New US-Cuba travel and trade rules come into effect – BBC

#cuba travel
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New US-Cuba travel and trade rules come into effect

16 January 2015

Media caption Cubans hope that with the lifting of trade restrictions they will be able to import rare commodities such as car parts, as Will Grant reports

New travel and trade rules between the US and Cuba have come into effect in the biggest policy shift between the two countries in more than 50 years.

Measures include allowing US citizens to use credit cards in Cuba and for US businesses to export some technologies.

Americans will be able to take home up to $100 (£66) in alcohol and tobacco from Cuba.

The move implements last month’s agreement to re-establish ties severed since 1961.

Although the latest moves put a large dent in the US trade embargo against Cuba’s communist government, only Congress can lift it completely.

Earlier this week, US officials said Cuba had completed the release of 53 political prisoners agreed as part of the historic deal.

Policies ‘out of date’

White House press secretary Josh Earnest said the changes would “immediately enable the American people to provide more resources to empower the Cuban population to become less dependent upon the state-driven economy”.

Media caption Tomas Bilbao: “Failed policy of isolation and confrontation”

While ordinary tourism is still banned, the new regulations will allow US citizens to travel to Cuba for any of a dozen specific reasons without first obtaining a special licence from the government.

United Airlines announced on Thursday plans to begin flying to Cuba from its terminals in Houston and Newark.

US credit and debit cards can be used there and there will be no more limits on how much money US citizens can spend in Cuba each day.

About 170,000 authorised US travellers went to Cuba last year, according to the US Department of Commerce.

US firms will also find it easier to export mobile phones and software to Cuba, as well as provide internet services there.

Cuba currently has one of the lowest internet penetration rates in the world – estimated at about 5% by the White House.

A change in the regulations will also allow US investments in some small businesses and agricultural operations.

‘Repression against Cubans’

The thaw in relations between the two countries was announced last month in simultaneous televised speeches by President Barack Obama and his Cuban counterpart, Raul Castro.

Image caption Americans will be able to bring home small numbers of Cuban cigars after a ban of more than 50 years

Image caption Some of the 53 prisoners released by the Cuban authorities last week gathered to celebrate in Havana

Next week, US Assistant Secretary of State Roberta Jacobson will lead a delegation to Cuba to discuss migration issues.

They will be the first high-level talks since the easing of relations was announced.

President Obama used his executive powers to ease the embargo, defying hardline critics. Analysts say Congress is unlikely to agree to lift the embargo completely any time soon.

Cuban-American Republican Senator Marco Rubio said Mr Obama’s policy would harm ordinary Cubans.

“This is a windfall for the Castro regime that will be used to fund its repression against Cubans,” he said in a statement.





06/12/2017

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Trade Show Displays #bbb #a #rating, #trade #show #display, #discount #pop


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The TradeShow Display Store
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10/10/2017

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Classic Cars for Sale on Car and Classic UK #classic #car,


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Latest Classic Cars and Bikes

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02/10/2017

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Hargrove – Associates, Inc #business #intelligence, #business #intelligence #services, #custom #development,


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Turn your data into a powerful asset with HAI.

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Hargrove Associates, Inc. // 100 North 6th Street, Suite 306B, Minneapolis, MN 55403 USA // +1 612 436 5500


28/09/2017

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How to Sell – Buy Mutual Funds Online #how #to #buy


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Chapter 3.4: How to Buy Sell Mutual Funds

Mutual funds have been around in India for nearly three decades now, but the number of people who actively buy and sell mutual funds in the country remains abysmally low as a percentage of the population.

The fundamental reason for poor participation in the mutual fund market is the lack of awareness; not just about the benefits of mutual funds, but also the knowledge of how to buy and sell them.

You have tackled the question of how mutual funds help you achieve your investment goals in earlier chapters. Now, let’s go through the process of buying and selling mutual funds.

How to Buy Mutual Funds :

Mutual funds are versatile instruments that can be bought and sold in a variety of ways. Once you get all your paperwork in order, here are some of the various ways you can acquire mutual funds in India through Kotak Securities:

  • Buying mutual funds through Kotak Securities is a great option for investors with limited knowledge about investing and even lesser time to do the paperwork by themselves.
  • You can either trade mutual funds online through your trading account or call us and place an order.
  • The brokerage house can also double up as a financial advisor, helping you out with options that you may not be aware of, offering tips and tricks to help you make the
    most of your investments.
  • In addition to these, you can either buy directly from the
    asset management company or through a bank that sells mutual funds.

Once you have decided which way you want go and which mutual fund scheme(s) you want to invest in, you will have to place the order. Here’s the step-by-step procedure of buying a mutual fund:

  • Get a demat account
  • Go to the Mutual Funds section of Kotak Securities webpage. Login and then click on ‘Place order’. Or, you can call your broker.
  • Select the name of the mutual fund or the AMC’s name that you wish to invest in.
  • Then select the correct scheme as many fund houses offer multiple schemes.
  • Specify the amount you wish to invest in the scheme.
  • In case of a dividend scheme, select one of the two dividend options — payout or reinvestment. If you select the payout option, the mutual fund’s dividends will be credited to your bank account. The reinvestment option allows the amount to be used to buy additional units of the scheme. You thus won’t get the dividends credited to your bank account. Select the former if you want a secondary source of income. The reinvestment option, however, helps you increase the size of your holdings and increase returns.

How to Sell Mutual Funds :

If you thought the amount of research done for buying a mutual fund was hard work, you’re about to repeat a lot of such work while selling your mutual funds. You need to do your homework and sell your mutual funds only if the timing is right to ensure that you always make a profit on your sale.

