text:
Welcome to Vivekananda Public school!
Swami Vivekananda Educational & Charitable Trust (SVECT) is a public charitable trust founded by likeminded individuals in the name of the great philosopher and scholar of India "Swami Vivekananda". Vivekananda Public School, managed by the Trust, aims at providing a good and healthy climate to ensure quality education to the children of common man, in and around Piravom Town under the CBSE curriculum charging an affordable rate. The school run by the Trust shall be a centre of educational excellence, the sole aim of which is to serve as community for social service.
The SVECT managing Committee consists of Manager, Chairman, Secretary, Treasurer and other eleven members elected for a period of three years from among the trust members.
The school is located in a naturally beautiful place and the joining point of three panchayaths namely Piravom, Edaykatuvayal and Maneed at Kallumari, Pazhoor, Piravom have around 2.5acres of land. The Muvattupuzha River, Piravom Church, Pazhoor Temple and Pazhoor Padippura and Chinmaya International Centre are the main attractions of this town.
Home | About Us | Principal's Desk | School Calendar | Parents Feedback | Image Gallery | Contact us
Tel : +91 485 2265172 | Email : vivekanandaschoolpvm@gmail.com
Copyright © 2013, All rights reserved,
Powered By Dev Multimedia


Why will most of sub-Saharan Africa not achieve the Millenium Development Goals?
With globalisation and the spread of human mobility, health concerns of developed and less developed countries have become interdependent. Just as SARS brought Hong Kong to its knees in 2003, what impact has failing maternal health on our future?
In 2006, WHO reported a global deficit of 2.3m doctors, nurses and midwifes. Critical health workforce shortages exist in 27 sub-Saharan countries. This, coupled with a lack of functioning health systems; inadequate infrastructure and insufficient health financing will prove too much for the MDGs to succeed in 4 years time.
In global maternal health, it is sobering that every minute daily a woman dies in pregnancy or childbirth. The majority of deaths are a result of obstructed labour, sepsis or severe bleeding. Other causes impeding women's ability to have safe motherhood include poverty, gender inequality, illiteracy, nutritional taboos and practises such as FGM and forced marriage.
As another Mother's Day passed us by, for many women globally having a baby is a life-threatening DIY project. 48m women annually give birth without expert help, according to Save the Children's Missing Midwife Report – leading to 1-2000 babies dying daily. In Ethiopia, 94% have no assistance – due to the 250,00 global shortages of midwives and in Somalia 52% of new born babies die.
In the face of such sobering issues, in the UK 'Smartphones and Apps' have been added to the 'basket of goods/services' used to calculate inflation. Yet it is technological gadgets such as these (less so the new items of 'sparkling wines' and 'internet dating'!) that could help provide increased knowledge to health development attendants in countries on maternal health and childbirth good practice.
A final aspect that could help countries deliver on better healthcare would be a great engagement of charities with voluntary Britain – Big Society or not! With the current cuts, corporate social responsibilities may be less popular than ten years ago without US style tax breaks.
As I choose to help end FGM, there is pressure to become another charity in a sector that has few players yet true partnership is as yet untested. Can Africa and developing countries understand each other enough to address global inequalities? Can FGM truly end after 2000 years in three generations (45 years) – as footbinding did after 1000 years in 16 years? If so, I might just see it!


text:
Most Recent Sort ascending
Pompeo's Departure Is Restoring the State Department's Swagger
The U.S. secretary of state appears to have one foot out the door—and that's exactly what U.S. diplomats have been waiting for.
by Steven A. Cook
Ten World Figures Who Died in 2019
I wrote yesterday about ten Americans who died in 2019 who shaped U.S. foreign policy during their lifetimes. But Americans are not the only ones who influence world affairs. Below are ten world figu…
Blog Post by James M. Lindsay The Water's Edge
Can the Paris Summit End Ukraine's War?
The summit will feature the highest-profile talks in years on the war between Ukraine and Russia-backed separatists, but the parties will have to bridge major divides to find a permanent end to the c…
In Brief by Robert McMahon
Hungary's Populists Face New European Test
Hungarian Prime Minister Viktor Orban's party has become the symbol of European populism. How will Europe's mainstream parties respond?
In Brief by Zoltan Aguera
Why the European Parliament Elections Matter
Populist parties are looking to make big gains in European Parliament elections. That could disrupt EU policy on issues from trade to migration.
In Brief by James McBride
Viktor Orban's U.S. Visit Could Bolster Europe's Populists
President Trump's hosting of Prime Minister Viktor Orban will be viewed as a boost to populists and another blow to Europe's strained political center.
by Charles A. Kupchan Europe Program
Loving Dictators Is as American as Apple Pie
Trump has embraced yet another strongman, this time in Libya. But it's not just a personal failing—it's a national tradition.
Why Ukraine Might Make a TV Actor Its President
Ukraine's presidential campaign—the first since the upheavals of 2014—is drawing to a close, and the most improbable of candidates has taken the lead. Could he really become the country's next presid…
In Brief by Stephen Sestanovich Europe Program
The Future of France: Growing Discontent and the Yellow Vests Movement
In late 2018, economic and political divides in France sparked the Yellow Vests movement. Panelists discuss how the movement differs from other populist politics in Europe, and what implications it m…
Event by Célia Belin, Sheri E. Berman, and Jane Hartley
Ten Elections to Watch in 2019
Millions of people around the world voted in 2018. Russian President Vladimir Putin earned his fourth term in office, though the contest was far from free and fair. Hungarian Prime Minister Viktor Or…

redpajama_set_name: RedPajamaCommonCrawl


A few years ago, Rick McGee lent his amazing talents to my first illustrated children's book, Frank Jordan: Evil Snowman. Shortly after Frank Jordan's release, Rick released his own original creation, Space Rover. Today, Rick launched a Kickstarter campaign to bring Space-Rover back for round two!
This is Rick's fourth Kickstarter project, and all three of his past campaigns reached their goal. Space-Rover was a huge hit with my kids, and Rick has some fantastic incentives available.
Please visit Space-Rover and the Prickly Planet on Kickstarter and pledge your support today!


