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How to Get Incentives in Gujarat for Manufacturing Industry?
Gujarat, renowned for its progressive industrial policies, offers a range of incentives to foster growth within the manufacturing sector. One such incentive that significantly Benefit for the Manufacturing Industries in Gujarat. This policy aims to boost industrial productivity by reducing the operational costs associated with electricity consumption. Let’s delve into the details of this how to get Incentives in Gujarat for Manufacturing Industry and how manufacturing units can leverage it for their advantage.
Understanding Electricity Duty Exemption:
Gujarat’s Electricity Duty Exemption policy exempts eligible manufacturing units from paying electricity duty on the power consumed for manufacturing processes. This exemption applies to:
Industries categorized under manufacturing, production, or processing.
Units consuming electricity for manufacturing purposes within the state.
Eligibility Criteria:
To avail of this incentive, manufacturing units must fulfill specific criteria:
Category of Industry: The unit must belong to the manufacturing, production, or processing sector.
Location: The unit should be located within Gujarat and must use electricity for manufacturing operations.
Compliance: Compliance with relevant regulations, including obtaining necessary clearances and adhering to environmental norms, is crucial.
Application Process:
Documentation: Prepare and submit necessary documents such as the application form, proof of manufacturing activity, electricity bills, and other requisite paperwork.
Submission: Submit the application to the concerned authority along with supporting documents.
Approval: Upon verification and fulfillment of criteria, the concerned authority grants approval for the exemption.
Benefits for Manufacturing Units:
Cost Reduction: Exemption from electricity duty leads to significant cost savings, enhancing the unit’s competitiveness.
Operational Efficiency: Lower operational expenses contribute to improved productivity and increased efficiency within the manufacturing process.
Investment Promotion: Such incentives attract further investments, encouraging the establishment and expansion of manufacturing units within Gujarat.
Conclusion:
Gujarat’s Electricity Duty Exemption for the manufacturing industry stands as a testament to the state’s commitment to fostering industrial growth. For manufacturing units eyeing expansion or considering Gujarat as a base, leveraging these incentives becomes a strategic move.
By availing themselves of such exemptions, manufacturers not only benefit from reduced operational costs but also contribute to the state’s economic development. It’s essential for interested units to thoroughly understand the eligibility criteria and application process to harness the full potential of these incentives.
Embracing these policies aligns with the state’s vision of creating a conducive environment for industrial growth, paving the way for a thriving manufacturing landscape in Gujarat.
To Know More Details on Electricity Bill , Incentive & Subsidy For your Manufacturing factory Schedule a Free consultation today & Reduce electricity bill for manufacturing industries .
Visit us : https://wa.link/ub4suc
Contact No.: 98223 04985
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How a Richmond Hill Bankruptcy Advisor Can Aid in Your Debt Relief
An insolvency advisor in Richmond Hill can help you comprehend how the bankruptcy procedure works to help you get financial obligation relief. An accredited insolvency trustee, or LIT (previously called a personal bankruptcy trustee), can be this kind of consultant.
A LIT can give insightful, timely and practical suggestions and orient you in the right direction as you deal with life-changing choices in a precarious financial circumstance.
Comprehending How Insolvency Functions
Bankruptcy in Canada is a legal proceeding handled in federal courts, following guidelines according to the Personal bankruptcy and Insolvency Act.
When an individual can no longer repay arrears, declaring personal bankruptcy can provide a fresh monetary start. It does this by disposing of unsecured debts, such as charge card financial obligations and medical expenses, while offering the debtor instant protection from financial institution actions like harassing collection calls and legal risks, while at the same time permitting some procedure of payment to the creditors utilizing the individual's possessions to repay a portion of the outstanding debt.
In theory, it's a win-win agreement for everyone involved; the bankrupt individual gets relief from crippling debt and creditors get a reasonable share of the settlement for what they are owed.
When you total the number of bankruptcy duties and requirements, you get your discharge. The discharge from personal bankruptcy is what removes all debts declared in the bankruptcy filing.
Debts In Personal Bankruptcy
Personal bankruptcy can get rid of most unsecured debts, including:
credit card financial obligations,
medical bills,
lines of credit,
unsecured bank loans,
tax debts,
payday advance,
unpaid utility bills, such as electrical and telephone bills.
Safe financial obligations such as home mortgages and auto loans that are guaranteed with an asset or security can not be incurred in bankruptcy.
These financial obligations receive unique treatment in insolvency:
Trainee loans that are less than 7 years old (if trainee loans are between 5 and 7 years old, the trustee might appeal and make a challenge application to have them consisted of).
Kid assistance payments.
Spousal support/ spousal support payments.
The court ordered fines and restitution payments.
Debts acquired from deceitful activities.
Richmond Hill Insolvency Exemptions
When you're faced with overwhelming debt and simply do not have a method to repay your creditors, the primary step is to talk with a certified insolvency trustee. A LIT will examine your monetary scenario and help you decide if filing for insolvency is the very best service for your financial issues.
Determining and assessing your finances will include an evaluation of:
Your earnings and budget, because you will be required to make a month-to-month payment into your personal bankruptcy based upon government limitations embedded in the Bankruptcy and Insolvency Act. If your earnings are above the limit, you are required to pay for surplus income.
Your possessions may be utilized to repay the outstanding debt.
Though your assets might be sold and used for repayment of debts, insolvency laws in Canada enable exemptions based on where you live.
If you declare personal bankruptcy in Richmond Hill, you can keep:
Individual clothing for you and your dependents.
Family furnishings and home appliances.
Equipment/tools that you use to earn money are worth as much as $14,405.
All RRSP, RRIF, and SPSP savings, other than contributions made in the last 12 months before bankruptcy filing.
Automobile, truck, or any motor vehicle worth up to $7,117.
Your home, if the equity does not exceed $10,783.
If your home has an equity value over the exemption limit, your LIT can help you make plans with your lenders to buy back the asset by paying off the amount that exceeds the limit.
Your LIT can also explore other financial obligation relief alternatives to keep you home while still dealing with your debt. Insolvency options can consist of a debt management plan or a customer proposal.
How Do You Submit Personal Bankruptcy?
A licensed insolvency trustee will do all the paperwork and filing for you. After your initial consultation, when you have actually examined all your choices and decided that bankruptcy is the best option, you will need to provide more personal details to complete all of the needed documents. Your trustee will also assist in the process of preparing a proposition or official strategy for your creditors.
When all the documents are signed, the trustee will send all the paperwork to the workplace of the Superintendent of Personal Bankruptcy (OSB) and send a bankruptcy notice to all your financial institutions. At this moment, you are considered lawfully insolvent and this can not be reversed without a court order.
Upon submitting the insolvency, the automated stay of proceedings immediately works. This prevents creditors from continuing any collection actions against you. This stress eliminating feature "stays" or stops annoying phone calls, wage garnishments, freezing your bank accounts, and taking legal action against you.
If financial institutions continue to bug you, the automated stay gives you the legal protection to sue them and take them to court.
As a legally insolvent individual, you are required to carry out several insolvency tasks. These duties consist of:.
make your monthly payments.
attend 2 counseling sessions.
Report your earnings and costs regularly to your trustee,. offer essential tax details.
attend a creditors' meeting or evaluation, if needed.
If a financial institution's meeting or examination with the Official Receiver is called during the insolvency process, you will get a notice and will be required to take care of and respond to numerous questions under oath about your financial affairs.
Your trustee will meet with you before the meeting or evaluation to go through a number of questions you are likely to be asked, and help you prepare for the assessment.
An automated insolvency discharge will apply after 9 months for a first-time bankrupt. A creditor, your trustee, or the Superintendent of Personal Bankruptcy can oppose your discharge if you have not completed any bankruptcy requirements.
Your personal bankruptcy can also take longer than nine months if you have surplus income. If you have effectively completed your bankruptcy responsibilities, your discharge will not be challenged, and you can begin a new life with a fresh monetary start.
If you are thinking about eliminating unmanageable debt, speaking to an insolvency advisor in Richmond Hill can help put things in perspective. A licensed insolvency trustee is the best consultant you can talk to, as they are the only debt professionals accredited by the federal government to deal with these legal procedures.
They can help you understand how insolvency will affect you and your family and guide you through options that can likewise handle your debt problems.
#bankruptcy advisor richmond hill#richard killen trustee#business#bankruptcy services brampton#credit counselling brampton
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How to get GST Registration in Bangalore
Launched on national holiday 2017, the products & Services Tax (GST) applies to all or any Indian service suppliers (including freelancers), traders, and makers. a spread of Central taxes like Service Tax, Excise Duty, CST, and state taxes like amusement Tax, Luxury Tax, Octroi, VAT are absorbed in one tax – GST, enforced on 01.07.2017.GST is to be charged at each step of the availability chain, with full set-off advantages accessible. The procedure for GST Registration Consultants in Bangalore is entirely on-line and needs no manual intervention. Launched on national holiday 2017, the products & How-to GST Registration in Bangalore
Services Tax (GST) applies to all or any Indian service suppliers (including freelancers), traders, and makers. a spread of Central taxes like Service Tax, Excise Duty, CST, and state taxes like amusement Tax, Luxury Tax, Octroi, VAT are absorbed in one tax – GST, enforced on 01.07.2017.GST is to be charged at each step of the availability chain, with full set-off advantages accessible.
Items that are thought of as basic requirements come back underneath the exempt list. products like computers and processed food are taxed at the 12-tone system. Hair oil, dentifrice, and soaps, capital merchandise, industrial intermediaries, and services are taxed at eighteen. A GST Registration provider in Bangalore comes back could be a document containing details of financial gain that's needed to be filed as per the law with the tax authorities. Under the GST law, a payer has got to submit 2 comebacks on a monthly basis and one such return annually. Please note that there's no provision for rewriting the returns. All invoices for the previous tax amount that went unreported should be enclosed within the current month. Under GST, Top GST Consultants in Bangalore registered dealer has got to file GST returns that include: Purchases, Sales, Output, GST (On sales), and Input reduction (GST paid on purchases). GSTIN could be a distinctive number given to every GST payer. To verify a GSTIN range someone United Nations agency features a GST range will log onto the GST portal. What is the GSTN (Goods and repair Tax Network)? The merchandise and repair Tax Network (or GSTN) are section eight (non-profit), non-government, non-public Ld. GSTN could be a one-stop answer for all of your taxation needs. GSTN is chargeable for maintaining the Indirect Taxation platform for GST to assist you to prepare, file, rectify returns, and build payments of your taxation liabilities. The list of documents needed for registration of GST for numerous businesses are as follows: The following is shown as proof of address of a director: -Add what works as identity proof, one will use a PAN Card, Aadhar Card as identity proof. For address proof, any of the director’s will show their voters ID, passport, account, electricity bill, and account. One of our GST representatives can collect all the specified documents and method the GST application through the CFO platform. Once all the documents are collected, the applying is going to be processed and filed. Then forthwith the ARN range is going to be issued.
How to get GST Registration in Bangalore?
Are you looking to get GST Registration Consultants in Bangalore? then we are here to help you to get register your organization under GST. Consultry is the top GST Consultants in Bangalore, to provide GST Services at an affordable cost. feel free to send your inquiry to [email protected] or feel free to contact: 7975187793 or visit https://www.consultry.in/.
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The Chase Files Daily Newscap 26/11/2019
Good Morning #realdreamchasers. Here is your daily news cap for Tueday, November 26th, 2019. There is a lot to read and digest so take your time. Remember you can read full articles via Barbados Government Information Service (BGIS), Barbados Today (BT), or by purchasing a Daily Nation Newspaper (DN).