Some instances for when mutual funds ought to be redeemed:

  • Most people sell their mutual funds to finance some immediate or upcoming financial requirement, like buying a house or car, paying for children’s education, a health crisis or even an upcoming foreign holiday.
  • Another good time to sell off your mutual funds is when your investment requirements undergo a change – this could be due to inherent growth or changes in your existing portfolio or due to a life event that reorganizes your priorities.
  • If the performance of a mutual fund dips consistently below expectations and other comparable funds for a sustained period of time. Here, ‘sustained’ refers to a time period of 1 to 5 years at least.
  • Changes on the part of the mutual fund – a reset of its investment objectives or strategy, a rejig of its favored stock picks or sectors in which it invests or even the departure of a trusted fund manager often leads to the sale of such mutual funds by investors.

Do you see yourself in any of the scenarios? Then it’s probably a good idea to sell your funds and cut your losses early on.

There are two ways to sell your mutual funds – to another investor or back to the mutual fund. The latter is called redemption of mutual fund.
Mutual funds are best redeemed the same route through which they are purchased. This means you could choose to redeem them online or offline, through an agent or broker or directly by yourself.

However, remember to check for any exit load or charges for sale of your MF units. This will be deducted from your total proceeds from the sale.

Common Mistakes to Avoid When Buying and Selling Mutual Funds

Mutual funds are managed portfolios of stocks, bonds and securities that offer investors the perks of participating in the stock market, but with a limited exposure to the risks involved.

Since this is the case, the need for 24 x 7 monitoring of your investments is probably unnecessary. However, this does not mean that you go into this process of investing in mutual funds completely blind and then live to regret your rash decisions.

Don’t be in a hurry to sell off low performers

Some funds are slow starters that even out their losses given enough time and attention. Patience truly is a virtue when dealing with mutual funds. Exercise it and hold on to your low performers for at least a year before you decide to get rid of them.

A lot can change with the stock market or even your low performing fund in the span of a year. Experience shows that funds that are left to accumulate returns on for the longest periods of time are often the ones that offer the highest returns on investment for the investor.

In a downturn, don’t sell everything off

Mutual funds, as mentioned earlier, are managed by professional stock market analysts and fund managers with years of experience in investing under their belts. In tough economic times, they take proactive measures to minimize the impact of the downturn on their portfolios, like switching sectors or specific stocks to minimize losses.

Don’t use your ‘gut feel’ over the training of these professionals as a justification for selling off your funds as the economy starts cooling off.

Avoid putting your money into stock market bubbles

Every few years, we see at least one sector that shows extraordinary promise and has investors making a beeline for such stocks. This tendency to favor sectors that are the ‘flavor of the season’ spills over into mutual fund trading too.

Be very careful of such deep, sector-specific investments. They could well be the next dotcom bubble in the making. Check your call with a financial advisor, read up investing literature online or otherwise, speak to other experienced investors and then proceed with your sector specific picks

Don’t pick funds based on their short term performance

Mutual funds must be evaluated based on not just their current returns but also on their long term – 1 to 5 year – returns. This is necessary to know if there has been a consistent pattern in the fund’s performance over the years and also to ensure that short term market corrections don’t negatively impact your choice of funds.

Don’t go too narrow with your mutual fund choice

You may have done the most extensive research to arrive at the number one mutual fund option according to you. However, there are no guarantees in the world of stock and securities trading. There’s always a small risk of failure even with the best managed funds.

Don’t put all your investments in one basket. Pick your top three or four choices and spread your risks among them. Make sure they are different types of mutual funds to actually benefit from this move.

Don’t sell before your lock-in periods are over

Selling a fund before the lock-in period runs out is a wasted opportunity to make some returns on your investment. There are exit loads attached to such premature exits and they often nullify the profits that you might have made had you stuck till the end of the lock in period.

Another problem is short term capital gains tax that would become applicable on your investment, thus decreasing even further the ROI from the original investment.

WHAT NEXT?

While researching for mutual funds, you will come across multiple types of mutual fund schemes designed to suit every investor’s needs. These may sound confusing. In the next section, we will go through the multiple types of mutual funds in detail. We will also take you through the Systematic Investment Plan and Hedge Fund investing. To read these, Click here .


07/09/2017

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Adventure Travel Trade Association #travel #to #rome

#adventure travel companies
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New and renewing ATTA members must agree to strive towards the same values as set forth in ATTA’s Values Statement. These Values were created to ensure members of the ATTA community put effort towards nurturing, protecting and professionalizing the sustainable development of the adventure travel industry.

Dear ATTA Members,

It is with much anticipation that we share the following exciting news with you. Over the past nine years the ATTA network has grown from around 100 members to nearly 900 today. Over the years there has been much discussion about what it takes to be a member. The ATTA started as primarily a business network — a place to meet potential business partners and to learn. What has happened in the past near-decade has been remarkable as the association became more of a tribe, with many shared values and a seemingly overarching desire by all to do well by doing good. The ATTA has always held this as the ultimate success goal: to be an association of successful organizations who do not succeed by abusing everything and everyone around them but instead to be an environment of responsibility, of care-taking, of stewardship. With this in mind, we ve determined that as we face more growth in the coming years and more awareness in the larger tourism industry, it is critical that we lay out what we believe are the key values of our organization as a whole. Let me be clear, we are not telling anyone what they must do — we are not the holders of moral high ground — but we have come to the conclusion that stated values are acted-upon values. We also know that no organization has reached perfection (when you do, please write) and that we are all on a course toward doing better.

With that, we release the ATTA Values Statement, created by the team, informed by the UNWTO, refined by the advisory board and finalized into its current form. We have always desired to change the world for good and this is one way we will take a step to try and achieve it. Any new ATTA member and any renewing ATTA member will be required to agree that these are the principles held by this community and we are all attempting to move towards them. If there is someone who disagrees with any or all of them, we respect all viewpoints, but feel that this is probably not the right home association.