Anabolic Xtreme StimulantX What Are You Waiting For!
Dietary supplement. Xtreme energy & fat loss technology. No. 1 selling 8 hour formula. StimulantX is serious weight loss, energy, and appetite control - we're talking about rapid, significant weight loss and extreme loss and extreme energy, finally together in one power-packed pill. What will StimulantX do for you? Plenty, let's take a look. Increased energy. StimulantX delivers clean, jitter-free energy. So whether you're working out or working round-the-clock, StimulantX gives you the energy you need to be at the top of your game.
» Increased stamina. Some so-called energy boosters pick you up higher than a kite, only to let you crash off a cliff in just a few hours when they wear off. Harsh! StimulantX, however, provides up to 8 hours of clean non-stop energy, without the jitters or the crash.
» Increased calorie expenditure. If you think having all that energy must be doing something to your body, you're right - StimulantX is sharply accelerating the rate at which you burn off calories.
» Suppressed appetite. Along with vaporizing those calories, guess what? StimulantX is also obliterating your appetite, so you eat less (and whatever you do eat gets burned off instantly anyway).
» Decreased weight. As you've already figured out yourself, less eating + faster metabolism = reduced weight (and a load off your mind). And speaking of your mind.
» Improved mood and outlook. StimulantX isn't just about your body. It's also for your mind. Those who use it, invariably report a profound sense of well-being, an all-day good feeling.
» Improved mental focus. In today's multi-tasking, distraction-per-second world, everybody needs help staying focused. StimulantX gives your brain the ability to zero in on what's important and stick with a project till it's done. StimulantX works like no other product you have tried. Provides all day energy and fat loss, promotes a positive sense of well being and unmatched mood enhancement. A powerful appetite suppressant, you need to remind yourself to eat. Good clean energy without the typical jitters and shakes. What should I expect form StimulantX? A diet program using StimulantX will begin working from day one - you will immediately feel an increase in your energy levels and a decrease in your appetite on the first day.
» High energy plus low appetite. Getting more and more done, while eating less. Feeling great every day - unleashing yourself - and feeling like you've got a whole new outlook on life.
Ingredients: Active Ingredients: Guarana Seed Extract (Mixed Methylxanthines Including 100 mg Caffeine per Serving), Geranium Oil Isolate (Standardized for 2-Amino-4-Methylhexane HCI), Barley Extract (Standardized for Hordinine), Periwinkle Plant (Standardized for Apovincamine Ethyl Ester), Pausinystalia Bark Extract (Standardized for Aphrodine HCI).
As a supplement, begin by taking one (1) capsule first thing in the morning before progressing to one to three (1-3) capsules one or two (1-2) times daily. Never exceed recommended supplemental dosages and consult a physician before using this product. Those with sensitive stomachs may find it beneficial to take this product with food.


Hi Elise! It's Apryl (your neighbor). A major must try for you is Joan's on Third in LA. I'm not sure if you've been there, but if you haven't you must go now. I love it. I have a love/hate relationship with cupcakes. I love the really really good ones and hate anything else :). These are by far the best! Please update me if you go.
Thanks for the suggestion! I haven't been there yet. I'm like you, I am pretty picky about my cupcakes and try to only eat the great ones. Hopefully I can stop by Joan's soon!


I love working outside. When it's nice out my favorite thing is to throw and trim in the same day. It is so satisfying.I set up a makeshift studio for summer months so that I can do this. It's a bit of work moving stuff around but it is a lot of fun. Happy Memorial Day!


text:
Let's get underwriting and claims under control
By Michael Faulkner 2005-07-28T00:00:00+01:00
Insurance Times will lead the charge, says Michael Faulkner
' Forget yuppie flu - underwriting amnesia is the affliction creeping through the UK's insurance companies. A pernicious disease that causes the sufferer to forget the industry's past underwriting sins, and not heed the calls to set the technical price for a risk.
The sufferer frequently acts in a reckless manner charging ridiculous rates for risks in a bid to satisfy the voices calling for "volume".
Talking to brokers and underwriters, it appears this disease is commonplace. Brokers talk of "pricing chaos" across the market and a "blatant disregard for underwriting risks" - 30% or more off last year's premium is not uncommon. Yet, claims inflation is running over 10% in some classes of business.
As the Americans say, do the math. At this rate, if this action continues unabated, insurers' results will be heading into the red.
And it's not just insurers' results that will suffer; brokers are feeling the pinch too as commission incomes slide in line with falling rates and cut-throat competition.
The FSA is, not surprisingly, taking an interest in this activity. Insurance sector leader David Strachan has in the past warned of the dangers of uneconomic pricing and the long-term risk to companies' balance sheets and survival. He is now putting his words into action and beginning a probe into insurers' pricing models.
What is required is disciplined underwriting - the right rate must be charged for each risk, and premium growth should not be at the expense of profit not volume. Insurance company chief executives say they are doing this, but the feedback from brokers suggests not all are practising what they preach.
To this end Insurance Times is launching a campaign to champion underwriting discipline. Poor underwriting control and bad practices will be exposed, while strong performers will be applauded.
The flip side of underwriting is of course claims. Just as industry grapples with the underwriting cycle it is also struggling to keep claims costs down. To be successful in managing claims costs, the industry must face up to the compensation culture fuelling claims growth and legal wrangles holding up speedy settlements.
The government is committed to introducing a Compensation Bill to regulate claims farmers and stamp out the compensation culture. And initiatives are afoot to make the compensation process more efficient.
Insurance Times has launched another campaign entitled Claims Sense. Like the Underwriting Discipline campaign, it will highlight claims initiatives, applaud good practice and expose the bad.
The campaign trail starts here. IT


Get a FREE Photo Calendar! The perfect gift for family and friends for the holidays! Choose 13 images (1 per month + cover) and you can add birthdays & anniversaries to the dates on the calendar. The product is FREE you just pay for shipping.
Even with the 7 day shipping, you are still paying less than $14 for a custom calendar! Create your calendar now!


Ordering a Lagavulin Whiskey at the bar after a tough week in the office is one of the greatest feelings I've ever had in my life. Bettered only by the birth of my second child (first was great but a serious pain in the backside now). Now you know what Lagavulin Whiskey means to me you can imagine my delight when I did this on a Friday night at Glasgow Airports bar. En route to Majorca for a ten-day break. Well needed. Buzzing.
This was the feeling I experienced a year ago before jetting off with the family on a holiday which has changed my views on alcohol for the rest of my life. I had obviously packed a bottle of Lagavulin whiskey for the week. This was supposed to last the duration of the holiday, however after two nights of the kids falling asleep early my wife Sharon and I ended up going a little bit too far on the booze. You know that age old saying though; when in Majorca.
In the end our search efforts were to no avail. A Spanish brand of whiskey Portocollo was purchased instead in the hope the taste wouldn't be too far away from our beloved Lagavulin whiskey. We couldn't have been more wrong. For the first two days all I could think about was that beautiful drink of Lagavulin whisky at night. Kids having arguments down the beach or in the pool, moaning at being dragged round the shops even though I was spending a fortune on them, seemed trivial when I knew I was having a glass of the finest Lagavulin whiskey that evening.
With Spanish own brand whiskey, I knew very quickly this wasn't the same feeling or taste I had before. Arguably, the taste wasn't actually much worse. Some may have even struggled to notice the difference. Not me. I had grown so attached to the Lagavulin brand that the next eight days of my holiday had a cloud over it as I knew I didn't have my beloved Lagavulin to look forward to at nights. Being without my favourite brand, Lagavulin Whiskey, genuinely cast a huge cloud over the remainder of my holiday abroad and I couldn't wait to get home. Upon returning home the first place I went to was the supermarket to purchase a bottle of Lagavulin whiskey. After I'd finally met this burning need which had eaten me alive for the duration of my holiday, I realised that I shouldn't feel so empty without a drink. It wasn't right, and I knew I needed to get help. The power of counselling was incredible and I am now in complete control of the quantity of alcohol I drink and when I drink it. It's the greatest feeling in the world.


