If you live and work locally, then typically you'll need either a residential, which could be in Smithfield or around Cairns, or Cairns commercial property that has equity available for the security of the funding. The property can be located pretty much anywhere including Smithfield Cairns. Generally though, if your property is in the city you'll be able to borrow more against it than if it's in a smaller town.
While most of our lending occurs in the large metro areas, we will happily lend in areas such as Smithfield, Cairns as well. However, Loan to Value Ratio's will likely be lower for rural areas than for metro.
Companies with this type of seasonality frequently find themselves short of cash on hand to pay for wages and other working expenses, and so needing a working capital loan throughout their silent period. The loan is usually reimbursed by the time the busy period rolls around and the loan is no longer required.
A working capital loan has the immediate advantage of supplying fast money to pay gaps in the working capital expenditure. As well as being fast, the additional advantage is a working capital Loan is debt financing, and doesn't need an equity transaction. This means the business owner retains complete control of the company even under a dire financing need.
It is common for many kinds of businesses to have varying or unpredictable revenue through the year. For example, manufacturing companies often have cyclical sales cycles which follow the needs of their retailers. By way of instance, a lot of retailers promote a large proportion of merchandise in the fourth quarter over the holiday year, and in order to supply those merchants with sufficient goods that means producers often need to boost their production throughout winter months to make sure there's sufficient stock for the fourth quarter rush. Then at the close of the year retailers have been focussing on selling their inventory down and so lower their purchasing from the manufacturer, thus decreasing the producers sales.
The money available to pay for a company's short-term operational requirements is called working capital. But when a company doesn't have adequate cash available or sufficient liquid assets to cover those daily operational expenses, they might need assistance in financing those expenses. Working capital loans are a form of simple company debt borrowing, designed especially to cover the shortfall on short-term operations.
If you require assistance in financing the everyday operations of your business, then a working capital loan might be what you want. They aren't meant for long-term resources or investments, rather they're used for regular things like accounts payable, wages and so on. If your company is extremely seasonal or has very cyclical sales cycles, then a working capital loan can help during periods of slower business action.
Bridge loans are also known as interim financing, gap financing or swing loans, and exist to help bridge the gap when a company's present financing doesn't meet their short-term demands.
If a company faces a time before permanent financing can be procured, or an present obligation is done, a short-term bridge loan might be required. Funding of the sort offers short-term money flow to enable the company to meet their current obligations. Bridge loans are short-term, of up to one year, and are backed up equity in real estate or other property.
Short-term bridge loans can be approved very quickly, allowing businesses to seal the bargain on significant obligations. By way of example, the loan may cover part of the deposit on a building while the business waits for their current you to settle or for a longer long-term funding arrangement can be made.
Bridge loans are useful when businesses need to cover expenses while awaiting long term funding. Imagine a company that is purchasing a new building, and are searching for a means to settle so they can start refurbishing it before departing from their existing premises. A bridge loan can be used to pay things like lease, the deposit, along with other expenses until the building is prepared.
Bridge loans differ from traditional bank loans from the they generally have a faster application, acceptance and funding procedure. However, this advantage means the loans are often short term and also have higher interest prices. This is normally acceptable because the debtor needs quick, easy access to capital, and they're eager to pay higher rates of interest in the brief term because they plan to pay it off quickly once they arrange longer term, low interest finance.
Small businesses come in a huge selection and often have specific wants, so small business loans have been closely scrutinised on a case-by-case foundation to guarantee everything is suitable and applicable. Below are a few important tips that can help you secure a Small Business Loan to enlarge your business.
It's important to comprehend the small business loan procedure. If you know the overall acceptance process and the key consideration points and have the required documents completed with all the necessary information, you'll be well on the way to getting accepted.
Have you got a back-up plan? It pays to have two repayment programs prepared. That way, if the loan officer has any questions or concerns regarding the viability of your business or your loan repayment capacities, another small business plan indicates the creditor your business acumen and expertise, and allows the loan program to be cleared easily. The secondary plan could include alternative loan repayment schedules, or provide some improved security that wasn't presented in the initial program.
Regardless of the dimensions of your enterprise, you may require additional capital during distinct stages. Small business owners often have limited knowledge of the procedures and details of loan applications, making them struggle. By remembering the above mentioned guidelines and putting appropriate time and consideration into your loan application, you might not just speed up the loan process and funding but potentially even receive a lower price loan.
Everything comes down to preparation: from accessing the loan documents in order, to being certain as you speak about your businesses possible together with the lending officer, every region of the lending process issues. Yes, the lender will perform their due diligence and tests, but the better prepared and introduced your data is, the easier and quicker your loan application process will be.
The most important thing to the creditor is surety your will pay back the loan over the required term. This certainty could be shown through things like the possible profitability of the company, how fluid the business capital isalso a minimum of present debt, a fantastic rate of inventory turnover and a solid customer base. These items help guarantee the creditor and boost the odds of loan acceptance. On the flip side, anything that raises questions about such variables can cause the lender to deny your loan application.
Are you an existing business looking to expand? Perhaps a plumber trying to expand into a new area, or even an accountant looking to start up a new branch in another town - these are a few examples of small businesses that might require capital for business expansion, and have specific loan conditions. A pizzeria may want to start a new shop in a second location; a clothing shop might need additional space to branch out into designer threads, or even a company might want to expand their offerings through e-commerce.
What's the future potential of the company? Have you got an advanced idea or exceptional profits from a previous venture? The lender will look at your past and current details, and variable in the likely potential for a guide towards the future sustainability, all of which will help them be comfortable you will have the ability to repay the loan in a timely manner. Demonstrating these vital details in a clear manner in the loan program will make it simpler. It may be helpful to present a year-by-year projection of sensible revenue and gain numbers to help the creditor to evaluate and approve your loan program.
Throughout the start-up of a business, profitability is the main focus. However, growth and sales are what is needed to generate that first gain. After a company moves beyond the start-up phase, the owner normally begins to concentrate more on growth, and identifying growth opportunities become the next item of importance beyond profitability. For a business, this implies growth in certain form, developing the company, increasing their market and leading toward improved profitability. Growth is measurable through analyzing statistics like overall earnings, number of employees, market share and turnover. Profitability and expansion's interrelationship is shown because expansion is best evaluated by taking a look at the organization's profit and total earnings.
Even where a business's current profitability may be looking great, expansion opportunities should always be investigated. Those opportunities to further grow the firm can offer increased profitability, and helps to keep your organization interesting to potential new investors. A successful expansion strategy requires using a fantastic awareness of the organization's present condition -- if the business has weak areas such as low performance, sales or marketability, it's possible that any attempt at growth could instead make the collapse of the business. Therefore, before looking to grow your company, it is necessary to first secure, consolidate and bolster the company as it now stands before attempting to alter it through growth.
Obviously, profitability is essential to any company's long term survival. Net profit is the revenue after all costs relating to the manufacturing, manufacturing, and sale of those goods (or services) has been deducted. Profit is often known as 'cash in the bank'. It's this profit that is available to be paid out to the organization's owners or shareholders or reinvested back into the corporation. For any company, gain is the primary goal, without which it couldn't survive. If a company doesn't have investors or finance available, profit might be the sole capital accessible. Where capital and other financial resources are inadequate, the failure of the company is fast approaching. No company can survive for any period of time without adequate gain. Assessing your business's profitability both today and later on is a critical part of evaluating your enterprise.
Your businesses' income statement is the key - it reveals not just the profitability, but also the related costs and expenses during the applicable time period (usually a year). The Income Statement is vital in calculating your institution's profitability ratio (the quantity of profit generated in comparison to various different metrics - earnings, assets, debt and so on). Various distinct sustainability ratios could be calculated to assist in assessing your company's financial position over that time period.
Both profitability and growth are significant to if a company is effective and stays in business. Without , it is going to fail to live or stay attractive to the company's shareholders or owners.
Business success requires both profitability and growth. Profit is the central factor in basic financial survival; growth is the crucial element in profit and success over the long run.
A cash flow loan is not considered a traditional bank loan, as people generally involve more comprehensive credit analysis of a business. Instead, when determining the terms of a cash flow loan, the lender considers the organization's cash flow generation ability.
Would you want some additional capital for daily operations on your small business? If so, a cash flow loan might be exactly what you want. This sort of loan can be used to fund working capital in your organization, for example funds for payroll, inventory, rent, etc. The cash flow loan has been paid back with incoming cash flows to the company.
When your employer does not have a lengthy credit history or an established track record of adulthood, a cash flow loan could be suited to your needs. As a result of shorter company history and so the requirement to compensate for a potentially greater repayment risk, a lender will charge a higher interest rate to get a cash flow loan. This is acceptable provided the gain generated from the loan is adequate to cover the interest, and the loan has been repaid as fast as possible.


