#exit special loans canada

[americamortgages]

Pure Asset-Backed Lending Now Available for AM and GMG clients

For decades, and perhaps even longer, HNW and UHNW (ultra-high-net-worth) individuals have used real estate bridging loans as a “secret” tool to access liquidity quickly, easily, and with the reliability few loans other loans can provide. This “tool” is now known and available to everyone, regardless of their net worth.

When it comes to real estate, having quick access to cash can often be the key to success. Whether you’re a seasoned real estate investor with a diverse portfolio or just stepping into the world of real estate, this article is tailored to address the benefits and requirements of asset-backed or asset-based lending.

What is Asset-Based Lending?

Asset-based, also known as asset-backed or bridge lending, is the practice of loaning money in an agreement that has been secured by some form of collateral – in this case, real property. The terms of asset-based loans depend on the value of the assets that are being offered as security and the type of assets they are. In essence, you are putting future revenue on the line in order to get access to money in the present. Asset-based lenders will typically provide funds on an agreed-upon percentage of the asset’s value, typically ranging between 70% and 75%. These loans are often funded by private lenders who don’t have the same requirements that are typical with banks.

Accessing Liquidity to Take Advantage of Market Conditions

In the dynamic world of real estate, staying ahead often requires access to immediate liquidity. When market conditions are favorable, seizing opportunities quickly can make a significant difference in your investment journey.

Bridge loans stand out as the preferred funding option for various purposes, including:

    Highly structured transactions 

    Discounted note payoffs

    Lease-up stabilisation 

    Redevelopment of existing properties

    Repositioning of a tired or underperforming asset

    Property acquisitions with a short closing timeline (or challenges on the property or sponsor)

    Recapitalisations/Debt Restructuring or Partner Buyouts

    Other uses on a case-by-case basis depend on borrowers’ specific funding needs, where traditional funding sources like banks or insurance companies will have difficulty approving such loan requests.

    Buying real estate with a “same-as-cash” basis

How Do You Qualify for a Bridge Loan?

Bridge loans are a valuable tool for investors seeking short-term financing solutions. But how do you qualify for one?

Our most popular terms are as follows:

    Loan term: 1-3 years Interest Servicing Only (Interest-Only)

    Interest Roll-up (Interest payments are taken out of loan proceeds)

    No U.S. credit required

    Minimum loan amount: $1,000,000 (Residential Bridge Loan) and $3,000,000 (Commercial Bridge Loan)

    Up to 75% Loan-to-Value

    24-36 hour approval

    Funding in 1-2 weeks

Which Countries Are Bridge Loans Available In?

For investors with global interests, it’s crucial to know where bridge loans are available. America Mortgages and Global Mortgage Group specialize in providing bridge lending solutions in countries such as the United States, Canada, Singapore, Thailand, Philippines, Hong Kong, Australia, Dubai, U.K., and various other EU countries. These loans are tailored to meet the unique needs of our clients worldwide.

How Accessible Are Bridge Loans?

Bridge loans’ accessibility depends on various factors; Geographic location, lending options, property type, loan-to-value ratio, exit strategy, and market conditions all influence the structure of a bridge loan. At America Mortgages, we specialize in helping U.S. expat investors and foreign nationals navigate these complexities. We find the most accessible bridge loan solutions tailored to your specific needs and circumstances.

What’s Needed to Qualify?

The higher your free equity value, the more cash you can unlock!  When you’re applying for a bridge loan, the value of your property is one of the most important factors lenders consider. That’s because bridge loans are secured against your property, a true asset-backed solution. At America Mortgages, the minimum property value to qualify for a bridge loan is $500,000. But if your property is worth more, you could be eligible to borrow even more cash, which can be used for a variety of reasons. In most cases, there is not a requirement for use-of-funds.

Why Would People Use Bridge Loans to Get Liquidity?

Bridge loans provide quick access to cash when needed. They’re handy when you need funds fast, whether for seizing investment opportunities or renovating properties without delays. At America Mortgages and Global Mortgage Group, we understand the importance of acting quickly. We’ve successfully closed bridge loans in 3 days to help investors like you maximize their real estate potential.

The U.S. real estate market holds promise for investors who are well-prepared and informed. Bridge loans are just one tool at your disposal, but they can make a significant impact when used strategically. With our expertise, we can help you maximize your investments and reach your financial objectives.

If you have any questions or need assistance with your mortgage goals, please reach out to us at America Mortgages. We’re here to assist you in reaching your real estate investment goals.

For more details, visit our website: https://www.americamortgages.com/

Reference: https://www.americamortgages.com/pure-asset-backed-lending-now-available/

[chapmankit]

Her lips, trembling, twitched up and froze, and he could see her teeth.

Her lips, trembling, twitched up and froze, and he could see her teeth. "You need to fight back. Anyone who has read the popular "Left Behind" novels or listened to pastors preaching about the "rapture" might see Revelation as a blow by blow preview of how the world will end. The flawed team they willingly put together to try to hit and grit Canada into submission, a team allegedly built on pride, determination, and hard work, looked lifeless and apathetic for most of the zimski delavski kombinezon dismantling they took from Canada.. The Golden Company was ten thousand strong, seasoned and disciplined. Legace said the fire truck is expected to arrive next summer.. Towards the neve e sale amazonend of 1939, Commander Pauline Gower (MBE) was instructed to organise a specific women's section of the ATA. “It is said they still dwell beneath the water. His wealth was the wealth of thousands. A day pass costs more

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You know them, and perhaps Natalya Nikolaevna may have given you her views on the subject more than once, and they would be my guiding principle. “Well, just as I thought! “ he cried, with as much warmth as though the matter closely and intimately concerned him, as though the deceased B. The Government is accused of 'picking the pockets' of. They feel a need to be in the market at all times because they are scared of missing a good trade and scared of losing too much. This unit is currently on loan from Agie Charmilles and is equipped with the latest minimum damage (CleanCut) generator. By reopening the pits I would show the people of Meereen pendientes bulgari precio that I respect their ways and customs. Deepwood’s mossy walls enclosed a wide, rounded hill with a flattened top, crowned by a cavernous longhall with a watchtower at one end, rising fifty feet above the hill. She is still her coach. 8. “I’m a low, abject creature, Vanya,” he began. 11 recruit). He thought of Myrcella. Now they’re yours, you thieving black bastard.”. The Stalwart Shields had chosen a new commander, a black-skinned Summer Islander called Tal Toraq, their old captain, Mollono Yos Dob, having been carried off by the pale mare. The group is made up of five siblings who play five pianos in concert together. "That kind of caught them off guard after that and we scored a couple of quick ones."Landon Ferraro scored a go ahead goal 42 seconds later, and Patrice Bergeron followed with a milestone score with 6:18 left, surpassing Milt Schmidt for 11th on the franchise list with his 576th point.Eriksson said he wasn't aware Chara had used his hockey geci de fas dama scurte stick like a baseball bat to make the play."I didn't see that," Eriksson said. Running tools off of air compressors is an easy way to make sure that your tools have enough power and force to complete the task at hand. I defended him; she didn’t believe me. He finally cizme vara cu tocdid it and that what happened. More than 12,000 people traversed downtown Aberdeen to make this the most successful Pig

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Out yet. The bag, created by the Japanese artist of the same name, was a hit in white with a multicolored logo and now will be offered in black. If she has told truth, it is, indeed, a powerful engine of “assault on slavery,” such as these Northern fanatics have made for the “last twenty years.” The number against whom she offends, in the editor’s opinion, seems to increase the turpitude of her crime. Eurovision 2017: What time is it on TV? Latest odds, finalists and running order for tonight's finalWe also look back bikes btt usadas to 1998 when Dana International triumphed in Birmingham18:30, 13 MAY 2017Updated18:31, 13 MAY 2017What's OnGet What's On updates directly to your inbox+ SubscribeThank you for subscribing!Could not subscribe, try again laterInvalid EmailEurovision fans are getting ready for three nights of kitsch Europop, overblown ballads, quirky performances, dazzling costumes, tactical voting and the usual sarcastic commentary that mocks the entire event as a pile of camp nonsense.So what exactly can we expect at the Eurovision Song Contest 2017?Does the UK stand any chance of winning again?To many, the UK entry seems more a formality than something done with any serious attempt of bringing Eurovision back to Britain.Can you remember the year Eurovision was in Birmingham? But could that ever happen again?Here's our guide to the Eurovision Song Contest 2017.Where is the Eurovision Song Contest 2017 being held?(Photo: AP)It papuci de casa din pasla will take place at the International Exhibition Centre in Kiev, Ukraine, after Ukraine won the 2016 contest in Stockholm with Jamala and her song 1944.When is the Eurovision Song Contest 2017? Semi final 1 took place on Tuesday, May 9.