Uniquely styled and made with love in our Texas Studio, Heavenly Bound is proud to present our collection of rosary bracelets. Crafted in a variety of gemstones, pearls, and sterling silver, our rosary bracelets make the perfect gift for any occasion.
Sparkling crystals and sterling silver accents lead the way on this rosary bracelet to the handmade, intricately detailed Our Father bead surrounded by Swarovski pearls and crystal roundels. Also included are the sterling silver crucifix and a double-sided medal featuring Madonna and Child and the Sacred Heart of Jesus.
Fully faceted for extra sparkle and an abundance of fresh colors make this lively rosary bracelet special. The big, beautiful sterling Our Father bead adds interest.
This rosary bracelet of rich Lapis is accented with handmade sterling Our Father bead and creamy pearls. All sterling parts.
Rich Chinese Turquoise creates a rosary bracelet with a bold statement. This chunky bracelet is fun and functional. The handmade Our Father bead is stylish and unique. Sterling Silver cross and all sterling parts.


The educational information, text, graphics, photos, and links provided herein are provided as a convenience to all readers, consumers and builders. Use of the site constitutes the user's agreement to abide by the aforementioned terms and conditions. We make no representation, expressed or implied, regarding the qualifications of suppliers, products, or links, but we invite you to examine them for yourself.
We do not warrant the accuracy, or completeness of the information, text, graphics, links and other items contained in this site or any other site. By accessing this site you agree to immediately contact Rudy Nino to report any incorrect data or misrepresentations of facts.
Except as expressly provided above, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, copyright, trademark or other intellectual property right of SA Building & Remodeling, Co., (us), SA Remodeling, LLC, or any third party.
You agree that you will not use the name of the SA Building & Remodeling, Co, of the United States or the logo in any advertising.
THE MATERIAL INCLUDED IN THIS WORLD WIDE WEB SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE WILL NOT AND SHALL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS, OR LOSS OF PROSPECTIVE ECONOMIC ADVANTAGE, RESULTING FROM THE USE OR MISUSE OF THIS WORLD WIDE WEB SITE, OR THE INFORMATION, DOCUMENTS, OR SOFTWARE HEREIN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANOTHER PARTY. WE DO NOT WARRANT THAT THIS WEB SITE WILL BE UNINTERRUPTED OR FREE OF INACCURACIES OR ERRORS, NOR DO WE WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS.


text:
China's Lighting Market
China has become a leading world lighting producer and consumer. Light emitting diodes (LEDs), compact fluorescent lamps (CFLs), electrodeless discharge lamps (EDLs) and organic light emitting diodes (OLEDs) are major products in the mainland lighting market. Integration of lighting with entertainment is also increasingly being seen in the home use market, giving e-sports lovers an enhanced immersive game experience. More
Virtual fair, real business
For hundreds of thousands of suppliers and buyers looking to continue with business despite COVID-19-induced travel restrictions, a convenient solution is at hand. More
Hong Kong as a Gateway for Sourcing of Vendors in China
Hong Kong is a great platform and gateway to connect suppliers from China to Indonesia through trade shows and other means of establishing business partnerships. More
HKTDC Hong Kong International Lighting Fair (Spring Edition)
The 12th HKTDC Hong Kong International Lighting Fair (Spring Edition) will bring together suppliers, buyers and industry followers from around the world to source products, establish business relationships and exchange information on this rapidly evolving industry. More
O2O Stay connected with global buyers
Green Building Developments and Opportunities: Singapore
Singapore is at the forefront of green building development in ASEAN. The country has been a pioneer in setting building environmental standards and certification schemes. Given its leading position in ASEAN green building development, Singapore could be a stepping stone for Hong Kong SMEs looking to venture into the ASEAN market. More
Green Building Developments and Opportunities: Malaysia
Green building practices are becoming increasingly popular in Malaysia because of the benefits of lower energy costs and higher-quality indoor environments. Property developers and building owners are increasingly beginning to look for energy efficient solutions, encouraged by fiscal incentives. This represents a good opportunity for Hong Kong's green technology companies and services providers. More
Green Building in ASEAN: The Opportunities for Hong Kong
Green building practice becomes more widely recognised across key ASEAN countries, thanks to rising environmental awareness, as well as incentives to save energy and resources. Hong Kong companies in the construction and building sector may tap the growing potential by introducing new green technologies and providing eco-friendly solutions. More
Clothing, Bags, Foods, Auto Parts Among New List 3 Tariff Exclusions
Clothing, bags, foods, auto parts and more are among the latest exclusions from the Section 301 additional 25 percent tariff on List 3 goods from mainland China announced by the Office of the U.S. Trade Representative. More
HKTDC Hong Kong Electronics Fair 2021 (Autumn Edition)
HKTDC Hong Kong International Lighting Fair 2021 (Autumn Edition)
HKTDC Hong Kong International Outdoor and Tech Light Expo 2021
Eco Expo Asia 2021


