I got a phone call this morning, congra-tulating me on being shortlisted for the Young Male of the Year at the Scottish Achievements Awards 2009 and asking me to prepare a speech, should I be the winner on Thursday, 25 June.I am, of course, very pleased, excited and honoured to have been shortlisted for such a prestigious award and as I think about all the things I want to say in that speech and all the people I want to thank, one question constantly comes to mind: Why is it that I do what I do?I think many of us who run our own businesses sometimes ponder over the same thought and I suppose we don’t all share the same answers. Some do it for the buzz, some for the money, and some for the freedom. I share all of the above, but most importantly of all, I love doing what I’m doing and I will continue to do it at the pace I’m doing it, if not faster, until I stop enjoying what I’m doing. At that point it will be time to stop and move on.This brings me to the next question, which is the exit strategy. Do we all have one in place? Do we all know what route we will take when thinking of either retiring, moving on or simply selling our business? A recent survey in the Financial Times showed that the vast majority of entrepreneurs (74%) in the UK were risking long-term business success by not giving proper thought to their exit strategies.If we actually think about it, an entrepreneur’s first objective tends to be to create a business upon which to build value. We often only consider selling that business when first approached by a potential buyer. This can leave us unprepared and at a disadvantage. Having a clear exit strategy in place from the outset may sound counter-intuitive but is, in fact, essential.It is vital to plan for the future, growing the value and attractiveness of the business by implementing a clear development strategy from the beginning, including putting in place a strong management team to lead the business following the eventual departure of the entrepreneur.Unfortunately, many do not have such plans and processes in place and that lack of planning can result in difficulty agreeing a price, with owners reluctant to give potential investors access to vital financial information. This ultimately results in not achieving the best value for the business.My view is that we should all sit down and reflect on what we have done so far, what we’re currently doing, and where we want to be in five years. If this means not being in the same business, it’s vital to start thinking about a strategy.Here are two questions for you: what do you want to achieve or avoid? The answer you give to this question provides your objectives. How will you go about achieving your desired results? The answer to this question you can call strategy.
After spending time in Gao, Mali, graduate student Katie Conlon stayed in touch with a group of artisans and will sell their handmade goods at a fundraiser today from noon to 6 p.m. in the Hesburgh Library Main Hall. Conlon, a first year Master’s student in the Kroc Institute for International Peace Studies, said she lived in Mali for more than two years and worked with artisans in the northern part of the country. “When I was in Peace Corps in Gao, Mali [from 2005 to 2007], my post was in Small Business Development and I worked with this group of artisans,” Conlon said. “I have been in contact with them ever since.” The Sahara jewelry Conlon is selling, mostly metalwork and beadwork made by Tuareg and Songhai refugees, will benefit approximately 60 artisans and their families in Mali. Rebels took over Northern Mali in March 2012, and Islamic fundamentalist rebels conquered in April 2012, according to Conlon. More than 400,000 people in northern Mali became refugees, fleeing the repression by going south or into neighboring countries. “The town was taken over by extremists, buildings were destroyed, the market bombed, and economy has been put in ruin and people have been just barely surviving,” Conlon said. Conlon said the economic situation has been incredibly difficult as most infrastructure, including the markets, was destroyed in the fighting. “This fundraiser is to help people rebuild and make a peaceful transition,” she said. “It is also a way of honoring the culture and traditions of the North.” Conlon said she hopes people at the fundraiser will learn more about a part of the world they might be unfamiliar with and walk away with an interest in Mali’s culture. “Hopefully, … people will find a nice treasure to buy to support the people of Gao in their post-conflict reconstruction,” Conlon said. “Students who are also interested in peace studies and Peace Corps will find this helpful and informational.” Contact Charitha Isanaka at [email protected]
By Faith PeppersUniversity of Georgia Work-of-art containers brimmingwith bright blooms can make youwish they flanked the entry to yourhome. And they could. On “Gardeningin Georgia” Aug. 30 and Sept. 1,learn from the designers at Georgia’sfamous Sea Island resort, The Cloister.“Gardening in Georgia” airs onGeorgia Public Broadcasting stationsacross Georgia each Thursday at 7p.m. and Saturday at 12:30 p.m. and6:30 p.m.Large banana trees are attractivein a tropical sort of way, mostly fortheir broad leaves. But a whole newclass of bananas are grown for theirbeautiful flowers. Richard Wallacetakes show host Walter Reeves on a tour of bananasthat aren’t edible but definitely haveappeal.Elephant ears are big, green andgorgeous. But they’re also poisonousin some situations. Reeves shows how elephant eargrows. He distinguishes betweendasheen and elephant ear and showswhy an elephant ear’s sap can bedangerous.Slimy, hammerhead worms mightbe the ugliest creatures you’ll eversee on TV. They’re found underdamp rocks, where they prey onearthworms. Reeves explains whystomping them isn’t the way to controlthis odd planaria.“Gardening in Georgia” is coproducedby GPB and the UGA Collegeof Agricultural and EnvironmentalSciences. Each show is geared toGeorgia soils, climate and growingconditions.The 2007 season is made possiblethrough an underwriting gift fromMcCorkle Nurseries and supportfrom the Metro Atlanta Landscapeand Turf Association. For more on“Gardening in Georgia,” visitwww.gardeningingeorgia.com.