PAC GRILLS EX-MANAGER – The Public Accounts Committee (PAC) had lots of questions for former quality assurance manager at the Transport Board, Sylvan Codrington, yesterday, but for chairman Bishop Joseph Atherley his answers were mainly “vague”. However, Codrington, who worked at the state-owned agency for 45 years, 13 as quality assurance manager, was definitive about the thousands of dollars shelled out by the board for parts for buses that continued to break down after they were serviced and fitted with parts. He also expressed his past frustration at being unable to take some actions he considered within his purview. For example, he spoke of a $1.7 million bill for transmissions for 14 buses, and yet those same buses encountered repeated breakdowns. (DN)
CONSULTANTS HIRING AT TRANSPORT BOARD QUESTIONED – Shocked! That’s how the former Quality Assurance Manager at the Transport Board Sylvan Codrington said he felt after learning that Trinidadian David Bartholomew had been hired as a consultant at the state-owned enterprise. Speaking before the Public Accounts Committee (PAC) in Parliament this afternoon, Codrington said he was surprised Bartholomew was given the job as he had served in a different capacity while working in Trinidad. He made the admission after PAC chairman Reverend Joseph Atherley asked him whether he believed it was an error to engage Bartholomew’s services as a consultant. The Trinidadian was hired by the Transport Board in March 2016 on an initial six-month contract, to undertake the repair of 200 defective buses.. Codrington revealed that his duty as Quality Assurance Manager was to oversee all the engineering aspects for the Transport Board. “When he came to Barbados as the consultant I was taken aback because when I visited the Trinidadian Bus Company he was deputy engineer with that company. Then months after I heard he was a consultant with us, so I was shocked,” replied Codrington, who was QA manager from 2005 to 2018 . When further questioned by Atherley about his perception of Bartholomew’s effectiveness in the role, Codrington said, “It wasn’t coming over to me very clear as to what he was seeing because he was in one capacity and then he went into another capacity and operating as a consultant.” Despite those views, Codrington said he worked closely with Bartholomew. He said there was a spirit of cooperation between them even though from time to time “they had their differences with the engineering aspects of things”. However, Codrington took issue with certain notes which Bartholomew made in respect of the operations of the Quality Assurance Department. In a report handed over to the management of the Transport Board, Bartholomew claimed that personnel from the Transport Board’s Quality Assurance team had not visited service providers for an extended period and that there appeared to be a casual approach to the repair and return of buses. “That is incorrect,” Codrington emphatically stated. Bartholomew also suggested that the QA department lacked “the managerial and administrative skills needed to effectively monitor and manage the units at the external service providers…” But in rebuttal, Codrington said while he had a staff of 30 persons working in that department, only five were sufficiently trained. He said there was also a need for more staff. Codrington, who worked with the Transport Board for 46 years before retiring on December 31, 2018, denied that the QA department, which he managed, circumvented operating procedures at any time during his tenure. “We did not circumvent any operating procedures. Not to my knowledge,” he contended. In fact, Codrington said he considered his time in charge of the QA department a success noting that there over 100 buses in service, a far cry from the less than 70 in operation now. “It was a success. Based on my knowledge and when I left office I had something looking like 115 or so buses on the road and now that I am out of office I was made to understand that there 50 and 70 [buses] and they aren’t making it into the hundreds at all,” Codrington said. (BT)
PAYBACK FOR POWER OUTAGES STILL POSSIBLE – The utility regulator is giving the assurance that investigations are being carried out regarding the recent power outages, and “an appropriate action” will then be taken regarding compensation. This comes amidst increasing calls from residents and business operators for the Barbados Light & Power Company (BL&P) to pay consumers for two consecutive days of power blackouts last week. Information Specialist with the Fair Trading Commission (FTC) Nekaelia Hutchinson-Holder was not in a position to say if customers would definitely be credited for the break in service, or when. However, she pointed out that there was a process that affected customers had to go through. “Investigations are still ongoing as to the circumstances surrounding the electricity outages,” said Hutchinson-Holder. “As a result, appropriate action with regard to claims will be determined following an examination of the nature and cause of the outages,” she said. On Monday morning November 18 around 7:29, the BL&P’s approximately 130,000 customers were left without electricity for most of the day. While about 50 per cent of the power had been restored around 3 p.m. many remained with electrical power up until 11 p.m. when the full restoration was completed. The following day, the power went off and due to load sharing, customers then witnessed intermittent outages, which were compounded by water outages. The BL&P blamed contaminated fuel and aging generators for the disruption in service, which took individuals and businesses by surprise. The board of the electric utility company was asked to meet on the matter of compensation, but officials promised to speak to customers on that issue at a later date. In a brief statement, Hutchinson-Holder told Barbados TODAY the claims process for the BL&P included the completion of the Guaranteed Standards of Service Claim form on the BL&P website. “The form should be completed and returned to the BL&P’s customer service office at Garrison Hill, St Michael within three months of the date of the event giving rise to the claim,” she said. “The utility must then be given 14 business days to address the claim. If the customer is not satisfied with the outcome, they may contact the Fair Trading Commission for assistance. The Standards of Service, which outline each standard and the corresponding compensation when the standard is breached, may be accessed at the Utility Regulation link at www.ftc.gov.bb. Compensation is generally given in the form of a credit on the customer’s account,” she added. She also pointed out that in the case where an outage arises due to circumstances outside of the utility’s control, the utility company would be exempt from the Standards of Service requirements. (BT)
REVERSE TAX CREDIT COMING – Lower income Barbadians will soon be on the receiving end of a Government policy intended to offset some of the burden being borne by citizens under the Barbados Economic Recovery and Transformation (BERT), according to a top economic advisor to Government. Chief Economic Advisor to the Ministry of Finance, Economic Affairs and Investment Ambassador Dr Clyde Mascoll, while addressing the congregation at St Luke’s Anglican Church over the weekend revealed the reverse tax credit promised in the PM’s March 2019 budget speech would be honoured next month. The tax credits amount to $1300 for Barbadians earning less than $25,000 a year and according to Mascoll, have been made possible because of Government’s ability to stabilise the economy in a short time. This, he argued allowed Government to “re-engineer a few things”, allowing those at the bottom of the “economic barrel” to benefit from “unprecedented tax relief” since July this year. The economic advisor however indicated that the reverse tax credit could not be distributed monthly, hence why it is being disbursed as a $1300 lump sum payment. “It can’t be given monthly, so you may not have seen the immediate effects, but starting this month, Barbadians earning less than $25,000 a year will all receive a reverse tax credit to the tune of $1300, but that could not have been granted immediately,” Mascoll said during the service at which the officials of the Barbados Trust Loan Fund were the special guests. He added: “What is also happening that people are not realising is that we do other transfers to help the poor. The reason why we decided to pay university fees for Barbadians is because only the poor would be affected. So when you start to repay university fees you again start giving opportunities to the poor.” Amid the benefits being given to low income citizens, Mascoll stressed workers were not the burden-bearers of Government’s intensive austerity programme. Instead, he claimed commercial banks, insurance companies and large bond investors were making the greatest sacrifices. He added that the country has been able to stay above the line in interest payments to external creditors totalling $500 million a year. In addition to the cash being given during the yuletide season, Mascoll promised that other social services would be improved, including garbage collection and public transportation. “We also decided apart from education we had to rectify the social sectors because we were experiencing some difficulties in terms of garbage collection. But I am here to tell you that will soon be solved, because the trucks have been purchased. Last year at this same time we only had 12 garbage trucks and we now have 22 working,” said the economic advisor. (BT)
WOMEN’S CHOICE FOR MORE CHILDREN – Women have the power of choice to determine if they want children or not. Executive director of the Barbados Family Planning Association (BFPA), Anderson Langdon, said that in the 21st century, women should not be pressured into having children merely to prop up national insurance coverage and retirement funds. He was speaking against the background of statements made by Minister of Home Affairs last week when 64 people were inducted as citizens of Barbados. Hinkson said then the National Insurance Scheme and Pension Scheme were on the verge of collapsing due to the island’s low birth rate. (DN)
GREAT HOPE FOR GHANAIAN NURSES – Nurses coming from Ghana to work at the Queen Elizabeth Hospital (QEH) and other public health care facilities are experienced and highly certified in specialty areas. This assurance came from the Executive Chairman of the QEH Juliette Bynoe-Sutherland who said that the nurses being recruited to start work from January 2020 were equipped with post basic qualifications. The hospital chief and a team of local health authorities recently returned from Ghana where they interviewed over 100 Ghanaian nurses. “We are really pleased with the quality of nurses that we saw in Ghana. They are solid nurses and I think they would be a complement to the nursing team that we have here. “We are going to get the opportunity to bring nurses in with specialist skills. And what is wonderful, is because it is a government-to-government programme they are coming to work with us, they are going to be having the same salaries and conditions of work as Barbadian nurses. “I understand that people have said that they are going to be paid different and better, that is not the case, that would be an industrial relations nightmare. There is a scale for nursing and it would be based on your years of experience and qualification,” she said. Speaking to members of the media following the hospital’s 55th Anniversary Service, held at QEH’s Chapel, this morning, Bynoe-Sutherland also indicated that Ghanaian nurses would receive a gratuity instead of a pension. “But as you have heard from the nursing fraternity, we need hundreds of nurses, so we don’t have enough of a throughput of local nurses. We are going to have to continue to supplement until we are able to get our basic and post basic programming up to provide the numbers that we require,” Bynoe-Sutherland added. Last Friday, Minister of Foreign Affairs Dr Jerome Walcott signed an agreement for the recruitment of 120 nurses from Ghana. The agreement was signed when Prime Minister Mia Mottley paid a courtesy call on President Nana Akufo-Addo in Ghana. (BT)
REPUBLIC MEETING FALLS THROUGH – The latest meeting to resolve the dispute involving staff at Republic Bank did not come off yesterday. Management and staff of the bank had converged at the Labour Department in Warrens, St Michael, along with deputy general secretary of the Barbados Workers’ Union (BWU), Dwaine Paul, before 10 a.m. Both parties remained tight-lipped before the meeting was scheduled to begin, with Republic’s managing director Anthony Clerk declining comment and Paul saying he preferred to speak after the meeting. However, the meeting never took place as it was reported that Minister of Labour Colin Jordan was unavailable. (DN)
PSVS GIVE NOD TO TWO-MONTH TRIAL – The Association of Public Transport Operators (APTO) is not opposed to the recent decision by the Transport Authority to enforce the controversial five-minute rule for a trial period of two months. The body’s chairman Kenneth Kenny Best told Barbados TODAY while the decision had been accepted by its members, he was hoping that once the 60-day trial was over the authority would uphold its promise to share the information with permit holders of public service vehicles (PSVs). Just over a week ago, the Transport Authority informed PSV owners whose vehicles utilize the Constitution River Terminal (CRT) that they would be limited to using the loading bays five minutes in peak hours and ten minutes during off-peak hours. In a letter circulated to owners, the authority gave the assurance that data would be collected during that period and a report would be prepared and made available to PSV permit holders on its findings and recommendations. Best said he was satisfied that the authority had listened to some of APTO’s suggestions. “We put forward some proposals and after the meeting with APTO and AOPT [Alliance Owners of Public Transport], everyone came up with similar ideas for the improvement of the sector. “Some of our suggestions were taken into consideration because at one point it was a blanket five-minute rule and then we were able to get them to change it to peak and off-peak periods,” Best said.