text:
Cleaning: Business & Industry
Business Valuation: What's Your Company Worth?
BY Alex Runner
Business valuation is the formal process that establishes the true value of a business operation. Most jan/san distributors will tell you they already have an idea of what their company is worth. There's only one problem: that idea is always wrong.
Always?
Yes, says Brad Davidson, president of Securities Pricing And Research (commonly known as STARDATA), a national valuation consultant in Annapolis, Md., and a regular contributor to The Wall Street Journal, The Baltimore Business Journal and other business publications.
"My company has valued more than 27,000 businesses, and I have yet to meet an owner who didn't have some number in his or her head about what his or her company was worth," he says. "That number is always wrong, and it's usually wrong by about 50 percent."
Davidson offers the simple — but not uncommon, he says — example of a business owner who thinks his company is worth $1 million. "The owner may be overvaluing his company, in which case it's really worth $500,000. Or, he could be undervaluing it, in which case it's really worth $1.5 million. Either way, he's wrong by a wide margin, and it's going to wreak havoc on his plans for the future of his company. It will probably wreak havoc on his personal plans for the future as well."
How can valuation prevent future problems for a business? Although business valuation is primarily used to determine a company's value if it's going to be sold, Davidson sees it as a useful tool for monitoring and assessing various assets that contribute to a company's total worth. "I always tell business owners, 'It's imperative for you to know what your business is worth.' A business owner's company is usually his most valuable asset — more valuable than his house, stock holdings or other investments," he says. "If you don't know how much your business is worth, then you have great uncertainty about your financial future. You're leaving situations like your retirement, the estate tax, succession planning and a potential sale all to mere assumptions."
Business owners tend to focus so much of their energy on portraying their company in a positive light, that they aren't objective about its performance history, says Don Kellermeyer, president of Kellermeyer Co., Toledo, Ohio. A potential acquirer will pay more attention to how a company is trending regarding future sales and profits.
"Distributors need to stop thinking about what their company has done in the past, and evaluate how it will do in the future," says Kellermeyer, who has made several acquisitions and gone through numerous valuation processes in the past two years. "It may be a hard fact, but that's all a potential buyer cares about. If you've been making $3 million every year, but all your accounts are beginning to decline, and your entire sales staff is retiring, then your company probably isn't going to sell for what other $3 million-per-year companies might sell for."
For Sale — At Some Point
The recent economic recession created a business climate full of uncertainties. Many of those uncertainties — fluctuating margins, shrinking customer budgets, inconsistent product quality from manufacturers — still exist, and they extend beyond the reach of a business owner's control. Business valuation, however, allows owners to accurately determine how they can increase the value of their company and better manage the circumstances within their control. They're better prepared to sell when the time comes, and they're more likely to be adequately compensated.
"I believe that valuation is something that distributors should do on a regular basis because there's such an awareness of it with all the current mergers and acquisitions," says David Ellis, president of Lansing Supply, Lansing, Mich. "We usually don't know what the future holds," he says. "A situation could come up where an owner is suddenly forced to sell his business. There might not be a succession plan in place, and debts will have to be paid off eventually. It's just a smart thing to do so that you can prepare for the future with discernment."
Owners should never wait until they are in a situation where they are forced to do a company-wide valuation, says Charles Wax, president of Waxie Sanitary Supply, San Diego. Wax is a proponent of regular valuations for his company's 14 locations throughout the western United States.
"There's a big difference in working through the valuation process with a company that has been preparing for the possibility of a sale, and one that hasn't," says Wax. "The latter situation is often quite difficult, because it usually takes a while for the owner to get over the initial shock and emotionally prepare for what his company is really worth."
The difference between the way that a seller values his or her business and the actual market value often is significant, says Tim Feeheley, president of JanPak, a jan/san distributor in Davidson, N.C. "We're still a very fragmented industry, and you have a lot of multi-generational businesses that have just never gone through the valuation process," he says. "Don't get me wrong — they have great reputations and they're great companies — but the first time you tell them how much their company is valued at, their jaw hits the floor."
Ignorance is Costly
Most business owners don't want to think about the possibility of selling their company, so they avoid doing a critical valuation. Unfortunately, unforeseen circumstances often dictate when a sale becomes necessary, says STARDATA's Davidson.
"It's sad, but it's not all that uncommon for a business owner to have no intention of selling, but to suddenly die from an illness or an accident. Maybe an owner figured that his business was worth about $1 million, but it's really worth $3 million. Typically, the owner has made some arrangements for who should get what percentage of the business. However, when the state comes in and does a valuation, it can seize 50 percent of the company's worth because of the estate tax. In that situation, the only way for the owner's family to pay $1.5 million (and they have to do it within 9 months) is to sell the company."
Davidson argues that a proper business valuation can prevent many of the problems associated with the untimely death of a company owner. "The estate tax doesn't look like it's going away, and I've seen many companies get sold for 20 cents on the dollar by the state, because a proper valuation had never been done to see what a fair price was."
Don't Stop Finding Value
Valuation data allows business owners to strategize effectively, create incentives for accurately meeting company productivity goals, and sell the company for a fair price when that day comes. Ongoing valuations are important as the company changes, says Davidson.
"Once an owner has had his company valued, then I usually recommend that he get it revalued if the sales have grown or fallen by more than 30 percent," he says. "If you've had a big delta in your revenue, then there is a corresponding increase or decrease in the value of the business."
Wax agrees that valuation should be an ongoing process. "It's wise to do it on a regular basis so that you can know where your company needs to improve," he says. "A business owner needs to determine where the strengths and weaknesses are within a company, and valuation is a great way to do it."
A recurring valuation process might uncover damage to warehousing facilities or that those operations are not running smoothly, for example. The cost of making improvements to the warehouses can be weighed against the impact those repairs have on the company's total value.
While some distributors feel that annual valuations make the most sense, others say that the frequency needs to be less often in order to properly evaluate economic cycles. "Every 24 to 36 months is good," says Feeheley. "I think going through the valuation process every year is a little short-sighted. You need some time to go through the business cycle, and you don't want to base everything on the short-term market trends."
The variables that influence valuation change over the years. A regular valuation process allows the business owner to take into account current economic models. "Valuation today is much more difficult than 25 years ago because there are so many different methods to pay for things," says Wax. "The majority of companies are not paying with cash for their financing needs."
During the course of valuation, a buyer tends to look at a number of variables — stocks, assets, branding rights and cash, for example — and often places a special emphasis on one or more. Some of the valuations conducted by Waxie focused on valuing the power of a particular brand in a particular region (and then purchasing that brand), while others focused on the pure cash-flow value of a company.
A Body of Worth
During the valuation process, many distributors realize that their customer base is a larger consideration for a potential buyer than facilities or delivery trucks, says Kellermeyer: "One of the first things to do is to figure the value of your customer lists. You have to ask a lot of hard questions regarding the health of those [sales] accounts. Are they growing customers? Are they in decline?"
Sometimes, the makeup of your customer base can work against you. Case in point: Kellermeyer Co. was extremely close to purchasing a company in Michigan, but negotiations fell through when the customer lists were examined. More than 40 percent of the seller's business was attributed to one customer. If that customer were to move its business after the acquisition, the company would take a major hit.
A company's sales staff also figures prominently into the valuation process. Usually, a veteran sales staff carries more value than an inexperienced one. However, if several salespeople are nearing retirement, that could make the sales force less attractive to potential buyers.
"So much of a company's value really hinges on the salespeople," says Kellermeyer. "If they have strong relationships with good customers, that's very appealing to a potential buyer. That's why buyers always try to figure out if the salespeople are willing to stay onboard."
Not all distributors consider customers and salespeople when starting the valuation process for a business. "When we look at a business to buy, we usually look at the hard, tangible things first," says Ellis. "We look at the inventory. Is there commonality with our inventory? We look at the real estate, the trucks, etc. Later, we move to the intangibles like customer base, the markets they're in, the power of the brand name, and the potential of their geographic location."
When a company is sold in an assets-only sale, it makes valuation somewhat easier, because the value of each asset can be determined individually and apart from cash flow. More common, however, is a purchase that involves the cash-flow potential of a business (see sidebar).
Use It, Or Lose It
Valuation often means little unless it is accompanied by follow-up measures, says Wax. "To me, when you figure out the value of the company, you need to also find out how you are going to run it and organize it," he says. "How much a company is worth in dollars is only part of the equation. If you're looking to buy a company, many times you have to invest heavily in order to run it the way you want. If you're conducting an internal valuation, then you better have a plan in place to leverage the information that you've gained."
Companies that are disorganized or performing well below their potential can be prime acquisition candidates, says Kellermeyer.
"That's really an ideal acquisition for a buying company — when the business that's being bought has underperformed due to mismanagement," he says. "In that case, it's not hard to come in, see why things haven't been working, and correct the mistakes so that you're profitable."
"If you're going to buy a company and just run it the same way it has always been run, then why did you buy it in the first place?" asks Wax. "The reason a company is sold is usually because it hasn't been profitable."
If most mergers and acquisitions occur because an outside company believes they can do a better job of running things, then business valuation is not only a precursor to those transactions, it's also similar in its goal — to run a company more efficiently and profitably than it has ever been run before.
Sanitary Supply Sellers and Buyers Turn to EBITDA for Valuation
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a common benchmark for measuring financial performance and cash-flow value. Many jan/san distributors apply EBITDA principles because they eliminate the effects of financing and accounting decisions.This process ignores any debt interest that a company might have accrued or expenditures on equipment, but it focuses on the health of the company's sales. Although EBITDA does not actually measure cash earnings, it is a good measure for evaluating profitability.
Potential buyers often use EBITDA as a benchmark in valuation. In the late 1990s, companies in the jan/san industry were being sold for high multiples of their EBITDA, says Tim Feeheley, president of JanPak, Davidson, N.C. "Between 1996 and 1999 the EBITDAs were extremely high," he says. "People were paying 8, 9 or 10 times as much as a company was worth. For example, in 1997 a distributor's EBITDA might have been $1 million, but they could sell [their company] for $9 million. It really got out of hand."
During this time, the jan/san industry was really a "seller's market," so many buyers stopped making acquisitions, explains Don Kellermeyer, president of Kellermeyer Co., Toledo, Ohio.
When the economic recession hit in 2000, companies lost most of that inflated value. "It was really a triple-edged sword for those companies that went through the valuation process in order to sell," says Feeheley. "First, the multiples went way down; then, their earnings were also going down; and finally, no one really wanted to make an acquisition because of their own financial problems."
Currently, valuation indexes seem to be more realistically attached to a company's revenue potential, says Kellermeyer. "People are no longer paying indiscriminate prices for companies," he says. "Now the multiples are 2 or 2.5 more than the EBITDA. It's pretty concrete — I think it will stay that way for a while."
» Using this article on your site