Ulcers or foot injuries can be a very serious problem for diabetics is important to heal the ulcer as soon as possible.
Nerve damage in diabetes can reduce the pain so that foot ulcers sometimes painless so often overlooked. Over time a foot ulcer or symptoms of disease can seriously damage the foot.
Ulcers are open sores on the skin surface or mucous membranes. Ulcers can be said that extensive tissue death and accompanied by invasive bacteria saprophyte. The existence of saprophyte bacteria caused the ulcer smells, diabetic ulcers is also one of clinical symptoms and course of the disease diabetes mellitus with peripheral neuropathy. Diabetic foot ulcers is a complication associated with morbidity due to diabetes mellitus.
Well, to heal the ulcer quickly? When we walk, every step as hitting the ulcer with a hammer. for it can be helped by using crutches (cructches), a Zimmer or a wheelchair to not burden the ulcer.
Can also be done with shoes and special insoles, plaster (plaster cast) or the supporting tools (braces) that can be removed to reduce the burden padakaki, if it is important for it to run for a while.
Then how to treat your ulcer? Ulcers made debris and necrotic tissue around the ulcer and multiple ulcers developed into a tough skin. If the ulcer is not cleaned by removing all debris and hard skin, ulcers can be isolated and they will not heal quickly.
Can also be done by cleaning the edges of the ulcer until they bleed a little. This provides an ulcer as the initial state. You should not try to do this yourself: it is the duty doctor or podiatrists.
It's good, bandaged ulcers to keep the ulcer clean and warm. In addition to a brief examination of each day to ensure ulcer healing well and is not infected.
- Swelling if the shoe was felt to be tight?
such as bruising or whether the skin will go black?
- Is the ulcer itself has mengalamiberubah color?
there is blood or pus out of the ulcer?
- Have never had a new ulcer or wound blisters?
- Do ulcers ever be pain or discomfort or leg pain?
with your doctor or diabetic foot clinic. If you can not can not do the inspection yourself, ask a relative or friend to help check and bandaged foot ulcers.


The USS Cheyenne docked at Busan port and is not expected to take part in drills.
A US Navy's nuclear-powered attack submarine equipped with Tomahawk cruise missiles made a port call on Tuesday (6 June) in South Korea amid simmering tensions in the region. It is still unclear whether or not it was a scheduled pit stop for the vessel.
The situation in the Korean peninsula has been quite tense over the past few months with the US and its allies constantly increasing their military presence while North Korea is defiantly boosting its weapons programme. There are already two naval strike groups led by supercarriers – the USS Ronald Reagan and USS Carl Vinson – in the region conducting dual-carrier drills near the waters of the Korean peninsula.
According to an unnamed South Korean military official cited by the Yonhap news agency, the port call made by the nuclear-powered USS Cheyenne is to give the crew members rest and refill supplies. It is unlikely to take part in any joint naval exercises with Seoul's forces.
However, the presence of the 6,900-tonne vessel – fitted with Tomahawk cruise missiles which have a strike range of about 3,100kms and Harpoon ship-to-ship missiles with a strike range of about 130kms – is seen as yet another show of strength by Washington.
There are about 130 naval personnel on board the submarine. The Los-Angeles-class attack vessel docked at South Korea's Busan port, located about 450kms south of Seoul. It visited Sasebo in Japan in early May as part of a regional deployment.
The whereabouts of USS Cheyenne came to light only after US President Donald Trump held a telephone call with Philippine President Rodrigo Duterte. Subsequent to the conversation, the existence of two nuclear-powered submarines near North Korea emerged. Until then, only the deployment of USS Michigan was publicly known.


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Overseas Pensions
Living overseas from the UK can now provide you with some excellent financial benefits apart from better weather. Following massive reforms introduced in April 2006 individuals with one or several dormant pensions in the UK now have a choice over where and how their pension is invested and how funds can be withdrawn from this. By transferring to an alternative pension structure such as a SIPP or QROPS, many potential benefits can now be realized.
What Is a Qualified Recognised Overseas Pensions (QROPS)?
QROPS are recognized pension schemes that Her Majesty´s Revenue & Customs (HMRC) deem qualifying, and therefore transfers to QROPS from existing schemes are not charged or taxed, subject to lifetime allowance.
The ability to transfer a pension from the UK to another country was brought into action on 6th April 2006. Under these changes people no longer resident in the UK, but who had UK pensions, were allowed to transfer their pensions across to a QROPS, provided they met certain conditions.
In Order to be recognized as a QROPS the overseas pension scheme must meet some rules set out by HMRC:
Cannot be a UK registered pension scheme
Must be established outside the United Kingdom
Must be regulated as a pension scheme in the country in which it is established
Must be recognised for tax purposes as a pension by the country or territory in which it is established
Main benefits of switching to QROPS includes:
No compulsion to buy an annuity- If you choose a QROPS transfer, you do not have to buy an annuity
Inheritance tax benefit- QROPS are not subject to UK IHT upon the member's death
No income tax charge on death- With a QROPS scheme there is no income tax charge imposed on the payment of a lump sum to the member's dependents on the member's death providing they are not UK resident. Usually, lump sum death benefits for the over 75′s are subject to 55% tax charge in the UK.
No Lifetime Allowance Charge (currently 55% if taken as a lump sum or 25%+ standard income tax rates if taken as income)
Consolidate existing pensions
Taxation benefits- You can choose to take a QROPS to a country that has substantially lower taxes.
Investment choice – QROPS can offer access to an extremely wide choice of investments. This could be particularly useful if the client wants to invest in assets which will more truly reflect the currency and inflation factors relating to where they plan to retire.
30% Tax Free Lump Sum- British citizens can take a lump sum of 25% from their scheme in the UK. Under QROPS this can be set higher at 30%.
Protection from currency fluctuations
Who Qualifies for a QROPS Pension Transfer?
Any citizen between the ages of 18 and 75 may apply for a QROPS Pension Transfer of an existing or 'frozen' UK/EU pension
Any non-expatriate citizen provided that you have a clear intention to become an expatriate within the next 12 month
A QROPS Pension Transfer may also apply to ANYONE who has officially worked in the UK or any EU member country for any length of time
If you have an interest in QROPS we will provide a free and comprehensive pension transfer analysis report. This report is individually tailored to your own personal circumstances. This analysis report examines your current scheme to find out the following items:
i. Current Value
ii. Annuity requirements
iii. Max drawdown
iv. Scheme rules
v. How your pension is invested and its performance
vi. Earliest age you can access your fund
vii. Current Scheme Charges
viii. PCLS (tax free lump sum amount)
ix. Tax implications
x. Treatment upon death
xi. If a DB/Final Salary Scheme, a TVAS can be provided
Taking into account the above points, if a transfer path is deemed applicable and advisable, your QROPS options are then explored in more detail.
Popular QROPS jurisdictions
A QROPS Jurisdiction is the country where a pension fund is located, and therefore the tax laws, and other laws, which would affect the scheme's governance. The QROPS Jurisdiction should be a secure jurisdiction, have strong investor principles similar to the UK and should offer significant improvement in investment and benefit options available. Our experts will advise on the best jurisdiction for you. A jurisdiction such as the Isle of Man, Gibraltar, Malta or Switzerland would be optimal, as they offer tax efficiency and flexibility.
QNUPS
A Qualifying Non-UK Pension Scheme (QNUPS) is an overseas pension scheme in which cash and assets that have tax relief abroad can be contributed. QNUPS regulations were introduced by UK HM Revenue & Customs (HMRC) in 2010 to provide significant opportunities for British Domiciles, irrespective of whether they are resident in the UK or are expatriates. British citizens can now use QNUPS as a financial planning tool, and avoid the restrictions that are applicable to other UK pension plans. In the appropriate circumstances huge Inheritance Tax (IHT) exemptions and savings can be made from this scheme, especially if you are a high net worth individual and are incurring massive amounts of tax on your assets.
QNUPS can offer some great benefits, especially with regards to drawing funds from your wealth in a tax-efficient manner. For individuals who have insufficient capital within their existing pension scheme to provide them with a comfortable level of income in retirement, QNUPS offers an opportunity to top-up on the overall amount of assets that need to be set aside for a comfortable retirement.
The key points of a Qualifying Non-UK Pension Scheme:
Depending on your circumstances, it may be possible to contribute to a QNUPS after you have retired.
The pension fund can be used by the member during his lifetime and any remaining balance can be passed on to their chosen heirs upon the member's death.
To make a contribution to the scheme you need not have any earned income from employment.
There is no maximum contribution that can be made into a QNUPS as there is no tax relief on contributions made.
QNUPS contributions should be appropriate to your circumstances.
The funds held within the QNUPS grow tax-free with the exception of non-reclaimable withholding tax on UK dividends or rental income arising from UK property.
What are the advantages offered by a QNUPS?
QNUPS protect you and your heirs from IHT (Inheritance Tax). Otherwise you are liable to pay up to 40% tax on the assets you hold and this needs to be borne by your heirs after your death
Tax efficient pension planning for wealthy individuals
QNUPS generally grow free of Capital Gains Tax and other taxes
QNUPS is not subject to UK Pension Sharing Orders on Divorce
Much more tax efficient than owning assets personally
In order to access funds held within your QNUPS, if you are above 55 you are eligible to withdraw up to 30% of the overall value of your QNUPS as a non-taxable lump sum. Before age 55 you can withdraw this cash also usually tax-free as a loan.
On your death, the funds pass on to your heirs/beneficiaries and no inheritance tax is incurred. Also your heirs will be able to access their inheritance immediately instead of having to wait for the seven year qualification period to run out as is the case with other inheritance schemes.
Qualifying non-UK pension schemes (QNUPS) were created by the Inheritance Tax Regulations 2010, which came into force on 15 February 2010. However, it is only since the introduction of annual and lifetime allowances on pension contributions, which effectively limit the amount individuals can contribute to their pensions tax-free, that QNUPS have become an attractive form of 'top-up' retirement savings plan.
Currently, the maximum amount payable into a UK personal pension scheme on which tax relief is available is £50,000 annually, or a lifetime allowance of £1.5m. These allowances will be cut further after April 2014 to £40,000 and £1.25m respectively. While contributions to a UK scheme paid in excess of these allowances are unlimited, there is a tax charge on them, making additional contributions unattractive.
Therefore, high net worth UK resident individuals who have already used their annual and lifetime allowances, but wish to save more for their retirement, might consider a QNUPS. QNUPS are also ideal retirement savings vehicles for expatriates planning for their retirement, who may wish to return to the UK in future.
Annual allowance
Annual and lifetime allowances do not apply to a QNUPS. Therefore, subject to contributions being deemed appropriate to the person's circumstances, there is no limit on the amount an individual can add to their QNUPS to fund their retirement. This is because there is no tax relief on the contributions going into a QNUPS.
Another advantage of a QNUPS is that contributions do not have to come from employment relevant income. Contributions must be proportional to the individual's overall net worth (i.e. not more than 50%).
However, this means that independently wealthy individuals, whose income is not necessarily derived as a direct result of employment, can also shelter funds for their retirement by using a QNUPS.
A wide class of assets can be held by a QNUPS. This includes cash, quoted and unquoted securities, private equity, commercial property and residential property, although not your main residence. It is important to note, however, that a transfer of UK property into a QNUPS would be a 'deemed' disposal for capital gains tax purposes, which may trigger a tax liability at current rates.
One of the main advantages of a QNUPS is that the value of the fund does not form part of an individual's estate on death and so is not subject to UK inheritance tax.
Let us say, for example, an individual identifies that, in addition to their UK pension, they will need to set aside an extra £2m to fund their desired lifestyle in retirement. If assets were simply held and invested in their 'own name' then, on death, (at 2013 rates) as much as 40% above their tax threshold (£325,000 per spouse) would be liable to inheritance tax.
If, however, this sum had been invested through a QNUPS, the fund would be outside the estate for the purposes of calculating inheritance tax and the person's family would receive the benefit of this.
Therefore, by saving for their retirement through a QNUPS, wealthy individuals can provide for their own future, while protecting assets for the longer-term benefit of the family.
Capital gains and income tax
During the lifetime of the QNUPS, any growth in the fund is free of capital gains tax and there would be no UK income tax on non-UK source income. As regards administration, a QNUPS does not require registration with HMRC.
Also, because the transfer in is out of post-tax earnings, or from personal capital, there are no reporting requirements. Provided the QNUPS is administered in a recognised overseas jurisdiction, such as Guernsey, it will be considered a qualifying pension and classed as a recognised overseas pension by HMRC.
When it comes to extracting funds from the QNUPS on retirement, currently individuals can receive an income from their QNUPS at any time between the ages of 55 and 75.
At this point, at least 70% of the pension fund must be used to provide a retirement income for life. However, up to 30% of the fund value of the QNUPS can be taken as a tax free lump sum and there is no requirement to purchase an annuity.
Another advantage of a QNUPS is that income is paid out gross. The accounting treatment will depend on where the member is resident, so if they are non-resident then UK income tax will not be payable. Even if they are UK resident, under current rules, any income would attract a foreign pension allowance of 10%. This means that only 90% of the income would be taxed.
While it is important any contributions made to a QNUPS are proportionate, taking into account both overall wealth and other existing pension rights, they are a highly flexible and tax efficient structure that can be used to supplement existing pension arrangements.
Wealthy UK residents and expats alike can, therefore, continue to make sufficient provision for their retirement through a QNUPS, while protecting the fund for the long-term benefit of their family.
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redpajama_set_name: RedPajamaCommonCrawl


