#1.11 Trust But Verify | Explore Tumblr Posts and Blogs

painterlegendx · 5 years

Text

Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale

Are you blank the abeyant to aggrandize your active breadth or actualize an income-producing in-law apartment in your cavern space?

dark forest ORIGINAL drawing by Katarzyna Kmiecik / pencil .. | dark forest paintings for sale In this week's absolute acreage gallery, we attending at homes for auction that advertise 20 types of accomplished basements. Would you appetite a home theater, custom wine cellar, crafts amplitude or bold allowance on the lower level?Foosball or billiards, anyone?--Janet Eastman | [email protected] | @janeteastmanWhere, IncWest Hills midcentury modern5335 S.W. Patton Road is listed at $5,985,000.The two-level midcentury avant-garde abode was advised by artist Walter Gordon and congenital in 1971 on 3.4 acres. The adapted abode has bristles bedrooms, bristles abounding bathrooms, two crumb apartment and 8,162 aboveboard anxiety of active amplitude including a lower-level ancestors allowance with bold tables.“Wrapped in brick for a ample part, the exoteric is in abstract adverse to the tropical-inspired breadth and built-in backwoods that beleaguer the perimeter. Floor-to-ceiling windows band the absolute aback side, accouterment amazing angle of the basin and clandestine basin veranda,” say advertisement agents Suzann Baricevic Murphy and Lorraine Rose of Where, Inc.Where, Inc.West Hills English-style manionThe Frank J. Cobbs Mansion at 2424 S.W. Montgomery Dr. is listed at $4,985,000.The English-style abode was advised by artist Albert E. Doyle and congenital in 1918 on 2.04 acres. The four-level home has seven bedrooms, bristles bathrooms, three crumb apartment and 14,335 aboveboard anxiety of active amplitude including a lower akin with a chichi lounge.“Historic archetypal in the affection of Portland. Four floors of different and aberrant active spaces. Extraordinary,” say advertisement agents Suzann Baricevic Murphy and Lorraine Rose of Where, Inc.Read added about the celebrated propertyKnudsen Group LLCMilwaukie midcentury aurora ranch6822 S.E. Savanna St. is listed at $519,500.The two-level, adapted aurora ranch, congenital in 1966 on a 10,018-square-foot lot, has four bedrooms, three bathrooms and 3,372 aboveboard anxiety of active amplitude including independent active abode in the lower akin with a kitchenette, ancestors room, two bedrooms, adapted bath with washer-dryer angle ups, two ductless air conditioning units and abstracted entrance.“This home can calmly board multi-generational active or ADU . Buyer to verify ADU and 4th bedchamber egress,” says advertisement abettor Barbara Knudsen of Knudsen Group LLC.Premiere Acreage Group, LLCForest Park Craftsman10717 N.W. Skyline Blvd. is listed at $1.6 million.

Dark Dark Forest Paintings For Sale | Saatchi Art - dark forest paintings for sale | dark forest paintings for sale The three-level Craftsman-style house, congenital in 2007 on 7.44 acres, has four bedrooms, 5.5 bathrooms and 5,873 aboveboard anxiety of active amplitude including lower-level ancestors and bold rooms.Premiere Acreage Group, LLCForest Park Craftsman"The affection of planning, architecture and architecture is axiomatic in this spectacular, custom, environmentally affable home with solar panels, bamboo floors, rain collection, paperstone counters, Milgard fiberglass windows, home automation arrangement with alarm, motion sensors, altitude and ablaze controls," says advertisement abettor Laura Sheldon of Premiere Acreage Group, LLC. of the acreage at 10717 N.W. Skyline Blvd.Cascade Sotheby’s International RealtyForest Park Country French6103 N.W. Cornell Road is listed at $1,499,000.The four-level Country French house, congenital in 1992 on 4.85 acres, has four bedrooms, 3.5 bathrooms and 5,236 aboveboard anxiety of active amplitude including a lower-level in-law quarters.“Amazingly agreeable home with accustomed and curated adorableness all around. Truly a different befalling to alive so privately, so abutting in,” say advertisement agents Joe Reitzug and Stephanie Reitzug of Cascade Sotheby’s International Realty.Cascade Sotheby’s International RealtyGresham custom600 S.E. Arrow Creek Lane is listed at $1,375,000.The three-level custom house, congenital in 1994 on 1.11 acres, has four bedrooms, 3.5 bathrooms and 5,380 aboveboard anxiety of active amplitude including a accomplished basement fabricated into an au brace or in-law apartment with a kitchenette.“Rustic walnut, acacia, atramentous bean, marble, limestone, travertine and quartz finishes. Acanthus blade beam domes, sculpted travertine fireplaces, formed chestnut sinks, hand-carved walnut, 4,000-bottle temperature controlled wine cellar, two adept suites,” says advertisement abettor Kristi Calcagno of Cascade Sotheby’s International Realty.Windermere Realty TrustSauvie Island contemporary14025 N.W. Charlton Road is listed at $1,295,000.The two-level, abreast house, congenital in 1975 on 3.49 acres, has six bedrooms, four bathrooms and 4,673 aboveboard anxiety of active amplitude including a lower-level ancestors allowance with a bar, bedchamber and laundry room.Windermere Realty TrustSauvie Island contemporary"Two adept suites on the capital level, floor-to-ceiling windows with abundance and pastoral views; sprawling absorbing spaces; a ample abundant allowance and a gourmet kitchen. The high terrace has an orchard and affluence of amplitude to garden. Alone two-bay boutique with RV parking and appointment amplitude to abundance your toys." says advertisement abettor Matt Mahaffy of Windermere Realty Trust of the acreage at 14025 N.W. Charlton Road.Windermere Realty TrustSauvie Island contemporary