US Senator Patrick Leahy (D-Vt.), US Senator Bernie Sanders (I-Vt.), and US Representative Peter Welch (D-Vt.) on Wednesday announced $683,388 in recovery funding for Barre, Vermont’s Northern Power Systems. Northern Power was one of just 28 wind energy projects nationwide to receive nearly $13.8 million in Department of Energy funding intended for research, testing and analysis. The federal investment was made possible by the American Recovery and Reinvestment Act.In announcing the funding, Department of Energy Secretary Steven Chu noted that wind power capacity in the U.S. increased by 8,558 megawatts in 2008. A nationwide investment of $16 billion in 2008 made the U.S. the fastest-growing wind power market in the world for the fourth consecutive year.Sen. Leahy said, This reflects the priorities for Vermont and the nation that we have pursued on the Appropriations Committee, and I m pleased to see another tangible result in this announcement about Vermont s Northern Power Systems project. These projects will help to strengthen our economy while also growing green jobs and will take us farther in expanding our renewable energy deployment here at home.Sen. Sanders said, We must move, as aggressively as possible, to become energy independent, to address the crisis of greenhouse gas emissions and global warming and, in the process, create millions of new jobs over a period of years in the clean-energy field. Federal investment in Vermont s green jobs sector is another welcome sign that Vermont can be a national leader in this area.Rep. Welch said, This federal investment in Vermont s economic recovery will enhance Northern Power s ability to compete in the rapidly growing clean energy economy. These funds will create good jobs in Vermont and further enhance the state s leadership in developing renewable energy resources.Source: Sanders’ office. WASHINGTON (Wednesday, July 15) —
CUNA wrote to the U.S. Department of Defense (DOD) Tuesday requesting at least a 6-month delay in the Oct. 3 effective date for changes to the Military Lending Act (MLA) rule. CUNA has pushed the DOD for guidance related to the changes, which was released last week, but CUNA still questions whether financial institutions can be fully prepared.“While some credit union core processors have indicated they expect to be ready by Oct. 3, given remaining ambiguities in the rule, we question whether it’s possible for any financial services processors to be fully prepared,” the letter reads. “Such ambiguities aside, it is likely that some lenders will be unable to comply with the regulation by the effective date.”The changes to the MLA regulation add a number of requirements to loans extended to covered military servicemembers.“This compliance struggle will harm not only the lenders themselves but, more importantly, it has the potential of harming servicemembers that may be unable to obtain credit due to lenders’ compliance challenges,” the letter adds. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Signing of the Charter on Cooperation “Nikola Tesla Network” The initiative for the Nikola Tesla cultural route was initiated by the Croatian Association for Tourist and Cultural Routes “Tur Kultur”, the Croatian Association for Tourism and Rural Development “Selo Members Club” and the Tourist Board of Lika-Senj County. Kulturne rute Vijeća Europe osnovane su s ciljem jačanja ljudskih prava, demokracije, prekogranične suradnje, kulturne raznolikosti i dijaloga, a prva je ruta pokrenuta 1987. i sad ih postoji 38. Inicijatori vjeruju da će njihov projekt dati doprinos brendiranju i promociji ne samo Hrvatske već i svih zemalja na ruti, ali i proširenju svijesti o tome kako je Nikola Tesla jedan od najpoznatijih hrvatskih iseljenika te europskih i svjetskih znanstvenika. “After the signing of the Charter, the Nikola Tesla Network Association will be established, which will collect all the necessary documentation for the certification of the route at the Institute for European Cultural Routes of the Council of Europe. The first route starting from Croatia is dedicated to a scientist who deserves all our attention given the importance he has in the world. The route will generate an increase in tourist traffic in the areas it passes through in Croatia and abroad”, Said Frano Matušić, State Secretary at the Ministry of Tourism and President of the Working Group” Nikola Tesla Network – Nikola Tesla Network “. Photo: Memorial Center “Nikola Tesla” Smiljan / Eco Ethno Group Another step has been taken to form the first European cultural route starting from Croatia, inspired by the great Nikola Tesla. As part of the three-day event celebrating the 163rd birthday of the great scientist, the Charter on Cooperation “Nikola Tesla Network” was signed. The signatories come from both the country and abroad, and among them are ministries, counties, local governments, museums, institutes, educational institutions and the like, more than thirty of them. Even before signing the Charter, most of the partners were already engaged in the project of a cultural route that would start from Smiljan in Lika and pass to all countries where Tesla spent part of his life. Projektbi, prođe li na Vijeću Europe, najranije u svibnju dobio certifikatKulturna ruta Vijeća Europe 2020. To će označiti i start za brojne domaće imeđunarodne gospodarstvenike, kulturne djelatnike, znanstvenike i mnoge druge,kojima će ruta ostati inspiracija za izradu novih turističkih itinerera, ali iza nova istraživanja i nove kulturne prekogranične projekte. “Nikola Tesla je nesumnjivo jedan od našihnajvećih velikana koji još uvijek živi kroz poveznicu s novim tehnologijama ineistraženim izumima. Smatrali smo da treba pokrenuti rutu Nikola Tesla gdje biHrvatska kao Teslina domovina bila njezin inicijator i nositelj, ali iprva točka na toj ruti. I to ne samo Smiljan kao Teslino rodno mjesto, nego iGospić i Karlovac kao mjesta primarnog obrazovanja, Zagreb kao grad kojem jeTesla ponudio elektrifikaciju, Skradin u kojem je smještena prva europskahidroelektrana, Ozalj kao mjesto najstarije hrvatske kontinentalnehidroelektrane, Šibenik kao prvi grad u svijetu koji je dobio izmjeničnu strujuza svoja postrojenja. Na ruti će biti i Graz, Prag, Budimpešta i Maribor, tePariz i Strasbourg, gradovi u kojima se Tesla školovao, imao prve poslove iizume. Tu su svakako i New York, grad u kojem je Tesla postao znanstveniksvjetskog glasa, a dio rute su i slapovi Niagare i Colorado Springs. Tko želiuvijek se može priključiti ovom jedinstvenom projektu”, Explains Dijana Katica, President of the Croatian Association for Tourism and Rural Development Club members” Village “.