[2m7financialsolution]

Four Industries that Benefit from Merchant Cash Advances

Electronic exchanges have bit by bit supplanted the customary utilization of banking takes note of that have been superseded by credit and check cards. Private companies have, along these lines, additionally moved the vast majority of their exchanges to Mastercards, halfway because of the way that they are bound to get a singular amount, a Merchant Cash Advance, to extend their business and dispatch a concurred level of future Visa deals to the loan specialist.

A dealer loan is reasonable for considerably littler organizations where, regardless of whether the business is enduring, the proprietor will just restore the concurred level of absolute charge card deals, sparing them from some other problem. Private ventures can likewise draw in their customers by giving included advantages through 2M7 Financial Canada.

Lodgings

The lodging business presumably faces the most up front installment through Mastercards by means of web based booking, particularly during on-season. Dealer Cash Advance is a decent open door for little and huge lodgings the same to do a few repercussions in the slow time of year which would somehow or another cost them a fortune.

Retail locations

Retail locations frequently fall into a money related void during the slow time of year. To spare them from liquidation, they go to different entrepreneurs for an advance with overwhelming interests. Since most clients pay with their Visas, a vendor loan could end up being a business sparing alternative. With such acquired cash, the proprietor can add more representatives to forestall any breaks in day by day tasks, store regular items in huge amounts and manage the client course through advertising.

Cafés

The best thing to eat changes with the patterns these days, cafés can, hence, experience high points and low points dynamically. Individuals love to eat, and a large portion of them pay through credit or charge cards, so regardless of whether the eatery is confronting a monetary emergency, the dealer loan is the exit plan.

First off, the café can utilize the acquired cash to recruit experienced gourmet experts to dispatch eatery specials that they can be known for. Additional representatives can be employed for a brisk drive-through gracefully and for home/work conveyance administrations where starting installments from Mastercards are for the most part required. Subsequently, the cafés will have the option to develop their deals and business without the concern of a major profit for credits.

Auto-Repair Stations

The developing car innovation powers the auto-retailers to remain refreshed with the auto-machines, apparatuses, and gear to remain in front of their friends and keep their business running. The forthright money to purchase such machines could cost more than their fix station itself and since vehicle fixes cause surprising costs, they wind up paying through credit or check cards, which is an ideal open door for the fix station proprietors to profit by Merchant Cash Advance. The assets, at that point, can be utilized to purchase the vital hardware, prepared staff or specialists and even plan a showcasing technique for limited time purposes.

Advantages of Merchant Cash Advance:

Numerous independent companies other than the ones referenced can profit colossally from Merchant Cash Advance which may end up being sufficiently vain to dispatch their business towards progress. Any business that goes through Visa exchanges can utilize Merchant Cash Advance to improve their business or brave of a moderate season.

The singular amount can be gotten significantly rapidly, where the proprietors don't require a perfect credit to get it. The upside being that there is no danger of FICO assessment or in any event, taking a chance with your benefits, the arrival on singular amount would just be the concurred level of complete charge card deals. Look no further if your business is enduring, a Merchant Cash Advance may be a lifeline.

[lonnysherman-blog]

Prevent Time Theft using a Performance Management Software in Canada

It seems simple enough. A payroll manager is the person in charge of maintaining a company’s payroll system and ensuring that all employees get the proper amount of pay and leave time. However, payroll management is not so easy. Depending on your company, there can be great complexity in the calculation of leave and other benefits, or the administration of overtime and work rules. All of this must be done, sometimes in rapidly, so that a payroll is distributed to employees accurately and on time. If payrolls are wrong or late there can be dire financial or legal consequences. Being a payroll manager is often a thankless job. Your primary responsibility is to make sure things don’t go wrong. No one pats you on the back when things go right. Finally, you must remain vigilant monitoring changing work, benefit and labor rules to make sure your employees are being paid properly, and that no one can come back later and sue your company with the claim of being shortchanged on a paycheck. The duties of a Performance Management Software in Canada seem straightforward enough. But there are nuances that create challenges.

1. Collecting Employee Information and Time-sheets

To properly and accurately calculate and distribute an employee’s earnings, payroll managers must first obtain and store the necessary employee information. This information includes but is not limited to an employee’s legal name, address, Social Security number, and bank account routing numbers. Performance Management Software in Canada are also responsible for getting the requisite employment forms, signed to indicate an employee’s exemptions for tax with holdings. Incorrectly obtained forms can lead to errors in employee payroll tax with holdings which will then need to be corrected later at great time and expense.

2. Administering Payroll

The second batch of information needed to administer payroll is time. Payroll managers are in charge of what can sometimes be an elaborate and time-consuming process of collecting employee time-sheets, punch cards, and any other form of work and leave time tracking. This is done by Performance Management Software in Canada basis, such as weekly, biweekly, semi-monthly or monthly, and requires signatures and approvals at several levels to make sure data is correct. Finally, this hours data is entered into company payroll and accounting systems.

3 Prevent Time Theft Using A Payroll Management Software:

Some employees may misuse their working hours. You can stop this by using bio-metric machines in your company and then integrating the attendance data derived from bio-metric machines to the payroll system. Another option is to use an integrated attendance system that takes care of breaks taken by employees, in addition to in and out time of employees in the company. This integrated payroll management software will automatically calculate working hours of employees and calculate payroll accordingly.The best practices to manage your payroll management system is to avoid using manual payroll calculations, transferring your payroll to a specialized software system. Try Performance Management Software in Canada management system, which is a cloud based integrated application that provides fully functional payroll processing. Racetrack Payroll Management System is integrated with the Human Resource Information System (HRIS), leave, attendance, loans and advances, and employee exit management systems.

4. Calculating Payroll Taxes

Calculating employee and employer payroll taxes may be one of the most complicated payroll management duties. Most payroll systems should calculate federal, state, local, Social Security, and Medicare with holdings based on marital status and claimed exemptions. But as you would expect, payroll tax law is constantly changing. Performance Management Software in Canada often need to work with tax specialists and attorneys to make sure the company remains compliant, particularly when new laws seem difficult to interpret.

5. Communicating with Co-Workers

A large part of a payroll manager’s job is maintaining open communications with all company employees, regardless of level or seniority. An effective payroll manager will engage with other employees, both to verify attendance and hours worked and to explain more complex policies like health insurance deductions and sick leave. Often employees, concerned about their pay and leave benefits, will have questions about their paychecks or leave accruals. Performance Management Software in Canada have to ensure that their staff responds to employee information requests quickly and efficiently. If not, possible errors can remain uncorrected for too long.

Here is the list of features which you can get by using PeopleQlik:

· PeopleQlik Core

o Core HR Software — HRMS

o Cloud Payroll Management Software

o Employee Self Services

o HR Analytics Software

o Corporate Wellness Platform

· Talent Management Software

o Recruitment Management Software

o Applicant Management

o New Hire on Board

o Succession Planning

· Performance Management Software

o 360-degree feedback form

o Compensation Planning & Administration

o Social Recognition

· Talent Development

o Learning Management System

o Competency Management

o Training Management

· Workforce Administration

o Leave Management Software

o Time and Attendance Management Software

o Shift & Scheduling

o Claims & Reimbursements

o Timesheet Management Software

Click to Start Whatsapp Chat with SalesMobile: +16474630070Email: sales@bilytica.com

[everlarkbirthdaydrabbles]

Our absolutely amazing pal and fellow smutketeer @peetabreadgirl has a birthday on February 23rd. @xerxia31 and I were wondering if you'd be willing to accept a submission from us in her honoUr?

Happy Birthday @peetabreadgirl! By special request, Here’s a birthday drabble crafted just for you!

Biggest Fan

AN – Happy Birthday PBG! This is part 1 of 2 because your birthday is too special to cram all into one day!

Mesdames et messieurs, votre attention s’il vous plaît. Les passagers de la vol Air Canada 8637 arrivent à la gare vingt-quatre.

Peeta Mellark bobs up on the balls of his feet, eager to see around the crowd of tired commuters coming in on the flight from Montreal to Quebec city. Just a few more minutes and he’ll finally lay eyes on the infamous KatsEye, the best beta in the Avengers fandom.

And his best friend. Possibly the love of his life, but hey, he figures he probably should lay eyes on her in real life before he declares his undying devotion.

The crowd is thinning a bit now as the business crowd moves toward the airport doors, a sea of suits and muttered French. He checks his phone. Her text had said she was near the back of the plane. Surely she’ll be out soon.

KatI’m wearing an orange sweater.

When he looks up again, he sees her coming through the gate. Her aviator glasses are perched on her head and her hair is tied up in a side braid that spills over her shoulder onto the gorgeous coral sweater she’s wearing. It causes her olive skin to glow even though he can tell she’s not wearing a stitch of makeup.

His artistic sensibilities practically giggle at the idea that she’d consider the shade to be orange. It’s softer, more muted; kind of like a sunset at the end of a sultry summer’s day.