Looking to get away this weekend? Away from the city and its hectic demands. Fresh air and some country living? This is a throw back to Nanyuki, while on our way to Samburu National Park some years ago.
But in case you have no such plans, we could attempt to bake this orange chiffon cake. I used to skip this recipe in my Betty Crocker cook book, but after I stole got a bundt tin from my mum's, I figured I should give it a try.
I loved it. The combined light orange cake and chocolate icing reminded me Supa Snack. Even if you did not like Supa Snack, the combination of orange and chocolate is unbeatable!
What makes chiffon cakes really light is Whisking Egg Whites. The trapped air gives the cake a great yet delicate rise.
There are two flavour choices: orange from freshly squeezed oranges and orange rind or lemon which simply needs water and lemon rind.
Bake in an ungreased bundt tin/tube tin/angel food tin.
Once out of the oven immediately turn pan upside down onto a glass bottle or bowl and let it hang until completely cools (about an hour and a half).
Note to self: One day I will invest in one that has a detachable bottom.
Spread chocolate icing on and serve.
Heat your oven to 165ºC/325ºF.
Into a large bowl using a fork, mix 2 cups flour, 1 cup sugar, 3 teaspoons baking powder and 1 teaspoon salt.
Make a well in the centre of the bowl with the dry ingredients, and pour in the 3/4 cup orange juice, 1/2 cup oil, 1 Tablespoon grated orange peel and 7 egg yolks. Beat with electric mixer on low until smooth.
Using a rubber spatula, scoop the whisked egg whites and fold quickly yet gently into the cake batter until just blended. You don't want to lose the volume of the stiff egg whites by overmixing.
Pour into an ungreased bundt tin or tube tin or angel food tin.
Bake for about 50 minutes to an hour or until an inserted knife comes out clean.
Immediately turn pan upside down onto a glass bottle or bowl and let it hang until completely cool (about an hour and a half). Loosen side of cake and remove.


Liposuction surgery for a better body is only half the battle won. The real uphill takes is maintaining your newly minted body. Liposuction helps you get rid of the stubborn fat that has been unresponsive to exercise and diets. Now that you have successfully rid yourself of the fat, you need to ensure that it never returns. While you can go back to your exercise regime within a few weeks post-surgery, what you eat is what you need to pay attention to. Most people believe that fat once gone won't be back. While it's true that you have rid yourself of unwanted fat, you need to bear in mind that you cannot let your health slide or for that matter the shape of your body. So here are a few health tips that will help you retain the lovely shape Liposuction Surgery has given you.
Before we venture into what to eat, let's run you through what food to avoid. Starting with fats, sugary treats and salted snacks, you must avoid packaged food for quite some times. Junk food is also strictly forbidden. Aerated drinks along with alcohol and nicotine must be avoided at all costs.
Carbohydrates help your body gain strength and aids in a quick recovery. They avert muscle breakage and help your body rejuvenated from within. Whole grains, brown rice, oatmeal and cereals etc. are good sources of healthy carbs.
Consume fiber rich food like grains, beans, fruits, vegetables and cereals. These help with digestion and reduce constipation which is quite common after surgery and medications.
Consuming protein is important post-surgery as it improves the tissue structure and helps in healing as well as recovery. Lean proteins that you can consume post-surgery are seafood, soy products, lean meat and poultry, eggs and low fat dairy products.
Vitamins along with good diet are essential to quick recovery and gaining strength. Vitamins A, C, D, E and K contribute in wound healing.Fish, liver and green vegetables contain vitamin K, while nuts, milk, eggs and vegetable oils contain Vitamin E. Vitamin D rich is present in milk, fish, eggs and cereals. Make these food items a part of your daily meals for quick recovery.
Just cause you got rid of fats doesn't mean all fats are bad. A healthy amount of good fats is essential to your overall well-being. Sources of good fats are olive oil, fruits like avocado and nuts and seeds.
Fruits and vegetables should be a part of your diet irrespective of whether you are undergoing a surgery or not. But during recovery post liposuction, these food sources are absolutely essential for the body to mend and get back the strength after surgery. Post-surgery includes green leafy vegetables, tomatoes, melons, grapefruits, mango, spinach and kale in your daily diet.
Consuming a good amount of water is essential for fast recovery. You need to keep yourself hydrated and ensure that your body functions well enough. Water helps you lose weight, keeps your kidney healthy and improves your skin as well.