Sue Massey - The Dark Cloaked Figure. spooky atmospheric .. | dark forest paintings for sale 14025 N.W. Charlton RoadLocker PropertiesForest Park traditional7240 NW Summitview Dr. is listed at $1,125,000.The three-level traditional-style house, congenital in 1997 on 5.56 acres, has six bedrooms, 4.5 bathrooms and 5,536 aboveboard anxiety of active amplitude including a lower-level ancestors room.“Spacious kitchen with high-end stainless-steel appliances. Open to ample ancestors room. Step out to Ipe accouter and adore angle of your clandestine backwoods and trails,” says advertisement abettor Linda Locker of Locker Properties.eXp Realty, LLCForest Park Northwest contemporary5525 N.W. Skyline Blvd. is listed at $1.1 million.The three-level Northwest abreast house, congenital in 1995 on two acres, has four bedrooms, three bathrooms and 4,562 aboveboard anxiety of active amplitude including independent active abode in the lower akin with a acceptable kitchen and abstracted entrance.eXp Realty, LLCForest Park Northwest contemporary"Two decks additional two bedchamber apartment balconies, boutique with added than 1,000 aboveboard anxiety of space, ability and RV parking," say advertisement agents Stephen FitzMaurice and Jennifer Tangvald of eXp Realty, LLC. of the acreage at 5525 N.W. Skyline Blvd.Skoro International Absolute Acreage Group, LLCGresham lodge-like custom4688 SE Deer Creek Place is listed at $729,000.The three-level, lodge-like custom house, congenital in 2007 on 1.06 acres, has bristles bedrooms, 4.5 bathrooms and 4,599 aboveboard anxiety of active amplitude including a ancestors allowance on the lower level.Skoro International Absolute Acreage Group, LLC.Gresham lodge-like custom"The home is abounding with high-end, admirable account including reclaimed copse beams, hand-wrought adamant railings, acrimonious slate attic and travertine," says advertisement abettor Becky Gee of Skoro International Absolute Acreage Group, LLC of the acreage at 4688 SE Deer Creek Place.Suntree Inc., RealtorsSherwood custom16860 S.W. Parrett Abundance Road is listed at $1,395,000.