Regardless, it’s his new favourite colour.

When he notices her scowling as she scans the crowd for him, he uses his free hand to hold up the little sign he made: KATNISS EVERDEEN. It’s her real name, what her friends and family back in Texas call her. Frankly, it’s what what everyone who isn’t an Avengers fan calls her, but in his mind, she’s always Kat.

Her frown vanishes when she spots his sign and she moves toward him, offering a nervous smile. “Cap? Is that you?“ Her southern drawl lilting over his pseudonym delights him.

“Hi Kat.” He offers her a smile that he knows will never convey just how happy he is to see her. “Welcome to Canada.” Her cheeks pinken.

Damn. He knew she was pretty, but that little one centimetre by one centimetre picture on her Google Docs avatar wasn’t big enough to tell him the whole truth. His Kat is beautiful. More than that, really. She’s fucking radiant.

He reaches out to hug her and realizes halfway there that he’s a strange man in a strange place and a hug might not be a welcome gesture. Instead his arm dangles awkwardly in mid air. “Can I, uh, take your bag?”

She clutches the strap of her carry-on and insists that she’s got it.

“Oh. Um, I wasn’t sure if you’d have warm gear, so my sister-in-law loaned me her Canada Goose coat.” He passes over the bright red parka with the fur trimmed hood and she accepts it solemnly with a whispered “Thanks.”

“They’re down-filled,” he explains, “Those coats, I mean. It should keep you nice and warm when we’re at le Carnaval tomorrow.”

Katniss strokes the fur on the parka’s hood and just nods.

They settle into an awkward silence and he does his best to hold his disappointment at bay. He’s never met a woman who has captured his attention quite the way Kat has. His day is not complete until they’ve hashed out the latest fandom drama and she’s stolen all of this extra words or scolded him for using the passive voice. But, they’re of one mind more often than not. He trusts her exclusively with the inner-workings of his imagination. He offers her his soul, naked and raw on the page, and she heals it, clothes it and sends it out to the world. How is it that now that they’re face to face, they can’t even string ten words together to make a sentence?

The luggage carousel jerks into gear and they move toward it in unison. A tired sigh slips through Katniss’s lips. She’s been travelling since sun-up and changed planes three times just to get there. The journey made Peeta’s eight-hour drive from Toronto today, including the harrowing trip through the tunnel in Montreal, seem like a stroll in the park.

Before long, her suitcase comes into view and when she moves to pick it up, Peeta snatches it off the conveyer belt and tugs out the handle. He resists the urge to apologize.

“Your hands are full already. Let’s go find the car,” and he drags the rolling bag behind him. As they stroll toward the parkade that is connected to the airport, Peeta alternates between trying navigate the crowd and admiring Katniss’s profile. He thinks it may have been sculpted by fairies. Her cheekbones are high and delicate; her nose, straight and slightly turned up, and her jaw slopes gently downward into a chin that’s just soft enough to prevent it from being labelled as pointed. When his thoughts start to trend toward how his lips would cruise along that jaw to the hollow of her throat, he reverts his attention forward.

“You should probably put the coat on,” he recommends at the door and when it opens, allowing in a gust of winter air, Katniss shivers and drops her bag, quickly tucking herself into the coat. Once she’s bundled up, they pass through the sliding glass doors and continue on their way.

“It’s over here on the left,” he directs, wishing he’d thought to take her hand as they left the terminal. He fumbles in his pocket for the key fob, finally managing to unlock the trunk of his father’s crossover.

“A BMW,” Katniss observes, her eyes wide.

“My dad’s,” he explains, hefting her suitcase into the trunk beside his dufflebag. “It’s better on gas than my Jeep.”

The trunk door lowers automatically and Peeta follows Katniss around to the passenger’s side, reaching around her to hold the door. Her expression is the picture of surprise, but she says nothing and slides into her seat. He closes the door behind her and circles back around to the driver’s side. When he presses the button to start the car, he notices Katniss stroking the leather of her seat and admiring the stitching on the leader dash.

“A big step up from my shitty Corolla,” she mutters.

He grins at her as he backs the car out of its spot and aims it for the exit. “My folks bought me my Jeep in high school. It’s kind of a beast now, but it still gets me around, so I’m not ready to part with the old girl.”

Katniss’s lips press together and he wonders what’s going through her mind. “You work for your father,” she recalls. “I’m sure you told me that.”

Peeta nods, piloting the car onto the Autoroute that will take them into the old city and the two-bedroom apartment they’d booked. “We own a chain of bakeries throughout southern Ontario. Dad runs the head office. I work there. My brother Rye is in charge of operations at the biggest bakery, the one in Toronto. My other brother, Bran, has human resources.”

Katniss’s eyes flick over to him. “I thought you were a baker, not an executive.”

He laughs. “I am. I bake all day. I’m in charge of the company’s concept kitchen.” He slows the vehicle as they move further into busy downtown traffic on their way to the old city. “I’ve been experimenting with cheese buns lately. I’ve got this recipe with a hint of rosemary that…” He looks over at Katniss to find her observing him strangely. “What?”

“I’ve never seen anyone get so excited about bread.” Her teeth sink into her bottom lip as she tries not to laugh. Her head falls back against the headrest. “Okay, so I’ve been travelling for the last 10 hours. Tell me what’s been going on in our little corner of the Internet.”

He’s grateful for an easy topic to fill the thirty minute drive with. They chat about the fandom all of the time, it’s familiar. “Remarkably, our absence has not been noted,” he says with a laugh. “Let me think. Um, mega-buckylover published the prologue of a new wip.

“Blackwidowdoesnotfollowback just posted a new chapter of that college au she’s working on. Something about Cap and Peggy and a pool table.”

Kat hums beside him. “Next chapter is even hotter,” she confides.

“Right,“ he concedes. “Almost forgot she’s my primary competition for access to the best beta in our fandom.”

She rolls her eyes. “Careful, CaptainAmellarka, or I’ll be forced to steal your U’s again.”

He snorts. “Paws off my superfluous U’s. Oh – Glimmer and Clove are at it again.”

Katniss shakes her head. “They’re going to divide the fandom if they don’t cut it out.”

Glimmer, whose actual handle was @peggywithmoresparkle, and Clove, who used @therealpepperpotts, were in a constant battle over whose fave was the true leader of the fandom. Sick of typing out their names, while they made snarky remarks about their diva-like behaviour, Peeta and Kat had renamed them, Glimmer – because Peggy Carter was too cool to need bling; and Clove – because pepper is a perfectly useful spice and cloves are one only useful about once a year.

Katniss leans forward, captivated, as they start to move into Vieux Quebec where the snow-covered 400-year-old stone walls and cobblestone streets leave every visitor entranced. “My God, it looks like something out of Beauty and the Beast,” she marvels.

“Surprised?”

She snorts. “No more surprised than when I discovered CaptainAmellarka, my favourite fanfic author in the entire fandom, was a Canadian.”

“Hey,” he defends, “They didn’t make Dudley Do-Right an Avenger, so what’s an earnest, well-meaning Canadian boy supposed to do?”

That gets a laugh out of her. “You know, I haven’t seen a single moose or a mountie anywhere.”

“Only in every souvenir shop.” Peeta replies with a grin. He turns up a small side street and parks in front of a three story building built of stone. Quaint blue shutters frame each window and matching boxes sit primly underneath, primed to overflow with flowers in summer. For now, they are filled with twinkle lights and greenery.

“Here we are,” he announces cheerfully, popping out of the car. Together, they approach the house and Peeta raps smartly on the door.

“Oui?” A woman with spiky black hair answers the door. Her makeup is perfect, but her matte red lips are twisted into a frown.

“Madame Johanna?”

“Oui, monsieur.”

“Bonjour madame. Je m’appelle Peeta Mellark. Nous avons loué votre appartement pour la fin de semaine.”

Her frown deepens and turns into a scowl. “Hein? Non, non, non. Impossible!” Madame Johanna’s hands fly into the air. Peeta feels Katniss take a step back, overwhelmed by their animated hostess. “Mes visiteurs pour cette fin de semaine sont déjà arrivés.”

“Peeta, what’s wrong?”

“There’s some sort of mix-up,” he translates. “She wasn’t expecting us. There’s someone else in the apartment.”

He turns back to the little French fireball guarding the entrance to their rooms and tries to turn on the charm. “Madame, pourriez-vous vérifier encore, s’il vous plaît?”

“Tabernacle!” The door slams in their faces. Peeta turns to Katniss and sees her face etched in concern.

“She’s going to check,” he explains. The door whips open again.

“Vous êtes booké pour la semaine prochaine.”

Booked in for next week? Shit. He’d been so careful when he made the online booking. “Est-ce que-”

“Non,” she interrupts. Their would-be hostess seems to have had enough. “Etes-vous fou? C'est le Carnaval! Vous auriez de la chance si vous trouvez quelque chose dans la ville!”