“I would hope that the information and the data would be shared, so I am looking for that day to come so we would know where we’re at going forward.” Back in September, upset and irate PSV operators staged a protest following the authority’s decision to restrict their loading times in the CRT’s bays to just five minutes. A few days later the authority’s chairman Ian Estwick said following discussions, a decision had been taken to extend the loading time to ten minutes during off-peak hours ((5 a.m. to 6 a.m. and 6:30 p.m. to 11 p.m.) He pointed out that the five-minute rule during peak hours (6 a.m. to 10 a.m. and 2:30 p.m. to 6:30 p.m.) would remain. Surprisingly though, Best said APTO members had accepted the authority’s most recent decision without much fuss. “We have had no complaints thus far. I don’t know if the other association had complaints but I haven’t had any complaints at all,” he said. Efforts to reach public relations officer for AOPT Mark Haynes proved unsuccessful. (BT)
DO MORE TO FIGHT VIOLENCE AGAINST WOMEN, CARIBBEAN URGED – Caribbean countries are being urged to do more to deal with the issue of violence against women as the region Monday joins the global community in observing International Day for the Elimination of Violence Against Women. In a statement, the UN Women Multi-Country Office (MCO) Caribbean Representative Alison McLean said research conducted in the Caribbean in the past two years reinforced that violence against women and girls (VAWG) including rape is so entrenched and normalised that both men and women have a high tolerance for its manifestations. She said notwithstanding women’s well-known and often-touted gains in public life and the introduction of laws, policies and initiatives to promote women’s equality, prevailing socio-cultural attitudes that perpetuate unequal and hierarchical power relations reinforcing notions of female subordination and male domination, mitigate against these gains and in turn fuel VAWG. The UN Secretary-General’s UNiTE by 2030 to End Violence against Women campaign is focusing on rape as a specific form of harm committed against women and girls, in times of peace or war. The UN System’s 16 Days of Activism to End Violence Against Women and Girls activities is taking place under the global theme Orange the World: Generation Equality Stands Against Rape. McLean said that the UN Women-supported research, which is available for four Caribbean countries to date, shows non-partner sexual violence (NPSV) which includes rape, attempted rape, unwanted sexual touching, and sexual harassment, is reported at significantly higher rates than intimate partner sexual violence and a significant risk factor is being young. In Guyana, most women reporting sexual IPV reported being forced to have sexual intercourse when they did not want to and nearly as many women reported having sexual intercourse with their partner because they were afraid to refuse. On the other hand, one in every five women in Guyana reported non-partner sexual abuse in their lifetime; with a significant number experiencing this abuse before the age of 18. One-fifth of Jamaican women reported being sexually abused before reaching 18 years of age. Further one in seven women reported that their first sexual experience was before the age of 15 years. Under Jamaican law, the age of consent is 16 years old; any sexual intercourse under that age is statutory rape. The Suriname GBV prevalence survey revealed that the prevalence of NPSV among all women is almost double that of sexual IPV/intimate partner violence. In Trinidad and Tobago, the prevalence of NPSV is almost four times higher than that of sexual IPV. McLean said that without reliable and relevant data, it is not possible to adequately treat, reduce and prevent violence against women and girls. “UN Women has invested significantly in supporting member states in strengthening capacities to fill the data gaps on violence against women and girls. Working with regional partners, the Caribbean Development Bank and CARICOM, we developed the CARICOM Prevalence Survey Model. “The CARICOM Model is based on the long-tested global World Health Organization (WHO) model which is considered internationally to be the best practice for national, population-based studies on prevalence data on GBV.” She said this CARICOM model also “allows us to capture information on the consequences of GBV for women, their children and families, women’s help-seeking behaviours and risk and protective factors for violence. It allows in a real way for the voices of women and girls to be heard.” She said national-level efforts should seek to de-stigmatize the experience of intimate partner violence and to shift gender norms and roles in order to create a society in which violence against women is openly rejected and firmly addressed. Information on where women seek help and where they do not, should inform how services to support victims should be designed and located. Data on women’s and girls’ vulnerabilities, partner characteristics and other socio-demographic factors should guide how to prevent and respond to this violence,” she said. The MCO Caribbean Representative said UN Women, along with other UN agencies will be using the data gathered from these surveys to support national efforts to prevent intimate partner violence through school-based and community-based initiatives; including working with men and boys through Batterer Intervention and Prevention programmes and private sector initiatives that prevent work-related spillovers of family violence to create safe spaces at work. (BT)
MONEY NO PROBLEM FOR QUALITY DATA – Lawmakers were today warned not to allow the state of the economy to jeopardize the country’s chances of having quality and up-to-date information so better decisions can be made at all levels. Francisco Javier Urra, the Inter-American Development Bank’s Chief of Operations for Barbados and the Eastern Caribbean suggested that the hemispheric bank would provide the funds to help nations gather reliable data. Urra was speaking at the opening of the Caribbean thematic conference: Managing a Statistical Organization in Times of Change at UN House on Monday. Acknowledging that Barbados was currently undergoing an International Monetary Fund-backed (IMF) programme, Urra said it was now common for the IDB, which is also providing support, to have regular discussions with Government about making “strategic choices about budget allocation”. He declared: “We at the IDB, we believe that undermining the capacity of a country to have solid and accessible data would be a terrible mistake.” Stressing the importance of timely statistics for “good decision-making”, the IDB official said poverty and other issues facing the region were becoming more complex, required “good data” in order to find solutions. Urea said: “This is why for policymakers, for high-level officials, for those who try to enable policies that are cross-cutting, having that ground it is almost like a beacon in this time of austerity and this time of information and fake news. “So the role of having strong statistical offices is more relevant than ever.” Over the last two decades, the bank had provided $60 million (US$30 million) in the form of loans and technical assistance for the region’s statistical development. Barbados is in line for an $80 million (US$40 million) IDB loan to help modernize the public sector, including the upgrading of the Barbados Statistical Service (BSS). Praising Government for its modernization efforts, Urra disclosed that the loan should be approved by Wednesday. But he pointed out that while Barbados and other Caribbean countries performed “relatively well” in a number of areas of development when compared to Latin America and other countries, there was a lack of quality data, which he described as a “complicated situation”. Declaring that adequate data “goes beyond the walls” of the national statistical departments in the region, Urra said the IDB was willing to work closer with those agencies so they could help to strengthen the data collecting capacity of ministries and other agencies. Pointing to the Queen Elizabeth Hospital (QEH) as an example of an institution that was lacking critical data, Urra pointed out that without critical statistics it would be difficult for the island’s main medical institution to get technical assistance from some development partners. While the digitisation of the BSS has started, the agency’s work has been set back by a lack of money and manpower. BSS director Aubrey Browne said the last modernization exercise ended two years ago with recommendations for a change in the agency’s organizational structure so that several units would produce statistics to be fed into a national digital database which would then be available to the public. Browne said: “One of the things we really have to work on now is developing a release calendar for the release of statistics. “We still have a way to go in terms of that development and the main challenge is [not] having the available resources to support the statistical organizations. “As you would be aware we are still operating under an IMF programme so we are having challenges in allocating resources. That is the main challenge we are facing at this time. “So right now we are operating at less than optimal situation.” Browne give an assurance that Government was moving with alacrity to sort out the BSS’s issues. Statistician with the CDB Dindial Ramrattan warned that demands from residents were constantly increasing, and if officials were not ready to deliver timely and adequate data they would have to contend with “fake news” and incorrect use of available information. Adding that the increased data demand was also driving increased scrutiny, and that technology was changing the way information was being shared, he said national data collecting agencies should operate in a timely and efficient manner by being “proactive, reactive and responsive”. The CDB official also urged Caribbean countries to learn from each other, development partners and the rest of the world, as he called for a change in mindset “where we are more social in how we deal with our matters, recognizing that social media, while our best friend with free marketing and free publicity, is also our biggest critic that is not always with accurate facts”. (BT)
FOUR MAIN REASONS WHY YOUTH CAUGHT IN CRIME WEB – With more than six out of ten ex-convicts caught in a criminal justice revolving door, the Government’s top crime researcher and a panel of experts worry that an “unforgiving society”, childhood trauma, drug abuse and mental health issues work to keep young people trapped in a life of crime and violence. Director of the Criminal Justice Planning and Research Unit, Cheryl Willoughby, expressing concern at the rate at which people who had been jailed end up back behind bars also noted that many employers appear to punish ex-cons after they’ve paid their debt to society – by refusing to hire them. She said: “The recidivism rate is now over 65%, and in our research, we found that substance abuse problems were among the factors contributing to this, along with mental health issues that they were being treated for in prison but they stopped after they were released. “Another matter that concerns us is when we look at unemployment of ex-offenders, 70 per cent of employers said they never employed anyone who went to prison, and 50 per cent said they would not employ anyone who had gone to prison.” Willoughby was among experts appearing in a Barbados Society of Psychologists’ panel discussion on Preventing Youth Violence at the Barbados Public Workers Cooperative Credit Union’s Harcourt Lewis Centre. Principal Consultant at the Potter Centre, Toney Olton blamed a lack of job opportunities for ex-prisoners on an “unforgiving society”. He added: “A lot of places are asking for Police Certificates of Character as well, and if the Certificate of Character does not expose the person’s past, someone in the community will call and let the employer know the person has a criminal record, which jeopardises them in the job.” But the experts agreed there was little attempt to get to the real root of youth violence and crime or seek to understand the psychological issues behind the rising tide of homicides and assaults. Olton said: “All learning has an emotional basis. In today’s society, the busyness of parents and guardians means that they are spending less time with their children, and have replaced affection and guidance with material things. “Many of our children also experience abuse and neglect fuelled by frustrated and emotionally unintelligent parents and the fragmentation of the family unit.” In comparing the violence to a volcano, Olton declared: “Once the lava is spitting, there is a lot going on under the surface; and in this case, the lava we are not seeing are feelings of inadequacy, inferiority, feelings of abandonment, unresourcefulness, sadness, depression, resentment and anger.” Primary Coordinator at the Substance Abuse Foundation, Allison Gotip, said while the majority of her clients were between the ages of 18 and 35, two children aged 13 and 15 are now on her list. Childhood trauma, such as abuse in all its forms, tended to lead to addiction, violent behaviour or even suicide, she said, expressing concern that children were not allowed to express their emotions freely and there was still too much of a stigma attached to mental health issues in Barbados. Gotip said: “We must allow our children to have a voice, to start listening to them and have meaningful conversations with them. “We have also found that when people come into our facilities in the throes of addiction, they have a lot of undiagnosed mental illnesses because there is a stigma to having mental illnesses over here. “So with all that suppression, along with domestic violence, divorce and separation, a lot of children deal with these, and statistics show that those who have experienced four or more adverse childhood experiences are more likely to commit suicide or suffer with depression.” Dr Sherri-Ann Catwell, the Senior Registrar at Ward C4 of the Queen Elizabeth Hospital, said most of her patients had experienced a traumatic situation in their home. She told the audience: “A lot of these people came from families with a lot of interpersonal conflict, had bad relationships with peers, were exposed to abuse or drugs, and there was an association between suicide attempts and violent behaviour when exposed to drugs early.” Some of the solutions the panel identified entailed getting parents and grandparents involved in discussions on why their charges were acting out, since the behaviour was often fuelled by what they experienced in the home, or unresolved trauma the parents or grandparents themselves had never addressed. Olton also suggested a greater emphasis on emotional intelligence, that is, helping people to understand what influenced their behaviour and showing them more appropriate ways to deal with the challenges they faced. (BT)
EDEN LODGE PRIMARY DEFACED – Students of the Eden Lodge Primary School had to be temporarily relocated this morning after offensive graffiti was discovered on several walls of the school. The Royal Barbados Police Force (RBPF) was called in and the school given a security sweep, while students were housed at a nearby church. After conducting investigations, members of the RBPF gave the all clear for students to re-enter the school around 10:43 a.m. Officials from the Ministry of Education, Technological and Vocational Training have covered the graffiti temporarily. The Ministry plans to have the walls repainted this weekend. (BGIS)
ST PHILIP MAN SLAIN IN SHOOTING INCIDENT IN ‘VIETNAM’ – Barbados TODAY now understands the residence is that of his two-year-old son and the child’s mother, 41-year-old Nichole Alleyne which he visited from time to time. Efforts to speak with Alleyne were unsuccessful as she was finally resting after enduring a sleepless night. A close relative and neighbour informed Barbados TODAY the incident occurred during the night, when most people were sleeping. The source however was awakened by what sounded like someone “killing a centipede with a shoe”. Residents later found out it was the sound of numerous bullets being fired. At the end of the gunshots, Scarboro was left dead at the residence where a four-year-old girl, a 21-year-old woman and their mother also lived. “The youngest child wasn’t able to see what occurred, but the girl that is four saw everything, and even when the officers came they said she would need counselling,” the source recalled, while indicating it was extremely difficult to get them to sleep after the commotion. Residents however indicated they knew very little about the dead father, who they saw in the area sometimes. At his Farm Road home in the same parish, a male middle-aged male answered the door. While declining to identify himself, he indicated that none of Scarboro’s family members were at home and he did not know the young man well. Next door, one woman said she did not know the young man well but was shocked to hear of his passing. (BT)
ACCUSED MUST ALLOW FINGERPRINTING – Allegations that a 42-year-old man robbed another at gunpoint while on Glendairy Road have resulted in remand time at Dodds prison. Matthew Mortimer Phillips, of Lennox Avenue, Goodland, Black Road, St Michael is accused of robbing Rommell Nanton of $15,000 in jewelry on October 18. The jewelry comprised a chain and pendant as well as a ring. The unemployed man was not required to plead to the indictable charge before Magistrate Kristie Cuffy-Sargeant today. He is also charged with using a firearm on the same date in commission of the crime. Before he was remanded, the magistrate imposed an order that Phillips allows lawmen to fingerprint him. Phillips will reappear before the No. 2 District ‘A’ Magistrates’ Court on December 23. (BT)
SURETY TO FORFEIT BAIL MONEY – Not only did a woman who absconded from court lose her freedom for the next few weeks but her surety now has one month to pay half of the bail amount or she too will find herself behind bars. “Ms Marshall has been missing from the court for a long time. It took a new charge sheet to get her back here,” Station Sergeant Cameron Gibbons told the No. 2 District ‘A’ Magistrates’ Court today about the accused Kesha Melissa Fiona Marshall. The 33-year-old, of Dunscombe, St Thomas had been before Magistrate Kristie Cuffy-Sargeant on two offences allegedly committed on April 25, 2017 – refusing to leave the premises of Savings Plus Supermarket when told to do so by a person in authority and assaulting Selvin Lovell causing him bodily harm. She had been on $3,000 bail since her first appearance after denying the charges. The accused however, appeared in the No. 1 District ‘A’ Magistrates’ Court on November 22 on a theft charge to which she entered a not guilty plea. She was again granted $3,000 bail but it was revealed that warrants had been issued for her for failing to attend court on the pending matters. “When I came to court last Friday and they said I missed court . . . but I was in prison until last year May,” Marshall told the magistrate. However, a check of the court’s records showed that she had not been before court since July 2018. “You were given the date of July 20, 2018. You were not in prison then,” Cuffy-Sargeant said even as the accused’s surety said that she would like to say something. The surety explained that she had only come to court today because she had been informed that Marshall had missed a March date last year. But the magistrate pointed out that it was now November 25 and “You are coming here . . . for a date in March 2018? She is your responsibility as a surety. She has been MIA (missing in action) since July 20, 2018. The bail sum is $3,000 you have to pay half of that.” The magistrate then gave the surety a month to pay the court $1,500 or spend three months in prison. The accused Marshall meantime was remanded to Dodds to reappear before Cuffy-Sargeant on December 20. (BT)