Dark Green Forest Paintings For Sale | Saatchi Art - dark forest paintings for sale | dark forest paintings for sale The three-level, custom estate, congenital in 2003 on six gated acres, has bristles bedrooms, four bathrooms, two crumb apartment and 5,734 aboveboard anxiety of active amplitude including lower-level billiards amplitude and a abstracted alone ADU with 3 appearance ability and a lower studio.“High-end finishes, astonishing angle and accustomed light. A acreage congenital for entertaining,” says advertisement abettor Bryn Lindekugel of Suntree Inc., Realtors.Keller Williams Realty Portland EliteSherwood Craftsman24690 S.W. Allison Lane is listed at $1.2 million.The three-level, Craftsman-style house, congenital in 1994 on 2.73 acres, has bristles bedrooms, 3.5 bathrooms and 5,436 aboveboard anxiety of active amplitude including a lower akin with allowance for an ADU with a abstracted kitchen.“Entertainment deck. Common-sense attic plan.Master apartment on the capital level. Oversized laundry and ability room,” says advertisement abettor Amber Deuchar of Keller Williams Realty Portland Elite.Keller Williams Sunset CorridorBeaverton aurora ranch17980 S.W. Shadypeak Lane is listed at $1.1 million.The two-level, adapted aurora agronomical house, congenital in 1975 on 6.14 acres, has bristles bedrooms, three bathrooms and 2,884 aboveboard anxiety of active space.“Vaulted great-room appearance active with apparent beams, comfortable kitchen and adept apartment on the capital level. Zoned R-6, Outstanding advance acreage in the affection of Cooper Abundance amplification area,” says advertisement abettor Jim Cavanaugh of Keller Williams Sunset Corridor.The Brokerage HouseHillsboro Craftsman25852 S.W. Vanderschuere Road is listed at $999,900.The two-level Craftsman-style house, congenital in 2004 on 9.9 acres, has three bedrooms, 2.5 bathrooms and 3,999 aboveboard anxiety of active amplitude including a accomplished basement with a ancestors allowance and wet bar.“Spectacular Mt. Hood and Mt. St. Helens view. Adept on the capital level, home theater, custom wine cellar, advanced woodworking shop,” says advertisement abettor Aaron Rian of The Brokerage House.John L. ScottLake Oswego townhouse78 Greenridge Court is listed at $579,000.The two-level townhouse, congenital in 1973 on a 2,613 -square-foot lot, has three bedrooms, three bathrooms and 2,000 aboveboard anxiety of active amplitude including a lower-level, abstracted abounding assemblage to hire or use as a bedfellow amplitude or office.“Brazilian blooming hardwoods. Complex has a nice basin breadth and Abundance Park facilities,” say advertisement agents Lynda O'Neill and James Thayer of John L. Scott.Subscribe to Oregonian/OregonLive newsletters and podcasts for the latest account and top stories

Dark Forest (ART_8_8) - Handpainted Art Painting - 8in X 8in - dark forest paintings for sale | dark forest paintings for sale Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale - dark forest paintings for sale | Welcome to help my weblog, within this period I will explain to you in relation to keyword. Now, this is actually the 1st graphic:

Dark Forest Paintings For Sale | Saatchi Art - dark forest paintings for sale | dark forest paintings for sale Think about impression earlier mentioned? is that will incredible???. if you're more dedicated and so, I'l l provide you with a few picture again underneath: So, if you would like obtain the amazing pictures about (Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale), click on save button to save the graphics to your pc. There're ready for down load, if you'd rather and wish to obtain it, just click save logo on the post, and it'll be instantly down loaded in your computer.} As a final point if you'd like to have unique and latest picture related to (Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale), please follow us on google plus or bookmark this site, we attempt our best to present you daily update with all new and fresh images. We do hope you enjoy keeping here. For most upgrades and recent information about (Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale) graphics, please kindly follow us on tweets, path, Instagram and google plus, or you mark this page on bookmark area, We try to give you update periodically with all new and fresh pictures, love your surfing, and find the ideal for you. Here you are at our website, contentabove (Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale) published . Nowadays we're pleased to announce that we have discovered an awfullyinteresting nicheto be pointed out, that is (Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale) Lots of people searching for information about(Ten Easy Ways To Facilitate Dark Forest Paintings For Sale - Dark Forest Paintings For Sale) and of course one of them is you, is not it?

Dark Dark Forest Paintings For Sale | Saatchi Art - dark forest paintings for sale | dark forest paintings for sale

Dark Forest Paintings For Sale | Saatchi Art - dark forest paintings for sale | dark forest paintings for sale Read the full article

#darkforestpaintingsforsale

0 notes

cliftonsteen · 4 years

Text

Coffee Pricing: Why We Need to Know Farmgate And Not Just FOB

What did the farmer who grew your coffee get paid?

Finding an answer to this simple question is challenging. So challenging, in fact, that most cafés and specialty coffee roasters don’t know the answer.

This is a major concern for them and coffee drinkers, because everyone wants the higher prices they pay to reach farmers. But the uncomfortable reality is that there are often few concrete guarantees that this will happen. Worse, there is the real possibility that specialty coffee purchased at what appears to be a financially sustainable price is actually below a farmer’s cost of production.

Unfortunately, today’s industry-standard for transparency, the Freight-On-Board (FOB) price, is partly to blame. It’s time we turned to farmgate pricing instead as a measure of how ethical a coffee really is.

You might also like Blockchain & Coffee: Separating The Marketing From The Reality

Josue Gomez (left), the Administrator of Finca La Loma in Huila, Colombia, alongside Eduardo Godoy (right), a coffee picker. Credit: Rodrigo Sanchez

What Is FOB Pricing & Why Does The Industry Use It?

A large number of specialty coffee roasters put their transparency principles into practice by publishing the prices they have easy access to. Make no mistake: the fact that so many roasters are doing this is something to celebrate.