He is truly fucked. Kat is exhausted and now they have nowhere to stay. Johanna must see the look on his face, because she relents slightly.

“Mon amie, Effie, est la gérante à l'Hôtel vieux Québec. Peut-être elle aura quelque chose. Mais à la dernière minute, ses chambres sont coûteuses.”

Peeta nods grimly. “Merci madame.” The door again slams in their faces. He turns slowly to Katniss, whose eyes are wide and wary. “So,” he starts, running his free hand through his hair. “How do you feel about a little adventure?”

She scowls, but says nothing as he leads them back to his father’s SUV.

He explains the situation to Katniss while simultaneously scrolling through his phone to look up the hotel Madame Johanna recommended. “I’ve heard of the place she mentioned,” he says. “It’s nice, I think. If nothing else, we can be sure the bathroom will be super clean.” He can hear Kat’s little huffs of frustration, but he tries to paint it for her as a good thing, even if he’s worried sick himself. Hundreds of thousands of tourists descend on Québec for Carnaval every year, finding a room anywhere is a longshot at best. Effie’s hotel might be their only chance.

Google says L’Hôtel vieux Québec is only a dozen blocks from Madame Johanna’s apartment, but the drive feels like it takes forever. A tense silence fills the car, and Peeta gets more and more anxious. He’s been looking forward to this trip for months, and already he’s screwed it up.

Thankfully, he needs all of his concentration to navigate the narrow, twisting streets of the old city. And trying to parallel park the Beemer next to the massive snowbanks makes him wish he’d brought his Jeep after all.

By the time they walk the couple of blocks from the street parking spot Peeta found to the hotel, Katniss is visibly shivering, in spite of the thick coat she’s wrapped in. He rushes her down the final few feet, a gentle hand on the small of her back.

The hotel looms above them, red brick and charmingly old like so much of the city, but obviously well-kept. The walkway has been cleared of ice and snow, and the awnings over the large front windows glow red in the setting sun.

When Peeta pulls the door open for Katniss, he can’t help but hold his breath. He really has no idea what he’ll do if this doesn’t pan out. He could take her back to Toronto for the weekend, but the prospect of another eight hours travelling might just make her decide to hop back on a plane for the warmth of Texas instead.

Katniss’s wide-eyed reaction to the lobby relaxes him just a little. In contrast to the exterior, the inside is bright and modern, with lots of stone and natural wood surfaces, and gorgeous local art on the walls. “Why don’t you sit down and warm up a little,” he says, pointing her towards the small lounge just off the lobby. “I’ll get us a couple of rooms.” Or at least, he hopes he will.

The concierge raises a brow askance when Peeta asks for two rooms and admits he has no reservations. “Mais monsieur,” he says. “Certainement vous savez que c'est Carnaval?” Yes, Peeta knows well that it’s Carnaval, and everyone in the city booked a place to stay months ago. He booked the apartment where they were supposed to be staying months ago himself. He still can’t figure out how he managed to mess up the dates when this weekend has been circled in red in his calendar since the moment he suggested it.

“Please,” Peeta says quietly, aware of Katniss sitting just on the other side of the large glass doors, her gaze flitting back and forth between the fireplace and the counter where he stands begging. The whole pathetic story spills out, the hours of travel, the wrong reservations, his desperation to salvage what he can of the weekend. “Madame Johanna,” he says, in a last-ditch effort, “Elle nous a dit que madame Effie pourrait nous aider?”

Recognition lights the attendant’s face. “Un moment, monsieur,” he says, then walks through a  door behind the counter.

When the door swings open again, Peeta does a double-take. The woman approaching him, talking a mile a minute as she does, is nothing like the elegantly modern man with whom he’d been speaking. With her scary white grin, pinkish hair, and spring green suit, she looks like she’s from another planet. He sneaks a peek over at Katniss and can see her hiding a grin behind her hand.

The woman - Madame Effie Trinkett he thinks she says her name is - speaks in such rapidfire French that Peeta has trouble keeping up. His high school French is sufficient for getting by as a tourist, but it’s not strong enough to keep pace with the effervescent whirlwind in front of him, pink curls bobbing. “Un peu plus lentement s'il vous plaît,” he implores. Instead, she switches to heavily accented English.

“My dear friend Johanna telephoned me, told me of your situation tragique, truly star-crossed,” she says, and Peeta struggles not to roll his eyes. “I think we can help you, non? Flavius?” she trills, and the concierge reappears.

Ten minutes - and four hundred and eighty-eight dollars - later, Peeta is clutching a keycard and breathing normally for the first time all day. They have a place to stay. One room, the only room left, but Flavius assured him the room has both a bed and something Effie called a petit divan. He thinks that’s a couch. Peeta is more than happy to sleep there, if it means saving the weekend with Kat. The weekend he’s been dreaming about since, while they were brainstorming winter soldier AU plotlines, he tentatively suggested setting their story in Canada, at le Carnaval d’hiver du Québec, the largest winter festival in the world.

He walks over to Katniss and flashes the keycard. She grins, and his heart soars.

His relief lasts only as long as it takes to climb the stairs to room twelve, their assigned space. The room, while beautiful, opulent really, is tiny. And the couch is little more than an oversized chair.

Peeta can’t look at Katniss, can’t stand to see her disappointment. Or worse, her anger. “I’ll, uh. I’ll go get our bags,” he says, then bolts back out of the room and onto the street.

Stupid, stupid, stupid echos through his head, a litany. He’s so pissed off about the lodging situation, so damned mad that their original plan got fucked up when he’s certain he booked the right weekend that he has half a mind to storm back to Madame Johanna’s.

Peeta pouts the block-and-a-half to his car and the block-and-a-half back. Everything is so completely messed up. Sharing a room was certainly not in their plans. Regardless of how he feels about Katniss, he’s a gentleman. But how’s it going to look to her when she trusted him to make all of the reservations, to deal with all of the people in a language she doesn’t even understand? Of course she’s going to think he’s an idiot, or worse, that he’s lured her here only to take advantage of her. He’s blown his chance with Katniss, and he’s probably also lost himself one of his best friends in the world.

It’s with trepidation that he pushes the room door open. But he finds the room empty, the door to the ensuite shut tightly, the faint sound of water running behind it.

He leaves her suitcase next to the bed, beside her carry on, and tucks his own beside the petit divan - that means loveseat, he remembers, not couch. Of-fucking-course. Now that he’s not running away, he can appreciate how cool, if small, the room really is. Hardwood flooring, exposed brick, and a gas fireplace across from the bed. He flips that on, thinking that Katniss will appreciate the little bit of extra heat.

The fire is crackling merrily when the bathroom door opens and Katniss treads back into the bedroom. Her eyes are swollen and red-rimmed and he feels like the worst kind of heel.

“Kat? What’s wrong?”

She shrugs and then sniffs. “Nothing. Don’t worry about it.” She shoves her hands into the pockets of her jeans. “I’m just tired I think.”

“Of course I’m going to worry about it. Look, I’m so sorry about the screw up at the apartment, alright? I don’t know how it happened. I swear I checked the date three times before I booked. I won’t fit on the loveseat, but I’ll sleep on the floor in front of the fireplace or the bathtub or something. And you can-”

“Cap.” She holds up her hand to stop him. “You paid a fortune for this room, I saw the bill when we came upstairs. I can fit on the loveseat. You shouldn’t have to give up the bed, not for someone you don’t particularly like.”

There have been few times in Peeta Mellark’s life when he’s been struck nearly speechless, but this is one of them. “You, you think… what?” he sputters. “Kat, you have no idea. “I’ve been waiting for this day for months! And now you’re finally here. And you’re just so amazing.”

She looks doubtful, confused, the redness of her eyes only enhancing their stunning silver colour. She’s unlike anyone he’s ever met, and that he’s somehow made her believe otherwise guts him.

“It’s true,” he insists. “Although why you haven’t run away screaming back to Texas after all the ways I’ve screwed up is beyond me.”

She shakes her head. “I don’t know why you think you’ve screwed up.”

Maybe it would be easier if he ticks them off for her one by one. “Lemme see. There’s whatever happened with the reservations-”

“That bitch was double-booked! On purpose!” Katniss bursts out. “She totally lied to you and you were incredibly polite. Ick. It was so Canadian of you. I wanted to shoot her in the eye with one of my arrows.”

Wait. She shoots? He wonders at that a bit and then continues. “I couldn’t get us a room with two beds.”

“You got us the last room in the city, paid a fortune for it, and now you’re refusing to sleep in the bed.”

He ignores that one. “Then there was that moment at the airport when I tried to hug you and you clearly didn’t want me to.”

“What if I did want you to!” she bursts out, her eyes shining. Realizing what she’s said, Katniss flushes and stares at her toes. “I’m not good at this people thing, Cap.”