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The Long Evolution of Turtle Rock's Evolve
Ryan Smith | 18 Dec 2014 08:00
Interviews - RSS 2.0
Evolve has gone light years beyond the four guys with guns model. It now claims four different Hunter classes: assault, support, medic, and tracker and 15 different characters, each with its own grab bag of weapons and tools. That's a lot of variety, but even so, the three monsters proved more difficult to design. That's especially true after the design team opted to change the players' perspective from first to third-person while inhabiting the beasts. Why keep the Hunters first-person and switch the monsters to a third-person perspective? Size matters. It was easy for a squad of smaller hunters to surround the hulking monster and take it down because of a lack of awareness on the player's part.
"When you're in first person, you have this tunnel vision of only seeing what's ahead of you. So if you got harpooned in the back, for example, you couldn't see that because you're looking this way because of a limited perspective," said Ashton. "But the problem is, we'd never built a third-person game at all and never had to deal with third-person cameras or animation systems or anything like that. There were some nice side effects to that. One is that you spend all of this time on this crazy cool monster, but if you're in first-person, the only thing you get to see are the little bits of hands in front of you. Being able to be third person and see the monster from the outside was something people were excited about."
A new design challenge rose up with the basic design of the Hunt mode, in which the humans chase down the monster by following Daisy -- Evolve's alien equivalent of a bloodhound -- who can sniff out the beast's scent. The typical game of Hunt played out like an extended chase, with a short battle at the end that determined who won and who lost. The developers played with different ways to facilitate multiple battles per match, until finally finding a worthy solution with the Mobile Arena. It's a tool that comes standard with the Trapper class that allows you to contain the monster in a small area for one minute. If no one wins that battle, the mobile arena goes down and the monster takes off. The chase then begins anew.
With all of the focus on the core experience, there's some concern that Evolve doesn't allow much room for extra content. Like Titanfall, a shooter that also put nearly all of it's focus on a few sparse multiplayer modes, some gamers may have a feeling that Evolve is an appetizer of a game instead of a main course.
Turtle Rock Studios is aware of that perception, which is why it has tried to emphasize Evacuation Mode -- a solo and multiplayer campaign of five interconnected matches.
"It's very much a concern," said Ashton. "We felt like the way for us to tackle that was to go into the procedural side of things so that we could create this new experience every time."
Evacuation is like Battlefield's sprawling Rush multiplayer mode combined with Left for Dead's campaigns, where each previous match affects the next. If a monster wins Day 1, he might have the assistance of electric eels that shock Hunters in Day 2. If the Hunters win, they could benefit from extra turrets that automatically shoot the monster. Turtle Rock claims there are over 800,000 variations of Evacuation matches.
"I've played Evacuation mode a hundred times and every time it's been different and every time I see different crazy things," said Ashton.
Lack of breadth of content or not, Ashton is confident that Evolve's ready to leave a legacy on multiplayer gaming.
"I hope that we're doing it in a way that people will always remember. In the future I think anytime anyone talks about asymmetrical multiplayer games, I hope that Evolve is in that conversation, in the same way that when people talk about co-op games, Left 4 Dead is always in that conversation."
Disclosure(s): Strauss Zelnick, Chief Executive Officer and Chairman of the Board of Directors of Take-Two Interactive Software, Inc., is the head of ZelnickMedia, an investor in both Take-Two and Defy Media, LLC, our parent company. This article was published without approval or consent of ZelnickMedia or Take-Two.
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Gabriel-Glas
Jancis Robinson Collection
Cellarhand Newsletter
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2019 Onannon Shiraz
Onannon
Australia / Mornington Peninsula / Onannon
All old barrels. 20% whole bunches, of which 2% is Viognier. The white grape is about 5% of the blend, which lends a beautiful vibrance to the colour. Elegant, transparent, some spice. Immediacy to its impeccable fruit; very pretty tannins. Nice mouth perfume. Stone fruit feel. Cherry stone tang to the finish. - Ed Merrison, CellarHand
Gary Walsh
92 points.
It's very purple, to taste and to view. Cherry, spice, grilled meat and perfume. It's sort of like a bigger Shiraz-based Beaujolais in intent, I'd say, and fits the bill in that respect very well. A bit savoury, a bit berry stonefruit juicy, light chalky tannin, peppery and fragrant on a crisp and pleasantly meaty/herbal/pulpy fruit finish. Tasty. Nicely done.
Standard Bottle Out of Stock
About Onannon
Onannon is three people with one goal. The people are Sam Middleton, Kaspar Hermann and Will Byron, each of whom contributed the last letters of their surname to make Onannon. A friendship forged in winemaking studies was cemented in Pinot Noir and Chardonnay, with each of them serving stints at Coldstream Hills in the Yarra Valley in the noughties. Sam and Kaspar are still based in the Yarra, making wine at Mount Mary, while Will works at a winery on the Mornington Peninsula. Their goal at Onannon is to craft wines that speak a little of themselves and a lot of their place. Since starting out in 2008, their focus has been Pinot Noir and the regions of Gippsland and Mornington Peninsula, though in 2012 they added a first Gippsland Chardonnay. This tight band of brothers has garnered a devoted following with bright, expressive wines made in minuscule quantities. They have a great future ahead of them.
"You would have to go a long way to find three more open-hearted and utterly committed winemakers; the world is their oyster, their ambitions unlimited." James Halliday
Kaspar Hermann started his wine career at Seville Estate in the Yarra Valley in 2004. Eager to experience something different, he travelled to Italy and worked at Viticoltori De Conciliis in Campania, southern Italy in 2005 before returning that same year to work at Coldstream Hills. Kaspar then landed the assistant winemaker role at Punch (formerly Diamond Valley), where he stayed until his move to Mount Mary in 2011. During these years Kaspar honed his craft on some of the country's most exalted Pinot Noir and Chardonnay wines while completing a Bachelor of Wine Science at Charles Sturt University.
Sam Middleton, meanwhile, grew up at Mount Mary, the family vineyard and winery, and has thus been involved in grape growing and winemaking since he was old enough to walk. To gain broader knowledge of the Yarra Valley, he worked vintage at Coldstream Hills in 2006 and 2007. He then took on an assistant winemaker role at nearby Dominque Portet, working with Dominque and son Ben for two seasons. He ultimately returned to Mount Mary in 2009 by way of a sojourn in Gevrey-Chambertin for the 2009 harvest. Sam now oversees the winemaking and viticulture at Mount Mary with Kaspar.
Will Byron worked his first vintage at Coldstream Hills in Victoria's Yarra Valley in 2003. He returned to the celebrated Pinot Noir and Chardonnay producer a year later, taking up a full-time position that he held until 2008. Will then clocked up 12 vintages in five years, working at Maude Wines (Central Otago), Stonier Wines (Mornington Peninsula), Domaine David Duband (Burgundy), Brokenwood Wines (Hunter Valley/Beechworth), Thomas Wines (Hunter Valley) and Domaine Blain-Gagnard (Burgundy), where he has worked every harvest since 2009.
ABOUT CELLARHAND
CellarHand is a Melbourne-based fine-wine importer and wholesale distributor, with a portfolio featuring some of the most sought-after estates of Germany, Austria, France and Italy, as well some of the greatest producers from Australia and New Zealand.
Suite 2 / 3 Bromham Place
Richmond VIC 3121
Ph +03 9274 8444
Fx +03 9421 6419
sales@cellarhand.com.au
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[15:02] - Flight WJA2773 is ready to depart TTPP with a final destination of CYYZ.
[21:03] - Landed at -196fpm. With 3821kgs of fuel onboard and a pitch angle of 4deg.
[21:11] - Arrived safely at CYYZ. We hope you enjoyed your flight!


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What Does The Future Look Like For Edinson Cavani?
Edinson Cavani is officially going to leave Paris Saint-Germain this summer. The club's sporting director has confirmed Cavani's exit. Cavani's contract is set to expire later this month. However, Cavani is to remain with the club until PSG's Champions League run is finished. The Champions League is rumored to resume and finish in August. Cavani's…
Manchester United: Paul Pogba Staying At Old Trafford?
Before the 2019-20 season began, Paul Pogba was heavily linked with a potential transfer. However, Manchester United was unable to reach an agreement with any other club with the interest of signing the midfielder. Soon after, the transfer rumors and reports disappeared, and the season came to an abrupt halt due to the Covid-19 pandemic….
MLB: How Difficult Is It To Deal With The Delay Of Opening Day?
The 2020 MLB season was to have begun this past weekend. Unfortunately, it's not happening. No Opening Day. The season is postponed indefinitely. Upon the announcing of the decision, the rest of Spring Training was terminated. In addition, for the time being, Opening Day is pushed back to mid-May, however, there are no guarantees. Furthermore,…
The Postponing Of Euro 2020
Euro 2020 will not be happening this summer. Due to the coronavirus outbreak, UEFA has made a decision that the tournament will instead take place from June 11th to July 11th of next year. In addition, the 2020 Copa America tournament is also to be postponed until 2021. The delays of these tournaments bring up…
Manchester United: Can Paul Pogba Salvage His 2019-2020 Season?
It's been truly a brutal and questionable season for Paul Pogba. From the nagging injuries to the constant rumors of his departure from Manchester United. At this point, Pogba's future is in the air as anything can happen. All the rumors regarding a move to Juventus or Real Madrid have been nothing but empty promises…
Champions League: Can Paris Saint-Germain Survive The Quarter-finals?
Paris Saint-Germain is advancing to the Champions League quarterfinals for the first time since the 2015-2016 tournament. This is the sixth time in the club's history that they've reached the final eight. That's the most of any French club. Now PSG is looking to advance to the semi-finals for the first time since the 1994-1995…
Champions League: Where Does Liverpool Go From Here?
Liverpool is out of the Champions League. For the first time since 2006, Liverpool suffers an elimination in the Round of 16. Ironically, Liverpool were also the defending champions at the time. Liverpool is the second consecutive team to lose the Round of 16 as the defending champions as Real Madrid did so last year….
Are Liverpool and Paris Saint-Germain Under Pressure?
Coming up short in their first leg of the 2019-20 UEFA Champions League Round of 16 is not good for both Liverpool and Paris Saint-Germain. Both clubs have the potential to be considered serious contenders for the title. They both have what it takes to win it all. In addition, Liverpool are the defending champions…
What Now For Manchester City?
Manchester City is officially banned from competing in the UEFA Champions League for two years. The club has been found guilty of breaching the Financial Fair Play rules. Manchester City is also barred from the Europa League, as well. The punishment also includes a fine of €30 million. The club is appealing the suspension. However,…
Europa League: Can Manchester United Get Past Round of 32?
Manchester United is taking on Club Brugge in the Europa League's Round of 32. Due to not participating in this year's UEFA Champions League tournament, Man U is looking to win the Europa League title. The club wants to bring home a title. They haven't won a title since the 2016-17 season. The club is…