Our desire is for the ATTA network to thrive, to grow, and to do it the right way, which sometimes is the harder path. Let me take this opportunity to thank you again for your membership and your support of the ATTA. We literally can t do this without you.

Access ATTA Values Statement PDF:

Kind regards,

Shannon Stowell

President

Adventure Travel Trade Association





07/09/2017

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Trump s revenge? Laptop ban may not have much to do


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Trump’s revenge? Laptop ban may not have much to do with plane security

US to ban electronic devices on many flights

From Tuesday on, passengers travelling to the US from 10 airports in eight Muslim-majority countries will not be allowed to have iPads, laptops or any communications device larger than a smartphone in the cabin of the plane.

If you are travelling from Egypt, Jordan, Kuwait, Morocco, Qatar, Saudi Arabia, Turkey, or the UAE on Egypt Air, Emirates, Etihad Airways, Kuwait Airways, Qatar Airways, Royal Air Maroc, Royal Jordanian Airlines, Saudi Arabian Airlines, or Turkish Airlines, and you want to use your laptop on the flight, you are probably out of luck.

So why is the United States doing this, and how can it get away with it?

The US says it’s all about security

The Trump administration says the new rules were introduced because of intelligence that shows terrorists are continuing to target airlines flying to the United States.

Related Article

An unidentified person familiar with the issue has told The Washington Post that officials have long been worried by a Syrian terrorist group that is trying to build bombs inside electronic devices that are hard to detect.

However, as Demitri Sevastopulo and Robert Wright at the Financial Times suggest, non-US observers are skeptical of this explanation. They note that the United States has not been forthcoming about whether the ban is based on recent intelligence or long-standing concerns.

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There is also no explanation for why electronic devices in the cabin are a concern, and electronic devices in the baggage hold are not.

There is another explanation

It may not be about security after all. Three of the airlines that have been targeted for these measures – Emirates, Etihad Airways and Qatar Airways – have long been accused by their US competitors of receiving massive effective subsidies from their governments.

These airlines have been quietly worried for months that President Trump was going to retaliate. This may be the retaliation.

These three airlines, as well as the other airlines targeted in the order, are likely to lose a major amount of business from their most lucrative customers – people who travel in business class and first class.

Business travellers are disproportionately likely to want to work on the plane – the reason they are prepared to pay business-class or first-class fares is because it allows them to work in comfort. These travellers are unlikely to appreciate having to do all their work on smartphones, or not being able to work at all.

The likely result is that many of them will stop flying on Gulf airlines, and start travelling on US airlines instead.

As the Financial Times notes, the order doesn’t affect only the airlines’ direct flights to and from the United States – it attacks the “hub” airports that are at the core of their business models.

These airlines not only fly passengers directly from the Gulf region to the United States – they also fly passengers from many other destinations, transferring them from one plane to another in the hubs.

This “hub and spoke” approach is a standard economic model for long-haul airlines, offering them large savings. However, it also creates big vulnerabilities. If competitors or unfriendly states can undermine or degrade the hub, they can inflict heavy economic damage.

Weaponising interdependence

As we have argued in the past, and talk about in forthcoming work, the US move can be understood as a variant form of “weaponised interdependence.”

We live in an interdependent world, where global networks span across countries, creating enormous benefits, but also great disparities of power.

As networks grow, they tend to concentrate both influence and vulnerability in a few key locations, creating enormous opportunities for states, regulators and non-state actors who have leverage over those locations.

In this context, the United States is plausibly leveraging its control over access to US airports, which are central “nodes” in the global network of air travel between different destinations.

It is using this control to attack the key vulnerabilities of other networked actors, by going after the central nodes in their networks (the hub airports) and potentially severely damaging them.

What can Gulf airline carriers do?

Gulf airlines have tried to defend themselves against political attacks from US competitors by appealing to free trade principles. The problem is that standard free trade agreements, such as World Trade Organisation rules, don’t really apply to airlines (although they do apply to related sectors, such as the manufacture of airplanes).

This has allowed the Gulf airlines to enjoy massive subsidies, without having to worry too much about being sued in the WTO.

However, it also makes it hard for Gulf states or the states of other affected airlines to take a WTO case against the new US rules, even if these rules turn out to be motivated by protectionism and the desire to retaliate, rather than real underlying security questions.

If this were happening in a different sector, it would make for a pretty interesting case.

States preserve carve-outs from international trade rules when they feel that their security is at stake.

Would the United States prevail in a case like this, where there is a colourable security justification, but where there is also a very plausible argument that the real motivation doesn’t have much to do with security?

Or would the WTO defer to the United States’ proposed justification?

It’s very likely that the Trump administration will make more unilateral rules that are justified using the language of national security, but are plausibly motivated by protectionism, so we may find out.

Farrell is associate professor of political science and international affairs at George Washington University. Newman is associate professor of international politics at Georgetown University. For other commentary from The Monkey Cage. an independent blog anchored by a group of political scientists from universities around the country, see www.washingtonpost.com/blogs/monkey-cage.

The Washington Post

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04/09/2017

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Credit Data Reporting Services for Data Furnishers #credit #data #reporting, #consumer


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Credit Data Reporting Services

Winning with data reporting

For us, it s all about promoting a healthy credit eco-system for everyone.

Reporting consumer data to credit bureaus is essential for your customers to reach their financial goals and imperative for you to grow your business. By reporting credit data to Experian, you can:

  • Reduce risky lending decisions With access to more comprehensive credit data, lenders have a more accurate picture of a consumer s behavior and can make more informed and less risky decisions.
  • Minimize delinquencies and collections Other credit grantors may offer credit to your customer, not knowing that the customer already has an obligation to you. This may result in your customer getting over-extended and negatively impact their ability to pay you.
  • Increase on-time payments and collect bad debt When customers know that their lenders report, they are more likely to pay on time. You can also encourage late payers to resolve outstanding debts before delinquency affects their credit.
  • Improve your customers experiences and cross-sell By reporting positive data about your customers, you can reward good behavior and extend additional credit for other products and services.
  • Align with regulatory expectations and industry best practices While credit data reporting is voluntary, you can align with regulatory priorities and best practices to help and protect the consumer throughout their financial journey.

