Estate Buyers Club.
What are Fittings in a Property Transaction?
Fittings are Items such as curtains or carpets, which are not fixed to a building and are not included in the sale of the property unless specifically included as such in the deed of sale.
Why is good Property Photography important?
Good photographs and videos can make the difference between just offering a property for sale and really appealing to a potential buyer. Many times the photos of a property motivate a potential buyer (or not) to take the next step, to decide to look at the property. Photos and videos are the first impression a potential buyer has of a property. They "sell" the property!
What is an Access Bond Facility?
An access bond facility allows bondholders to pay extra cash into a home loan account to benefit from savings on interest on the bond, but bondholders can withdraw this cash again if needed.
An access bond can also be used as an effective tool to manage your money and to pay off your property quicker. It is a mortgage account that is flexible and simple and gives you access to funds accrued while paying off your bond.
In2assets explains:
If, for instance, you purchase a home worth R1m and pay the monthly instalment plus an additional R1 000 a month, Rainer Stenzhorn of in2asets says you will save very little in interest in the first year or so. This is because you will only have paid off an extra R12 000 in capital on the initial amount of R1m.
Stenzhorn says on a 20-month mortgage of R1m, you will have repaid R19 902 in capital in the first year, which would have been R31 902 if you had paid an extra R1 000 a month.
He explains that as time progresses, the outstanding amount of capital will get smaller, meaning the interest component of the monthly instalment will also get smaller as it is calculated on a diminishing outstanding capital amount.
What are House Rules?
House rules are in general Rules governing the control and management of the property in a Sectional Title development.
What is a Homeowner's Association?
The homeowner association is an association of homeowners in a given area, formed for the purpose of improving or maintaining the quality of the area. Similar to a body corporate.


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The sports for social change brand
Xwolf is a socially conscious sports brand where profits from sales are shared
with organisations which use football as a tool for social development
Xwolf Teamkits
Xwolf is a socially consious sports brand. We deliver high quality football kits to teams and give back to their communities.
An Xwolf kit employs moisture managment climatecool technology for enhanced evapouration and breathability ensuring peak performance in all conditions.
Sustainable Income
Generate revenue for non- profit organisations which use sports to promote positive social change in underserved communities
Quality Apparel
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Xwolf Ares Sublimated Team Kit
Xwolf Ares Sublimated Jersey The Xwolf Ares short sleeve jersey is designed with sublimated gradient stripes for long lasting vibrancy, as well as a v-neck collar that is taped on the inside for a comfortable fit.. The jersey is made with X-Cool polyester which wicks...read more
Team South Africa wears Xwolf
The 15th edition of the Homeless World Cup will take place in Oslo's iconic Rådhusplassen, The City Hall Square, between Oslo City Hall and Oslo Fjord, from 29 August – 5 September. Over 500 players representing more than 50 countries will be in attendance, in what is...read more
Xwolf – A new era of team wear
Xwolf - a new era of teamwear...designed for an elite breed of sportsmen... Whether you're a soccer team, hockey team, netball or rugby team, kit your team out in superior quality teamwear supported by X-cool technology with the new sports brand Xwolf - taking the...read more


text: Everyone loves the polished look a curling wand or flat iron provides to any hairstyle, but few know the proper way to use their favorite hot tools without critically damaging their hair at home. Eufora Style Director Mirza Batanovic shares some vital advise every stylist should pass along to their hot-tool loving clients. Browse February's list of Hot Topics in this issue of Beauty Launchpad Magazine to get the smoldering advice every guest needs to hear this month.


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Gujarat may start a cruise liner service between Mumbai and Porbandar by the end of this year.
"The plan is to introduce a cruise ship, to be run by a private operate which will take tourists from Mumbai to Porbandar and Kutch as part of a three-day package," Vipul Mittra, Gujarat's principal secretary of Tourism was quoted as saying in a PTI report.
We are hopeful that by this winter it (cruise ship connectivity) will start. Gujarat has the longest coastline of 1,600km. We have identified 17 beaches along the coastline and our focus is to develop coastal tourism in these places and make Gujarat a coastal tourism destination," Mittra added.