“Peeta,” he corrects gently. “Please, Kat… Katniss, I mean. Call me Peeta.”

“Peeta.” The way her accent lingers over the vowel sounds in his name causes him to slip even deeper into love with her. “When you reached out to hug me I just froze. I didn’t know what to do. I’m sorry.”

For the first time since she stepped off the airplane almost two hours ago, Peeta feels a bit of hope bloom in his heart, as warm and gentle as a Texas spring night. “Could we start again, maybe?”

Katniss laughs a little hysterically and nods, even as she swipes at her eyes before wiping her hands on her jeans.

“Hi Katniss. I’m Peeta. I’m a big goof, clearly-” She chuckles. “But I am so happy you’re here. Thank you for being brave enough to come all the way up here to meet me.”

The smile he receives is more blinding than any dawn, more beautiful than any sunset.“ Hi Peeta,” she answers, and holds out her arms to him. He scoops her up, clasping her tiny frame against his broad chest and spinning her around, just once. A laugh bubbles from within her. She squeezes back and smiles up at him. “I was glad to make the trip. I wanted to get to know you for real.”

It feels so impossibly good to hold Katniss in his arms, Peeta knows he won’t be the first to let go. But eventually, she steps back and he releases her. “So what now?“ she asks, and her stomach growls.

“Sounds like it’s time to find something to eat.” 

Katniss nods, looking lighter than she has all evening. “I haven’t eaten since my layover at O’Hare,” she admits. “But, do you think maybe…” she starts, then shrugs and looks down shyly.

“Anything,” Peeta says. “Tell me, this is your vacation after all.”

“Well I wasn’t kidding about being tired. I left my house at five this morning.” Katniss glances at the clock beside the bed. “That’s nearly fourteen hours ago.”

“Thirteen,” Peeta snickers. “You’re not in the cactus timezone anymore. This is igloo time here.” Katniss rewards his teasing with a smile, a real smile, and it leaves him breathless. He can barely tear his eyes away. “How do you feel about pizza?”

Though he could order cardboard pizza from any one of the hundreds of shops in the old city, Peeta figures food is his chance to really impress Katniss. He leaves her to rest and freshen up while he makes the ten minute drive to La Boîte à Pain, home to the absolute best pizza in the entire province. He already knows what she likes; mushrooms, pepperoni and bacon.

It takes a little longer, but her groan of delight when he hands her the pizza box is worth it. “This smells incredible,” Katniss says from her perch, sitting cross-legged on the bed.

She’s changed clothing, the gorgeous coral sweater and slim jeans have been swapped out for yoga pants, and a t-shirt that clings to her slight curves. She almost looks happy. Peeta starts to move over to the loveseat, but she shakes her head. “Sit up here with me. We’ll have a picnic.”Peeta sets out the paper plates, napkins and bottles of water that came with their pizza before toeing off his shoes to join her. He grins as he watches her paw through the other bag he’s brought back. “What in God’s name is this?” she asks, waving a container. She flips back the styrofoam lid and sniffs cautiously

“That, my American friend, is poutine, practically the official food of la belle province du Quebec.” Peeta hands her a fork, but she doesn’t take it, continuing to stare. “It’s french fries, gravy and cheese curds.”

Her nose wrinkles adorably. “You eat this stuff? It looks like dog food.”

“I don’t just eat it, I love it,” Peeta says, laughing.

“Well there’s no accounting for taste.”

Peeta spears a serving of poutine onto his fork and takes a big bite. The fries are perfectly cooked; the rich, savoury gravy still warm. The salty curds have begun to melt, but they still make a satisfying squeak as he chews.  “This is possibly the best poutine I’ve ever had,” he enthuses.

Katniss takes a healthy bite of her pizza. “It’s all yours, big guy.”

“That’s what she said!”

Katniss groans.

“Seriously Katniss, this is a Canadian tradition. Don’t knock it until you try it.” He waves a dripping forkful under her nose until she relents. The sight of her wrapping those lush peach lips around his fork is so unintentionally erotic that he can’t blink. But then her face screws up in revulsion.

“Oh my God, that’s nasty,” she says, reaching for her water bottle. Peeta laughs hard enough to shake the entire bed. “Y’all really eat that? You’re not just pranking me?”

Peeta tries to affect an affronted expression, but he can’t stop giggling. Katniss laughs too, and they fall into the comfortable banter that they’ve always enjoyed, only now it’s face to face. And it’s incredible. Seeing her expressions - how her face lights up like dawn breaking when she’s excited, the little crease that appears between her eyes when she’s skeptical. The way she chews on her bottom lip when she’s pensive. He’d already been falling in love, but having her here now, live and three-dimensional and real… he’s a goner.

The pizza box lays empty, except for crusts and stray bits of mushroom, and they both lean against the headboard, chatting. But Katniss’s eyes are heavy from her long trip, and Peeta too is feeling the effects of the drive and excitement and stress of the day. “We, ah. We should probably get some sleep if we want to make an early start tomorrow.” Katniss nods, and Peeta thinks she looks just a little reluctant to end their evening. It reminds him off all of the nights they’d spent instant messaging while he’d been lying in bed, so exhausted he’d continually drop his phone on his face, and yet still not want to sign off.

Peeta takes the remnants of their meal out of the room and down the hall to the recycling station. When he returns, Katniss has started making up the petit divan. “Katniss, no,” he says. “You can’t sleep there, you’d be all twisted like a pretzel and I’m not going to be responsible for wrecking your back.” He tries for levity, tries to push back that anxiety about having screwed up so much, but he thinks she hears it anyway by the little line that again appears between her stunning silver eyes. “Please,” he says softly, tugging a pillow from her hands and tossing it onto the floor in front of the fireplace. “Take the bed. Don’t make me beg.”

Something flares in her eyes before she simply nods.

But when Peeta emerges from the bathroom, teeth brushed and curls still damp, Katniss is tucked into bed and all of the bedding is gone from the floor. She meets his confused expression with something that looks like defiance. “Look C- Peeta, it’s ridiculous for either of us to sleep on the floor after what you paid for this room. And this bed is huge.” He’d argue that queen-sized isn’t exactly massive, though she certainly looks tiny nestled in the crisp white sheets. “We can share.”

“Are you sure?” Peeta winces at the words, the girl of his dreams has just invited him to share a bed with her - however platonically - and still he feels compelled to be a gentleman and try to dissuade her. But if there’s anything he’s learned about KatsEye; passionate fangirl, smutketeer and ass-kicking beta extraordinaire, it’s that she never does anything she doesn’t want to. She’s strong and loyal, she’s the peanut butter in their friendship sandwich, the glue that keeps them together.

“Get in, goof,” Katniss grins, throwing back the corner of the comforter.

Though there’s a full twelve inches between them as they lie facing each other in the darkness, Peeta is struck by her immediacy, her presence. The sound of her soft breaths in the hush of the small room is soothing, comforting. It feels like such a luxury, drifting to sleep with Katniss right there, right beside him.

Katniss shifts, then Peeta feels her small, cool hand grasp his own under the sheets, their fingers entwine almost automatically. “I’m so glad you’re here, Katniss,” he whispers sleepily.

“Me too.”

[andrebooker7532]

Smart Leaders Play the Long Game

We live in the age of instant gratification. We want it now as consumers—hence the exponential growth of credit since the 1960s, whether in credit cards, conditional sales contracts, automotive loans or mortgages. And when it comes to business, the mindset of short-term financial results is foremost in the minds of CEOs, board chairmen (hardly any are women, incidentally) and shareholders. Consideration for the longer term, whether consumers or big-shot CEOs, is almost non-existent.

The sheep-like behaviour of consumers—coveting their neighbours’ or friends’ new acquisitions—is understandable to a degree. After all, we’re human beings who’ve been carefully and strategically groomed by corporations to desire more in our quest of perceived self-fulfillment and status. However, what’s somewhat bizarre and indeed irresponsible is when those people leading organizations engage in short-term thinking to attain some form of financial or ego-centric goal.

It doesn’t have to be the head of a company seeking financial results to please shareholders or credit rating agencies. It could be the leader of a not-for-profit organization who’s attempting to please her board of directors. Or it could be a deputy minister (equivalent to a secretary in the U.S. government) who is earning brownie points to downsize his department.

Your correspondent worked three decades for the Government of Canada, and during this time those in top leadership positions could earn bonus pay for cutting employees from the payroll. The problem was that as soon as a certain government (administration in U.S. terminology) achieved its downsizing cuts, the public service would then grow again. The losers from this game? Taxpayers and citizens.

Whether you’re the head of a private company (large or small) or a not-for-profit agency or a public sector department, your primary job is to look to the long-term: the horizon where nothing is certain, where obstacles and whitewater will challenge the organization along the way, and where you’ll need to be adaptable and to show resilience.