Reporting credit data to Experian is fast, simple and easy and we ll help you every step of the way. Call us: 1 800 831 5614, option 3

For information on Experian s Business Data Reporting Program, please visit http://www.experian.com/datareportingbusiness

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28/08/2017

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Colleges in West Palm Beach, Florida (FL) – Universities, Trade #west


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West Palm Beach Colleges and Schools

Known for its stunning skyline and myriad of historic neighborhoods, West Palm Beach is the oldest municipality in the South Florida metropolitan area. The city housed approximately 104,031 inhabitants in 2014 according to U.S. Census estimates, and relies on key industries such as tourism, construction, agriculture, and biosciences.

West Palm Beach residents enjoy some of the east coast’s most beautiful beaches, plus a slew of opportunities for outdoor recreation. The county where West Palm Beach is located, Palm Beach County, has also been referred to as the “Golf Capital of the World,” which helped to solidify the area’s standing as a top destination for nature and sports lovers.

Colleges and Schools in West Palm Beach, Florida

Because it boasts such a large population and draws from equally-populated surrounding areas, West Palm Beach is home to 13 institutions of higher education. While that list includes a few traditional institutions, it also hosts community colleges, beauty schools, and trade schools. Collectively, West Palm Beach colleges and schools enrolled approximately 6,820 students in 2014.

Palm Beach Atlantic University

  • Tuition and fees (2014-15): $26,274
  • Graduation rate (2008): 55%
  • Accredited: Y
  • # of programs: 50 undergraduate and graduate programs

With an enrollment of 3,865 students in 2014, Palm Beach Atlantic University was one of the area’s largest schools. Intimate class room settings with a student-to-faculty ratio of just 13:1 help students learn and grow in a personalized academic setting. Popular degree programs include those in biology, nursing and public relations.

Northwood University – Florida

  • Tuition and fees (2014-15): $23,132
  • Graduation rate (2008): 28%
  • Accredited: Y
  • # of programs: 20 undergraduate, 7 MBA specializations, 1 master’s program

Northwood University of Florida is a small, private institution with a focus on entrepreneurship and holistic learning. Enrollment was made up of 710 students in 2014, and some of their most popular degrees were in business administration, accounting and marketing.

MCI Institute of Technology

  • Tuition and fees (2014-15): $17,000
  • Graduation rate (2011-12): 45%
  • Accredited: Y
  • # of programs: 8 diploma programs

As a two-year, private school, MCI Institute of Technology prepares students for careers in health care, automotive technology and pharmacy technology. Enrollment was made up of 146 students in 2014, and financial aid is available for those who qualify.

Dade Medical College – West Palm Beach

  • Tuition and fees (2014-15): $47,813
  • Graduation rate: not reported
  • Accredited: R
  • # of programs: 9 undergraduate degrees

Dade Medical College of West Palm Beach is a two-year, private school that prepares future nurses, medical assistants, and other health care workers for rewarding careers in Southern Florida. Enrollment was made up of 263 students in 2014.

Academy for Nursing and Health Occupations

  • Tuition and fees (2014-15): $26,113
  • Graduation rate (2011-12): 75%
  • Accredited: Y
  • # of programs: 5 programs

With 424 students in 2014, the Academy for Nursing and Health Occupations offered programs in nursing, medical assisting, and general patient care. With small class sizes and a student-to-faculty ratio of just 12:1, ANHO students prepare for rewarding careers in a variety of health care settings.

Facts for Students of West Palm Beach Colleges and Schools

West Palm Beach Economy

According to the U.S. Census Bureau, inhabitants of West Palm Beach, Florida brought in a median household income of $44,897 in 2013. That’s lower than the median household income for the state, which worked out to $46,956 that year. However, the median housing value in West Palm Beach worked out to just $178,200 in 2013, which is rather affordable for a popular tourist area. Further, in 2013, 52.4 percent of West Palm Beach residents owned their homes.

Demographics in West Palm Beach

With a population of 104,031 in 2014, West Palm Beach is considered a medium-sized city for the state of Florida. Meanwhile, approximately 30.4 percent of area adults held a bachelor’s degree through 2013, and 84.2 percent held a high school diploma or better. As the U.S. Census Bureau notes, 26.2 percent of the city’s population was foreign-born in 2013.

West Palm Beach Fun Facts

Love animals? The Palm Beach Zoo, which is home to 1,400 animals, is located in West Palm Beach. Meanwhile, the area’s bounty of wildlife has made it a hub for eco-tourism.

  1. City of West Palm Beach, http://wpb.org/
  2. College Navigator, National Center for Education Statistics, https://nces.ed.gov/collegenavigator/
  3. State & County QuickFacts, U.S. Census Bureau, West Palm Beach, http://quickfacts.census.gov/qfd/states/12/1276600.html

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25/08/2017

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Business Sell Canada – Find Businesses For Sale sorted by Category


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  • Accommodation Recreation (63)
    Hotel, Resort, Camping, Trailer Park.
  • Advertising Directories (3)
    + Marketing, Printing, Signs, On-line.
  • Animals Pet Care (8)
    + Grooming, Supplies, Ranches, Training.
  • Art, Antiques Gifts (13)
    + Collectables, Souvenirs, Art Gallery.
  • Automotive Sales Service (19)
    + Car Rentals, Salvage, Tires, Garages.