Possessing a significant couch or sofa is not complete without a dazzling 2 drawer chest. Futon or couch cabinet is just a tiny cabinet that placed behind or with the couch or sofa. The size and shapes of this also be available in many varieties. In the event you might have a really huge settee with a high back, you can pick a very significant console. For those who are in possession of a little sofa using a small back, you can choose a little console. This antique coffers is not just utilized as a decoration for your living room. Additionally, it becomes an area to place tiny things like car keys, house keys, lamp, or flowers.
Need a cabinet to your garden or with the swimming pool? Even the dazzling 2 drawer chest may likewise be placed to the surface the home while the outdoor table. What when it breaks in case it puts out? No problems! This vintage sideboard will come in a tiny dimensions along having a solid leg to directly support the very top. So, it will not break easily. Regrettably, there is 1 disadvantage should you prefer to glass on the exterior. When it placed outside, decide to try to color it using some kind of shader in order that it will not come to be hot once you touch it. The shader will even stop the glass to eventually become cluttered and faded.
The other furnishings to modernize your properties with the transformable furnishings is your dazzling 2 drawer chest. This kind of cabinet firstly introduced into 2017 by which a restaurant utilised this particular furniture to let the customers order their food items on where they are sitting. Currently, as technology keeps improving, lots of significant restaurants have started to utilize this antique mahogany sideboard. The reason is that this cabinet provides the clients as well as the staff at the restaurant a benefit. The power is, needless to say, making the order easier and never have to predict the walk or staff to the order counter. Wonderful, correct?


PaperKiller is a visual tool optimized for hypertext authoring. With it you can create manuals, e-books, hypertext documents, online help for your software or even a personal CDROM, quickly and with ease. You can edit pages with fonts, styles, tables and pictures just like a word-processor, and place links and image hot-spots easily.


text:
describe :validate_confirmation_of do
  let(:validator_name) { :confirmation }
  let(:default_options) { true }

  it_behaves_like 'a validation matcher' do
    with_option(:message, 'must match!', 'invalid')
    with_option(:on, :create, :update)

    with_conditional_option(:if)
    with_conditional_option(:unless)
  end
end

redpajama_set_name: RedPajamaGithub


We launched our Penobscot 14 after Just under two years build time. All plywood is Hoop Pine. The stem, stringers, transom, and thwarts are all Tasmanian Blackwood, with the rest a mix of other Australian hardwoods.
Launched in Canberra and it rows like a dream.


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Triple bottom line
Economic problems
The modern portfolio theory
The term 'portfolio' is usually applied to combinations of securities, but the principles underlying security portfolio formation can be applied to combinations of any type of assets, including investment projects. Most firms diffuse their efforts across a range of products, market segments and customers in order to spread more thinly the risks of declining trade and profitability. If a firm can reduce its reliance on particular products or markets, then it can withstand more comfortably the impact of a major reverse in any single market. Diversification can generate some major strategic advantage, for example, the wider spread of activities, the greater the potential access to high performing market sectors.
The modern portfolio theory was developed by Harry Markowitz, presenting it in 1952 in an article entitled 'Portfolio Selection'. Markowitz was the first to show the important benefits from diversification that arise from combining individual securities into portfolios and to demonstrate that the portfolio decision problem of an investor is equivalent to the maximisation of his or her expected utility. Modern Portfolio Theory explores how risk averse investors construct portfolio in order to optimise market risks against the expected return. The theory suggested that we could reduce the standard deviation of returns on asset portfolio by choosing assets, which do not move together.
Allocating funds to a single security can be an extremely risky investment. The primary reason for investing in portfolios is diversification, that is, the allocation of funds to a variety of securities in order to reduce risk. As the number of securities held in the portfolio increases, the overall variability of the portfolio's return, measured by its standard deviation, diminishes very sharply for small portfolios, but falls more gradually for larger combinations. This decline in risk is achieved because the exposure to the risk of volatile securities can be offset by the inclusion of low-risk securities or even high-risk ones, so long as their returns are not closely correlated. The key point here is that not all the risk of individual securities is relevant for assessing the risk of a portfolio of risky shares. The total risk of a portfolio is composed of two components:
1. Specific risk. The variability of a security's rate of return due to factors unique to the individual firm.
2. Systematic risk. The variability of a security's rate of return due to dependence on factors which influence the return on all securities.
Specific risk refers to the expected impact on sales and earnings of largely random events like industrial relations problems, equipment failure, R achievements. In a portfolio of shares , such factors tend to cancel out as the number of component securities increases. Systematic risk refers to the impact of movements in the macro-economy, such as fiscal changes, swings in exchange rates and interest rate movements, all of which cause reactions in security markets, captured in the movement of an index reflecting securities prices in general. No firm is entirely isolated from these factors, and even portfolio diversification cannot provide total protection against this form of risk. For this reason, it is often called market risk.
Reduction in the total risk of a portfolio is achieved by gradual elimination of the risks unique to individual companies, leaving an irreducible, undiversifiable, risk floor.
Substantial reduction in specific risk can be achieved with quite small portfolios, and the main scope for risk reduction is achieved with a portfolio of around thirty securities. To eliminate unique risk totally would involve holding a vast portfolio comprising all the securities traded in the market. This is called market portfolio and has a pivotal role in the CAPM, but for the individual investor it is neither practicable nor cost-effective, in view of the likely scale of the dealing fees required to construct and manage it. Since relatively small portfolios can capture the lion's share of diversification benefits, it is only a minor simplification to use a well-diversified portfolio as a proxy for the overall market such as one of the well-known market indices
1. It is clear that risk-verse investors should diversify
2. Investors should not expect rewards for bearing specific risk
3. Securities have varying degree of systematic risk
The rate of return of a portfolio can be described by a probabilty distribution. The assumption is that such a probability distribution can only be characterized by its expected return and the variances of rates of return. The rate of return on a two-security portfolio is a weighted average of the rates of return on the two individual securities in the portfolio, where the weight associated to a security is the proportion of portfolio funds invested in the security.
The expected return on a portfolio E(R) comprising 2 assets a and b, whose individual expected returns are E(Ra) and E(Rb) and a and 1- a are respective weightings.
The riskiness of the portfolio expresses the extent to which the actual return may deviate from the expected return. This may be expressed in terms of the variance of the return s2 or in terms of its standard deviation s.
Portfolio analysis deals with the calculation of the efficient frontier. The outputs will be an efficient frontier; a set of portfolios with expected return greater than any other with the same or lesser risk, and lesser risk than any other with the same or greater return.
Portfolios lying along the efficient frontier dominate all other risk/return combinations lying to the right or below the efficient frontier. They are clearly better than any in the interior of the shaded area.
The individual securities can be combined into portfolios. All the possible combinations represent the set of available investment opportunities. Among these opportunities we prefer the portfolios with the higher expected returns and lower standard deviations. Once the efficient frontier is identified, the investor's risk/return preferences are taken into consideration The final choice of an individual investor is dependent upon the following two factors: (a) his/her preferences regarding a particular risk/return combination; and (b) relevant investment opportunities on the efficient frontier. A combination of these two factors gives the investor's optimal portfolio, i.e., the efficient portfolio that maximazes his/her expected utility with reference to the risk/return trade off.
Investors will prefer one of the portfolios on the efficient frontier and their selection depends upon personal preferences for a low portfolio expected return versus a larger and more risky portfolio expected return.
However we cannot specify an optimal portfolio, except for an outright risk-minimizer, who would select portfolio D or the maximizer of expected return who would settle at poit A. A risk averse investor might select any portfolio along AD, depending on his degree of risk aversion, i.e, what additional return he would require to compensate for a specified increase in risk. So, the most desirable combination of risky assets depends on the decision -maker's attitude towards risk. If we know the extent of his or her risk-aversion that is, how large a premium he/she requires for a given increase in risk, we could specify the best portfolio.
The portflolio combination model, although having limited operational usefulness for many investment projects, provides the infrastructure of a more sophisticate d approach to investment decision-making under risk, The capital asset pricing model (CAPM). This is based on an examination of the risk-return characteristics and resulting portfolio opportunities of securitires. The CAPM explains how individual securities are valued, or priced, in efficient capital markets. Essentially, this involves discounting the future expected returns from holding a security at a rate which adequately reflects the degree of risk incurred in holding that security. A major contribution of the CAPM is the determination of the premium for risk demanded by the market from different securities. This provides a clue as to the appropriate discount rate to apply when evaluating risky projects.
The second part of optimization involves the risk-free asset.. Because the portfolio expected return is the weighted average of its component expected returns, whereas its standard deviation is less than the weighted average of the component standard deviation, portfolio is less than perfectly correlated assets always offer better risk-return opportunities than the individual securities on their own. The lower the correlation between the assets, the greater the gain in efficiency.
In the case of two risky assets, the solution for the weights of the optimal risky portfolio can be shown as follows
CAL is the capital allocation line. It depicts all the risk-return combinations of risky and risk-free assets available to investors. The slope of the CAL equals the increase in the expected return of the chosen portfolio per unit of additional standard deviation.
The CAL that is supported by the optimal portfolio P, is tangent to the efficient frontier. This CAL dominates all alternative feasible lines
Now I am going to discuss relevant risk measures for portfolios and models regarding the way capital assets are priced in relation to their risks. was originally erected by Sharpe (1964) to explain how the capital market sets prices. If the market, that vast impersonal mass of investors, sets a value on a security which implies a particular discount rate, it is reasonable to conclude that any further activity of similar risk to existing ones should offer at least the same rate. This argument depends critically on the market prices being unbiased indicators of the intrinsic value of firms, thus resting heavily on the validity of the Efficient Market Hypothesis. The CAPM postulates that when the capital market is in equilibrium, i. e. all securities are correctly priced, the relationship between risk and return is given by an expression known as the security market line (SML). In a competitive market, the expected risk premium varies in direct proportion to beta. The equation of the SML states that the required return on shares is made up of two components: the return on a risk-free asset, plus a market risk premium, which varies according to the Beta of the share in question. The CAPM formula consists of three elements: the risk-free rate, the risk premium on the market portfolio and the Beta coefficient.
E(Ri) = the expected return on security or portfolio i.
Rf = the return on the riskless security.
E(Rm) = the expected return on the market portfolio.
Bi = the beta coefficient of a security or portfolio i.
The CAPM indicates that an investor can obtain above the riskless return only by taking on additional risk. The Beta coefficient for security I can be expressed as
Bi = Qim/Q2 m the CAPM indicates that a portfolio's return is
directly determined by a single risk factor, beta.
Where Qim = the covariance between the rate of return on the market portfolio and the rate of return on security I, Q2m = variance of rate of return on portfolio m.
If Beta is 1, then the required return is simply the average return for all securities, i.e. the return on the market portfolio. The higher the Beta, the higher the risk premium and the total return required. A relatively high beta does not guarantee a relatively high return. The actual return depends partly on the behaviour of the market, which acts as a proxy for general economic factors.. Similarly, expected returns for the individual security hinge on the expected return for the market.
By acquiring investments that are not subject to the same influences on market value, a Mr. can reduce covariance
within the portfolio and increase the safety of the trust capital. This is the principal benefit flowing from diversification of the
portfolio. It is the central pillar of modern portfolio theory.
The cornerstone of Modem Portfolio Theory, developed by Harry Markowitz, is the efficient frontier consisting of portfolios
with a maximum level of expected return, given some investor-selected level of risk. In his landmark Joumal of Finance paper,
"Portfolio Selection," published in 1952, Markowitz legitimized the concept of risk diversification. He demonstrated that the
riskiness of a portfolio depends on the covariance of its holdings, not on the average riskiness of the separate investments.
Aggregate portfolio risk for all potential portfolios is determined by the sum of the covariances of its holdings. For a given level
of risk, only the portfolio with the maximum level of expected return belongs on the efficient frontier. Importantly, such a
portfolio could be determined through a new construct he developed, called portfolio optimization.
Pike, R. and Neale, B.,1996. Corporate Finance and investment. Decisions and Strategies. Second edition. Prentice Hall Europe. HG5436 P4
Diacogiannis, G., 1994. Financial Management. A modelling approach using spreadsheets. McGraw-Hill Book Company.
c. Portfolio analisys ; rateof return, efficient frontier
In the case of PLC, there are two important messages. First, it is not enough just to spread your activites. Different activities are subject to different types of risk, which are not always closely related. The factors affecting the profitability of packaging operations, such as…….. If changes in these influences are random and relatively uncorrelated, diversification may significantly reduce the variability of company earnings. Second, to generate an appreciable impact on overall returns, diversification must usually be substantial in relation to the whole enterprise. These are the key
Raise Or Lower Tuition
Business Valuation Operations Decision
The modern portfolio theory. (2018, Jun 13). Retrieved from https://graduateway.com/the-modern-portfolio-theory/
Modern Portfolio Theory and Arbitrage Pricing Theory
The Comparison of Behavior Theory, Contingency Theory and Transformational Theory
Employee Portfolio: Motivational Action Plan
How to Write a Portfolio
To The Portfolio Assessment Readers
Self-Reflection Portfolio
HMC Portfolio Case Sample
Portfolio: the Tudors and Students
Portfolio Piece Research Paper