Someone who offers special insights into thinking strategically, and unfortunately who died too soon, is Stephen Covey (from a cycling accident in July 2012). Covey’s pithy messages from his numerous leadership books included one vitally important one: Begin with the end in mind (one of his 7 Habits of Highly Effective People).

Applying this lesson to a corporate setting means that those at the top must create a vision of the future that enrols all employees and that establishes a path with clear goals along the way. Where does your organization want to be in, say, five years? Or ten years?

Cost-cutting (people are the low-hanging fruit) is a tactical exercise that is sometimes necessary. However, it’s hardly a strategic approach to addressing competitive issues if you’re a for-profit company. If you’re part of a not-for-profit agency or government department, cost-cutting often serves to destroy morale and hasten the exit of talent.

The message here is to align short-term tactical decisions (the typical quarter-to-quarter business approach) with long-term strategy. Unfortunately, taking a long-term view is anathema to much of North American business. And hence the regular turbulence of sudden layoffs in companies as top executives strive to please shareholders and boards of directors.

Those who play the long game and make the effort to invest in building their organization’s resilience and adaptability to constant change are the strategic leaders of the 21st Century. Reactive 20th Century management approaches need to be deposited where they belong: in the dustbin of history.

Someone is sitting in the shade today because someone planted a tree a long time ago. — Warren Buffett

Click here to download a complimentary copy of Jim’s e-book Becoming a Holistic Leader, 3rd Edition.

Visit Jim’s e-Books, Resources and Services pages.

Take a moment to meet Jim.

from personivt2c http://employeeengagement.ning.com/xn/detail/1986438:BlogPost:193124 via http://www.rssmix.com/

[hudsonespie]

Webinar: Lending & Investing in U.S. Maritime Assets

The U.S. maritime industry offers significant opportunity for U.S. or foreign shipowners, lenders and investors. With massive coastlines on three sides and the largest inland water river system in the middle, the world’s largest economy has a dynamic maritime system that stretches from government cargo to national security, offshore wind to coastwise and river trade, offshore services to energy transportation. Today’s tidal wave of fiscal and monetary stimulus together with an emphasis on infrastructure development may further bolster demand for maritime services. 

But with unique and specialized laws on foreign equity ownership and vessel requirements, understanding and accessing this market takes commitment. In this episode Marine Money’s Matt McCleery talks to a leading lawyer and lender about their insights into both the nuances and broad strokes of the marketplace. This is a must-attend session for US and foreign owners, lenders and investors and for those capital providers who are not currently operating in the space but who wish to learn more.

About the speakers: 

Charlie Papavizas - Partner, Chair Maritime Practice, Winston & Strawn, LLP

Charlie Papavizas is a partner in the international law firm of Winston & Strawn LLP resident in Washington, D.C. and is the chair of its maritime practice group. Charlie has spent decades representing ship owners, operators and managers, shipyards, energy companies, marine construction companies, financial institutions and a variety of other interests in the world-wide maritime and energy industries. 

Kirk Phillips - President & Chief Executive Officer, Wintrust Commercial Finance

Kirk Phillips is President, CEO, and a founder of Wintrust Commercial Finance, a subsidiary of Wintrust Financial Corporation a $38 billion publicly traded bank holding company traded on the NYSE. He has spent over 30 years starting-up and building commercial finance business at organizations including ITT, Transamerica Equipment Financial Services and AIG Commercial Equipment Finance. In 2015, he joined with long time colleagues to form Wintrust Commercial Finance which is focused on providing loans and leases to middle market companies throughout the US and Canada.

Matt McCleery - President, Marine Money

Matt McCleery is the President of Marine Money and Managing Director of Blue Sea Capital, Inc. where he advises shipowners and investors on ship financing and investment transactions. He can be reached at mmccleery@marinemoney.com. Matt is the author of The Shipping Man, a series of novels about the adventures of a hedge fund manager who buys a cargo ship. Exit Strategy, the latest book in the series, will be published in August.

from Storage Containers https://maritime-executive.com/article/webinar-lending-investing-in-u-s-maritime-assets via http://www.rssmix.com/

[lovelyfantasticfart]

10 Suggestions For Creating Higher Conversations

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from Blogger https://ift.tt/36vKvIa

[jeremyridleyblog]

Thinking of Switching Your Current Home Loan Lender? Read This Article!

Buying a new home is always the biggest dream of any individual. And hence most people work hard enough to gather funds so that they can have their dream home. But not all can have enough funds even if they have found a dream home. In times like these, taking a home loan with the help of a mortgage broker can be beneficial. It will allow you to start living in your home quickly. Now as you might know that your job as a home loan borrower doesn’t just end here. You have to repay your loan at the interest rates applied by the lender in a specific time frame. But sometimes you might find that the lender of your home loan offers a high mortgage rate Barrie as compared to other lenders in the market. You might think that whether you can switch your home loan lender or not. Let us tell you that yes you can. You can certainly change your home loan lender with the help of a mortgage broker. But before you switch your home loan provider, here are a few things you must know. · When you switch your home loan to a new lender, you might have to pay a processing fee. The new lender will talk to you about this in detail. · You might have to pay some exit fees to your current lender for a successful switch. This exit fee will depend on your plan. And this is where having a Barrie mortgage broker will come in handy! The broker will help you find the right new lender without paying too much cost. Mortgage brokers such as Jeremy Ridley can be a great choice. Jeremy Ridley is amongst the leading mortgage brokers that work with Royal Bank of Canada (RBC). He is known to help several homeowners in choosing the right type of home loan with RBC. So, if you want to switch your mortgage from the current lender to RBC, contacting Jeremy Ridley will be the best decision. He will ensure that the whole process of switching goes smoothly and in your favour. He also specializes in vacation property mortgages and self-employed mortgages. Contact Jeremy Ridley now to get the best mortgage brokerage services. About Jeremy Ridley: Jeremy Ridley is a reputed and trusted mortgage broker Barrie who will assist you in switching your home loan to the Royal Bank of Canada. For more information, visit https://mortgage.rbc.com/Jeremy.Ridley Original Source: https://bit.ly/3sdNteI

[ourxcountryadventure]

August 11, 2018: Vimy

We awoke this morning excited for our adventure as today was the day we were headed out of Paris to visit the Vimy War Memorial. We had booked train tickets from the Gare Nord to Arras a town approximately 20 minutes from the site. Our train was set to depart at 8:50 am and being that train travel in general and European train travel in particular was not something with which we had a lot of experience we planned to arrive at the station at 8:00 to allow time for misdirections and unforeseen consequences.

Breakfast at the hotel was decided upon and turned out to be quite a fulsome and yummy buffet that allowed for the packing of snacks which we had been advised we would need as there is not a food service at the monument itself. We then headed out via the Metro towards Gare Nord to catch our high speed train to Arras.

Our adventure started with the simple task of securing subway tickets. We descended into the St Michel station entrance to find that there was no token machine located at the entrance. We did get to witness some high drama as a couple laden with suitcases and back packs raced for a train with the female leaping the turnstile to get there in time. We decided upon a less physical more legal action of going across the street to the other entrance where we found a machine and secured six return tickets. Once on the metro we had only a few stops before we reached the train station. Dad enjoyed the experience and we made sure that both he and Mom had ample time to plan their exit at the correct stop so as to not leave anyone on the train.

We had assigned seats on the train and once it arrived and we got settled we were quickly on our way. Dad handed out Canadian flag pins to everyone to put on our shirts so that we could show our pride. The high speed trip to Arras was scheduled to take approx 50 Minutes. At one point we were traveling at speeds in excess of 300 km/h!

Our arrival at Arras was smooth and we came outside to find the taxi stand just as we found described by many in Trip Advisor. One minor hiccup however....one empty taxi and none in sight. I phoned the number provided on Trip Advisor by several different people to find that Bruno had the day off but he assured me one of his colleagues would be right round. We called each number on the taxi sign to be answered by machines. Finally, Syl went inside to ask at the coffee stand and discovered the missing taxi driver inside. The size of his Mercedes car meant that we would have to go in two shifts. Syl and I took the first and shared with a young couple from Winnipeg (who ended up being on the return train with us in the seated in front of us what a coincidence). They had spent the last several months touring Europe and were in their last couple of weeks before heading home.

We arrived at the Canadian Visitors Centre and went inside to wait for our companions. We were greeted by Sally, a student from Aurora who was spending her summer working at the Parks Canada 🇨🇦 site.

The rest of our crew arrived approximately 40 Minutes after us. We took some time to look around the Centre and then headed out to see the trenches. Julie and Andrew also took a tour of the tunnels. The rest of us did a self guided tour which included seeing the trenches, craters, sheep, and of course the monument.

The site is beautifully curated with a portion that is home to a permanent collection and another section which has a display on loan from the Canadian War Museum that includes stories of many Canadian men, women and children who were impacted by the First World War. The stories were extremely moving and beautifully presented.