Ultrasound Gel sitting on your dining room table.
And then remember my melancholy post last week?
Doc H came home with these later that day.
our Medical Monday Link Up will be live!
Click here for Volume 4 of "You Know You're a Surgeon's Wife When..."
doc h is a keeper :) I would be imaging every. single. part of my body.
I think I may image my legs tonight after dinner.
Haha, this made me giggle! I'm glad everything you guys checked out came out fine. I hope you had a great weekend!
I know! I was a little concerned I might hear a "hmmm..." or a "what's that?" That would've freaked me out!
You get to play with that? I'm jealous. For real pea green with envy jealous.
The flowers are lovely too.


Do you want deeply purified and clear skin? Look no further than DREAM Activated Charcoal soap. Activated charcoal works to draw out toxins and deep clean your skin. Activated charcoal has very high absorption powers. Which means it can draw out dirt, excess oil and toxins from your pores. It has anti-bacterial properties so it can heal blemishes and help with future breakouts.
This soap is a great way to treat oily, acne-prone, sensitive or problematic skin. Along with cleaning out the pores and preventing acne, activated charcoal works to tighten the pores and smooth your skin, creating a more youthful, soft appearance.
Aloe Vera is high in antioxidants, vitamin C and other minerals helping to heal and moisturize. The Shea butter and oils also moisturize and heal. Organic Coconut Oil has fantastic soothing and anti-inflammatory properties which is great for acne prone skin, dry and irritated skin or mature skin. The essential oils used in this blend controls the secretion of excess oil and prevents clogging of pores and outbreak of acne. It also calms inflammation. Great for acne prone, combination, and oily skin types.
Leave your skin feeling luxurious with this 100% all natural DREAM Activated Charcoal face & body bar.


Today, I have a women's fiction romance in our book spotlight! CHeck out Love on the Line, learn about the author and the Women at Work series--and be sure to enter for a chance to win a $25 Amazon gift card in the book tour giveaway at the end of this post!
Thx so much for posting!!