A year after the launch of the Motor Finance Specialist apprenticeship and as part of National Apprenticeship Week 2019 - Toyota Financial Services explain why they started employing motor finance apprentices and the business benefits this has brought to their business.
Toyota Financial Services has helped hundreds of thousands of Toyota and Lexus customers drive the vehicle of their dreams. Its team of 240 people at offices near Epsom and across the UK have, over the decades, established strong relationships with customers and dealers, inspiring its staff to strive for quality, convenience, and consistency.
The responses below have been provided by Karen Harris, Training and Development Specialist at Toyota Financial Services.
Why did Toyota Financial Services start employing Motor Finance Specialist apprentices?
We were looking to invest in developing our next generation of Motor Finance Specialists, working across our Operations Division. Apprenticeships would enable TFS to attract new people to the organisation, develop their relevent skills and knowledge to support the UK Operations departments succession and development plans.
What benefits has the apprenticeship brought to your business?
Our apprentices have given us the flexibility to place them in operational departments where they can asist with a wide variety of tasks. They have an ability to learn new skills quickly and have a positive can do attitude, which really brings a breath of fresh air into the work place. They have also allowed their business mentors to gain experience which adds to their management development.
How does your apprenticeship programme work and what training is provided?
Our apprenticeship is an 18 month programme starting with a one month induction into the business followed by 4 x 4 month rotational placements within Operations. There are 3 rotation placements within New Business, Customer Experience and Operations Support. The 4th placement, during months 14 – 17 will be within an area most suited to our mutual needs and our apprentices will also complete their End Point Assessment.
As well as the on the job training the apprentces are given one day per week to work on their course work. They will be invited to a number of TFS training courses throughout their apprenticeship.
Are apprenticeships part of wider recruitment/careers/training activity?
We feel Apprenticeships will give us the opportunity to strengthen and diversify our workforce and provide a pipeline tailored to the business. Most of the training is on the job, learning role specific skills. With the expansion of higher and degree apprenticeships we are able to access the higher level technical skills vital to our business performance and growth.
Are you looking to employ more motor finance specialist apprentices in future?
We have a number of apprenticeships running within our business at this time and are continually looking at how and where apprentices would fit into our business. We will review future employment of motor finance specialists in line with the business requirements.


Although Colombia is a democracy where religious freedom is enshrined in law, large areas of the country are still controlled by criminal organisations, drug cartels and paramilitary groups, even after the peace deal with the FARC. Christians are seen as a threat to these groups, as they represent an alternative way to behave in society. Church services are monitored and Christians who speak out against these groups are targeted. In indigenous communities, conversion from traditional beliefs is not tolerated and Christians are excluded from basic social services or even expelled from their communities.


A sense of place, defined by a stylish, contemporary elegance.
Design that inspires in a quietly powerful way.
The JW Marriott Houston Downtown reinvents the spaces within an iconic landmark to create a locally inspired setting, one that allows guests to immerse themselves in culturally genuine experiences. In tribute to the area's artistic ingenuity, the work of local artists is integrated throughout the hotel. In addition, distinctive period detail intertwines with avant-garde design elements to create a dynamic fusion of past and present.
The work of local artists is integrated throughout the hotel. In addition, distinctive period detail intertwines with avant-garde design elements to create a dynamic fusion of past and present.


Japan's central government is encouraging municipalities across the country to consider mergers to save money.
The government wants cities, towns and villages to merge into larger entities, and they are requiring the mergers be completed by April next year, a deadline that most merger partners are finding difficult to meet.
The current five municipalities on Miyako and surrounding islands are currently scheduled to merge into one, for example, but Shimoji Town assembly has yet to agree.
The central government is using the stick-and-carrot motivation, threatening to withdraw all subsidies from those municipalities that refuse to merge according to the plans. That would impact particularly hard on large public construction projects that most local construction companies have come to rely on to stay in business.
Itoman City officials, as an example, have long planned to build a new community center that most residents want. The old Itoman Culture Center was torn down five years ago to make space for Itoman's Comprehensive Athletic Park, and the city has come up with a design and made it public to residents. That plan, finalized on Aug. 27, envisions a large hall with a capacity of 800 seats, and a smaller hall for 200, all equipped with the latest PA and stage systems. The facility would also double as a Central Community Hall.
The problem is money. Itoman City planned to ask a ¥2.5 billion subsidy from the central government, but since it has failed to negotiate a merger agreement with surrounding municipalities, the bureaucrats in the Ministry of Finance in Tokyo said no. "Any municipality that wants to build public projects must do so on their own and not expect subsidy money from the central government. If they merge into larger units, they can fund the projects with their own tax money. That's the whole idea of making municipalities to be more self-reliant," a Finance Ministry spokesman in Tokyo said.
Without subsidy money from national coffers, Itoman's plans seem likely to remain a pipe dream, and Itoman will remain the only municipality in Okinawa without its own Community Hall.