Outside the ground appears to be much like what you think of a hobbit village with grass covered mounds of earth everywhere. Then you see the trenches and the signs at the extremities noting the possibility of unexplored ammunition and you are reminded of what happened here over 100 years ago.

The preserved trenches snake like a maze. The sandbags replaced by concrete replicas and the mud and wooden ladders replaced by gravel and concrete forms. They are not as deep as I imagined them to be and when Syl’s 6’ stood up inside the top 1/3 of him was exposed. We could imagine the horrible conditions that they faced living their through terrible weather and conditions. Julie and Andrew’s trip into the tunnels revealed that they too had been modified for the safety of visitors. They had made them taller for visitors to be able to move more easily through them. They were able to see the chalk walls and imagine what it must have been like.

We continued our 20 minute walk from the trenches to the Monument taking a leisurely pace and enjoying the surroundings and the enormity of the site which was gifted to Canada by the French government in thanks for their help during WWI. We saw the Vimy Sheep 🐑 who act as groundskeepers in the lands that are known to have active ammunition still in the ground. Syl and Andrew reverted to their adolescent selves when they kept hoping for one to set off an explosion with little care or concern for these wooly patriots.

We approached the monument from the back and after enjoying our snack in its shadow, walked up the long mall towards it. It is powerful in its size and structure never mind its meaning and its representation. To get to the front we climbed the steps over the monument and found ourselves seeing it from an entirely different elevation and scale.

It is hauntingly beautiful. At the grave of the unknown soldier, there were wreaths and private tributes left. All over the monument there were small crosses and poppies which stood in stark contrast to the white stone.

It was a beautiful experience to be there.

Our return trip to Arras was orchestrated with our taxi driver and again we departed in shifts. Syl and I again went first and that gave us the time to scope out the immediate area around the train station for a bank and a good restaurant for lunch. Again we turned to our faithful travel companion, Trip Advisor, for a review and so when we all reconnected it was Yummy’s that was our destination.

Yummy’s is a burger joint with pizazz. Since Andrew and I had chosen burgers the day before so we opted for salad along with Sylvin, and the others chose the burgers which they deemed delicious. The salads were very good as well! Dessert was ice cream of varying combinations which was a nice way to top off our meal.

Back on the train and set to return to Paris at 3:17 pm we settled in and enjoyed the fast forward return to the City.

At the Gare Nord Julie and Andrew decided they would walk back to the hotel as they wished to do some shopping. The rest of us continued on with our plan of taking the Metro back to St Michel. What none of us took in to account was the different vibe that Paris exudes on Saturday late afternoon. The number of people out and about was staggering, the armed militia were traveling in groups of 4 or 5 as were the police. The station was full of people moving about but also gathering in groups. The subway cars were all full and standing room only Julie and Andrew had a similar experience in their walk which Julie described as a run as they found themselves in a neighbourhood where prostitutes were soliciting and groups of unsavory looking people were loitering along the streets.

Finally, back at the hotel safely we all had a bit of a rest before we got ready for our Seine Dinner Cruise on Le Calife.

The walk to dinner was lovely and calm as we had found the location of the boat previously at Pont des Arts. People were dressed so lovely for this experience that I was wishing I had brought something a little nicer than what I was wearing.

The maître d’/host made everyone feel special when he greeted us and escorted us to our table. We were seated on the top level by the window overlooking the Louvre and given champagne to begin our evening. Julie presented mom and I with Eiffel Tower charms which was very sweet of her. We made a toast to our great adventure and settled in to an amazing meal. There were two different prix fixe menu options and Julie teased mom that we got the peasants menu while she and dad ate like royalty but since mom treated all of us we all felt very special. It was all delicious and was timed perfectly. The cruise went towards Notre Dame and beyond both of the islands to a park where people were gathered and dancing to music being played over loud speakers: the swing, tango and waltz were identified at each of the gatherings. We then turned around and traveled under Pont Marie (no escape desired this time) and around the other side of the islands. When we arrived to the Eiffel Tower we emerged from under the bridge just as the twinkling lights came on. It was magical! Back to port at 11pm, we all walked back to the hotel together.

[classycollectorartisanposts-blog]

Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

"Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

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Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

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Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

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Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

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How come I can't keep my health insurance coverage?

President Obama stated that under the Affordable Health Care Act that any American that wanted to keep their existing coverage or doctor would be able to. I signed up today and they ...show more

What do Life and Homeowners insurance cover?

I have a tricky question that I really need an answer to. I just got back from the hospital. I was working on my garage this evening and I had a terrible accident. I was ripping a piece of ply wood with my table saw and I ended up cutting my middle finger on my left hand off. I have heard that in some instances life insurance pays out. I am just wondering if maybe that would be true. The other thing I was thinking is would my homeowners insurance possibly cover something like this. I have health insurance and am not too worried about medical bills. The problem I will have is keeping up with my bills when I cant work which sounds like quite awhile until this heals. My finger was non- repairable. I am in the construction industry. I need my hands to work. Any info would be greatly appreciated. Thanks

Where can I find affordable health insurance with no waiting period for maternity coverage?

We're residents of Virginia, but use a doctor and hospital in North Carolina, and can't seem to find a thing. Doesn't need to pick it up as a pre-existing condition. Ehealthinsurance.com didn't find a thing for us. Any help is appreciated.""

""I want to start trying for another baby by August, but I don't have medical insurance....?

My husband makes too much for me to get on Medicaid. I want to get a good insurance. I was wondering if anyone has any suggestions on what to do.

Insurance for new driver?

For a new male driver that just got their permit, which car would have cheaper insurance? 2013 Audi A6 3.0T or a 2000 Corvette convertible Most people's first responses are the Corvette, because it is a sports car. However, it has only slightly more power than the Audi, and is worth less than half of what the Audi is. Both cars are titled under the same persons name, if that makes a difference. Would the difference in value make the Corvette's insurance cheaper, or will it still be higher?""

Porsche boxster insurance?

I just got a quote online with my moms insurance for my new porsche boxster. It says $2789 a year. If i say my mom is the first and im the secondary driver since im 16 and insurance would be over $6000 a year. I live in a small town in Ontario.

Why is my car insurance so high at 18? How can I get it down?

I've just passed my test and learnt in a 1.4 diesel and I have a peugeot 206 1.4 hdi, I had insurance quote for 1800 a month ago and now they are saying its 3700 I don't understand what's changed in a month what's the best way to get it down, I'm going on my Nans policy as a named driver and registering the car in her name and its still 3700! Any ideas? Thanks in advance""

Cheapest car insurance in houston tx?

hello i need to find auto insurance that i can afford, i was wondering do they have one thats under a 100 ? well can you list me places that have the cheapest auto insurance""

Is this considered Expensive Health Insurance????

This is my firsft full time job with insurance out of college now. I was wondering if you thought it was expensive since I am new to this. It is 186 a month and I make 2200 a month. It does seem pretty good though, is this decent insurance?... No deductible. Doctors visits: 100% paid after a $30 dollar co-pay for physicians and $45 for a specialist 100% paid rehab services (phys. therapy, chiropractic visits) after 30 dollar co-pay, for a max of 60 visits a year 1 eye exam every 2 years, 100% paid after a 30 dollar co pay Dental: no deductible or co-pay, 100% paid for preventative services (exam, xrays, fluoride). 90% paid for basic services (filiings). The max they pay per year is 1,000""

Does anyone know why a vehicle registration number doesn't show any vehicle info in an insurance quote search?

I witnessed my neighbour's son damage my car (which was parked outside my house) due to snow but by the time I got out he had already gone. So I didn't get the chance to get his registration number. I've been trying desperately to get his parents give me his registration number and insurance details or ask him to get in touch with me and they are not willing to cooperate. They are not disputing the fact but they are not giving me the information. This morning he parked his car on his parents' drive. Obviously I took the registration number and informed the policy and my insurance company. However, I tried to do a search requestin and insurance quote (just to get more info on his vehicle, such as size engine, make, type etc) but his registration number doesn't yield any information on the vehicle, as it normally happens when you look for a car insurance quote. Does anyone know why this might be the case? Many thanks Helena""

Has any one used Insurance.Comparisons.org?

I saw one of those 'sidebar' ad's that seems too good to be true about discounted car insurance rates. I did not find any info about the company via Google, so have any of you guys heard or know anything about this company? I have a feeling it is one of those 'you get what you pay for' type of schemes, with vague answers to access your personal info. Thanks""

Fast old car that isnt cost millions to insure?

I am 17 i understand that the insurance on a very fast car would be millions! but i was wondering does anyone know an old fastish car that the insurance isnt tonnes and tonnes of cash in the UK

How much will I have to pay mom for Insurance!?