So, Austrian citizens can still freely go to Croatia, but after returning to their country they still need to isolate themselves or take a covid-19 test when entering the country. Austria abolished everything yesterday epidemiological measures for the travel of Austrian nationals to countries with which that country directly borders. Of course, this whole story has nothing to do with any animosity towards the citizens / guests of Austria, but is exclusively a harmful political game. The goal is to activate the tourism market primarily from Germany and Switzerland, and on the other hand they want to keep their citizens traveling within Austria and thus generate domestic consumption. It should certainly be reminded that the coronavirus spread to Croatia and other parts of Europe, mostly from ski resorts in Austria where the new Hotspot was created, which again due to arrogance and looking only for profit, did not react to the coronavirus but are still normal. work. They now face billions of euros in lawsuits. At the very least irresponsible, egocentric, selfish… but now the same pattern is seen again according to the last decision. Austria’s decision is controversial to say the least because Croatia has one of the best epidemiological situations in Europe, and has even become a positive example of how it has dealt with the whole situation. Austria is playing a political game, looking only at itself and its interests, which will come back to it like a boomerang, because for every cooperation and partnership, you want to have a partner you can trust. However, it is already a political sphere, what is most important at the moment is for Austria to act as if it is in the EU and to remove obstacles to travel to Croatia and other countries that have a favorable epidemiological situation. And what could happen before 15.06. Thus, as of June 4, the Austrian borders are open to Germany, Liechtenstein, Switzerland, Slovakia, Slovenia, the Czech Republic and Hungary. If you enter Austria from these countries, you will not need to self-isolate or provide a medical certificate. But not from Croatia. But when the political factor is included in this paradigm, then the result is completely different. It is quite clear here that this is a purely political decision, not a health situation. Photo: Pixabay.com This rule, for now, is in force until June 15. According to unofficial information, Austria will still be June 6. open borders towards Croatia, ie the need for self-isolation for return from Croatia will be abolished. Primarily due to pressure from both Croatia and the EU. Although yesterday’s decision of the Austrian authorities, in my opinion, should have gone beyond diplomatic channels, ie public outrage and pressure, both from Croatia and the EU. After Germany and Slovenia, Austria is in third place with the markets with which Croatia has the largest tourist turnover. So it is quite clear how the tourism sector eagerly awaits the Austrian guests, in order to save at least to some extent what to save from this tourist season. This year the most important thing is to have at least some traffic or cash flow, pay the workers, all other expenses and be in some positive to survive until the spring of 2021. Because although it is a recommendation of the European Commission for full liberalization of travel in countries with a similar epidemiological situation, this decision is against everything that the EU represents or should represent, and that should be the concern of the European Commission itself. Especially after Brexit.
Meanwhile, Central Java Police general crimes head Sr. Comr. Budhi Haryanto explained that the police had tracked down the suspects through a cyber investigation based on reports from the public. Read also: Surabaya Mayor Risma admits to hoarding masks ‘since January’ in anticipation of COVID-19 outbreakHe said several areas in Central Java, including areas along the North Coast (Pantura) Highway as well as the regencies of Brebes and Kendal, which had already run out of face masks and hand sanitizers. “Apparently, they have [sold out] because the hoarders bought them all,” Budhi said. “We already have the names of more than five other face mask hoarders,” he added, indicating that investigations were ongoing in other price gouging cases.Budhi warned the general public to refrain from buying face masks in bulk with the intent to resell them at markup prices. “Please have more sympathy for the public. We will keep looking for hoarders because the President has instructed us to be strict toward them,” he cautioned.A buying frenzy gripped people all over the country on Monday afternoon following President Joko “Jokowi” Widodo’s announcement of the first two confirmed cases of COVID-19 in country. Stores reported that customers were buying up items ranging from instant noodles to face masks and antiseptic wipes. Designated Case 1 and Case 2, Indonesia’s first confirmed cases are a mother and daughter currently being treated at the Sulianti Saroso Infectious Diseases Hospital in North Jakarta. (dpk) Central Java Police arrested on Tuesday three residents of Semarang for alleged price gouging in the wake of the buying frenzy that erupted on Monday, when the country confirmed its first cases of COVID-19.The three had reportedly been caught stockpiling face masks and hand sanitizers and reselling them at almost nine times the original price. Central Java Police spokesman Sr. Comr. Iskandar F. Sutisna said on Tuesday that the police had arrested the three suspects – identified only as A, 45; M, 25; and AU, 45 – who had been selling the marked-up products on Facebook, where they had also posted their contact information.“We have confiscated 4,000 face masks as evidence, as well as hand sanitizers. One box of masks originally costs from Rp 30,000 (US$2.12) to Rp 40,000, but they were selling [one] for Rp 275,000,” Iskandar said. “People were rushing to look for face masks after the coronavirus [announcement] and they panicked when they couldn’t find it at [stores], so they resorted to buying them from the suspects,” he added. The suspects have been charged under Article 107 of Law No. 7/2014 on Trade, which carries a maximum sentence of five years in prison sentence and a Rp 50 billion fine. They are also being charged with violating the 1999 Consumer Protection Law. Topics :