text:
Francesco Saverio Miliani
"Milangate" and the question about financial transparency in football: is Elliot really AC Milan's owner?
A cura di Francesco Saverio Miliani
Eighteen National Championships, seven Champions' Leagues, five National Cups: we know a lot about the achievements and the numbers of the AC Milan football team, but we cannot say the same when it comes to its corporate side. In one of its latest shows, in fact, the Italian investigative news programme "Report" tried to go deeper into what really happened to the world-famous soccer franchise, after Elliot Investment Management took over the lead at the end of a controversial negotiation between Silvio Berlusconi and the Chinese entrepreneur Li Yonghong.
A Developing Situation – Two official documents could overturn every certainty about the property of the club: a balance sheet and an anti-money laundering document, but the most controversial thing is yet to come; in fact, Paul Singer's fund is not the majority holder. That key role is instead represented by <<Blue Skye>>, based in Luxembourg and held by Salvatore Cerchione and Gianluca D'Avanzo. *What do we know about Blue Skye?* – Not much, but the main hypothesis is that Elliot could be responsible for a large part of the capital without having the actual control of it: a paradox that has to be solved. The third actor in this controversial comedy is furthermore represented by <<Project Redblack>>, another firm based in Luxembourg, which should have power on the entire football club.
Elliott's position – However, Paul Singer's fund claims to constitute – unofficially – 95% of the shares: at the end of the day it is a clear fact that both Cerchione and D'Avanzo could not carry all the expenses of such a big club. Again, another actor becomes part of the comedy, just to make things even more complex: a company based in Delaware, in fact, took part of AC Milan in pledge from the two Italian entrepreneurs.
The Balance Sheet – In November, Blue Skye filed the first official documents, which cover all the operations that involved the company in 2017. These files tell us that at the end of 2017, 51% of Project RedBlack, which actually controls AC Milan, was already property of Blue Skye, but also Luxembourg Investment Company 159, again owned by Cerchione and D'Avanzo, broke into <<Milangate>> by buying a little share of Project RedBlack.These were the times when Yonghong Li borrowed from Project Redblack the money necessary to buy the Italian football club from Silvio Berlusconi granting AC Milan itself as a guarantee.After Project took over the club in 2018, it had 51% of shares while Elliott counted, as expected, the remaining 49.
Elliot replies – As stated before, there is a second document, imposed by the latest anti-money laundering laws, which all companies based in Luxembourg have to produce in order to let everyone know who is in chief of the firm's property.Therefore, in September 2019, Project Redblack declared Paul Singer as beneficial owner with 49% of shares, while Cerchione and D'Avanzo held 25% each.
A difficult conclusion – Overall, anyone could think that Blue Skye, holding the 50.01% of capital, could have the majority of the economic and vote rights over AC Milan, but it does not take into account the fact that Elliot, in both terms, has a considerably higher <<weight>> than Salvatore Cerchione and Gianluca D'Avanzo.Why? All the tables filed by Project Redblack only show the partition of capital on nominal basis, but they do not cover at all the rights and burdens of different categories of shares involved and the TPECs connected to them. In fact, as reported on Project's statute, there are three classes of shares (A, B and C), and two accounts related to them: one for Class A ones, which are owned by Elliott, and one for Class B ones, which belong to Blue Skye's portfolio. Anyway, there is not a dedicated account for class C actions, which are in Cerchione and D'Avanzo's portfolio but can be <<called>> by Elliot on the base of 1€-worth operation.Furthermore, by looking on Project Redblack's governance, Elliott can appoint two members of the board of administration, while Class B share owners can only appoint one and nothing can be done by anyone who only owns class C ones; Elliott can therefore decide in complete autonomy over AC Milan, as all extraordinary actions, as stated in Project's statute, regard different areas from the management of the Italian football club.
What about Class C Shares? – Nothing can be said without uncertainty. As stated by the Italian blog Calcio E Finanza, those shares could have been inserted in Project Redblack in case a third investor wanted to "help" Yonghong Li in the operation two years ago and they're still running as they will not have any power over AC Milan's governance, unless Elliott will decide to call them for one euro and transform such shares into class A ones.
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A conviction for benefit fraud can have serious and far-reaching implications for your life. Any number of people can find themselves in need of legal advice from a criminal solicitor on how to defend against an allegation, and a poor defence can be crippling.
That's why Berlow Rahman Solicitors LLP are here to help. We are specialist benefit fraud solicitors.
One recent case in the Glasgow Sheriff Court found social worker Deborah Carmichael, 47, guilty of claiming over £67,000 of benefits due to a number of mental and physical illnesses. Her crime was "knowingly failing to give prompt notification" to the DWP when her condition improved. She was jailed for 16 months in a case that was likely to have serious implications for her professional life.
Margaret Weir, 48, of Hamilton was also found guilty of illegally claiming benefits in a recent case. She received £104,000 of income support and £28,572 of housing benefit between 2005 to 2015 before it was discovered she was receiving additional income from her ex-husband. She was sentenced to a 12-month community payback order, with supervision and 200 hours of unpaid work.
There have been cases where the courts have taken a softer stance. Sharon Stobbart, 38, was recently up before an Airdrie court for claiming almost £20,000 in benefits. She had married and was living with her husband, who had his own income without informing the authorities, the court heard.
In her case, her defence lawyer pleaded that Stobbart's infant daughter should be considered when looking to her sentence. This was successful, and she was instead given a community payback order and put on tag. As you can see, the value of a good criminal lawyer in these cases cannot be underestimated.
As you can see from the above cases, there are a wide variety of sentences available to judges. If there are multiple people involved in a ring that seeks to defraud the government, then a jail sentence of more than two years is "inevitable." In single cases where the overpayment is less than £20,000 then a jail sentence of fewer than 12 months might be appropriate. Community service orders can be used in cases where the financial gain is less than £5,000. Jail sentences are not advised (but are possible) for cases between £5,000 and £20,000.
We attend DWP offices In Glasgow, Edinburgh and Kilmarnock regularly.
Berlow Rahman Solicitors LLP legal services cover a large area of the west of Scotland, including Glasgow, Ayr, Kilmarnock, Coatbridge, Airdrie, Hamilton and Motherwell. The current Scottish legal aid rules mean fees and costs for court cases may be covered by the government and we can help provide all the necessary information. You may need to provide your wage slips or bank statements to support this application.
We excel in negotiating with the prosecution lawyers in bringing the amount of the fraud down in order to avoid a jail sentence. We recommend that you get on the front foot with the matter and engage with the prosecuting authorities.
Being accused of benefit fraud can be a scary and confusing time. The best thing to do is get some proper legal advice and understand what's going on. Berlow Rahman Solicitors LLP are ready to take your call.


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For the latest business news and markets data, please visit CNN Business
Stock futures volatile; Panic abroad; Lululemon ousts CEO
by Alanna Petroff @AlannaPetroff February 6, 2018: 7:27 AM ET
Click chart for in-depth premarket data.
1. Volatile futures: U.S. stock futures have suffered wild swings ahead of the open on Tuesday.
Investors, brace for more volatility.
Dow futures were down 100 points -- 0.3% -- at 7:25 a.m. ET. They had dropped over 800 points overnight before rebounding into positive territory in the early morning hours.
S&P 500 and Nasdaq futures also swung between gains and losses.
The Dow ended Monday with a drop of 4.6%, or 1,175 points. At one point during the trading day the Dow had fallen by nearly 1,600 points. The S&P 500 shed 4.1% and the Nasdaq fell 3.8%.
The shock decline was nowhere close to the scale of destruction seen on Black Monday in 1987 or the financial crisis of 2008. But for investors lulled to sleep by the steady upward climb since Election Day in 2016, it was alarming.
"This is a rather abrupt reminder of what volatility looks like. Nothing has changed in economic terms," said Paul Donovan, global chief economist at UBS Wealth Management.
The CNNMoney Fear & Greed index has swung into the "extreme fear" zone.
Before the Bell newsletter: Key market news. In your inbox. Subscribe now!
2. Panic abroad: Europe and Asia followed the lead of U.S. markets on Tuesday, posting major losses. The Hang Seng in Hong Kong dropped 5.1% and Japan's Nikkei shed 4.7%.
Most European markets were 2% lower in early afternoon trade.
3. Lulu under pressure: Laurent Potdevin, the chief executive of Canadian yoga retailer Lululemon (LULU), is out after the company said he "fell short" of its standards of conduct.
"Lululemon expects all employees to exemplify the highest levels of integrity and respect for one another, and Mr. Potdevin fell short of these standards of conduct," the company said in a release Monday afternoon.
The company didn't say how Potdevin, who has been CEO since 2014, fell short of its standards.
Shares in Lululemon were set to decline at the open.
4. Media earnings: Several big media companies report earnings this week: Disney (DIS) on Tuesday, 21st Century Fox (FOXA) on Wednesday and News Corp (NWS) and Viacom (VIA) on Thursday.
Disney, which has announced plans to buy a major chunk of 21st Century Fox, may report a boost from "Star Wars: The Last Jedi," which has raked in more than $1 billion globally.
5. More earnings: Dunkin' Brands (DNKN), General Motors (GM), S&P Global (SPGI) and Spirit Airlines (SAVE) are releasing earnings before the open.
Chipotle Mexican Grill (CMG), Match Group (MTCH) and Snap (SNAP) will follow after the close.
Download CNN MoneyStream for up-to-the-minute market data and news
6. Coming this week:
Tuesday -- Earnings from Disney (DIS), Snap (SNAP), General Motors (GM), Dunkin' Brands (DNKN) and Chipotle (CMG)
Wednesday -- Earnings from 21st Century Fox (FOXA), Hasbro (HAS) and Tesla (TSLA)
Thursday -- Earnings from News Corp (NWS), Viacom (VIA), Twitter (TWTR), Kellogg (K), Thomson Reuters (TRI), Tyson Foods (TSN), Expedia (EXPE) and Yum! Brands (YUM)
Friday -- PyeongChang 2018 Winter Olympics begins; Apple's HomePod goes on sale
CNNMoney (London) First published February 6, 2018: 5:15 AM ET


First, like to qualify that this post has nothing to do with investing but everything to do with your personal finance, specifically on your expenses.
If you are a bookworm and like to buy physical books/magazines, don't miss the upcoming fantastic promotion from Kinokuniya Singapore Stores.
P/S: It may sound promotional but this is not a sponsored post, just sharing the good stuff!