text:
WESS Becomes FIM Hard Enduro World Championship
As one of the great success stories in the world of motorcycle events, the World Enduro Super Series has found itself attracting the attention of one of the biggest names in the business – the FIM.
The Fédération Internationale de Motocyclisme (FIM) is the global governing body for motorcycle racing, meaning if you want to hold an official world championship they are the guys with the power to make it so.
With the FIM taking notice of the Hard Enduro focussed World Enduro Super Series, the FIM and the team behind the WESS (WESS Promotion GmbH) have announced that they have agreed to join forces to further enhance the Hard Enduro Sport worldwide.
As a result, the "World Enduro Super Series" will now fall under the greater FIM umbrella and will be renamed to the "FIM Hard Enduro World Championship" with an inaugural season kicking off in May 2021 in Portugal.
"This is a very exciting time for us and our sport, says WESS Promotion GmbH Winfried Kerschhaggl. "Following an incredibly busy time, building and shaping WESS, work is paying off. The past three years helped us to gain the recognition of the FIM. A special thanks from our side goes to Tony Skillington, who has been very supportive since the conversations about a joint project started. We're ready to take the next step as the FIM Hard Enduro World Championship. Together with the FIM we move into 2021 with confidence and enthusiasm and look forward to ongoing exciting racing."
As part of the new partnership, a new Pro-Class in line with all FIM international standards has also been established to offer the highest level of transparency and fairness to professional riders, teams and manufacturers who will compete to win the now official world-recognised title of FIM Hard Enduro World Champion.
At the same time, the active integration of amateur riders into the series which has been a cornerstone of the WESS events to date will stay an inherent and defining characteristic of the series. That means that, if you've got the gumption, you too can take on the trails with the world's best enduro riders.
The hope of the organisers is that the common effort of amateurs and professionals competing within the same race will further attract enthusiasts around the world to participate in FIM Hard Enduro World Championship events and ensuring long-term growth of the championship.
"Every once in a while an opportunity comes to do something very interesting and new in motorcycle sport, says FIM CEO, Tony Skillington. "I am completely convinced that this championship will become a very important part of the FIM calendar in the future and I am more than pleased that we are finally signing a four-year contract for the promotion of a FIM Hard Enduro World Championship. I also appreciate the energy and dedication that both FIM and WESS have deployed together to work on all of the ways to make this championship a success."
The 2021 FIM Hard Enduro World Championship is set to begin on May 7th with the Extreme XL Lagares in Portugal.
FIM Hard Enduro World Championship 2021 – provisional calendar
Round 1: Extreme XL Lagares - Portugal, May 7/8/9
Round 2: Red Bull Erzbergrodeo - Austria, June 3/4/5/6
Round 3: TBC – Italy, July 10/11
Round 4: Red Bull Romaniacs - Romania, July 27/28/29/30/31
Round 5: Red Bull TKO - USA, August 13/14/15
Round 6: TBC – Poland, September 18/19
Round 7: Hixpania Hard Enduro - Spain, October 1/2/3
Round 8: GetzenRodeo - Germany, October 29/30


text:
Reconstituted People
I have a friend.
Or maybe, I had a friend.
English tenses are not really up to the job of describing the situation, because right now it's pretty much a judgment call whether or not my friend actually exists.
This is the thing. He's dead right now.
But he's frozen, and after some time, when they figure out how to fix the disease that killed him and they figure out how to thaw people out and revive them, they're going to thaw him out and revive him and fix the disease. At least that's his plan. So he's dead, but he hopes (or, maybe I should say hoped, depending on whether or not he still exists) he'll get better. I'd send him a get well soon card, but obviously if he can ever read it he'll have already gotten well.
This is a guy I have interacted with, occasionally, for over 30 years. I think when we first met, the sort of people who use phrases like "incompletely socialized" might have been talking about either of us when they did. But we both got over that, at least enough to learn to value other people and form long-term stable relationships that have helped to keep us sane. Our politics have diverged, to put it mildly, but over the years our mutual respect remained.
And now, a relentless, incurable, 100% lethal disease has intervened, and for the time being at least, he's dead. Damnit.
A lot of the people who knew him are firm believers in this cryonics stuff and they expect that he will be back and get up and walk among them again. That's not exactly what I expect. See, I think that version one of him is dead. And I mean dead. Gone, never to be seen again. And I expect that one day, probably, we may see version two of him – the reconstituted version.
I expect that version two will not be the same person as version one. I'll give him the benefit of a doubt, but I expect that there'll be a hell of a lot of shared communication and work that version two doesn't remember, exactly because his part in it was never recorded where anybody else would have access to it. I'll have to get to know version two without prejudice, as his own person who does not share that history. Which will be weird, because he will look and sound like version one and will remember other parts of shared history.
Here's why I expect that. When someone has smoked a cigarette, you have a haze of smoke in the room. There isn't enough information in the smoke to go back and reconstruct the tobacco in the cigarette. Entropy happens, and it destroys information. Entropy's mean that way. I mean, you can tell there was tobacco in there, you can put tobacco in a new cigarette that provably could have resulted in the observed smoke, but it's not very likely to actually be the same arrangement of tobacco that was in the original cigarette.
In the same way, I think the process of dying and having your brain frozen by the best available means probably still destroys rather a lot of information. And the process of getting thawed out and revived, unless something pretty surprising happens, is likely to destroy at least a little bit more. And you can't directly restore information that just plain isn't there.
So, assume you're a twenty-second century doctor and you're looking at this case of a frozen sleeper who's going to be a hopeless moron with maybe a few tiny scraps of memory, because of all the missing information in his brain if you just restore the biological function. And you know – absolutely know – that that information is just plain gone, and that no twenty-third or twenty-fourth or twenty-fifth century tech is going to recover it. What do you do?
Well, the thing is you can infer a lot of it. You know when and where he grew up. You have a lot of what he wrote. You have things that were written about him. You have recordings of him. You have video. You have code he wrote. You have his FBI file. And the list goes on. You can infer a pretty darn complete picture of the memories you can't recover, and the personality, and the thought process, and the skill set, etc, and you pretty much owe it to your patient not to leave any gaps in his mind if you can avoid it, right?
So the medical professional sets about making sure that the neurons and synapses they can see have their lost information restored in such a way that all these inferred memories and skills and so forth are recovered, as part of the resuscitation process, right?
And then who, exactly, is it that wakes up? It's version two. It's this guy who won't remember the stuff we did and never told anyone else about. It's this guy who won't remember the shared keys to the messages we sent each other, nor in fact that the messages exist or where to find them. This … reconstituted …. version of my friend.
I don't know… we had drifted pretty far apart for a decade or so as he drifted further to the radical right, and hadn't talked for over a year when I heard about his illness. When I think interacting with version two of him would be hard, I guess I'm thinking of a level of friendship we hadn't really had, as a practical matter, for a long time. But no matter how you slice it, interacting with version two of him, if there's ever a period when we're both above ground at the same time, is going to be weird.
And interacting with all the people who suppose he's fully the same person as version one, regardless of his memory being more-or-less limited to the recorded material the resuscitation research team could recover, is going to be very very tedious. They'll hold to that idea with religious faith and I will have to be very careful to avoid challenging them or pointlessly inflaming them to anger by bluntly telling them the truth, exactly the way I treat fundamentalists. On such processes as cryonics and uploading hang their own temporal claims on immortality, and their ability to see these things as continuation rather than reproduction is crucial to warding off their fear of death.
But the fact is that when you're starting with as much recorded information as I expect the resuscitation team is going to need, and filling it in with as much extrapolation as I expect their systems are going to do, it probably really didn't matter whose brain you started with. You could do the same process to a convicted criminal's brain instead of executing him, changing existing information instead of changing absent or unrecoverable information, and he'd wake up as version two of my friend, curing the lethal disease just by being in a body that doesn't have it. Would the faithful still insist that it's the same person, if the original body and brain hasn't even been thawed out yet?
Would they be happy to throw that still-frozen body and brain away?
This entry was posted in personal, Political, Privacy, The Future on 8 July, 2017 by bear.