“We look at the ones that have been issued as corporate bonds – the term green bond is very difficult to grasp.”Corporate bonds issued in the past by national energy provider DONG would now be classed as green bonds in today’s market, he added.Issuance of green bonds has surged in recent years, with the total value of the market having grown from around $7bn (€5.6bn) in 2012 to more than $35bn in 2014, according to the Climate Bonds Initiative.New issuance in 2014 is now more than $17bn compared with $10bn a year earlier.“Green bonds are a very large spectrum,” Stougaard said. “Some are project specific, but there are different variations.“It is very much a marketing thing and convenient thing to put around an issue. I am not sure if it adds capital to what is already going on.”In exchange, Stougaard said the fund was continuing its exploration of offshore wind farms and renewable power plants.Stougaard said demand for “greener” real assets was increasingly competitive, affecting pricing.But he said PensionDanmark would continue to look at energy-grid investments as energy providers struggle to shrink balance sheets, providing good-value assets.In February, the fund announced a DKK2.9bn investment into a power-grid for wind power in the North Sea.Steve Waygood, chief responsible investment office at Aviva Investors, backed Stougaard’s analysis of the green bond market and said setting a standard for green bonds should become a regulatory issue.“My problem with the issuance is whether it is additional,” he said. “Are the projects being funded ones that would have been funded anyway from a conventional bond? If they are and then being issued with a premium, then it is wrong.”Christopher Kaminker, an economist with the OECD, said the rapid growth of the green bond industry was not as much of an issue as its composition – with an increasing amount from corporates.“There are still sovereign supranational agencies, but there is more corporate issuance or labelled issuances ring-fenced for projects the corporate is involved in,” he said.“What is really important is that we get to a place where the capital being raised is contributing to projects.”He said the OECD would study how the market continued to grow, its composition and its overall contribution to a low-carbon economy. PensionDanmark has dismissed the “explosion” in the issuance of green bonds as the dressing up of corporate issuance, as the fund increases its focus on energy production and distribution.The DKK170bn (€23bn) Danish labour-market pension scheme said the term used collectively for green bonds was a difficult concept to grasp given its overlap with normal commercial issuance.Speaking at the OECD Roundtable on Long-Term Investing in Paris last week, the scheme’s director, Jens-Christian Stougaard, said he was unconvinced by the latest growth in the market.“Even when we are talking about the explosion, it is still a very small amount,” he said.
Brisbane, Gold Coast among world’s best luxury cities: Study Reader’s picture: Winnie Cheong took this picture of Currumbin Valley.More from news02:37International architect Desmond Brooks selling luxury beach villa8 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag1 day agoCarson Teh, data analyst from OpenAgent, said suburbs with long holding periods usually had characteristics that kept residents around longer. “With the hustle and bustle of metropolitan areas, suburbs that offer some peace and quiet while still having access to the city, public transport, major roads, shops and amenities are ideal,” Mr Teh said.The median house price in Currumbin Valley is $875,000, while the median rent is $705 per week. Steiglitz (16.6 years), Yatala (15.1 years), Gaven (14.9 years), and Currumbin (14.3 years) round out the top five most tightly held suburbs on the Coast. Eden Health Retreat at Currumbin Valley. Picture: Supplied 84 Brocks Rd, Currumbin Valley is currently on the market at $2.99 million.Ray White Robina agent Karyn O’Dea said Currumbin Valley offered a tranquil, rainforest lifestyle while being close to the beach.“It has a rainforest-y lifestyle feel and you’re literally 10 minutes away from the beach, you can’t get that anywhere else on the coast,” Ms O’Dea said. “Currumbin Valley has bigger properties, especially acreage, that are enjoyed by families, professionals and even business owners.”According to the most recent Census, the median age of residents in Currumbin Valley is 44 years, suggesting that it’s less ideal for first-home buyers. MORE NEWS: Gold Coast property: land valuations reveal winners and losers Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 2:11Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -2:11 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenAutumn National Market Update02:12HOMEOWNERS in Currumbin Valley hold onto their properties longer than anywhere else on the Gold Coast, new research reveals.Houses in the semirural suburb are held for an average of 16.8 years, according to OpenAgent.com.au.The average hold period for the Gold Coast sits at 10.4 years – Currumbin Valley homeowners hold onto their homes for around 6.4 years longer than normal.