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Christmas in Homestead
December 9, 2016
Enjoy the Hallmark Channel Christmas in Homestead on YouTube!! Filmed in Dahlonega, the movie features Taylor Cole (The Originals), Michael Rady (Sisterhood of the Traveling Pants), Michael Nardelli (Revenge)! Happy watching!
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Tower Hamlets politicians react angrily to government's grammar school policy
PUBLISHED: 18:00 04 October 2016
The council has said that it will openly oppose the government's policy allowing new grammar schools to open.
The Mayor of Tower Hamlets, John Biggs, promised that the council would focus on expanding and improving the borough's 'excellent' comprehensive schools.
"Our borough has some of the best state schools in the capital, we don't want to jeopardise that progress by encouraging segregation in our education system," said the Mayor.
"One of Tower Hamlets' greatest strengths is our diversity and people of different backgrounds and talents working together.
"That is the total opposite of grammar schools who discriminate based on ability and try to hive off the highest achievers. That just segregates society further.
"I want to see every penny possible spent on improving schools that are open for everyone, that's why whilst I am Mayor the council's policy will be to oppose any new grammar schools opening in our borough."
The Mayor's pledge comes after activists were out campaigning across the borough last weekend against the government's new grammar schools policy.
Elaine Bagshaw, Liberal Democrat parliamentary campaigner for Poplar & Limehouse, was more forthcoming in her assessment of the government's plans.
"In this day and age, this is completely unacceptable. We have fantastic schools in our local area that provide a brilliant education without using selection," said Elaine. "George Green's School; Langdon Park and Wapping High School are all fantastic examples of how you can change people's lives without using selection.
"The reality behind grammar schools is that they predominantly benefit the children of wealthier households. "Now, the Conservatives' plans for grammar schools goes directly against what we did in government when we set out to raise the standards for all.
"Liberal Democrats will fight any attempt to change existing schools in Tower Hamlets to grammar schools and we will fight plans to introduce new schools here that are selective."
If you value what this story gives you, please consider supporting the East London Advertiser. Click the link in the orange box above for details.


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Disclaimer: If you are interested in viewing information about the firm's past results, please read and acknowledge the information below. The information in this section contains information about the firm's past results about the firm, and statements regarding the firm's quality. The information has not been reviewed or approved by The Florida Bar.
You should know that:
- The facts and circumstances of your case may differ from the matters in which results and testimonials have been provided.
- All results of cases handled by the firm are not provided.
- The results provided are not necessarily representative of results obtained by the firm or of the experience of all clients or others with the firm. Every case is different, and each client's case must be evaluated and handled on its own merits.
Impacts: To Fee or Not to Fee, that is the Question!
Special interest groups are attempting to persuade the Polk County BOCC to raise impact fees. During the real estate boom, impact fees were increased and the County prospered. At this time, growth is stifled, new construction is virtually non-existent and unemployment is at record levels. There is a misconception that "developers" are pillaging the land […]
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BOCC Approves Land Use Change for Campground
Results: Undi$closed After a unanimous planning commission recommendation for approval, the Polk County Board of County Commissioners approved a landowner's request to change the land use designation from residential to Leisure/Recreation. The 12 acre parcel is located 4.2 miles north of Interstate 4 on Wilder Road and US-98N. Proposed uses include hotel, campground, RV resort, […]
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What's Next?
The state and federal governments are grappling with health care, immigration, budget deficits and bailouts. The American people need leadership, results and advocates in Tallahassee and DC. Once a politician is sent to represent the people, that politician should drop the party line and represent the all of the people. That's not what happens. Politicians […]
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Polk County Real Estate Council to Dissolve
The Polk Real Estate Council will be dissolving according to the President I. Weston Wheeler. The Polk REC was a group of professionals involved in the real estate trade, dedicated to professionalism and quality legal services for the Real Estate industry. Members of Polk REC have the choice of transferring their membership to either the […]
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County Approves Land Use Change for Office Park
Results: UNDI$CLOSED The Polk County Commission unanimously approved a change from RS and RL4 to Office Center on 5 acres on 540A. The Planning Commission voted 4-2 in favor of the project. The road was recently widened to four lanes and the change demonstrates new urbanism and smart growth. The property owner, Karl Pansler, anticipates constructing […]
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Landowner Request Approved for Neighborhood Activity Center
Results: UNDI$CLOSED A nine+ acre parcel located at the intersection of Wilder Road and US98N was approved for commercial uses. The farm tract has approximately 900 feet of frontage on 98N and is located directly across from a Circle K gas station. Permitted uses include, but are not limited to church, grocery store, gas station, bank, mini-storage […]
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How can I integrate Yahoo! Messenger into my social networking platform for users to make video calls. Can you help me?
Yahoo has shutdown the only possible way of integrating Yahoo Messenger into websites through Pingbox. I believe there is no solution available at the moment to implement the Messenger into websites.