PATIENT STEALS DOC’S PHONE – Sticky-fingered glaucoma patient Paul Devon Francis has been placed on a bond for the next 12 months for stealing a cellular phone belonging to a health care official at the Queen Elizabeth Hospital. If the convicted No. 12 George Street, Belleville, St Michael resident breaches the order imposed on him today by Magistrate Kristie Cuffy-Sargeant, he will spend six months in prison. The complainant Kristen Da Silva had completed an examination on Francis when she left the patient room for talks with the doctor. On return to the room she noticed Francis closing his bag near to the area where she had left her $3, 260 cellular phone. Thinking nothing of his actions at the time, she gave him his six months appointment, and continued performing her duties. It wasn’t until sometime later that Da Silva realised that her electronic device was missing. The matter was reported after she was unable to locate it despite checks. “She is the doctor that check my eye cause I have glaucoma. I ain’t no tief. I ain’t know why I get in that deh. I should have never taken it. She had leniency on me, so I don’t know how you can deal with it. I suppose to have another appointment at the hospital to check my glaucoma. I won’t let it happen again because it ain’t me,” the convicted man said. The police report said that Francis admitted that he had sold the device and purchased a pair of slippers and a phone with the money. The stolen phone was recovered. “At least I feel good that she get back her phone,” Francis said prompting the magistrate to tell him that he was missing the point. “No ma’am I should not have taken up it”. (BT)
ARCHER SUBJECTED TO RACIAL ABUSE – New Zealand Cricket says it will apologise to Jofra Archer after the fast bowler received “racial insults” from a member of the crowd following his dismissal during the first Test against New Zealand at Mount Maunganui. Archer made 30 from 50 balls on the final afternoon of the match, but was unable to prevent New Zealand from sealing an innings-and-65-run win to go 1-0 up in the two-match series. However, that achievement was overshadowed shortly after the finish, when Archer tweeted about the treatment he had received as he left the field at the end of his innings. He said: “A bit disturbing hearing racial insults today whilst battling to help save my team, the crowd was been amazing this week except for that one guy, @TheBarmyArmy was good as usual also.” In a statement, NZC said that the perpetrator had not been located, but that the board would be in touch with Archer to apologise. “New Zealand Cricket will be contacting, and apologising to English fast bowler Jofra Archer, who was racially abused by a spectator as he left the field at the conclusion of the first Test at Bay Oval, Mt Maunganui,” read the statement. “Although security providers at the venue were unable to locate the perpetrator, NZC will be examining CCTV footage and making further inquiries tomorrow in an endeavour to identify the man responsible. “NZC has zero tolerance towards abusive or offensive language at any of its venues and will refer any developments in the case to police. “It will contact Mr Archer tomorrow to apologise for the unacceptable experience, and to promise increased vigilance in the matter when the teams next meet in Hamilton.” Archer later confirmed to ESPNcricinfo that the abuser had been a solitary New Zealand spectator, making comments “about the colour of my skin”. He also claimed that the same person appeared to have contacted him via Instagram with further insults. “I don’t think it would happen in England,” Archer said. It was a tough match for England, but particularly Archer, who was required to bowl a marathon spell of 42 overs in New Zealand’s solitary innings, and came in for criticism for an at-times lethargic display. He picked up a solitary wicket, that of BJ Watling who top-scored with 205, but also served a reminder of his menacing attributes when he struck Henry Nicholls a heavy blow to the helmet on the second evening. The ECB later confirmed that an investigation into the incident was ongoing, in conjunction with NZC, “NZC and ECB ensure that clear guidelines are in place at every venue so that watching a cricket match is safe and enjoyable for everyone,” said the ECB in a statement. “Whilst this is a relatively isolated incident there is absolutely no place for anti-social or racist behaviour within the game and it is vitally important that all spectators feel able to come forward to report such behaviour and feel safe in doing so.” (BT)
WALES, ELLERTON WINS SET UP FINAL DATE – Weymouth Wales emphatically booked their spot in next Sunday’s Capelli Super Cup final after a pulsating 3-1 win over arch-rivals Barbados Defence Force Sports Programme (BDFSP) in their semi-final clash on Sunday night at the Wildey Turf. Wales have had the longest and arguably most difficult route to the final, but saved their best performance to date for the clash with the BDFSP, with goals from Romario Harewood, Shaquille Boyce and Walton Burrowes settling the matter for the Carrington Village side. In the other semi-final, Crane and Equipment Ellerton prevailed over difficult playing conditions and earned a hard-fought 1-0 victory over the University of the West Indies (UWI) Blackbirds. (DN)
KOLIJ SWEEP THE POOL – The Kolij Lions didn’t seem to miss top swimmers Danielle Titus and Nkosi Dunwoody. Without the two who are now competing under the SMS Cougars banner after helping the Lions to several triumphs in the pool, Harrison College secured the girls’ and boys’ titles during the finals of the Secondary Inter-School Swimming Championships at the Aquatic Centre yesterday. They took the girls title with 273 points and were followed by Christ Church Foundation and The St Michael School with 176 and 165 points, respectively. The boys reigned supreme with 540 points, Queen’s College placed second with 327 and St Michael finished third with 311 points. (DN)
SLUICE GATE OPENING: BEACH TO BE CLOSED – The sluice gate at the Graeme Hall Swamp, Christ Church, will be opened on Tuesday. The Ministry of Environment and National Beautification says this is necessary to reduce the high water levels and to re-balance the swamp. As a result, Worthing Beach will be closed to the public from 6 p.m. tomorrow, until noon Wednesday. Red flags, which indicate no swimming, will be in place along the beach, and bathers are asked to adhere to the flags and any other signs erected by the National Conservation Commission. (BGIS)
UBER LOSES LICENCE TO OPERATE IN LONDON- Uber will not be granted a new licence to operate in London after repeated safety failures, Transport for London (TfL) has said. The regulator said the taxi app was not "fit and proper" as a licence holder, despite having made a number of positive changes to its operations. Uber initially lost its licence in 2017 but was granted two extensions, the most recent of which expires on Monday. The firm will appeal and can continue to operate during that process. London is one of Uber's top five markets globally and it has about 45,000 drivers in the city. Overall, there are 126,000 licensed private hire and black cabs in the capital. If its appeal is unsuccessful, some think Uber drivers would move over to rival ride-sharing firms such as Bolt and Kapten."There would be competition that would fill that void quite quickly," Fiona Cincotta, a market analyst at City Index told the BBC. TfL said it had identified a "pattern of failures" in London that placed passenger safety at risk. These included a change to Uber's systems which allowed unauthorised drivers to upload their photos to other Uber driver accounts. It meant there were at least 14,000 fraudulent trips in London in late 2018 and early 2019, TfL said. The regulator also found dismissed or suspended drivers had been able to create Uber accounts and carry passengers. In one example, a driver was able to continue working for Uber, despite the fact his private hire licence had been revoked after he was cautioned for distributing indecent images of children. Helen Chapman, director of licensing at TfL, said: "While we recognise Uber has made improvements, it is unacceptable that Uber has allowed passengers to get into minicabs with drivers who are potentially unlicensed and uninsured." London Mayor Sadiq Khan said: "I know this decision may be unpopular with Uber users, but their safety is the paramount concern. Regulations are there to keep Londoners safe." (BBC)
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CRE Hard Costs vs. Soft Costs – What’s the Difference? | Resident First Focus
Hard Costs vs. Soft Costs – What’s the Difference?
Real estate development is not for the faint of heart. Taking a project out of the dirt or redeveloping an existing site has many variables, and concurrently, many costs. These costs encompass both hard fees and soft costs that collectively make up a project budget.
This article details the contrast between hard and soft costs and the related line items of each.
What are hard costs?
Anything consumed in the tangible development of a property is typically considered a hard cost. This encompasses the physical materials needed to build a project (e.g., steel, concrete, interior furnishings, etcetera.) and the contractors’ labor required to develop the project.
Material costs: Material hard costs can comprise of steel, wood, cement, drywall, electrical, carpet, plumbing appliances, life safety systems, green & HVAC systems, landscaping, and more. To determine the supplies needed for a project, a developer requires an advanced design team, including architects and engineers.
In addition, there are third-party construction estimators who can help allot quantities and costs to each of these material line items. However, most developers will adopt a market average (e.g., a specific dollar amount per square foot) as an estimate during their early cursory underwriting exercises.
Advanced earthworks, like bridges, require abutments, grinders, and decking. Roads, i.e., a new 2-lane undivided road – average around $2 million to $3 million per mile in rural areas and about $3 million to $5 million in urban areas. Constructing a new 4-lane highway? $4 million to $6 million per mile in rural and suburban areas, $8 million to $10 million per mile in urban areas.
Labor costs: Labor costs are among the highest and most variable hard costs that belong to a project. The big differentiator is whether a developer employs union or non-union labor. The former can be significantly more expensive, but developers are required or sometimes incentivized to engage union labor for a defined percentage of construction in some markets.
Labor required during the project usually includes disciplines and skillsets from: construction (e.g., carpenters, plumbers, electricians), site work professionals (e.g., excavators, environmental remediators, and others concerned in site grading); and landscapers.
In a stifled labor market, developers pay a premium for labor costs. In an unrestrained market, labor may be more affordable. It varies on the availability of craftsmen and women, so in turn, labor costs can fluctuate year over year and differ from market to market.
Contingency: Nearly every construction forecast figures in a contingency line item. A contingency is an amount of money, a reserve set aside to cover unexpected costs or site conditions. Developers will customarily build in a 5-10% variance into their hard cost pro forma.
Other Site Work Expenses to Consider
There are other site-related hard costs to account for in the budget, including:
Land acquisition. Most developers will consume significant time examining opportunities before actually pushing forward with a purchase and sale agreement.
For example, a developer may approve an NOI (notice of intent) with the seller. Next, they’ll place some funds into escrow to prove their good faith intent to move forward with the deal.
Then the developer will then spend additional time reviewing the site conditions and starting preliminary design work (soft costs) before finalizing the purchase and sale agreement. Between P&S and closing, other requirements may be met, such as securing permits needed to proceed with the development.
Thus, the developer is picking up multiple soft costs even before receiving the parcel. Finally, upon closing, the developer will transfer the funds required to purchase the property, otherwise understood as land acquisition.
Environmental remediation: Depending on the property’s location and prior use and history, the site may need some ecological remediation. Almost all urban projects necessitate some level of remediation. “Greenfield” sites, the least contaminated, are likely in outer suburban and rural areas. Consequently, remediation costs can fluctuate depending on the scope and characteristics of the contamination.
Utility and road extensions: Some construction projects require new utility connections and/or roadway extensions. Both forms of site work are considered hard costs and will be reflected in the budget accordingly.
Advanced earthworks like bridges require site work like abutments, grinders, and decking. Roads, asphalt or concrete, i.e., a new 2-lane undivided road – about $2 million to $3 million per mile in rural areas and about $3 million to $5 million in urban areas. Constructing a new 4-lane highway? $4 million to $6 million per mile in rural and suburban areas, $8 million to $10 million per mile in urban areas.
What are soft costs?
Soft costs are all of the expenses beyond the hard project costs. They are the foreseen intangibles that are critically important to a project.
Labor costs during development
Labor costs during development are linked to various professional services. The most significant professional services line items are commonly by way of architecture and design. As a result, project management-labor fees usually trail in cost.
Architecture: several architects could be required to plan a successful project. These could involve master planning architects, concept design-level architects, individual building architects, and landscape architects.
Engineering: In commercial real estate development, multiple engineers are usually involved in designing and executing a project. Engineers can originate from various disciplines: traffic, environmental, civil, and more.
Project Management: Real estate development projects usually have a dedicated project sponsor. The core role of that sponsor is likely to identify, acquire and aggregate capital for the development undertaking. Sometimes the sponsor will initiate the development process themselves; other times, they’ll outsource these responsibilities to a third-party project management company. The project manager will customarily collect a percentage or set a monthly fee to provide the day-to-day supervision of the development project on behalf of investors. In addition, the project manager will ordinarily work as the quarterback to the other consultants, authorities, and contractors involved with the project.
Accounting / Legal fees: Bookkeeping and legal fees are two integral soft costs part of the forecast. Accounting is frequently managed in-house by the sponsor or developer; otherwise, it’s outsourced similarly to project management responsibilities. Even large real estate developers with their in-house legal teams will regularly seek assistance from outside counsel, depending on the project’s demands. Legal fees accrue from facilitating permitting and entitlements, managing city and state regulatory processes, and the like.
Carrying Costs
Every pro forma should reflect carrying costs. Carrying costs are the non-controllable fees that a real estate developer must pay each month, regardless of the project’s status. These fees typically include taxes, utility bills, and insurance.
Financing Costs
There are numerous types of multifamily loans for developers to examine, reaching from traditional financing to CMBS/life co debt products. Furthermore, some multifamily loans can be structured with an interest-only period to relieve the developer until the property is fully leased-up and stabilized. In any event, the type of financing used for a project can significantly reshape the pro forma.
Permits and Other Regulatory Fees
Real estate developers will need to pull a full scope of permits for their projects. For example, there may be fees blended in with rezoning a site for a new use. If a variance is needed, there’s typically a cost associated with that, as well. In addition, state permits may come into play, such as building permits granted by various authorities, environmental regulatory agencies, or highway departments. Determining which permits and regulatory fees will apply or if a project is exempt is typically one of the duties of the local outside counsel and/or project manager. Often there are penal and insurance-related consequences if the correct permits are not obtained.
Post-Development Costs
The soft costs continue as they relate to a project, even as it nears or reaches completion.
These costs include:
Advertising: Most developers will retain a marketing agency or brokerage shop to assist with advertising their property. This helps with lease-up efforts and expedites stabilization.
Property Management: Let’s say a developer chooses to hold (instead of sell) the property upon receipt of Certificate of Occupancy (COO); a property manager will be necessary. A property manager – an individual or a team of people – will oversee all day-to-day onsite activities. This includes lease-up and renewals, subsequent rent collection, minor repairs and maintenance, and down the road, investment in capital improvements as needed, and more. In addition, property managers will often hire third-party contractors for ancillary tasks, such as valet trash and landscaping.
Security: Must be baked into every property management budget. This could be investing in and then monitoring security cameras to a fully-staffed team of people who work a desk in the lobby at a downtown office building.
Conclusion
Whether you’re a developer or a passive investor, it is crucial to understand what goes into a project’s pro forma. This necessitates a fundamental knowledge of the soft costs and hard costs associated with the development project.
These costs can be challenging to determine, especially for first-time developers. Still, it always makes sense to have high confidence in the budget before moving forward.
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Rajesh Shukla, Montage
THE MOST ESTEEMED PERSON WHO IS BEHIND THE MONTAGE (GROUPS) CAPITAL MARKETING LTD. IS MR. RAJESH SHUKLA: ONE OF THE PROMINENT AND PUNCTILIOUS PERSONALITIES WHO IS KNOWN FOR HIS WORK IN THE FINANCIAL SECTOR OR SERVICES.