However, this is nearly always the price paid to the coffee exporter, also known as the Freight-On-Board (FOB) price. This is the price paid for a container full of coffee that is ready to ship. It includes what the farmer was paid but also the in-country milling, warehousing, and transportation costs as well as intermediaries’ fees and export fees

As a measure of prices, the FOB has significant benefits. For those who can access it, it’s usually accurate.

“Most of the exporters we work with are very transparent and will let us know the breakdown of costs within that country,” says Bradley Steenkamp, Co-owner, Head of Coffee, and licensed Q-Grader at Horsham Coffee Roaster.

Second, it is useful when contrasting supply chain costs at origin versus the costs in consuming countries, as well as comparing supply chains against one another. “FOB is a great benchmark and, generally speaking, gives a very good idea about the amount of money returning to the origin country,” Bradley tells me.

Yet it has one very large limitation. “The risk with only being aware of the FOB price is that roasters and consumers are not fully aware of how much of that money is actually paid to the producer,” says Bradley.

Producer Jairo Taborda Berrio weighs coffee at Finca La Candela in Colombia alongside farm owner Alberto Lotero. Credit: Yolima Taborda Paisa Coffee

The Problem With FOB Pricing

Unfortunately, a high FOB price can mask the fact that coffee farmers are receiving unsustainable prices.

Let’s unpack a typical FOB price. The 2019 Specialty Coffee Transaction Guide suggests US $1.85/lb was the average price paid for an 82–83.9 point South American green coffee purchased in a lot ranging in size from 10,001 to 40,000 pounds. On face value, this appears a good deal for a farmer when you consider the C price, the average commodity price for coffee on the New York Stock Exchange, was US $1.02/lb in 2019.

The problem is that “there’s a major discrepancy between that [FOB] price and what the farmers are actually paid,” explains Justin Dena, COO of iFinca, a mobile app which uses blockchain to verify coffee prices from the farmgate onwards and then share them with everyone who buys that coffee, from the exporter to the roaster, café owner, and even consumer. Farmgate, FOB, and quality bonuses are all made transparent.

Traditionally, as little as 60% of the FOB price can arrive in the farmer’s hands. The remaining 40% will be for the costs of in-country transportation, warehousing, wet milling (if applicable), dry milling, and other in-country non-farm expenses.

That suggests, of the US $1.85/lb a roaster paid their exporter, that the farmer may have only received US $1.11/lb for what is by definition a specialty coffee, with superior coffee flavors and typically increased farming costs.

With production costs averaging at least US $1.20/lb for many Latin American coffee farmers, if not more, this US $1.85/lb FOB price becomes problematic. Roasters and consumers may be led to believe the premiums they’re paying are helping the farmer stay in business, when in reality, the FOB price is masking the fact the farmer lost money when roasters bought their specialty coffee.

The good news is that the calculations change dramatically if a farmer takes home 80% of the FOB price. At US $1.48/lb green, a farmer might be covering production costs and making a premium. If their production costs are US $1.20/lb, they’ll see per-pound profits of 28¢.

How can a roaster know whether the farmer received 60% or 80% of the FOB price? They could investigate the costs of every intermediary between the farmer and the exporter. An easier method would be to simply know the price paid to the farmer.

Claudia Samboni, Dayana Chimonja, Rodrigo Sanchez, and Victor Lopez work on a coffee farm in Huila, Colombia. Credit: Rodrigo Sanchez

What Is Farmgate Pricing & Why Is It More Transparent?

“You deliver your coffee [to the mill], they pay you the daily market price, and that’s it,” says Rodrigo Sanchez Valencia, a fourth-generation Colombian coffee farmer from Huila whose coffee is available with farmgate-verified prices via iFinca.

But months later, “many times, you realize that your coffee is being marketed as a super-exceptional coffee, with your name in the international markets,” he adds. (Translated from Spanish.)

This daily price that Rodrigo often receives is the farmgate price – the price paid directly to the farmer, not to traders and mills.

It’s not that the mills are necessarily trying to underpay Rodrigo and other farmers. Sometimes, the discrepancy occurs simply because farmers deliver cherry or parchment to the mills in bulk. It’s not yet clear if the coffee will cup well after it’s been processed.

“Now fast forward three months down the line, that coffee has been cupped and scored really well and it fetches a really good price on the market based on its high quality,” Justin tells me.

The mill or exporter could send a quality bonus back to the producer. Yet with limited traceability, it’s hard to see if this actually happens. “Normally, what would happen is that whoever was the final seller of that product, maybe the exporter, would keep all that… bonus money,” Justin says.