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John Dwyer: Exploded Globes – Posters from 1999-2016
Book Profile – Books We Love From Other Printers
(File Under O.P.P.)
In 2017, John Dwyer's book, Exploded Globes – Posters from 1999-2016 was published by Castle Face Records. John Dwyer fronted several American underground bands spanning roughly twenty years. Many of these bands emerged from San Francisco and surrounding parts of the bay area of California. Dwyer experimented with sounds rooted in Southern California punk with his band The Coachwhips a Stooges-like proto-punk outfit as well Liars and jazz-punk with The Hospitals. Since then a myriad of musical styles of popped up in his many musical projects including The OCS, The Oh Sees, Thee Oh Sees and most recently and more succinctly a final play on these variations, Oh Sees as well as his most recent band Damaged Bug.
Dusty from Publicide Inc. has had a long-standing crush on John Dwyer and his prolific output of all things punk. Dwyer co-founded Castle Face Records in 2003 with Brian Leee Hughes and Matt Jones initially formed to release Sucks Blood by the sixth studio album by Thee Oh Sees. Castle Face releases an eyebrow-raising number of bands for an independent label, The I.L.Y's, Ty Segall, The Fresh and Onlys, White Fence as well as reissues of Coachwhips.
Dwyer constructed the book, Exploded Globes, a collection of annotated show posters and flyers to showcase seventeen years of his work. It was released on March 24th, 2017 and printers all over the world savvy to the punk scene stood at attention. The hardcover book was printed in a beautiful red linen with a turned edge, gold edge gilding on the book block, a deboss well on the cover with a tip on a full-color print of one of the Images in the book stuck to the front, with gold foil stamps on the spine, back and front. It's a printer's dream or nightmare depending on how you look at it and creates a vivid set up for the contents of the book: images of Dwyer's hand forged and often silk-screened images made to promote rock shows for all of his band and many others as well. The handbill, posters, and flyers for the shows appear in no particular order. Dwyer employed styles that were imperfect and hard to describe. He wasn't a DE constructivist using standard printing methods to give an alternative look to a recognizable format. Dwyer was simply just not that interested in making them look like every other traditional rock show poster. And they are self-admittedly kind of a mess. But this aesthetic, if you must, matched the tone of the music that was emerging in a post-grunge, San Fransisco garage rock scene where previous generations of punk had been identified, named, commodified and sold to the highest bidder. Dwyer made a clear break from that aesthetic. His work both musically and visually was raw, a little bit clunky and totally in your face inventively reminding a new generation punks to keep it jagged and play it unsafe.
Nice work John Dwyer + Castle Face Records! We love you!


text: Ever since Pinterest first blew up on the web back in 2012, we've been obsessively pinning our favorite beauty hacks, fashion looks, and DIY projects like our lives depended on it. From following our favorite mood boards to creating our own, our Pinterest has become a hub of must-reads and never-forgets. In case you aren't following us on the massive bookmarking site, here are our top 10 editor's picks on Pinterest so far. (But don't forget to follow us @clichemag for more!)