  • Biotechnology Pharmaceuticals (-)
    + Drug Store, Medical/Sports Clinics.
  • Building Materials Hardware (19)
    + Lumber Yard, Construction Equip’t.
  • Business Services Supplies (28)
    + UPS, Print, Junk, Cleaning, Office Prod.


  • Chemicals Plastics (-)
    + Chem Manuf, Cleaning Prods, Die Mold.
  • Children Youth (15)
    + Pre-school, Playground, College, Toys.
  • Cleaning Decorating (21)
    + Maid Serv, Renos, Janitor, Painter.
  • Clothing Textiles (12)
    + Fashion, Bridal, Dry Clean, Manufacture.
  • Computer Hardware Software (3)
    + Games, Programs, Cellular, Websites.
  • Construction Maintenance (38)
    + Inspect, Landscape, Renos, Plumb/Elect.
  • Consumer Goods Services (14)
    + Bottle Depot, Ink Refill, Sears, Vacuum.
  • Contracting Trades (38)
    + Reno, Inspect, Elect/Plumbing, Carpentry.
  • Customer Service (8)
    + Cleaning, Restore, Snow Remove, Taxi.


  • E-Commerce Internet (9)
    + Websites, On-line stores, Web services.
  • Education Training (13)
    + Learning Ctr, Career Coll, Tutoring.
  • Electronics Electrical (5)
    + Industrial Ctrls, Automation, Audio Eq’t.
  • Energy Environment (4)
    + Power prods, Recycling, Furnace/Wood.
  • Entertainment Arts (12)
    + Pub, Playground, Paintball, Theatre.


  • Farming, Fishing Forestry (8)
    + Outfitting, Fences, Nursery, Ranch.
  • Financial Services Investing (3)
    + Franchises, Tax prep, Investments.
  • Food Related Products (93)
    + Supermarket, Bakery, Food Package.

  • Health Beauty (30)
    + Fitness, Gym, Health Food, Wellness/Spa.
  • Home Based Business (34)
    + Handicraft, Vending, Cleaning, Inspect.
  • House Garden (19)
    + Clean, Lawn, Garden Ctr, Furniture.
  • Hospitality Food Service (95)
    + Banquet, Bar, Resort, Hotel, Food Trk.

  • Industrial Manufacturing Service (26)
    + Machine Shop, Sht Metal, Quarry, Ctrls.
  • Information Technology (2)
    + Computers, Office Prod, System Int.
  • International Business Trade (2)
    + World-wide, Export Distrib, Website.

  • Management Human Resources (1)
    + Employment Agency, Business Mgmt.
  • Marketing Advertising (11)
    + Real Estate Agency, Printing, Sign Mfg.
  • Media, Graphics, Film Video (3)
    + Sign Mfg, Graphic/Web Design, Photo.
  • Mining, Metal Resources (2)
    + Oil Field Servs, Quarry, Gravel Haul.

  • Personal Services Products (35)
    + Spa/Tan, Health, Flowers, Hse Clean.
  • Professional Services Consulting (15)
    + Bookkeep, Invest, Engineer, R.E.
  • Publishing, Printing News (9)
    + Newspapers, Print Shop, Web Blog.

  • Real Estate Rental Buildings (26)
    + Apt, Storage, Motel, inc Home/Land.
  • Recreation, Resorts Camping (22)
    + Trailer Pk, RV Rents, Marina, Travel.
  • Repairs Maintenance (22)
    + Garage, Transmission, Builder, Mech.
  • Retail Stores Trade (91)
    + All stores, E-commerce, Malls, Kiosk.

  • Sports Leisure Products (20)
    + Bar, Golf, Gym, Marina, Power Toys.

  • Telecommunications (1)
    + Cellular, VOIP, ISP, Phone Sales.
  • Transportation Travel (49)
    + Car/Truck, RV, Taxi, Travel Agy.

  • Warehousing, Moving Storage (4)
    + Trucking, Freight, Mini-Storage.
  • Wholesale Trade Distributor (28)
    + Food Mfg, Chem Mfg, Warehouse.

  • Accommodation Recreation
    Hotel, Resort, Camping, Trailer Park.
  • Advertising Directories
    + Marketing, Printing, Signs, On-line.
  • Animals Pet Care
    + Grooming, Supplies, Ranches, Training.
  • Art, Antiques Gifts
    + Collectables, Souvenirs, Art Gallery.
  • Automotive Sales Service
    + Car Rentals, Salvage, Tires, Garages.


  • Biotechnology Pharmaceuticals
    + Drug Store, Medical/Sports Clinics.
  • Building Materials Hardware
    + Lumber Yard, Construction Equip’t.
  • Business Services Supplies
    + UPS, Print, Junk, Cleaning, Office Prod.


  • Chemicals Plastics
    + Chem Manuf, Cleaning Prods, Die Mold.
  • Children Youth
    + Pre-school, Playground, College, Toys.
  • Cleaning Decorating
    + Maid Serv, Renos, Janitor, Painter.
  • Clothing Textiles
    + Fashion, Bridal, Dry Clean, Manufacture.
  • Computer Hardware Software
    + Games, Programs, Cellular, Websites.
  • Construction Maintenance
    + Inspect, Landscape, Renos, Plumb/Elect.
  • Consumer Goods Services
    + Bottle Depot, Ink Refill, Sears, Vacuum.
  • Contracting Trades
    + Reno, Inspect, Elect/Plumbing, Carpentry.
  • Customer Service
    + Cleaning, Restore, Snow Remove, Taxi.


  • E-Commerce Internet
    + Websites, On-line stores, Web services.
  • Education Training
    + Learning Ctr, Career Coll, Tutoring.
  • Electronics Electrical (-)
    + Industrial Ctrls, Automation, Audio Eq’t.
  • Energy Environment
    + Power prods, Recycling, Furnace/Wood.
  • Entertainment Arts
    + Pub, Playground, Paintball, Theatre.