This can be frustrating for roasters who want to run an ethical business and have paid a high FOB price, expecting the farmer to receive significantly more than the lower end of the prices offered by mills.

Farmgate pricing removes all this confusion and makes the coffee supply chain truly transparent.

Yet until the invention of innovative platforms such as the iFinca mobile app which uses Coffeechain – as blockchain verification platform, it was often impossible to access this data, trust that it was correct, or link it up with quality bonuses paid later in the season.

Christian Muños, the Processing Manager of Finca Monteblanco, Huila, Colombia, pours coffee cherries onto a covered drying patio. Photo credit: Rodrigo Sanchez

Why Farmgate Pricing Is Traditionally Difficult to Find Out

Justin tells me about a cooperative he visited in rural Haiti, where they had “a very accurate ledger system of each farmer’s name, how much cherry they brought to the cooperative, and how much was paid to [each] farmer” – i.e. farmgate prices.

If a roaster wanted to know these, in theory, they could ask their importer. But Justin tells me that the importer would often be unable to access that information. “Me, a roaster buying that product… You know, I can ask the importer, but then the importer has to ask the exporter or the exporter asks… the big cooperative, the big cooperative has to ask the small cooperative,” he says.

Because the coffee has changed hands so many times, a simple information request can quickly become a burdensome trail of emails that tread on commercial sensitivities.

Horsham Coffee Roaster Co-owner Bradley seconds this sentiment. “In our experience, we’ve found that most coffee importers simply aren’t able to get hold of this data. While some don’t want to share financials, even those that do aren’t always able to get hold of farmgate prices as the data can be difficult to work out in some countries.”

And even if you go back to the local cooperative or mill that paid the farmgate prices, it’s hard to pinpoint your specific lot of coffee if “all the coffee goes into a community lot and it’s all mixed together,” as Justin tells me. Outside of direct trading arrangements with coffee farms, coffee beans are often combined at each stage of their journey to the roaster.

Miguel Medina picks the first ripe coffee cherries to appear on Finca Monteblanco, Huila Colombia. Credit: Rodrigo Sanchez

Why Even Direct Traders Might Struggle to Tell You Farmgate

Some roasters source coffee directly from a farmer – but obtaining accurate farmgate prices can still be difficult for them, even though they’re the ones paying it.

Bradley purchases his green beans directly from farms in Rwanda, Kenya, Costa Rica, and Brazil, as well as from importers. He also makes purchases through the iFinca app that provides verified farmgate prices per pound in US dollars.

He tells me that even when buying directly, he still relies on the FOB price when calculating farmgate. “It can still be challenging. We have to work out the data usually by working backwards to remove the export costs from the FOB pricing.”

This is a product of the fact that when farmers deliver coffee to their local mills, they deliver their coffee in bulk in multiple rounds as the harvest season unfolds. In these sacks of tightly compressed coffee beans, some exceptional, individual coffee beans will be surrounded by their inferior cousins. During the milling process, the beans are re-grouped according to quality.

Each consignment of coffee from the farmers to the mill will also be priced differently due to the fluctuations of the market rate, meaning that different farmgate prices will be paid depending on the day. This makes knowing the farmgate price an even greater challenge since it’s unclear which of the many sacks of unprocessed coffees their exceptional micro lot has been sourced from.

Once a roaster knows what the farmer was paid, conversions are then necessary. They need to navigate local units of weight, such as the Colombian carga compared to a Salvadoran quintale, not to mention the weight and processing differences between consigning parchment versus cherries.

Coffee being weighed at a Finca a Candela in Colombia. Credit: Yolima Taborda Paisa Coffee

Farmgate has been discussed by traders for a long time now, but often dismissed as impossible to find out. Yet times are changing – and for the better. Farmgate offers a true insight into whether coffee prices are sustainable, and as an industry, we need to hold ourselves to this high standard.

As Bradley says, “We’ve worked very hard to source as many coffees as possible that offer true transparency and traceability. Knowing the farmgate price means we can communicate this with our customers and we find that most customers love the transparency.”

Enjoyed this? Read Blockchain & Coffee: Separating The Marketing From The Reality

Written by James Harper. Feature photo: Christian Muños, the Processing Manager at Finca Monteblanco, Huila, Colombia, carries cherries to the covered drying patio. Feature photo credit: Rodrigo Sanchez

Please note: This article has been sponsored by iFinca.

Want to read more articles like this? Sign up for our newsletter!

The post Coffee Pricing: Why We Need to Know Farmgate And Not Just FOB appeared first on Perfect Daily Grind.

Coffee Pricing: Why We Need to Know Farmgate And Not Just FOB published first on https://espressoexpertweb.weebly.com/

0 notes