Tantalizing Tuesday – Sesame Ginger Pork Tenderloin by Tossed Salad Life!
Hey Y'all! My name is Emily and I blog over at A Tossed Salad Life. People often give me a strange look, or pause when I tell them the name of my blog. You see, I live in a stepfamily, which some people call a "blended" family. When I was engaged, a friend and mentor told me that living in a stepfamily was less like a blended smoothie, and more like a tossed salad. Each person has his/her own special flavor that stands alone, but together all of the pieces make something delicious. My blog includes deals with children, cookies, crafts and crockpot creations, I'd love it for you to stop by or connect with me via Facebook, Twitter, Instagram or Pinterest.
I'm going to share with you a recipe for Sesame Ginger Pork Tenderloin. I've seen several variations of this recipe around the internet. I'm going to share mine, and let you know that you have two options for cooking it. First you can cook it on the grill. This is a great summertime option. Alternatively, you can cook it in the crockpot/slow cooker. I'm showing you the crockpot/slow cooker version because I wanted to make sure that it was ready when my husband got home from work. However, at the end of the recipe, I'll let you know how to change the recipe for the grill.
Place your Pork Tenderloin into your slow cooker. You should be able to make the marinade/sauce in a single 2 cup Pyrex measuring cup. Add all of those ingredients and mix thoroughly. The honey needs to be completely mixed into the soy sauce. Once it is blended, you can pour it directly onto the pork tenderloin. Cook the tenderloin on high for 4 hours, or low for 6-8 hours. We served it over rice.
Now if you want to make it on the grill, here is what you will do differently: Place your pork tenderloin into a dish or gallon sized bag. After preparing the marinade, pour it over the meat, and let it marinade for at least 2 hours, but overnight is better. I always try to turn my meat during the day. When you are ready to cook the meat, take it out and roll it in lightly toasted sesame seeds. Cook on the grill until done.
I hope you all will stop over to Emily's blog (Tossed Salad Life)and see some of her other great creations.
My goodness this meal looks delicious. I love the taste of sesame and I really like what you paired the pork with. I will definitely have to try it out soon!
This looks delicious – I'll have to try it! I came for the party and couldn't find it.


text:
Vladimir Tsepelyov (en ), né le , est un athlète soviétique, spécialiste du saut en longueur.

Biographie
Concourant sous les couleurs de l'URSS, il remporte la médaille de bronze des Championnats d'Europe 1978, à Prague, se classant avec la marque de  derrière le Français Jacques Rousseau et le Yougoslave Nenad Stekić.

L'année suivante, à Vienne, Vladimir Tsepelyov s'adjuge le titre des Championnats d'Europe en salle avec un saut à , devançant finalement son compatriote soviétique Valeriy Podluzhniy et l'Est-allemand Lutz Franke.

Son record personnel en plein air, établi le  à Riga, s'inscrit à .

Palmarès

Records

Notes et références

Liens externes

Athlète soviétique
Sauteur en longueur russe
Champion d'Europe d'athlétisme en salle
Naissance en octobre 1956

redpajama_set_name: RedPajamaWikipedia


text:
CIC News > Latest News > Settle > Five benefits of Canadian citizenship A sense of belonging to the Canadian family is one of many reasons to take that final step in your Canadian immigration journey.
Five benefits of Canadian citizenship A sense of belonging to the Canadian family is one of many reasons to take that final step in your Canadian immigration journey.
Shelby Thevenot
Published on April 5th, 2022 at 09:00am EDT Updated on April 6th, 2022 at 11:02am EDT
There are a number of good reasons to transition from permanent residence to Canadian citizenship.
Beyond the security and pride that comes with citizenship, there are some advantages that are not available to permanent residents.
Here are five benefits to getting Canadian citizenship.
Schedule a Free Canadian Citizenship Consultation with the Cohen Immigration Law Firm
No need to renew status
Most PR cards are valid for just five years. In that time, it is possible to meet the residency requirement for citizenship. Permanent residents need to be physically present in Canada for 1,095 days out of the past five years before applying.
Once you are a citizen, there is no need to renew your citizenship status. Citizenship certificates are valid indefinitely.
Canadian citizens are able to apply for jobs that are not available for permanent residents. Certain government jobs and some jobs that require security clearances are only available to Canadian citizens.
Better protection against losing status
It is possible for permanent residents to be deported no matter how long they have lived in Canada.
There are only a few circumstances in which citizenship status can be revoked. According to Canadian law, a person's citizenship can be taken away if it was obtained by false representation, fraud, or knowingly concealing material circumstances. Other reasons to revoke citizenship relate to security, human or international rights violations, or organized crime.
The right to vote
Canadian citizens can vote in all elections. They can also run for office and represent constituents on issues that are important to Canadians.
Canadian passport
Citizens get access to the Canadian passport. Many countries allow Canadian passport holders to enter without a visa for certain purposes.
Canada also recognizes dual citizenship. If your country of birth also recognizes dual citizenship, then you may be able to hold two passports. If your country does not allow dual citizenship, then you may wish to analyze the pros and cons of choosing one passport over the other.
About 86% of Canadian permanent residents become citizens, one of the highest rates among western countries. Although, in recent years the citizenship uptake has been declining, Statistics Canada reports.
When permanent residents become Canadian citizens, it benefits both themselves and the country at large. It gives immigrants the right to vote, enables them to have political influence, and studies suggest it may improve immigrants' economic opportunities.
canada citizen, Canadian citizenship, citizen, citizenship, Proof of Citizenship