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I got a great comment from Jody in México. I argued in a previous post that Blaine Ray (and any other solid comprehensible-input teacher, such as Joe Dziedzic, Susan Gross, Ben Slavic, etc) will use what Jody describes as "complex language (subordinate clauses, subjunctive, mixed tenses, etc.) with lower level students."
Jody then pointed out that legacy methods (communicative and grammarian) teachers will generally say "How are kids going to be able to do that if we haven't taught them the the other tenses first? They don't know enough language to be able to handle those "advanced" tenses and constructions. The idea is ridiculous!"
Jody then asks "How do we respond to those teachers? […] HOW [does] a teacher make[…] complex language comprehensible (orally) so that its complexity and quantity don't overwhelm the student ? [How does a teacher ] KNOW that this kind of instruction is actually working with her/his students? What if your students are just not getting it? Is it them/Is it me? What do you do?"
So…today's question: "How do we teach so-called advanced grammar?"
First, there is, technically speaking, no such thing as "advanced" grammar in the sense that some things are "harder" to learn. My definition for "advanced grammar" is "grammar used not as frequently as other grammar." I say this because the less we hear/read something, the harder it will be to acquire. Now, some sentence structures are more complex than others, true. A sentence such as Blaine Ray's "the boy wanted a cat who had a blue iPhone" is more complex than "I like cats," but in terms of grammar, really, they're all the same…and, in some cases, apparently "simple" grammar is less used than "advanced" grammar. For example, in Spansh, according to word-frequency lists found here
— "used to be" and "was" are used more frequently than "you are."
— the subjunctive form for "s/he is" and "s/he was" are used more frequently than the word "good"
— the formal future tense for "s/he is" is used more frquently than the word for "three"
Even a University-educated Chinese, Portuguese or Spanish native speaker who has acquired English– like my Mexican friend Emanuel, or my climbing partners Polly and Teresa– will often not acquire the third-peson -s until way after they have acquired much more "complex" structures such as the past conditional. (Polly, from China, has two degrees from English universities, a few million in the bank, has bought and sold a few businesses, has been living and working– and reading– in Canada for twenty years, and still says "I hope he run with me tomorrow.")
Yet, in a typical textbook the words for you are, good and three are introduced– and practised– WAY before such "advanced" forms as the past subjunctive. So textbooks get it wrong.
But the question remains: how do we teach such supposedly complex structures as the subjunctive?
a) you keep it 100% comprehensible
B) you provide loads of repetitions, and
C) you don't expect the kids to internalise whatever "advanced grammar" rule you are teaching right away.
D) if it's aural (listening input), all the above apply, and include written support to boost comprehensibility
For example, the Spanish "quiero que seas mi novio/a" (I want that you be my boy/girlfriend) is– in traditional terms– "complex." It has a subordinate clause and the subjunctive.
If I am teaching a story, I'll throw that in there as dialogue. I'll have "quería que fuera" with translation on the board. I narrate "Rochelle quería que David Beckham fuera su novio" (Rochelle wanted that David Beckham be her boyfriend). I then ask my actress (in present tense) "¿quieres que sea tu novio DB?" (Do you want that DB be your boyfriend?) and have her respond with "Sí, quiero que sea mi novio" (yes, I want that he be my BF). I'll also include dialogue where Rochelle meets DB and says "David. Eres muy guapo. ¡Quiero que seas mi novio!" (You are very handsome, I want that you be my BF!)
I will also ask the class comprehension questions: "when I say quería que DB fuera su novio, what am I saying?" and I'll circle the sentence. I'll also ask my actress lots of questions: "¿quieres que George W. Bush sea tu novio?" etc and when I do this, I'll ask the class "what am I asking Rochelle?"
Now, note carefully:
A) the kids have NOT acquired the subjunctive even if they can retell the story, or properly use the sea constuction in a sentence. But they have acquired a "piece" of it and feel— somewhere in their heads– a fragment of the rule that "infinitive minus r plus a or e equals desire/possibility." And they also have something useful— the word sea is in the top 300 or so Spanish words and they can use the word in at least one situation.
B) I am not grammar-geeking out. Hell, I don't even tell the kids about the subjunctive, the rules, etc. All I say is "sea means 'might be'."
C) Once I have used sea in this story, I can re-use it everywhere and anytime. In my next story, maybe Fahim wants a blue cat, and tells the cat "quiero que seas mi gato." (I want you to be my cat)
D) When I throw imy next subjunctive statement into a story– "¡No me gustas! Quiero que te vayas." (I don't like you! I want that you leave)– I also keep it 100% comprehensible and the kids– subconsciously– are getting reinforcement on the subjunctive a/e pattern.
Now, when legacy methods teachers say "they don't know enough language to be able to handle those advanced tenses" (e.g. the subjunctive), I would ask them about their Level 4s and 5s, to whom the text says "you must now teach the subjunctive":
— are your students appropriately transfering their sudden new explicit knowledge of the subjunctive– rules, endings, irregular forms, etc– into every part of their speech and writing?
— if you taught the subjunctive as part of a topical/thematic unit (e.g. as part of a unit on work– "el papa quiere que su hijo tenga un buen empleo" (the dad wants his kid to get a good job), do the kids actually use the subjunctive when talking/writing about something other than work?
— do the kids use the subjunctive appropriately and automatically in speedwrites and unrehearsed speech? Or are they mainly "good" at it when they have time to look through their binders and notes, and when they are doing worksheets, or textbook exercises?
I'm gonna bet the answer to all three is "no." It sure was when I taught "communicatively" from a rigidly-structured text.
So does T.P.R.S. have an advantage, in terms of teaching "advanced" concepts such as the subjunctive? Yes. Mainly because, as Susan Gross argues, people acquire grammar rules on their own schedule, when they are ready for them, and not before. It follows from this that, as Gross says, we should provide rich, interesting, totally comprehensible and multidimensnal language right from the get-go, so that the kids are constantly getting everything, and will pick up what they are ready for when they are ready.
If we hold off on "advanced grammar," what happens if a student isn't ready to acquire an allegedly "simple" grammar rule? They will get input that only provides a part of what they need! If you restrict input to X, kids will only only have the chance to acqire X…for which they may not be ready, and what they are ready for, they won't be getting.
On top of that, there is no way of knowing what kids are or are not ready to acquire. And, even if there were a way to know that, how could you possibly design teaching around 30 different stages of acquisition? You can't.
So what do you do? You provide rich, interesting and comprehensible language all the time, and you– and the kids– are good.