  • Farming, Fishing Forestry
    + Outfitting, Fences, Nursery, Ranch.
  • Financial Services Investing
    + Franchises, Tax prep, Investments.
  • Food Related Products
    + Supermarket, Bakery, Food Package.


  • Health Beauty
    + Fitness, Gym, Health Food, Wellness/Spa.
  • Home Based Business
    + Handicraft, Vending, Cleaning, Inspect.
  • House Garden
    + Clean, Lawn, Garden Ctr, Furniture.
  • Hospitality Food Service
    + Banquet, Bar, Resort, Hotel, Food Trk.

  • Industrial Manufacturing Service
    + Machine Shop, Sht Metal, Quarry, Ctrls.
  • Information Technology
    + Computers, Office Prod, System Int.
  • International Business Trade
    + World-wide, Export Distrib, Website.

  • Management Human Resources
    + Employment Agency, Business Mgmt.
  • Marketing Advertising
    + Real Estate Agency, Printing, Sign Mfg.
  • Media, Graphics, Film Video
    + Sign Mfg, Graphic/Web Design, Photo.
  • Mining, Metal Resources
    + Oil Field Servs, Quarry, Gravel Haul.

  • Personal Services Products
    + Spa/Tan, Health, Flowers, Hse Clean.
  • Professional Services Consulting
    + Bookkeep, Invest, Engineer, R.E.
  • Publishing, Printing News
    + Newspapers, Print Shop, Web Blog.

  • Real Estate Rental Buildings
    + Apt, Storage, Motel, inc Home/Land.
  • Recreation, Resorts Camping
    + Trailer Pk, RV Rents, Marina, Travel.
  • Repairs Maintenance
    + Garage, Transmission, Builder, Mech.
  • Retail Stores Trade
    + All stores, E-commerce, Malls, Kiosk.

  • Sports Leisure Products
    + Bar, Golf, Gym, Marina, Power Toys.

  • Telecommunications
    + Cellular, VOIP, ISP, Phone Sales.
  • Transportation Travel
    + Car/Truck, RV, Taxi, Travel Agy.

  • Warehousing, Moving Storage
    + Trucking, Freight, Mini-Storage.
  • Wholesale Trade Distributor
    + Food Mfg, Chem Mfg, Warehouse.


23/08/2017

Posted In: NEWS

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How to Trade in Stocks Online #trade #online #stocks


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How to Trade in Stocks Online

Trading in stocks online is not like shopping at your local major retailer, where prices are set. Because investments are priced in real time through active bidding between buyers and sellers, there are techniques to buying and selling. When dealing with investments, you have five main ways to buy or sell them online:

Market orders. This is the most common type of order. You tell your broker to sell your shares at the best price or to buy shares at the current price. Because these orders are executed almost immediately and are straightforward, they typically have the lowest commissions.

Limit orders. With a limit order, you tell your online broker the price you re willing to take if you re selling stocks and the price you re willing to pay if you re buying. The order will execute only if your price is reached.

Imagine you own 100 shares of ABC Company, which are trading for $50 a share. The stock has been on a tear, but estimate it will fall to $30. You could sell the stock outright with a market order, but you don t want to miss out on any gains in case you re wrong. A limit order would let you instruct your broker to sell the stock if it fell to $45 a share.

Limit orders are filled only at the price you set. If the stock falls further than the price you set, the broker might be able to sell only some of the shares, or none, at the price you set.

*Stop marketorders: Similar to limit orders stop market orders let you set a price you want to buy or sell shares at. When a stock hits the price you designated, the order converts into a market order and executes immediately.

Imagine that you have 100 shares of ABC Company, which are trading for $50 a share. But this time, you enter a stop market order for $45. And again, you wake up to find the stock plunged instantly to $25. This time, though, all your stock would have been sold. But, your online broker will sell the shares at whatever the price was the moment your order converted to a market order, which in this case could have been $25.

Stop limit orders: Stop limit orders are customizable. First, you can set the activation price. When the that price is hit, the order turns into a limit order with the limit price you ve set.

Okay, ABC Company is trading for $50 a share when you enter a stop limit order with an activation price of $45 and a limit price of $35. It would work like this: Again, you wake up to find that the stock plunged instantly to $25. This time, your broker would turn your order into a limit order after it fell below $45.

When the stock fell to $35, the broker would try to fill orders at that price if possible. But Unlike with the stop market order, you would not dump the shares when they fell as low as $25.

Trailing stops: Regular limit orders are either executed or they expire. Trailing stop orders get around this problem by letting you tell your broker to sell a stock if it falls by a certain number of points or a percentage.

If you re buying and selling individual stocks, trailing stops can be a good idea. Even before you buy a stock, you should have an idea of how far you ll let it fall before you cut your losses. Some investment professionals suggest never letting a stock fall more than 10 percent below the price you paid. If this sounds like a good idea to you, a trailing stop could work for you.

Some brokers charge extra for limit orders, so check the commission fees before you start trading. And some brokers, such as Buyandhold.com, don t offer limit orders.

When you enter an order for a stock, you have a few other levers you can pull, including

Designating lots: Many people buy the same stock many times. Each time you buy, that bundle of stock is called a lot. When you sell, your broker will assume you d like to sell the lot that you ve held for the longest time for recordkeeping purposes. If, for tax reasons, you d like to sell a specific lot that s not the oldest, you can tell your broker which lot you d like to sell.

Setting time frames: You can enter an order for a stock that is active only for the day you place the trade. If it s not filled the order expires. You can also enter orders and let them stay active until you cancel them.