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Category: Ubuntu
How to Install PHP 8 on Ubuntu 20.04
PHP is a most popular server scripting language used for creating dynamic and interactive Web pages. PHP is widely-used programming language in the Web. This tutorial explains how to install PHP 8.0 on Ubuntu 20.04 system. PHP 8.0 is the latest major release and includes performance improvements, and lots of new features such as...
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GIMP is most popular open-source and cross platform application for image manipulation. It's used to optimize images, convert the types of images and much more. GIMP is available for Linux, Windows, macOS, and FreeBSD etc. This tutorial will show you how to install the latest Gimp on Ubuntu 20.04. Prerequisites# You must logged in...
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How to Install Python 3.9 on Ubuntu 20.04
Python is most popular programming language. It is used by multiple ways to build different kinds of applications. Python 3.9 is the latest major release of the Python language. It includes many new features such as new dict operators, new str functions, support for IANA time zone, and more. This tutorial describes multiple ways...
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Your right, I misread that part of the article. So that's very good news for us. He sounds like a great pick for CCSU with a good resume and connection to football in the Northeast. I hope all is getting better within the administration and the athletic department.
But clearly the new coach is taking over a struggling program, one that has just five winning seasons in the past 33 years. Not to mention this is non-scholarship I-AA football, so its going to be hard for him to establish a winner. I really would have thought that UMass would have been a better situation (A-10) for a coach, but I guess its not. So is a coaching job at Central really improving in stature compared with UMass?


This website includes links to several resources offering advice around choosing a college, paying for college and repaying student debt. One of the main goals at The Student Loan Report is to help borrowers and their families manage paying for college and student loan repayment as best as possible.
To get the job you want, you will need a compelling resume. The free professional resume templates available on this site will be tailored for your work experience and sense of design.
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Glass Door has more jobs than any other website so you can search millions of job listings on this site.
See anonymous salary details for any job or company and see what real employees have to say about any company.
The Ellis Chart is a comparative chart of apprentice training programs across Canada produced by Human Resources and Social Development Canada (HRSDC) in partnership with the Canadian Council of Directors of Apprenticeship (CCDA). It is the only document of its kind in Canada that allows an interprovincial overview of the 13 Canadian apprenticeship systems. It represents a key product that provides governments, industry and educational institutions with data on more than 300 designated trades, more specifically on training, certification, education/entrance requirements and prior learning assessment and accreditation process.


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Home/News/New generation of cyber risks threaten businesses around the globe
New generation of cyber risks threaten businesses around the globe
Businesses are being urged to prepare for a new generation of cyber risks, which are evolving far beyond privacy or reputational issues, according to a new report from Allianz Global Corporate & Specialty (AGCS).
The firm has revealed that the global cyber insurance market is forecast to grow to over $20 billion by 2025. In the UK alone, the cost of cyber crime is estimated to cost $4.3 billion of that.
"As recently as 15 years ago, cyber-attacks were fairly rudimentary and typically the work of hacktivists, but with increasing interconnectivity, globalisation and the commercialisation of cyber-crime there has been an explosion in both frequency and severity of cyber-attacks," said AGCS CEO Chris Fischer Hirs.
"Cyber insurance is no replacement for robust IT security but it creates a second line of defence to mitigate cyber incidents. AGCS is seeing increasing demand for these services, and we are committed to working with our clients to better understand and respond to growing cyber risk exposures."
Digital security firm Gemalto has also released some security stats today. The firm revealed that compared to the first half of 2014, data breaches increased by 10 per cent while the number of compromised data records declined by 41 per cent during the first six months of this year.
This decline in compromised records can most likely be attributed to that fact that fewer large-scale mega breaches have occurred in the retail industry compared to the same period last year.
"What we're continuing to see is a large ROI for hackers with sophisticated attacks that expose massive amounts of data records," said Jason Hart, VP and CTO for Data Protection at Gemalto.
"Cyber criminals are still getting away with big and very valuable data sets. For instance, the average healthcare data breach in the first half of 2015 netted more than 450,000 data records, which is an increase of 200 per cent compared to the same time last year."
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Previous Microsoft is letting Dell sell the Surface Pro 3 to enterprise customers – but why now?
Next Ransomware attacks on corporate virtual drives on the rise
Tech Data acquires ATTCO and it's subsidiary EKM
VIP UK partners with CORSAIR
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Watkins semifinalist for William V. Campbell Trophy
Sep 26, 2014 | Football
Colonels running back Caleb Watkins is among the 167 semifinalists for the 2014 William V. Campbell Trophy®, presented by Fidelity Investments® and announced by The National Football Foundation & College Hall of Fame (NFF).
Watkins was one of three OVC selections. The others were Austin Peay punter Ben Campbell and Jacksonville State offensive lineman Max Holcombe. The trio are three of just 37 student-athletes selected from the Football Championship Subdivision (FCS).
The award recognizes an individual as the absolute best football scholar-athlete in the nation, and up to 16 of the candidates will be named recipients of a prestigious NFF National Scholar-Athlete Award, also presented by Fidelity Investments. Launched in 1959, the NFF National Scholar-Athlete program awards $18,000 scholarships that can be used for the honorees' postgraduate educations. This year's recipients will be announced Oct. 30, and one will be declared the winner of the Campbell Trophy Dec. 9 at the 57th NFF Annual Awards Dinner.
Named in honor of Bill Campbell, the chairman of Intuit, former player and head coach at Columbia University and the 2004 recipient of the NFF's Gold Medal, the award comes with a 25-pound bronze trophy and increases the amount of the recipient's grant by $7,000 for a total post-graduate scholarship of $25,000. A total distribution of $300,000 in scholarships will be awarded at the NFF Annual Awards Dinner, pushing the program's all-time distributions to more than $10.7 million.
"These 167 impressive candidates truly represent the scholar-athlete ideal," said NFF Chairman Archie Manning whose sons Peyton (Campbell Trophy winner) and Eli were named NFF National Scholar-Athletes in 1997 and 2003, respectively. "It is important for us to showcase their success on the football field, in the classroom and in the community. This year's semifinalists further illustrate the power of our great sport in developing the next generation of influential leaders."
Nominated by their schools, which are limited to one nominee each, candidates for the awards must be a senior or graduate student in their final year of eligibility, have a GPA of at least 3.2 on a 4.0 scale, have outstanding football ability as a first team player or significant contributor and have demonstrated strong leadership and citizenship. The class is selected each year by the NFF Awards Committee, which is comprised of a nationally recognized group of media, College Football Hall of Famers and athletics administrators.
"The NFF would like to personally congratulate each of the nominees as well as their schools and coaches on this tremendous honor," said NFF President & CEO Steve Hatchell. "We are extremely proud to highlight each semifinalist's achievements, which show that football players can balance between academics and athletics at the highest level. The NFF Awards Committee will have an incredibly difficult task in selecting the finalists from this outstanding group of candidates."
The NFF Awards Committee will select up to 16 recipients, and the results will be announced via a national press release on Thursday, Oct. 30. Each recipient will receive an $18,000 postgraduate scholarship, and they will vie as finalists for the 2014 William V. Campbell Trophy, presented by Fidelity Investments and hosted at the NYAC, which is celebrating its 25th anniversary in 2014. Each member of the 2014 NFF National Scholar-Athlete Class will also travel to New York City to be honored Dec. 9 during the 57th NFF Annual Awards Dinner at the Waldorf Astoria where their accomplishments will be highlighted in front of one of the most powerful audiences in all of sports. One member of the class will also be announced live at the event as the winner of the Campbell Trophy.
Launched in 1959, the NFF scholar-athlete program became the first initiative in history to award post-graduate scholarships based on both a player's academic and athletic accomplishments, and it has recognized 787 outstanding individuals since its inception. The Campbell Trophy, first awarded in 1990, adds to the program's prestige, having previously honored two Rhodes Scholars, a Rhodes Scholar finalist, two Heisman Trophy winners and five first-round NFL draft picks. Earlier this month, Fidelity Investments became the first presenting sponsor of the Campbell Trophy.
In 2011, the NFF and Fidelity launched a multi-year initiative between the two organizations to celebrate the scholar-athlete ideal and a joint commitment to higher education. As part of the initiative, Fidelity became the first presenting sponsor ever in the 55-year history of the NFF National Scholar-Athlete Awards program. Fidelity also helped launch the NFF Faculty Salutes initiative, which recognizes the contributions of the faculty athletics representatives at each of the institutions with an NFF National Scholar-Athlete. As part of the initiative, the NFF will present each of the faculty representatives with a plaque and a $5,000 check from Fidelity Investments to support the academic support services for student-athletes at each school.