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Small Business, Big Target: Cybersecurity Threats & Regulations in Massachusetts
To do business in the 21st century is to confront cybersecurity threats. Just because you run a small or medium business doesn't mean you fly under the radar. In fact, criminals often target small and medium businesses (SMBs) for exactly that reason – companies often don't recognize the threat and think that because they have a firewall and antivirus, they're protected. Well… they're not. Ransomware is rampant. Cryptocurrency mining malware is everywhere. And people are constantly clicking those $2 burrito coupon phishing emails, letting the bad guys right through your firewall. But hey, it's not all doom and gloom. Between a few simple best practices and following Massachusetts regulations, SMBs can significantly up their cybersecurity game to avoid risk of downtime, data loss, and reputation damage. Here's how to make a huge impact on your security posture:
Cybersecurity Game Changers
- Invest in multi-factor authentication.
Why? It's the number one way to reduce or eliminate online account takeover for programs like Office 365 and Google G-Suite. And the cost is about a cup of coffee per user per month. This is a no-brainer.
- Inspect all traffic, not just 20% of it.
Over 80% of the web is encrypted (HTTPS) these days according to Google's latest Transparency Report. Most SMBs have firewalls that are currently inspecting only HTTP (unencrypted) web traffic, so over 80% of all inbound and outbound web traffic makes it right through companies' front doors! That's like TSA letting eight out of ten people skip security measures at the airport. Crazy, right? The simple fix is to enable "SSL Decryption" on the firewall to ensure 100% of data packets entering the network are inspected for malware.
- Train employees.
Simple. Obvious. Incredibly effective. According to the National Institute of Standards and Technology, "we [people] are the largest vulnerability in any organization." Training users how to spot red flags in phishing emails is crucial to any organization's security posture. To err is human. To avoid bogus $2 burrito ads is divine.
Best practices are critical, but let's not forget that any business (big or small) that owns or licenses personal information about a resident of the Commonwealth of Massachusetts is required to follow law 201 CMR 17.00, which goes by the catchy title, "Standards for the Protection of Personal Information of Residents of the Commonwealth of Massachusetts." Not exactly a thrill-ride, but super important nonetheless.
What it breaks down to is that all businesses – whether for-profit, not-for-profit, or government –with the private data of one or more Massachusetts resident must take the following actions in addition tothe game changers listed above, regardless of company size:
Regulatory Requirements
- Identify and assess reasonably foreseeable internal and external risks to the security, confidentiality, and/or integrity of any electronic, paper or other records containing personal information.
Translation: Perform regular risk assessments (annually at the very least).
- Have a Written Information Security Program (WISP) that covers all aspects of the organization's security program and posture, including but not limited to: security awareness training requirements, data security practices, encryption policies, acceptable use of corporate data and resources, and incident response procedures.
- Institute regular monitoring to ensure that the comprehensive information security program is operating in a manner reasonably calculated to prevent unauthorized access to or unauthorized use of personal information.
Translation: Perform continuous monitoring of inbound/outbound network flows and system logs for anomalies and/or annual penetration testing.
- Secure user authentication protocols and access control measures.
Translation: Implement least privilege that gives users only the permissions they need to get their jobs done and no more. This also includes locking out accounts after a certain number of unsuccessful login attempts.
Pro-mode: Multi-factor authentication is another provision that helps companies meet this standard.
- Encrypt all private data in transit (web and email) and at rest (on a computer or server).
- Implement patch management. Not just Windows operating system, but of all third-party applications like Google Chrome, Adobe Reader, and on all network devices including switches, firewalls, and routers.
It's possible to protect your business from the majority of cybersecurity threats out there. We know, we do it all the time. It's about paying attention to the ways you can avoid becoming an easy mark and making sure you're following Massachusetts regulatory requirements. A little investment in these best practices and keeping up to code (so-to-speak) goes a long way.


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Bull Run Booster Club
The primary purpose of our booster club is to provide financial support and assistance to BRAG gymnasts, coaches, and parents in accordance with club policies, team policies, and competition procedures
BRBC is a parent-operated organization and as such, there must be an active community for it to be successful. All BRBC members are highly encouraged to volunteer to the maximum extent possible. The BRBC can only become as successful as its members allow.
With a wealth of knowledge here, we're sure you'll be happy working with us. Look around our website and visit often for new updates; there's much more to come!.
Any comments or questions, please feel free to contact us.
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