Placing rules: When you issue an all or none restriction on your trade, your broker must completely fill the order or not fill it at all.


09/08/2017

Posted In: NEWS

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Houston Vocational Schools #houston #vocational #schools, #houston #trade #schools, #houston #technical


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Houston Vocational and Trade Schools

Houston is an economic hub, one that is home to the headquarters of 26 Fortune 500 companies. An innovative region, Houston has diversified its economy in business sectors ranging from energy to health care and continues to attract and maintain a highly talented and skilled work force. With more than two million people, the city is a major metropolitan area. It also has an educated population, with 29.2 percent of individuals 25 years and older holding a bachelor’s or graduate degree.

“The job market continues to grow rapidly. In fact, the economy is growing faster in the Houston region than any other area in Texas.” Read the full interview with Bob Mitchell and Terry Higginbotham from Bay Area Houston Economic Partnership and Workforce Solutions respectively .

Houston Vocational Schools

Attending a two-year college or trade school could help you prepare for entry into the vocational sector. While many skilled-trade and vocational type jobs usually require hands-on training, a formal education can also be a good way to get ready for your career. Here are a few examples of schools in the city, which offer two-year associate degree programs, as well as shorter certificate programs:

  • Aviation Institute of Maintenance, Houston
  • Brightwood College, Houston
  • Cardiotech Ultrasound School
  • Champion Beauty College
  • Commonwealth Institute of Funeral Service
  • Culinary Institute Inc
  • Fortis Institute, Houston
  • Interactive College of Technology
  • North West Beauty School
  • School of Automotive Machinists

Expert Advice on Vocational Education in Houston

To get a better understanding of Houston’s economic growth, RWM.org spoke with Bob Mitchell, President of the Bay Area Houston Economic Partnership and Terry Higginbotham of Workforce Solutions. The core focus of the Bay Area Houston Economic Partnership is bringing primary jobs to the region. The organization has 270 funding members across 14 cities in two counties and will be celebrating its 40 th anniversary in December. Workforce Solutions is a public workforce system and an affiliate of the Gulf Coast Workforce Board contracted to help employers meet workforce needs and residents build careers, so both can compete in a global economy.

About The Expert

Bob Mitchell is President of the Bay Area Houston Economic Partnership. He has a 34 years of experience in economic development, process controls and manufacturing management in the Houston region.

Terry Higginbotham is a business consultant at Workforce Solutions. He graduated with a degree in Business Management.

What is the economic outlook in Houston?

Mitchell: The job market continues to grow rapidly. In fact, the economy is growing faster in the Houston region than any other area in Texas. With that said, we’d like it to grow even more quickly. Although there has been a recent downturn in the energy industry, other industries such as specialty chemical, health care, maritime and aerospace continue to make strides.

The region ranks #2 nationally for the city with the most Fortune 500 companies, 47 percent of all specialty chemical stock is produced in Houston and the region produces 60 percent of the country’s gasoline. The maritime industry is especially strong and the Port of Houston was named the #1 export port for the United States, outpacing New York.

Higginbotham: Houston is a gateway for trade to Mexico, Canada and expanding markets of Latin America. Economic strategists identify Houston as one of the most robust and dynamic economies in the world. The common theme by Greater Houston Partnership is, “Houston is ready-made for business success,” and has become the driving force for continuing growth.

What are some of the top employers in Houston?

Mitchell: Major employers can be found across all industries, ranging from energy to health care. However, some of the biggest include Johnson Space Center, Texas Medical Center, Exxon, Shell, Mobile, Haliburton, Bay Port Industrial Complex, and specialty chemical companies such as Dow Chemical and Lubrizol.

Higginbotham: Some of the major employers in the region include Shell Oil, Hewlett-Packard, JP Morgan Chase, Centerpoint Energy, Kroger Company, H.E.B. Foods, Memorial Hermann Health System, Aramark Corp, and Pappas Restaurants.

How is Houston attracting new industries?

Higginbotham: Houston’s geographic area provides convenience to industry and attracts investors who want to expand operations to the Gulf Coast Region.

  • Location: Optimal communications throughout the United States based on Central Time Zone; one hour behind East Coast and two hours ahead of West Coast. Basically midway point between both East and West Coasts; can reach destination by air in a couple of hours.
  • Seaport: Port of Houston offers worldwide access as well as three other seaports within the region.
  • Airport: Two major airports for passenger air cargo operations. Ellington Airport, Houston Airport System, has letter of intent with a major corporation for potential spaceport.
  • Weather: Climate allows for year-round outdoor activities.
  • Taxes Incentives: State Incentives such as Texas Enterprise Fund, Skills Development Fund, etc. Local Incentives such as Property Tax Abatement, Employer Tax Credits, Foreign Trade Zones, etc.

Why is Houston an attractive location for students?

Mitchell: Houston is a technology hub that revolves around technology and engineering. The educational institutions in the region provide engineering degree opportunities. In addition to the University of Houston and Embry Riddle, the region is also home to the University of St. Thomas, Texas Southern University, Houston Baptist University, and more. In short, professional opportunities in the region are closely aligned with educational opportunities and providers.

Higginbotham: The Greater Houston Partnership developed UpSkill Houston, a comprehensive, industry-led approach to bridge the gap and fill jobs in middle-skills occupations. UpSkill Houston is an innovative blueprint for leaders from the business community, educational institutions and social service organizations to utilize as we lead this effort to build a quality workforce.

Why would you recommend someone move to Houston?

Mitchell: Houston has a strong economic environment and is an international city with a global economy. For example, it is home to the second largest number of embassies in the US (only behind New York). It has a business friendly climate, continues to grow, and is an affordable area to live, attend school and work. There are plenty of recreational activities for families and individuals alike the region has the second-largest recreational boating industry in the country.