#RAJESH SHUKLA, MD MONTAGE
#RAJESH_SHUKLA_GREAT_MERCHANT
The Montage Company is headed by Mr. Rajesh Shukla. He is an MBA from Delhi School of Economics and MCA specialized in Financial Investments in Companies from the London School of Economics.
He started his career with one of the biggest oil giants, British Petroleum. He also worked for McKinsey and British Airways. He was the Advisor for Hindustan Sales Company.
He has been awarded the Bharat Vikas Award by Chief Election Commissioner, Mr. T S Krishnamurthy in 2004.
#RAJESH_SHUKLA_CORE_OF_MONTAGE
#RAJESH_SHUKLA_BUSSINESS_TYCOON
While planning for the Montage, Rajesh Shukla, MD of the Montage Group, reveals and says that the company had an elite list of clienteles like:
Mumbai Police, Bharat Petroleum Corporation Limited (BPCL), Hindustan Petroleum Corporation Limited (HPCL), Reliance Energy, Bhabha Atomic Research Centre (BARC), Siemens, Larsen & Toubro (L&T), National Securities Depository Limited (NSDL), Federation of Indian Chambers of Commerce and Industry (FICCI), Maharashtra State Electricity Board (M.S.E.B), Tata Honeywell, Mahanagar Telephone Nigam Limited (MTNL), Idea, Airtel and many others.
Rajesh Shukla, MD Montage, says the company was planning to go all out to the corporate world of India and help them weather the ongoing economic recession by the various tools and means of funding and a deep customized fool-proof planning in accordance to the prevailing economic scenario in India as well as the world.
The company is also planning to introduce new financial tools to overcome or at least minimize the effect of the cash crunch to the Indian economy.
The Montage Group is generally divided into important sectors such as:
Montage Capital: Montage Capital represents a new breed of financial partner for growing businesses. The firm offers entrepreneurs a viable option to traditional capital sources such as banks, venture capitalists, and angel investors, who typically move deliberately and have difficulty offering timely solutions that meet the complex capital requirements of rapidly. The Company has clients like Reliance Infra, Ambit Finance etc.
Montage Health Care & Biochem Pvt. Ltd.: The Company proposes to implement a grass root project for setting up a Poly Lactic Acid (PLA) (Biodegradable Polymer in the form of granules) with an installed capacity of 1000 MT/ Annum from the raw material, Mango Kernel in Ranga Reddy District, Andhra Pradesh. The key P&M for the project include Fermenter, Hydrolyser, Polymerization reactor, Neutralizer etc. The Company would have an elaborate quality control process since this is a technology driven process. The Company already has a R&D laboratory and proposes modern quality control equipment. MHCBPL proposes to operate the plant in 3 shift operations for the full year to produce 1000 MTPA of PLA at 70 to 90% capacity utilization.
Have received various awards such as:
1) The 4th National Award for Technology Innovation for the year 2013–14 from the Department of Chemicals & Petrochemicals, Ministry of Chemicals & Fertilizers, Govt. of India, New Delhi for Bio plastics from Agri-waste.
2) Being Gold Medal Winner at the Innovations Competition for DST — Lockheed Martin India Innovation Growth Program 2012, Company has proved its ability to sustain ingeniously in the ever growing biotech industry.
3) Recognition by GOI, Department of Scientific & Industrial Research (DSIR) benefiting exemption from Custom Duty (Govt. Notification No 24/2007 Customs & 16/2007 Central Excise).
3. Montage Promoters Pvt. Ltd.: It is an eminent firm engaged in offering a huge array of Mad Croc Energy Drinks. Paved with the use of foremost quality ingredients and progressive technology, developed with an excellence. They offer these to our customers at the most affordable prices. In conformity with the varying requirements and desires of their clients, the products could be altered as per their requisites.
4. Montage Innovations: Montage Innovations always promises to deliver the best in class products because we have the experience and the industry knowledge to support you in your unique industry and technology ecosystem.
5. Montage Realty & Infrastructure Pvt. Ltd: We are the only Company who has global railway station development experience & we have tied up with Architect Partner ‘Epstein’ who has done designing for some of the world class building including few railways stations in India. Also, as we are partners with L&T on the Indian scenario, we are well versatile & L&T has given a confirmation letter to partner with us for the construction of the project.
We have entered into Joint Venture Agreements with Telecommunications Consultants India Ltd., (TCIL) and with Engineering Projects India Ltd., (EPIL).
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We are a group of professionals who provide Electricity Duty Exemption Consulting Services. We give the best quality services by following all the rules and regulations of the Gujarat Electricity Duty Act 1958 on behalf of the company to get a huge financial Benefit for the manufacturing industries in Gujarat.
#subsidies under the gujarat industrial policy 2020#electricity duty exemption consultant in gujarat#best subsidy & consultants in the gujarat#incentives in gujarat for manufacturing#electry
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Best Workers Comp Insurance
Insurance Business Tv
However, when you’re injured on the job, a sole proprietor Best Workers Comp Insurance coverage can help pay for medical bills and substitute wages while you get well. The system of collective liability was created to stop that, and thus to make sure safety of compensation to the workers.
Origin And International Comparison
An on-the-job injury could contain extra than simply lost time for a employee. It can even embody medical care expenses, prescriptions, and misplaced pay from work. Discover why NJM has been a leading employees' compensation insurance coverage provider for greater than 70 years. If an worker from an out-of-state company is injured doing work in Illinois, he or she has the proper to file a claim in Illinois. Only a staff' compensation insurance coverage that includes Illinois on its protection is legitimate.
Get Business Insurance With Optimized Coverage To Meet Your Exact Needs
Workers' Compensation insurance coverage can cover a portion of each their medical prices and lost wages, and it could shield you from lawsuits and other financial liabilities. To understand staff' compensation insurance coverage, keep in mind that it is a win-win proposition.
What Does Workers Compensation Insurance Cover?
In exchange, his or her wages may be replaced whereas he/she is recovering, and his or her medical costs ensuing from the harm will be lined. The information provided is basic in nature and isn't meant as authorized recommendation. Cerity Services and its affiliates won't be liable for any actions taken based mostly on the information contained herein.
Disability
For example, if you're a sole proprietor of an electrical enterprise, your purchasers could require you to have your personal workers’ comp coverage as a method to limit their legal responsibility. Even when you aren’t required to hold a staff’ comp policy, discuss to your insurance coverage skilled about the professionals and cons of buying this coverage for your self. One of the main advantages of having staff’ compensation insurance is that it could possibly help you pay for your own medical expenses and substitute wages should you get injured on a job. North Carolina state legislation requires all employers to purchase Workers Compensation insurance coverage coverage. North Carolina Workers Compensation supplies protection for medical bills, harm rehabilitation together with lost wages often related to office accidents.
Your Business
In addition to an worker’s medical payments and wage compensation, Workers Compensation Insurance virtually always supplies demise advantages to the dependents of staff who're killed in work-associated accidents or illnesses. In some states, legal guidelines additionally limit the quantity an injured worker can recover from an employer, and remove the liability of co-workers in most accidents, protecting each employers and fellow workers.
Decreased premiums and unexpected claims could negatively impact workers' comp writers, said Sridhar Manyem, director, and Dan Mangano, financial analyst, AM Best. #insurance #workerscompensation #workercomp #COVID19 #coronavirus
— AM Best (@AMBestCo) June 24, 2020
Each state has particular requirements for companies house owners in regard to Workers' Compensation.
Workers' compensation, or staff' comp, is insurance that protects employers from legal responsibility if their employees are injured in the office.
California staff compensation legal guidelines mandates that employers should either obtain CA staff comp, self-insurance coverage workers compensation, or be legally exempt for the requirement to supply workers compensation coverage.
Even if your company is exempt, that doesn't imply that you're relieved of potential liabilities should an worker become injured whereas on the job.
Workers compensation insurance coverage covers your small business when it comes to medical expenses and misplaced wages for these staff. Typically, an worker is just eligible to receive staff compensation advantages if their employer carries employees compensation insurance. Workers' Compensation coverage helps protect you and your staff from numerous job associated injuries and sicknesses.
Read more at https://www.businessusainsurance.com/small-business/best-workers-compensation-insurance/
Every US state, aside from Texas, requires corporations with staff to carry employees’ compensation insurance. Because staff’ comp insurance is mandated by law, many business homeowners imagine it's just one other useless expense without any actual profit to them. In actuality, a good workers compensation insurance coverage policy is definitely a benefit that protects business owners and employees alike. Workers' compensation insurance covers medical expenses for U.S. workers who're injured on the job for any cause. Before workers' compensation, workers needed to show that an damage resulted from employer negligence — an almost unimaginable task.
Tim participated in an @ijournal workers’ compensation webinar examining how COVID-19 has changed the market. He provided insight into the underwriting process, employment best practices, stressors on the workers' comp system & more. View the webinar:
— EPIC Insurance Brokers & Consultants (@EPIC_Insurance) July 1, 2020
How Much Does Workers Compensation Insurance Cost?
Overall, it is estimated that 91% of Illinois staff are covered underneath the Act. Best Workers Comp Insurance covers income and medical care if you're injured or turn out to be ill as a direct results of your job. It does not cowl illness or harm incurred off the clock or unrelated to your job duties. Businesses buy a policy from private insurers or special state funds.
Workers compensation insurance coverage pays for the cost of medical care, as well as lost wages and demise benefits for the dependents of these killed in work-associated accidents. It also covers the cost to defend and presumably pay legal responsibility claims made in opposition to a enterprise by certainly one of its workers with a bodily harm. Insurance guaranty associations are established by state law to pay the lined claims of policyholders and other claimants of an bancrupt insurance coverage firm.
However, just because you might be exempt, any workers of your company should still be coated. Plus, even should you meet certainly one of these standards, you is probably not totally off the hook.
An injured worker can receive funds to cowl his or her misplaced wages and get reimbursement for the prices of damage-related medical treatment. Some plans even provide advantages to survivors if a worker is killed on the job, performing as a type of life insurance. Usually, an injured employee cannot ask for punitive damages or compensation for pain and suffering via staff’ compensation, which is a bonus for you as an employer. Commonly referred to as worker’s comp, this insurance is designed to guard you, your company and your workers against bodily accidents that occur at work. If an worker is injured on the job and you've got a staff’ compensation coverage, your worker does not have to prove that you simply because the employer had been at legal fault for his or her accidents and can't sue you for negligence.
Typically, injured staff are eligible to have their medical bills covered, in addition to receive a proportion of their pay. The different objective of Best Workers Comp Insurance and contractors liability insurance coverage in California is to guard employers from potential lawsuits filed by injured employees. If somebody is injured on the job, employees’ compensation insurance offers some benefits, primarily based on the coverage you purchase and the state by which you live.
Often referred to as “Workman’s Comp,” this insurance has been out there within the U.S. since 1949. This type of insurance coverage supplies wage replacement and medical advantages to staff who're injured at work.
Each state has particular requirements for companies house owners in regard to Workers' Compensation. California staff compensation legal guidelines mandates that employers should both obtain CA staff comp, self-insurance coverage staff compensation, or be legally exempt for the requirement to supply staff compensation coverage. Even if your company is exempt, that doesn't imply that you are relieved of potential liabilities should an worker become injured whereas on the job.
Main Source: USA Business Insurance
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How to get a LLP Company Registration in Marathahalli?
Limited Liability company registration in Marathahalli is that the top consultant for Liability Company in Marathahalli LLP has currently come back up mutually of the foremost well-liked legal entities for Professionals moreover as services for liability company registration in Marathahalli organizations attributable to the flexibleness hooked up below the liability Partnership Act. There’s flexibility with relation to the structuring of management and possession moreover as a lesser variety of compliances as compared to an alternative company Registration service. There ought to be a minimum variety of two selected Partners for any LLP and that they ought to procure Director identification and Digital Signature for registration of the LLP, Liability company registration service Provider in Marathahalli registration unremarkably is longer intense as compared to alternative Company Registration Services, liability Partnership entities the globe wide recognized sort of business organization has been introduced in Bangalore by the manner of liability Partnership Act, 2008. A liability Partnership, popularly called LLP combines the benefits of each corporate and Partnership into one sort of organization. In Associate in LLP one partner isn't accountable or responsible for another partner’s misconduct or negligence; this can be a vital distinction from that of an unlimited partnership. In an LLP, all partners have a sort of liability for every individual’s protection among the partnership, like that of the shareholders of a company. However, in contrast to company shareholders, the partners have the proper to manage the business directly. Consultant for Limited liability company in Marathahalli Also limits the private liability of a partner for the errors, omissions, incompetence, or negligence of the LLP''s workers or alternative agents. Liability Partnership is managed as per the LLP Agreement, but within the absence of such agreement, the LLP would be ruled by the framework provided in Schedule one of liability Partnership Act, 2008 that describes the matters regarding mutual rights and duties of partners of the LLP and the liability partnership and its partners. Our Consultry incorporates a separate legal entity, susceptible to the complete extent of its assets; the liability of the partners would be restricted to their in agreement contribution within the LLP.
6 exceptional LLP benefits that you just didn’t recognize.
1. As several Partners as required
The most exceptional feature of a liability partnership is that there's no limit on the number of partners which will be supplemental to the LLP list as homeowners. This is often being nice as a result of it equally spreads out the quantity of liability that every partner can have if one thing were to travel wrong with the business.