text:
Youth & Young Adult
Home / Priesthood/ Religious Life / Page 1 of 1
Priesthood/ Religious Life
Be Thou My Vision Sold Out
By Bishop David L. Ricken, D.D., J.C.L. Summary: This book will deepen a priest's love of his own vocation. In a series of meditations, Bishop Ricken invites the reader not...
From the Depths of Our Heart: Priesthood, Celibacy and the Crisis of the Catholic Church $26.50
From the Depths of Our Heart: Priesthood, Celibacy and the Crisis of the Catholic Church
by Pope Emeritus Benedict XVI and Robert Cardinal Sarah The Catholic Church faces a major crisis and the turmoil in priestly ministry is at the heart of it. "The priesthood...
In Sinu Jesu Sold Out
In Sinu Jesu
"It is my fervent hope that In Sinu Jesu will inspire many to be ever more ardent adorers of the Eucharistic Face of Jesus."— CARDINAL BURKE In 2007, Our Lord and Our Lady...
Many Are Called: Rediscovering the Glory of the Priesthood $18.99
Many Are Called: Rediscovering the Glory of the Priesthood
by Scott Hahn In Many Are Called, Dr. Scott Hahn, one of the most celebrated scholars and influential Catholic writers living today, enthusiastically encourages Catholics around the world to renew their...
Radical Discipleship Consecrated Life and the Call to Holiness Sold Out
Radical Discipleship Consecrated Life and the Call to Holiness
by Cardinal Francis Arinze Since 2015 has been deemed the Year of the Consecrated Life by Pope Francis, this work by Cardinal Arinze is a very timely one-for this year,...
The Seminary Rector $8.50
The Seminary Rector
by Msgr. Gregory Schlesselmann This book addresses the specific needs of a rector as he pastors his seminary flock. The book is divided into chapters which address the rector's role...
To Save A Thousand Souls $19.99
To Save A Thousand Souls
by Fr. Brett Brannen To Save a Thousand Souls: A Guide for Discerning a Vocation to Diocesan Priesthood is the definitive guide for men considering the priesthood. Using powerful and entertaining...
Branches Catholic Books & Gifts, a division of the non-profit organization Branches Catholic Ministries, offers a great selection of Catholic literature from apologetics to reading for spiritual growth to age-appropriate titles and resources that will form children and youth in their beautiful Catholic faith.
© 2022 Branches Catholic Books & Gifts. Designed by Out of the Sandbox. POS and Ecommerce by Shopify


text:
Le Chiracha est un stratovolcan rhyolitique situé dans la région Sidama en Éthiopie, au nord-est du lac Abaya.

Alors que la majeure partie des volcans de la vallée du Grand Rift datent du Pléistocène ou de l'Holocène, le Chiracha serait vraisemblablement plus ancien.

Voir aussi

Articles connexes
 Vallée du Grand Rift
 Volcans d'Éthiopie

Liens externes

Volcan en Éthiopie
Sommet en Éthiopie
Stratovolcan
Sidama (région)


Starting a photography business is not as easy as one may think. Having a camera and calling yourself "John Smith Photography" doesn't mean you're in business, yet. Having a camera and a business name is only the beginning. I've been asked and have seen this question so many times, how do you start a photography business? There are a few steps to take and they might look overwhelming at first but take it one step at a time and you'll be on your way.
Choose a Name. This is simple if your are naming your business after your own name because you always have the right to your own name. However if you want a business name like "Wedding Bliss Photography," you need to do a few things first. Step 1 is to check USPTO.gov and perform a TESS trademark search. Simply type in the business name you want to use and if the search results show no results, so far so good. You need to do additional searching to see if any business names are similar as this can lead to potential issues down the road. Google the potential business name and see what results show. You want a unique business name so if Google is bringing up companies with similar names it's best to choose a different name.
LLC or Sole Proprietorship. Time to protect your assets. It's important to decide which business entity you want to establish. Here is a great link to help you know the differences.
EIN Employee Identification Number. Whether you're setting up a business account, filing taxes, or getting business insurance, companies will ask you for your EIN. This part is super fun because this means you're officially in business!!
Separate Finances. No matter what type of business you are, this is so important! Keep your personal finances separate from your business finances. Let me repeat that. Keep your personal finances separate from your business finances! It's so important to stay organized in a business especially when it comes to finances. Having a separate bank account for business is a great way to keep things separate and therefore organized. You should also have a business credit card, an app or log to keep track of every single business mile you drive, and an organized way to pay yourself consistently.
Sales Tax. This is the number one most-skipped step by photographers. If the IRS catches you, it comes with the biggest penalties. Each states sales tax laws are different making it tricky to know what to do especially when you live close to several other states. For example, some states may allow you to itemize your services so you collect sales tax for the print sales but not for the service of the session. Fines for failure to pay sales tax can be HUGE and photographers are great targets for the state sales tax commission because photographers rarely understand how sales tax works. Every photographer needs to do this step–even if you are just a sole proprietorship. If you aren't sure what to collect sales tax on, just collect sales tax on everything you do. I've never met a sales tax commission who got upset about being overpaid. To pay sales tax, you have to first register with the state. Google your state sales tax commission and there will be directions on how to get a Sales Tax ID and how the process works in your state. It's really not hard. Some states don't have any sales tax but most states charge about 5-6%. So you'll need to update your pricing page with a little asterisk and a note that says "All sales subject to state sales tax." Then when you send a client an invoice, you'll have a sales tax itemization at the bottom making it easy to see how much sales tax you collected and how much you need to pay each quarter or month.
Insurance. Insurance is important for all businesses. I work with newborns and weddings so my insurance is more expensive than if I were to just work with weddings or just work with newborns. Insurance not only protects me but also my clients and my gear. Can you imagine if someone got hurt at a wedding by tripping over your lighting and you didn't have any insurance? It's always best to protect yourself and your clients.
Contracts. Did you know that 99% of law suits would never happen if the photographer and the client had a clear contract? There are so many resources online where you can buy contracts making this part of the process even easier!! I now sell my contracts that have been carefully written through my time as a photographer and reviewed by my lawyer to ensure nothing was left out. You can buy your contract here.
We've been through a lot of information, and I know it seems daunting but trust me, you got this. Once your business is set up with all of the legal details perfectly in place, it's time to shoot some photos!
Sarah Botta is a Northern Virginia based wedding photographer whose work can be described as organic, natural, and timeless. Sarah specializes in capturing people's stories and building connections with each client to help tell their story. Sarah has photographed over 55 weddings across Virginia and Maryland from rustic outdoor ceremonies to elaborate estate mansion receptions. Her natural timeless style shines brightest with outdoor locations. Sarah is available for travel and is passport ready.


"International trauma: Gender and trauma in India" by Kristie Knows-His-Gun, Rodger K. Bufford et al.
Knows-His-Gun, Kristie; Bufford, Rodger K.; Gaige, Tahney; Wade, TaJuana; and Rhoades, George F., "International trauma: Gender and trauma in India" (2012). Faculty Publications - Grad School of Clinical Psychology. 11.


text:
Quadrinarea perezi är en insektsart som beskrevs av Ramos 1989. Quadrinarea perezi ingår i släktet Quadrinarea och familjen hornstritar. Inga underarter finns listade i Catalogue of Life.

Källor

Hornstritar
perezi