Higginbotham: Houston is identified as “A City With No Limits” and highly multicultural with 105 different languages spoken. Here are other reasons it’s a great place to live.

  • Cost of Living: Third lowest overall among nation’s most populated metropolitan areas.
  • Affordable Housing: Cost about 36% below average.
  • Health Care: Texas Medical Center is the largest medical complex in the world with 54 world-renowned medical research and academic institutions.
  • Weather: Mild winters with enjoyable year round outdoor activities.
  • Restaurants: Houston is known as the Culture Culinary Capital of Texas; more than 7,500 restaurants and eating establishments.
  • Arts Culture: Museum District of Fine Arts, Natural Science, Zoo, and Outdoor Theater for live performances. Other major performing arts include Houston Symphony, Houston Grand Opera, The Alley Theatre (Drama) and Houston Ballet.
  • Sports: Houston Texans, Houston Rockets, Dynamo Soccer Team, Houston Astros, and Houston Livestock Show and Rodeo.

23/07/2017

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Trade Credit Insurance Business Credit Insurance Accounts Receivable Ins – World


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Trade Credit Insurance

Protecting your domestic and international accounts receivables.

  • Your bottom line relies on your business transactions. Protecting these transactions from financial loss can make the difference in your company’s success.

  • International Customer Credit

    Political, financial collapse are protected with International Credit Insurance.

  • Insure Domestic Sales

    Financial credit exposure happens both abroad and at home. Keep your financial peace of mind everywhere you do business.

    What is Trade Credit Insurance?

    Trade Credit Insurance is a casualty insurance that protects your company’s Domestic and International Commercial Accounts Receivable from unexpected and catastrophic losses. These losses result from two sets of Risk Perils – Commercial Risk Events (that can cause non-payment of your A/R) and Foreign Political Risk Events (that can cause non-payment of your A/R).

    Is My Company at Risk?

    Accounts Receivable losses are driven primarily by Customer Bankruptcies and Insolvencies, which are inevitable and on the rise both in the United States and around the world. In 2005, 39,201 companies in the United States alone filed for bankruptcy protection, leaving many suppliers as general unsecured creditors in bankruptcy. This rate of business failures is up 14.2% from the 34,317 U.S.

    Customer Credit Insurance

    Of note is the Small Business Export Credit Insurance Policy and Program offered by The Export-Import Bank of the United States (Ex-Im Bank). Since its founding in 1934 as the official Export Credit Agency of our country, Ex-Im Bank has provided insurance and financing assistance to U.S. exporters, especially Small Business. Ex-Im Bank’s Small Business Export Credit Insurance Policy


    08/07/2017

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  • Home – My Plumbing Depot #plumbing, #baths, #vanities, #tapware, #showers, #accessories,


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    LEADING SUPPLIER OF PLUMBING IN NEW ZEALAND.

    My Plumbing Depot is a locally owned plumbing merchant.
    We specialise in supplying to trade customers and retailers a like.

    With two branches in the Manawatu/Wanganui area, and a branch in Richmond, Nelson. All branches have an extensive range of products displayed in there showrooms, from baths, vanities, tapware, showers, accessories, gas products and much more. With experienced trained consultants on hand to help you with your requirement

    Feature Products

    Need a holiday after your renovation? Enter for your chance to win an exhilarating holiday to one of three spectacular Australian destinations!

    Picture yourself soaking up the sun at a luxurious 5-star Byron Bay resort – it’s the perfect place to relax and unwind. Or savour an iconic Australian wilderness experience in Cradle Mountain, Tasmania. Lastely for the more adventurous, take an outback journey to Darwin, it’s really your choice!

    Purchase one or more Caroma products from a participating store and make sure you hang on to your purchase receipt. Go to www.caroma.co.nz/win and follow the prompts to enter. Don’t forget to select your holiday destination for your chance to win!

    Feel free to give us a call or drop into our branches

    FREE delivery within the Wanganui and Feilding townships,

    and also in the Richmond and Nelson townships

    Our Customers

    The Team at MY Plumbing Depot, Feilding, are really knowledgeable. They really know their stuff. We look after close to 700 rental properties, many of which are in Feilding and they are a great source of good advice, fantastic solutions and really easy to deal with. I would recommend them to my family and friends, keep up the top work.

    We have found Nanette, Frits and the rest of the team at MY Plumbing Depot, Richmond, very helpful with sorting all of our plumbing needs for our new build. They were able to provide a full range of quality fixtures at good prices.


    14/06/2017

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    Travel Advice for India – Australian Department of Foreign Affairs and

    #travel to india
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    India

    Advice levels

    India overall, exercise a high degree of caution

    Pay close attention to your personal security at all times and monitor the media about possible new safety or security risks.

    North-eastern states (Assam, Nagaland, Tripura and Manipur) and Chhattisgarh and the border areas of neighbouring states, reconsider your need to travel

    There is a high level of risk in the country/area. This may be due to a very high threat of terrorist attack or a volatile and unpredictable security situation. If you are already in a destination where we advise you reconsider your need to travel and you are concerned about the security situation, you should consider leaving.

    Cities of Jammu and Srinagar, reconsider your need to travel

    There is a high level of risk in the country/area. This may be due to a very high threat of terrorist attack or a volatile and unpredictable security situation. If you are already in a destination where we advise you reconsider your need to travel and you are concerned about the security situation, you should consider leaving.

    State of Jammu and Kashmir (except Ladakh region, Jammu and Srinagar) and India-Pakistan border (except Atari crossing), do not travel

    The security situation is extremely dangerous. This may be due to a very high threat of terrorist attack, widespread armed conflict and or dangerous levels of violent crime. If you are already in a destination where we advise you do not travel you should consider leaving unless you have compelling reasons to stay.





    22/05/2017

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