2. restricted Liability
Just as the name suggests, Limited liability partnerships in Marathahalli limits your liability. The risks of the business square measure displayed and created smaller too, compared to if one business owner was chargeable for the business. The partner's square measure ready to de-risk them from the danger arising thanks to activities of alternative partners.
3. Tax edges
One of the good edges of operational below Associate in Nursing LLP is however you file taxes. The partnership itself ought not to file taxes as a private business entity that provides nice edges for the corporate. However, every individual partner should file a range of various tax forms relating to the business.
4. Great Flexibility
Flexibility could be a vital identifying issue of liability partnerships. They’re not responsible to require half in business conferences or consultations with anyone if they are doing not feel the necessity to.
5. Need To Pay Alternate Minimum Tax (AMT)
Alternate Minimum Tax AMT applies to Associate in nursing entity apart from a corporation. The provisions regarding AMT are given below Sections 115JC to 115JF. The tax computed by applying eighteen.5% (plus surcharge and cess as applicable) on the adjusted total financial gain is named Matte Alternate Minimum Tax (AMT) in an exceeding liability Partnership is, calculated supported the adjusted total financial gain.
6. Tax Exemptions
In a liability Partnership Company, the profits of the partner’s square measure exempted, this comes below Section 10(2A) of the Income-Tax Act, 1961 (IT Act). To understand a lot regarding LLP Contact our greatest liability company registration Consultants in Marathahalli.
DOCUMENTS REQUIRED FOR LLP REGISTRATION
You need to own the subsequent set of documents before continuing for registration:
1. Self-attested PAN card copy of planned selected Partners
2. Self-attested Address Proof of planned selected Partners (Passport or driving license or Voters ID or Aadhar Card)
3. A self-attested Latest statement or Mobile Bill or Gas (Not older than a pair of months)
4. Address proof of the planned Registered workplace (electricity bill or phone line or Gas Bill and It will be a residential property) and rental agreement
5. No Objection (NOC) from the one who owns the property mentioned higher than (we can prepare)
6. A pair of passport size photos of planned selected Partners LLP Incorporation method.
How to get LLP Registration in Bangalore?
Are you looking to get LLP Registration in Bangalore? Then we will help you with this we are LLP Registration Consultants in Bangalore. Feel free to send your inquiry to [email protected] or feel free to contact: 7975187793 or visit https://www.consultry.in/
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NorMin economy group irons out issues, plans for post-COVID-19 impact
#PHinfo: NorMin economy group irons out issues, plans for post-COVID-19 impact
CAGAYAN DE ORO CITY, April 13 – Resolving issues and planning next steps, the Economy Task Group of the Northern Mindanao Regional Task Force (RTF) for COVID-19 agreed in a videoconference that economy should stay afloat.
The Task Group, which is further branched into four sub-groups handling 1) Supply Allocation and Price Control, 2) Business Continuity Plans Activation and Monitoring, 3) Social Welfare Benefits Provision, and 4) Protection of Economic Interest, works on improving services and recommending policies for the local economy to cope with the crisis.
"Even with the COVID-19 pandemic, our economy should stay afloat," expressed Task Group Head and NEDA-X Regional Director Mylah Faye Aurora B. Cariño, CESO III.
Dr. Raul C. Alvarez, Jr., Regional Director of the Commission on Higher Education-X, reported that the agency is gearing up its efforts to come up with alternative modes of learning for students. Director Alvarez also said that guidelines have been issued to cushion the impact on higher education institutions and their students, especially those who are interning in hospitals, and those scholars and interns who have been kept abroad due to international lockdowns. The International Humanitarian Assistance Task Group will be requested to provide assistance for those stranded scholars/trainees abroad.
The Task Group’s recommendation as supported by the RTF through a resolution to request to further defer payments for water, light and power bills to allow consumers time to recover financially was acceded by the Cagayan de Oro Electric Power and Light Cooperative and the Cagayan de Oro Water District. They reported that they have already issued extensions to payment schedules. Said resolution will be submitted to ERC and DOE for possible issuance of a policy for uniformity in the implementation of said deferment or other modes of payment of power bills.
For social amelioration, six batches of the 15,167 workers in about 900 establishments of the formal sector have received cash assistance of PhP5,000 from the Department of Labor and Employment’s COVID-19 assistance measures program, informed Atty. Joffrey M. Suyao, Regional Director of DOLE-X. Director Suyao also updated the body on the Tulong Panghanapbuhay sa Ating Displaced/Disadvantaged Workers Program #Barangay Ko, Bahay Ko (TUPAD #BKBK)Disinfecting/ Sanitation Project, which has successfully served around 10,000 beneficiaries in the region.
Several resolutions of the RTF upon recommendation of the Economy Task Group were acted upon by concerned agencies like the deployment of rolling stores by the DA or KADIWA on wheels in different parts of the region, which Iligan City followed suit; the identification of quarantine or isolation areas for the repatriated OFWS to the region; preparation of the business continuity plans with the assistance of the PCCI, and big companies have already implemented their business continuity plans; among others.
Moreover, RDC-X Macro Committee Vice Chair and Confederation of Philippine Exporters Foundation Region 10 Chapter, Inc. Board Chair and Acting President Lolita Cabanlet presented recommendations for government to consider in providing Stimulus Packages for micro, small and medium enterprises (MSMEs). These will be evaluated for the consideration by the RTF for COVID-19.
“Cash availability is key to re-starting the economy, and the government has to act fast to protect and preserve jobs,” quipped Vice Chair Cabanlet as she focused on interventions that can provide economic relief to MSMEs during these times, some of which are provision of cash relief to re-start businesses, lower loan interest rates, special credit windows, tax holidays, import duty exemptions on machinery and equipment, and fast-tracking of government aid legislation.
Other issues and concerns such as dwindling supply of canned goods and other essential commodities in some parts of the region, hampered movements of good through checkpoints, the business groups’ request for extension of payment of government fees – LTO, DENR, EMB, business tax were tackled and referred to the appropriate task groups for immediate action.
The Economy Task Group of the Northern Mindanao Regional Task Force (RTF) for COVID-19 holds a meeting via videoconference on 07 April 2020. (NEDA10)
Director Cariño summed up the session by recognizing the contribution of the member-agencies and the private sector stating “We commend the efforts of our agencies; those who work to provide social welfare, ensure peace and order, economic stability and most especially, adequacy of health services. We cannot go back to the way things were before, and so, for rehabilitation and recovery, we have to define the ‘new normal’.”
The agency head presented NEDA’s national three-phased program of interventions to mitigate the social and economic impact of the pandemic.
“Right now, we are at the stage of addressing the effects to rebuild consumer confidence, but we also have to be ready to resume a ‘new normal’ state of activity that is more prepared for any possible pandemic. We need to re-calibrate our plans, the rehabilitation and recovery plan,” emphasized Director Cariño.
NEDA will conduct various scenario and foresight planning exercises, engage the whole-of-nation approach in crafting policies, implement programs and projects that are relevant under the ‘new normal’ scenario, and communicate these to the public to create a new constituency.
The socioeconomic agency recently conducted Online Public Consultation on Defining and Preparing for the “New Normal” to determine the behavioral changes needed to move forward with the pandemic.
Few of the identified measures are: bringing of personal disinfectants and hand-wash hygiene, continuous information on seasonal diseases, lowering the cost of internet and gadgets, strengthening e-commerce, lowering rates of utility consumption for households, investing more on health infrastructure, extending operations of grocery stores/related establishments, and improving immigration database for travelers. (Kathleen Emilie A. Navarra, DRD, NEDA-X)
***
References:
* Philippine Information Agency. "NorMin economy group irons out issues, plans for post-COVID-19 impact." Philippine Information Agency. https://pia.gov.ph/news/articles/1038803 (accessed April 13, 2020 at 03:57PM UTC+08).
* Philippine Infornation Agency. "NorMin economy group irons out issues, plans for post-COVID-19 impact." Archive Today. https://archive.ph/?run=1&url=https://pia.gov.ph/news/articles/1038803 (archived).
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Insurance Cases For Property Damages
Insurance Cases For Property Damages
Your home has only been actually struck by a crashing tree, tornado, vandals, wildfire, or a few other misfortune. What do you do? Where perform you start? Supposing you've currently properly expelled the residence and secured it coming from added harm, your upcoming action involves a call to your insurance provider. And then the insurance declares process starts.
Submitting insurance declares for home damages begins through notifying your insurance provider that damages has occurred. From certainly there, you will certainly need to complete paperwork, fulfill along with an insurer, paper your losses, and schedule repair work. You are going to likewise need to pay your insurance tax deductible and also inevitably work out the case. Relying on the degree of the damage, this may be a daunting and also lengthy process United States. https://adjusterforconsumers.com/
Make use of an electronic or even video cam asap to document the harm to your residential property. The faster you can properly record the harm, the much better. For instance, hailstorm harm is actually commonly difficult to show, particularly on much older roofing systems. Begin chronicling before the hailstones melt to verify that your house was actually without a doubt struck on by ruining hailstones. Be as extensive as possible, chronicling all damages to your home as well as to your items. It is additionally smart to videotape damage within the area as additional proof that this wasn't an isolated occasion.
While it may be appealing to dispose of destroyed products, only accomplish this if the damaged products are dangerous or dangerous like damaged bits of glass or water logged household furniture that will certainly very soon rely on mold. If you should throw out broken things, take in-depth images beforehand. Look at trimming swatches of cloth to prove that the home furniture was actually made of expensive natural leather instead of low-priced plastic.
Essentially, you will definitely have anticipated potential insurance declares far back. If you possessed the forethought to perform therefore, gather your house stock records, photos, as well as video recordings. You will discuss these with your insurance insurer to verify your reductions. If you didn't, you may need to look at visa or mastercard records and receipts to prove just how a lot you paid out for certain products Glendale.
Utilize a laptop and analyze your residence, property through building, room by area, for harm. Utilize a system to guarantee that you perform certainly not neglect anything. Operate in a clockwise path, checking each element of each area methodically coming from the best down and from entrusted to right. Through this body, you will get into an area, as well as take note the place quickly to the left of the door.
Permit's say that it is the expert bedroom. Analyze the roof place of the wall to the left of the door. Note any sort of water leaks or even loss in your laptop. Any damage to the wall surface? The floor? The household furniture versus the wall structure? Transfer to the upcoming wall structure and also replay, functioning your means around the room as well as noting any sort of harm as you go. Utilize a separate notepad for each and every room as well as fasten any pictures that assist your notes.
The moment you have analyzed the damage, utilize your keep in minds to generate a checklist of reductions, area by room, as well as document the worth of each item shed or harmed. If you don't understand the market value or have not gotten an estimation for fixings, that is actually great. Only make certain that you possess a professional list of all reductions to ensure that nothing at all is actually ignored.
Your insurance insurer will get there to examine the damages. After he has actually examined your property, ensure that everything on your list has been actually taken note by the insurer. Always remember that the problem of evidence is actually on you, therefore while it might be difficult to look at and prove your reductions, it will definitely deserve your opportunity.
As soon as the insurer has agreed that a covered loss has actually occurred, it's time place your professionals to work repairing your residence. Search for regional, trustworthy service providers that are actually accredited, guaranteed, and also committed to high quality Glendale.
The insurance claims and property restoration method is actually long and also it demands your energetic participation. Your interest to detail as well as initiatives at chronicling the harm is going to help acquire the case off to a great beginning.
Residential Property Insurance Adjusters - What You Should Know
Have you ever required the companies of a building insurance insurer? Well, if you have ever before possessed a claim on your property insurance plan, the response is most very likely yes. However, for those that possess not, you may be actually pondering is what the duty of an insurance adjuster is when it concerns submitting a residence insurance claim AZ
. Generally, a home insurance adjuster will be actually the one who helps identify your insurance protection, preps and also files your insurance protection, readies and submits your claim, and also calculates the dollar quantity of your reduction in the unlikely event of a claim.
As an example, if a twister attacked the place you reside in and damaged your residential or commercial property, an insurance claims insurer would certainly pertain to your region, poll the harm, examine the components of your policy, as well as assess the total loss. After that the insurer would produce the total dollar quantity as well as submit the insurance claim correctly.
Residential or commercial property insurance insurers are the ones who deal with all aspects of the case, not the insurance broker. As well as, rather than you possessing to file all the types as well as documents, the insurer does it all.
What happens if you do certainly not acknowledge with the insurance adjuster's resolve? This is actually one thing that can easily happen. Within this celebration you can easily receive your own adjuster to come out as well as look every little thing over to get a consultation in a manner of speaking. Next, the 2 insurers can easily operate out a concession AZ
. As you may find, dealing with an insurance claim is certainly not as simple as some individuals presume it is, particularly when it involves an unsuccess. And also to that all of the various plan regulations and also exemptions, as well as you may have a headache true simple. With a building insurance insurer you are going to certainly not possess to go through some of that.
Insurance Adjuster - What Do They Carry out?
An insurance insurer possesses lots of projects, yet the major one is to determine for the policy holder what the specific compensation is actually going to be actually paid out to them. Today, insurance is actually an extremely wide industry along with several forms of insurance along with each one possessing their own regulations, financial elements, and also certain plans. Being actually an insurance adjuster is actually an industry that is in higher demand. They generally will give their companies in insurance firms that are actually thought about large property-liability. Some work in insurance agencies and banking companies. Their main task is to fix as well as complete the volume of the claim that is actually to become spent to the policy owner, yet some may function in the areas of auto collisions, property harm, or for those that are hurt in other collisions 85302.
In insurance cases, the client has dropped their property as well as items in the unlikely event of fraud, incidents, fire, and also a lot more. The insurance insurer will definitely explore the client that have the case, called the complaintant. It is the insurer's work to obtain all the details of the accident. If it is actually an incident the insurance adjuster will have to consult with any witnesses and also seek advice from the cops to make certain there are actually no doubts concerning that was actually as well as was certainly not at fault. They will likewise review the case histories to see to it the claim regarding the collision is authentic.
If there is actually property damage the insurance adjuster will definitely must evaluate the building to observe exactly how a lot harm was done and after that determine just how much the business is accountable for in relation to settlement. They additionally need to check out policy documentations, insurance claim forms, and also see if there are any type of negotiations that can reveal an effort at fraud due to the complaintant. The insurance adjuster might also be demanded to discuss insurance claim settlement deal and if they can certainly not reach a settlement with the claimant after that they will relocate the issue to court of law. It is very important that the arrangement that is conducted by the insurance insurer is actually decent to both the claimant and the company. The adjuster needs to record all files, process, as well as examinations for potential endorsement 85302.
Exactly how to File a Claim for Water Damage
When you have actually taken water damage to your residence it may be fairly a process to file an insurance case to obtain your home mended. You are going to intend to make certain that the electrical power to the water destroyed region has been actually switched off. Transforming electrical power off to the location will lessen further harm, in addition to the possibility of other power problems and also fires. This will also lessen the danger of electrocution. Next, you are going to need to find the water source and make an effort to get the water result in control or ceased. Depending on the kind of water crack, you may need to shut off the residence's primary water shutoff valve. You will certainly at that point intend to perform emergency dry-out techniques on crucial items that have been ruined by the water cracks.
To sue with your insurer for water damages suffered by your residence you will certainly initially require to phone your insurance provider and report that harm has actually happened. The insurance agent usually are going to suggest that a specialist water damage renovation provider see your residence and inspect the damage that has actually occurred. The qualified water damage repair business are going to offer you a report on the extent of water damages to your house. They are going to likewise create a price quote of what it will cost to mend your residence and also replace private property. These estimates will definitely need to become provided your resident's insurance business but you are going to desire to bring in a copy of the price quote for your own private records. Additionally, you will certainly really want to document and also capture the damages yourself through taking pictures or tape-recording the problems along with a camera. That means you are actually dealt with due to the insurer in the activity that the water remediation business missed out on some damages. After acquiring the estimation from the water restoration firm your insurance provider are going to send an adjuster to inspect the water harm at home. The insurance insurer will certainly examine the water damaged areas and also poll the personal effects damages. The information gotten through the insurance insurer will certainly at that point be actually provided your insurance provider. The insurance provider will reduce you a check for you to start mending your residence and substituting destroyed personal effects United States.
Damage triggered by flooding is typically certainly not dealt with by a conventional house owner's insurance plan. You will certainly need to have flooding insurance to deal with damage triggered by flooding in your property. Any type of kind of accidental water damage must be actually dealt with through your property owner's insurance. Fixing your building must be actually carried out to common, as maintaining your house properly kept belongs to your task to ensure future damages carries out certainly not take place.
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Diesel Fuel Market – Qualitative Survey On Applications 2025
Global Diesel Fuel Market: Snapshot
Diesel fuel is witnessing significant demand from various sectors, particularly automotive and transportation. The global market is set to witness interesting growth dynamics shaped by a wide spectrum of factors. The pricing of the fuel, technological advancements in the automobile industry, government regulations, and regional demographics are the crucial factors driving the shifts in the market. In addition, the emergence of alternative fuels, most notably natural gas, and improvements in various electric-based technologies such as regular hybrids, plug-in hybrids (PHEVs), and pure electric vehicles (EVs) are expected to alter the demand for diesel. These key aspects are instrumental in evaluating and understanding the demand patterns and supply dynamics in different economies. The rapid industrialization of emerging markets, coupled with the soaring use of diesel in non-transporting applications, such as for residential and commercial heating applications, has triggered the demand for diesel fuel across the regions.
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https://www.tmrresearch.com/sample/sample?flag=B&rep_id=82
The Diesel Fuel Market in leading industrialized regions such as the U.S., Canada, Europe, Japan, and Australia may witness a slowdown due to adoption of natural gas fuel alternatives in some sectors. However, as emerging nations in the process of industrialization undertake intensive oil extraction activities, they mainly undergo oil-driven economic expansion. The significant demand in emerging markets will make up for the slight slump in demand from advanced economies.
The reasons for declining demand in Europe and the U.S. vary widely. In the U.S., the bulk of the demand comes from commercial transportation while in Europe, diesel forms the key fuel in over half of the light vehicle fleets, and hence the demand for diesel majorly comes from private vehicles. Hence, stringent regulations related to fuel efficiency standards are expected to hinder the diesel fuel market growth in Europe to some extent.
Global Diesel Fuel Market: Overview
The growth of the global transportation industry is likely to increase the demand for diesel fuel over the coming years by a large extent. Gas oil, which is a heavy oil produced from fractional distillation of fuel oil, can be used for both automotive applications and heating purposes. Gas oil used for automotive purpose – commonly known as diesel fuel or even the “35 second oil” – is quite the necessity in industrial, commercial and agricultural, and off-road vehicles applications.
The dual application of diesel fuel depends on the type of diesel that is being used. Regular or white diesel can be used in automotive and industrial applications, while red diesel – which is another type of diesel but mixed with a red dye – can be used for domestic purposes. Red diesel is exempt of excise duty and the red dye makes it easy for users and authorities to identify which kind of diesel is being used. Diesel fuel can be segmented on the basis of source of production into bio-diesel, biomass to Liquid (BTL), petro-diesel, and gas to liquid (GTL).
Request TOC of the Report @
https://www.tmrresearch.com/sample/sample?flag=T&rep_id=82
Global Diesel Fuel Market: Top Trends
The global diesel fuel market is expected to grow in volume and revenue in tandem with the automobile industry, owing to the dependence of automobiles on diesel and the increasing reliance on newly proven technologies aimed at improving vehicle fuel efficiency. Vehicles running on diesel fuel are expected to deliver at least 20% to 40% more mileage per gallon then petrol or gasoline vehicles. Heavy-duty vehicles form the bulk of the demand volume in the global diesel fuel market. The commercial transportation sector is also improving swiftly around the world, especially in the developing economies of Asia Pacific and Latin America.
Unreliable and low power supply is a problem plaguing a large number of nations today. Large power consumers whose daily operations are highly dependent upon a steady supply of electricity are opting for diesel fuel-based power backup systems in case the grid supply falters.
Global Diesel Fuel Market: Future Prospects
Diesel generator sets are the preferred form of decentralized backup generation for large or industrial consumers of electricity. They are likely to become the key area of opportunities in the global diesel fuel market over the coming years. Diesel generators are also used for supplying intermittent power to rural households, where renewable energy generation is not possible and drawing new grid connections is not feasible. Diesel also finds a high scope of use in space-heating and other residential purposes. Many countries in Europe consistently use diesel fuel as an integral part of meeting their domestic energy requirements.
One of the key restraints acting on the global diesel fuel market remains its higher price than gasoline and the volatile price trends of the fuel in general. The reason for this higher price is that diesel is an international commodity and many countries rely on it. Ultra-low sulfur diesel (ULSD) specifications further increase the cost of diesel fuel. Additionally, the taxes imposed on diesel are also higher than gasoline. The end users of the global diesel fuel market can be segmented into transportation, domestic and commercial, and power generation.
Read Comprehensive Overview of Report @
https://www.tmrresearch.com/diesel-fuel-market
Global Diesel Fuel Market: Region-based Analysis
Asia Pacific is likely to be an extremely promising region for the proliferation of the global diesel fuel market in the forecast period. This can attributed to the increasing vehicular usage in the region and especially in commercial vehicles, coupled with the increasing need to decentralize rural electrification projects. Europe and North America are expected to continue being high-value regions for the global diesel fuel market in terms of both demand volume as well as rate of increasing in demand. However their transportation sector is likely to see a greater scale of penetration for fuels such as LPG, LNG, and CNG. The Latin American market is expected to show an attractive growth rate over the coming years, owing to its large rural population urban expansion.
Global Diesel Fuel Market: Key Players
Of the large number of players present in the global diesel fuel market, some of its leaders so far included Total, Exxon, Valero, Conoco Philips, and Shell.
About TMR Research
TMR Research is a premier provider of customized market research and consulting services to business entities keen on succeeding in today’s supercharged economic climate. Armed with an experienced, dedicated, and dynamic team of analysts, we are redefining the way our clients’ conduct business by providing them with authoritative and trusted research studies in tune with the latest methodologies and market trends.
Contact:
TMR Research,
3739 Balboa St # 1097,
San Francisco, CA 94121
United States
Tel: +1-415-520-1050
Email: [email protected]
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Diesel Fuel Market - Leading players operating across the globe 2017 – 2025
Global Diesel Fuel Market: Snapshot
Diesel fuel is witnessing significant demand from various sectors, particularly automotive and transportation. The global market is set to witness interesting growth dynamics shaped by a wide spectrum of factors. The pricing of the fuel, technological advancements in the automobile industry, government regulations, and regional demographics are the crucial factors driving the shifts in the market. In addition, the emergence of alternative fuels, most notably natural gas, and improvements in various electric-based technologies such as regular hybrids, plug-in hybrids (PHEVs), and pure electric vehicles (EVs) are expected to alter the demand for diesel. These key aspects are instrumental in evaluating and understanding the demand patterns and supply dynamics in different economies. The rapid industrialization of emerging markets, coupled with the soaring use of diesel in non-transporting applications, such as for residential and commercial heating applications, has triggered the demand for diesel fuel across the regions.
The market in leading industrialized regions such as the U.S., Canada, Europe, Japan, and Australia may witness a slowdown due to adoption of natural gas fuel alternatives in some sectors. However, as emerging nations in the process of industrialization undertake intensive oil extraction activities, they mainly undergo oil-driven economic expansion. The significant demand in emerging markets will make up for the slight slump in demand from advanced economies.
Request Sample Copy of the Report @
https://www.tmrresearch.com/sample/sample?flag=B&rep_id=82
The reasons for declining demand in Europe and the U.S. vary widely. In the U.S., the bulk of the demand comes from commercial transportation while in Europe, diesel forms the key fuel in over half of the light vehicle fleets, and hence the demand for diesel majorly comes from private vehicles. Hence, stringent regulations related to fuel efficiency standards are expected to hinder the market growth in Europe to some extent.
Global Diesel Fuel Market: Overview
The growth of the global transportation industry is likely to increase the demand for diesel fuel over the coming years by a large extent. Gas oil, which is a heavy oil produced from fractional distillation of fuel oil, can be used for both automotive applications and heating purposes. Gas oil used for automotive purpose – commonly known as diesel fuel or even the “35 second oil” – is quite the necessity in industrial, commercial and agricultural, and off-road vehicles applications.
The dual application of diesel fuel depends on the type of diesel that is being used. Regular or white diesel can be used in automotive and industrial applications, while red diesel – which is another type of diesel but mixed with a red dye – can be used for domestic purposes. Red diesel is exempt of excise duty and the red dye makes it easy for users and authorities to identify which kind of diesel is being used. Diesel fuel can be segmented on the basis of source of production into bio-diesel, biomass to Liquid (BTL), petro-diesel, and gas to liquid (GTL).
Request TOC of the Report @
https://www.tmrresearch.com/sample/sample?flag=T&rep_id=82
Global Diesel Fuel Market: Top Trends
The global diesel fuel market is expected to grow in volume and revenue in tandem with the automobile industry, owing to the dependence of automobiles on diesel and the increasing reliance on newly proven technologies aimed at improving vehicle fuel efficiency. Vehicles running on diesel fuel are expected to deliver at least 20% to 40% more mileage per gallon then petrol or gasoline vehicles. Heavy-duty vehicles form the bulk of the demand volume in the global diesel fuel market. The commercial transportation sector is also improving swiftly around the world, especially in the developing economies of Asia Pacific and Latin America.
Unreliable and low power supply is a problem plaguing a large number of nations today. Large power consumers whose daily operations are highly dependent upon a steady supply of electricity are opting for diesel fuel-based power backup systems in case the grid supply falters.
Global Diesel Fuel Market: Future Prospects
Diesel generator sets are the preferred form of decentralized backup generation for large or industrial consumers of electricity. They are likely to become the key area of opportunities in the global diesel fuel market over the coming years. Diesel generators are also used for supplying intermittent power to rural households, where renewable energy generation is not possible and drawing new grid connections is not feasible. Diesel also finds a high scope of use in space-heating and other residential purposes. Many countries in Europe consistently use diesel fuel as an integral part of meeting their domestic energy requirements.
One of the key restraints acting on the global diesel fuel market remains its higher price than gasoline and the volatile price trends of the fuel in general. The reason for this higher price is that diesel is an international commodity and many countries rely on it. Ultra-low sulfur diesel (ULSD) specifications further increase the cost of diesel fuel. Additionally, the taxes imposed on diesel are also higher than gasoline. The end users of the global diesel fuel market can be segmented into transportation, domestic and commercial, and power generation.
Read Comprehensive Overview of Report @
https://www.tmrresearch.com/diesel-fuel-market
Global Diesel Fuel Market: Region-based Analysis
Asia Pacific is likely to be an extremely promising region for the proliferation of the global diesel fuel market in the forecast period. This can attributed to the increasing vehicular usage in the region and especially in commercial vehicles, coupled with the increasing need to decentralize rural electrification projects. Europe and North America are expected to continue being high-value regions for the global diesel fuel market in terms of both demand volume as well as rate of increasing in demand. However their transportation sector is likely to see a greater scale of penetration for fuels such as LPG, LNG, and CNG. The Latin American market is expected to show an attractive growth rate over the coming years, owing to its large rural population urban expansion.
Global Diesel Fuel Market: Key Players
Of the large number of players present in the global diesel fuel market, some of its leaders so far included Total, Exxon, Valero, Conoco Philips, and Shell.
About TMR Research
TMR Research is a premier provider of customized market research and consulting services to business entities keen on succeeding in today’s supercharged economic climate. Armed with an experienced, dedicated, and dynamic team of analysts, we are redefining the way our clients’ conduct business by providing them with authoritative and trusted research studies in tune with the latest methodologies and market trends.
Contact:
TMR Research,
3739 Balboa St # 1097,
San Francisco, CA 94121
United States
Tel: +1-415-520-1050
Email: [email protected]
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Education Director
“Stand aside for a while and leave room for learning, observe carefully what children do, and then, if you have understood well, perhaps teaching will be different from before.” - Loris Malaguzzi
Who we are:
Neighborhood House is here for families facing hunger and homelessness, vulnerable seniors, and children who need help in school
What we do:
Neighborhood House assists vulnerable people living in the greater Portland area. Our programs serve disadvantaged children needing help to be successful in school, families facing hunger and homelessness, and seniors needing support so they can remain living active and independent lives.
Neighborhood House’s program participants represent a remarkably diverse mix of ethnicities and cultures. We believe an equitable workforce will strengthen and enrich our organization and strongly encourage all qualified persons to apply regardless of race, gender identity, sexual orientation, religion, or otherwise.
What we offer our employees:
Neighborhood House believes our employees are our best investment. Because of this, we provide an excellent full-time (30 hours and above) benefits package including a low-cost medical plan with no additional out-of-pocket expenses (Really!) through our Nonstop Wellness broker, low-cost dental insurance, paid life insurance, paid long term disability insurance, 403b retirement, FSA, and more. We also offer a generous paid time off policy, 11 paid holidays a year, and a flexible working schedule for most positions. Finally Neighborhood House employees are eligible for credit in the Public Service Loan Forgiveness Program.
Beautiful, large playground with plenty of opportunities for nature-based play
Large common area where children and families congregate
Beautiful, historic building with spacious classrooms and lots of natural light
Sliding fee tuition scale to support families of all income levels
Tuition discounts for employees
Early Head Start community partner
24 hours of in-house professional development yearly
Early childhood mental health consultants
Community celebrations throughout the year
Cozy teacher planning library
Well-stocked resource/work room
Comfortable break room with complimentary tea
We are located on the MAX line.
Check out our website at penchild.org.
Job Title: Director of Education
Department: Peninsula Children’s Learning Center
Reports To: Center Director
Pay: $39,000-$46,000/yr
Type: Full time Exempt
POSITION SUMMARY
The Director of Education is responsible for overseeing Peninsula’s compliance with Oregon Child Care Department licensing requirements, QRIS/SPARK, and EHS standards, providing observation and assessment of classroom activities as well as training, managing, and coaching of classroom teachers in order to maintain high-quality, developmentally appropriate early childhood programming that meets the social, emotional, intellectual and physical needs of children ages six weeks to five years old.
ESSENTIAL DUTIES & RESPONSIBILITIES
Assess classroom quality, using Positive Behavioral Interventions and Supports (PBIS), Teaching Practices Observation (TPOT), Teaching Practices Infant Toddler Observation Scale (TPITOS) in conjunction with Morrison Child and Family Services, Classroom Assessment Scoring System (CLASS) and/or other strategies, providing oversight and management, ensuring compliance with program requirements, and that programs are developmentally and age appropriate.
In cooperation with Center Director, supervise compliance with training requirements of licensing, and/or QRIS/SPARK, Oregon Dept. of Education (ODE), Child Nutrition Program (CNP), and EHS standards.
Organize and implement TD3 dental screenings, and annual hearing and speech screenings for all children ages 3-5 years and report results to program administrators, funders, and parents.
Assist teachers in scoring and interpreting developmental screenings and child observation assessments (ASQ and ASQ-SE).
Collaborate with Early Childhood Mental Health Specialists and Multnomah Educational Service District service providers to provide additional support to teachers and students, making referrals for addional services as indicated by ASQ and ASQ-Se.
Advise families and teachers on child development/early care needs to provider resources
Assist in coordination of services between families, teachers, and health and mental health specialists and consultants.
Train, model, and support effective child observation assessment and accurate record-keeping in the Teaching Strategies Gold (TS-GOLD) online system.
Lead the hiring, orientation, training, and supervision of all Early Childhood Education teaching staff.
Schedule Early Childhood Education staff in collaboration with Executive Assistant, creating staff schedules, problem solving, approving and tracking time off in a manner compliant with Oregon Child Care Department licensing requirements and/or QRIS/SPARK, and EHS standards.
Oversee approval of time sheets for Early Childhood Education staff, sending a record of perfect attendance to Human Resources monthly.
Promote and model own continuous improvement and professional growth, including required professional and development hours. Maintain current information about all contract requirements including ODE CNP.
Plan and provide professional development to meet or exceed standards for ECE teaching staff.
Facilitate regular team meetings and regular team leader meetings.
Provide oversight to teaching staff for teacher conferences and home visits.
Coordinate with family advocates to case manage Head Start and Early Head Start.
Develop calendars for closures and professional development trainings.
Plan and implement open house.
Hold company credit card, maintaining approval and purchase history for curriculum supplies while using best price comparison and tracking inventory.
Perform other duties as assigned.
EDUCATION AND/OR EXPERIENCE
Bachelor’s degree in Early Childhood Education, Child Development, or related field. Master’s degree in same or related specialty strongly preferred
Minimum of three years of work experience in early childhood in an early childhood setting
SUPERVISORY RESPONSIBILITIES
This position does not supervise.
QUALIFICATIONS
Teacher will commit to and follow the NAEYC Code of Ethical Conduct
24 hours of ongoing professional development to meet QRIS standards and manage these hours through ORO independently
Staying current with knowledge and research of early childhood education and care
OTHER SKILLS & ABILITIES
Excellent communication and organizational skills
Able to work independently while relying on established written directions and guidelines.
Strong interpersonal skills and the ability to work as an effective team member
Ability to train, coach, and supervise others while maintaining effective working relationship
Collect and keep accurate data and records
Able to use major computer software programs, and able to learn new programs
LANGUAGE SKILLS
Ability to read, analyze, and interpret documents. Ability to respond effectively to the most sensitive inquiries or complaints.
MATHEMATICAL SKILLS
Ability to work with mathematical concepts such addition, subtraction, multiplication and division.
REASONING ABILITY
Ability to apply common sense understanding to carry out instructions furnished in writing and oral form. Ability in researching, analyzing, and problem solve.
CERTIFICATES, LICENSES, REGISTRATIONS
Step 10 on Oregon Registry
Current registry with Oregon’s Central Background Registry
Current CPR, First Aid and Oregon Food Handler’s Card and Recognizing and Reporting Child Abuse and Neglect (RRCAN)
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee must possess acceptable hearing and visual capabilities to monitor the environment and assure the children’s well-being. The employee is frequently required to use hands to finger, handle, or feel; and reach with hands and arms. The employee is frequently required to stand and walk, and regularly kneel, bend, and sit on the floor to attend to children’s needs. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to risk of electrical shock. The noise level in the work environment is usually moderate.
HAZARD RISK
AT RISK: This position has been determined to be at risk for bloodborne pathogen exposure. In addition to the standard hazard communication training, this employee is required to take annual bloodborne pathogen and personal protective equipment training prior to working.
Application Guidelines/Contact:
To apply, please submit resume and cover letter via one of the following methods –
This Posting:
https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=bac88f1f-c305-467c-bf1c-05e89fe3d1f1&jobId=244996&lang=en_US&source=CC3&ccId=19000101_000001
All positions:
https://workforcenow.adp.com/jobs/apply/posting.html?client=NHouse&ccId=19000101_000001&type=MP&lang=en_US
Via Email:
You may also apply for the position via email if the above links aren't working for you, we just ask that you please try the application through ADP first before emailing.
Please be sure to include the posting title you are applying for, and also where you heard about this position.
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Payday loans and Bankruptcy
Even though the holidays are over, people of every income range have been buying gifts for others and now the lenders want to collect. For many, this is just an added year-end expense. Others who feel the pressure to give to family and friends but don’t have the money may look for other ways to fund this seasonal expense. The ads for “payday” loans tend to prey upon that need, offering quick cash now with a short-term temporary loan. But before giving into temptation, be aware of the pitfalls that could affect your financial future into next year…and beyond.
What is a payday loan?
Also known as a cash advance or a check loan, a payday loan was originally given that name because repayment of the loan was typically due on the borrower’s next payday.
Some common features of payday loans include:
the loan is for a small amount, generally $500 or less;
repayment is usually due on the borrower’s next payday;
the date of your next payday is disclosed to the lender to allow the lender to draft a payment from your checking account when the payment is due; and
the loan has unusually high interest rates.
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Generally, the loan can be used for whatever purpose it is needed: the necessary, such as an emergency medical bill or an overdue electricity payment, or the frivolous, such as a quick weekend trip. But the key to using the loan in the most advantageous way depends on when and how the loan is repaid.
The Trouble With Payday Loans
Regardless of when the loan is repaid, the interest rates charged by the lenders are exorbitant compared to other credit sources. Interest on credit cards typically ranges from 12 percent to 30 percent on an annualized basis. A payday loan, on the other hand, generally carries a finance of charge of $10 to $30 of every $100 loaned. The annual percentage rate (APR) on a charge of $15 per $100 rate would be about 400 percent.
The interest rate alone is bad, but the real problems begin when the loan is not repaid within the two-week period. Obviously, most people who turn to a payday loan for a critical expense one week are unlikely to be in a greatly improved financial position in two weeks. In many cases, the borrower has to rollover the loan to the next payday (or the next, or the next…) and the high interest rates continue to accrue.
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Payday Lending Online
That’s an ugly picture, but it can get worse. Payday lending is illegal in many states, but lenders will often operate online in order to get at consumers across state lines. Beware the online payday lender – many of them are just scams. They’ll collect an upfront fee and leave you with nothing. The website (and your fee) will disappear into the night and you’ll be left with less cash than before.
Who uses payday loans?
When considering the “typical” payday loan borrower, the obvious answer is someone in at least short-term financial trouble. But a study done by Pew Research in 2012 provides more specific information: most payday loan borrowers are white women between the ages of 25-44. In addition, the study identified five groups that are more likely to take out a payday loan:
those without a four-year degree;
those who rent, rather than own, a home;
African-Americans;
those who earn less than $40,000 per year; and
those who are separated or divorced.
Payday Lending Under Pressure
Many states have outlawed payday loans, having found them to be predatory and taking advantage of the people who use them. On the other hand, the lenders may choose to not do business in states that do allow them because those states have tightened their regulations on payday lenders to the extent that the lenders no longer make enough of a profit in those states due to the restrictions on interest rates and fees.
In 2013, the Consumer Finance Protection Bureau launched an aggressive investigation into payday lenders and their effect on American finances, soliciting complaints from consumers about their experiences with the loans. A year later, the Bureau has investigated almost 1600 of these complaints. Of those investigations that have been closed, only about 11 percent have resulted in a favorable outcome for the borrower.
During its investigation, the CFPB found that about 12 million Americans use some form of these loans. But the most disturbing part of the investigation was the discovery that almost 4 out of every 5 of the loans are not repaid within 14 days, causing the continuing high-interest renewal or rollover. And over 60 percent of those borrowers roll the loan over so many times that the interest and other fees end up being more than the original loan amount.
One consumer group, the Consumer Federation of America, states that the fault with the system is that the lender focuses on the ability to collect, not necessarily the borrower’s ability to repay. With access to the borrower’s checking account or employer information, the lender is in a position to collect the money owed if necessary. But why do that when more money can be accrued by just continuing to rollover the debt and increase the interest owed over and above what was originally loaned.
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Another consumer group, Consumers Union, is looking for changes to be made and enforced in the industry. Among its recommendations are:
limit the fees and interest that can be charged on the loans;
make repayment schedules longer, e.g., a few months rather than a couple of weeks; and
put a cap on the number of payday loans one person can borrow in one year.
Payday Loans in Bankruptcy
For those whose financial picture doesn’t improve enough to stop the continual rollovers and renewals, bankruptcy may eventually be an option to consider. If taking out payday loans is all that keeps a budget afloat, it may be time to look at putting a stop to the revolving door.
While payday loans in general may be discharged in bankruptcy, there are situations where the lender may have a valid objection. First, some debts incurred within 70 to 90 days of filing bankruptcy cannot be discharged because the creditor may claim that the debt was incurred while planning to file bankruptcy and discharge the loan with no intention of ever paying it back.
Free Consultation with a South Jordan Bankruptcy Lawyer
If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.
Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506
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