Ok, my mom agreed with me to let me get on her car insurance because I'm under 25 and if I was to get my own insurance it would cost a fortune. She uses Drive Insurance through Progressive. She has a 2007 Ford Edge and I think she's paying 185/mth. I'm getting a 1999-2000 Pontiac Grand Am and I'm not getting full coverage insurance just half (I guess)..How much do YOU think it will cost for me? I live in Michigan if that helps.""

Is a mechanical failure covered by an auto insurance policy?

is the cost of repairs for a mechanical failure covered by an auto insurance policy? Example: engine or transmission? I have full coverage on my vehicle

Under 18 car insurance.?

im 14 soon going to 15.my mom has nationwide car insurance (full cover + the other things) how much more would they charge for her too put me on her policy and the monthly payment?or whats a good, but cheap car insurance that would fit me?""

""Insurance paid out too much, Am I obliged to give it back?""

After a solicitors firm managed to draw out a car insurance claim for 18 months I finally settled 50/50 on the incident, instead of refunding me 50% (400) of my excess the solicitors paid me 100% (800). I verbally informed them of the error before they issued the cheque and they still proceeded, now they have noticed the error they are asking for me to return the money. Am I legally obliged to do so and how far are they likely to pursue this if I do not?""

Building/home insurance?

front door warped can i claim on insurance

Car insurance without a driving license?

I know there are insurance companies in california that sell car insurances without requiring a driving license. does anybody know some of these companies and what is the average price of this kind of insurances? thanks

""What are some affordable health insurance options for those with preexisting conditions, here in Wisconsin?""

I have a friend who is 31 years old, and is unable to find health insurance due to the fact that she had a heart attack a few years ago. I'm sure that she is only one of thousands of people in the same situation..but there has got to be some way to get affordable health insurance for her, here in Wisconsin. Is there anyone out there who has been in this situation, and has lucked out in finding affordable health insurance? We have been looking, but as of right now...to no avail.""

Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

Nanticoke Pennsylvania Cheap car insurance quotes zip 18634

https://www.linkedin.com/pulse/how-much-liability-insurance-should-typical-middle-class-lawson/"

[wionews]

Anil Ambani's RCom outlines new debt reduction plan with no write-offs

India's Reliance Communications Ltd outlined on Tuesday a plan to cut its debt by 390 billion rupees ($6.09 billion) underpinned by the sale of assets for which some non-binding offers had already been made.

The plan, which sent the company's shares soaring, expands on one it announced in late October. Reliance Communications (RCom) said on Tuesday it would involve no write-offs to lenders or bondholders, nor conversion of debt to equity.

The firm will exit the "strategic debt restructuring" process that allows lenders to conduct takeovers by swapping loans for equity, Anil Ambani, the businessman backing the company, told a news conference on Tuesday.

Foreign lenders have supported the plan, and RCom has received non-binding offers for some of assets, through whose sales it hoped to raise about 250 billion rupees by March, he added.

The announcement sent the company's shares up to almost 40 percent, and marks its latest attempt to remove a big cloud hanging over what was once the flagship of Ambani's business empire but has been hit with concerns about its ability to repay its debt after failing to pay interest on some of it.

Rising competition in India's telecom sector, including the entry of start-up Jio - backed by Anil Ambani's brother Mukesh - has trimmed margins in India's telecom sector to wafer-thin levels.

Competing in it would require "a pipeline into the Reserve Bank of India's printing press," Anil Ambani said at a news briefing in Mumbai.

"It is a guzzler of currency... It has engulfed many, many people and many many companies."

RCom had net debt of 450 billion rupees at the end of October, according to a slide presented on Tuesday, putting it among India’s most indebted companies.

As part of Tuesday's plan, RCom will shift 100 billion rupees of its debt into a special purpose vehicle that will develop the company's real estate assets in the suburbs of Mumbai.

RCom will also receive investments from private equity companies, helping further reduce debt, Ambani added, without providing details.

The asset sales would help RCom reduce its debt to below 60 billion rupees, he said, estimating the remaining enterprise-focused business' value at 150 billion rupees.

RCom has previously tried and failed to cut its debt, including through merging with fellow telecoms operator Aircel and by selling a stake in the firm to Canada's Brookfield.

Its shares slid to record lows after it presented its last plan in October.

Lenders and business partners have taken it to court after it missed debt payments.

China Development Bank last month initiated insolvency proceedings, saying a large amount of principal and interest from RCom was overdue. The lender was not immediately available for comment outside of business hours.

Ambani did not say whether CDB had signed off on the new plan, but noted he had landed at 4 a.m. from Beijing without explaining the reason for his visit to China.

  ]]>

[alienation2016-blog]

New Post has been published on Alienation

New Post has been published on https://alienation.biz/commercial-loan-financing-funding-business-growth/

Commercial Loan Financing - Funding Business Growth

Actually, conventional financing may not be the most effective way of getting cash or borrowing money that your want that allows you to move ahead together with your initiatives or enterprise. You can look for industrial financing loan from a lender who specializes in funding your projects.

Commercial financing loan is designed most effective for commercial enterprise functions and they apprehend the enterprise that you do in which in them regularly paintings with a commercial enterprise like yours.

The business financing mortgage is available for huge sort of initiatives and may be permitted a long way extra fast than conventional bank loans. So in locating a commercial financing loan, ensure that you’re running with a super lender this is inclined and able to paintings with you to clean out the technique of developing your business knowing that there are different commercial enterprise professionals which are not positive in which to search for so as to locate the right business financing loan that they need.

To make sure, try and ask your friends or loved ones if they recognize of a good industrial mortgage financing in which you can be comfortable and help you with your trouble in financing loan for your commercial enterprise. Take be aware that industrial loan financing is also referred to as industrial mortgage financing.

Before anything else or seeking out the industrial loan financing, you want to prepare, plan and whole the designated business plan to get commercial financing mortgage for the reason that lenders want to recognize extremely the details of your proposed enterprise ventures before they might help you. You need to reveal them your targets and describe to them in info how you may run or operate your commercial enterprise. Show the lender how many human beings you need to paintings with you in your enterprise, month-to-month expenses, and envisioned income and how you propose your commercial enterprise to generate coins glide.

You want to have an entire financial and coins waft assessment with a purpose to gain the economic mortgage financing and show them how your enterprise destiny might be precise in the vicinity wherein you wish your enterprise to start. If the lender finds your business powerful via your cash float evaluation which means you already know the way to manage the cash then for positive they let you along with your commercial enterprise.

Don’t go to one business loan financing however instead exit and save for it and evaluate their hobby fees, time period and situations so you can get the excellent commercial loan financing that in shape excellent for your wishes. What is essential in industrial mortgage financing is that they’re honest, reliable lender who knows you, your goals and your desires. You need to have a strong dating with the lenders so that you experience as t ease and might ask a decrease interest fee as viable.

  Finance Your SRED Claim Now And Take Advantage Of Your Grant Today

  Your potential to finance your SRED claim (aka ‘sr&ed claim) genuinely signifies the coins flowing of your nonerepayable authorities furnish. We assume that anytime you could hasten coins from the government and flip that into on the spot cash waft and working capital, well… That may be a proper thing.

SRED grants, (sr&Ed offers) are of path the finances you received from Canada Revenue Agency based on the submitting of your Scientific Research and Experimental Development (SR&ED) claim. These price range have by no means been greater generous and lots of Canadian business owners and monetary managers aren’t conscious that the program even exists, not to mention their ability to partake in the billions of greenbacks of none repayable grants issued through this branch within CRA Canada. Essentially it is the largest guide for studies in Canada. Many customers are constantly asking us if there are ‘government presents and loans ‘. We are of the opinion that the 2 nice programs in Canada to finance your company are the federal BIL/CSBF mortgage and of route the SRED software.

Your company ability to generate a claim right away turns into a non repayable coins supply. Timing is the entirety, and you’ve got the capability to finance that claim if you want to monetize the ones funds and get them working interior your firm. For many early degree and begin up companies the capacity to finance their SRED claim is regularly the largest receivable the firm has that 12 months. And the splendor of this system is of path that as alongside as your company is a private corporation you can partake in these price range.

As agencies, and at the same time as customers we normally use an ‘professional ‘to put together our taxes and document them. It is simply no exceptional with SRED and we recommend which you use a sr&Ed representative to make certain your declare is prepared properly. Naturally the use of their personal information, or the governments self assessment tool you want to make sure you’re eligible for the furnish, for the reason that it takes time to prepare and document the declare.

Naturally after filing a professionally organized claim you’re of direction entitled to look ahead to you cheque – that time-frame may be anywhere from more than one months to probably near a 12 months depending on some key elements as your first time submitting, and the due diligence that SRED personnel do on the technical and monetary factors of your claim.

So you are eligible for Sr&Ed. You have filed a claim. You had been made conscious you could finance the declare, however you are not certain how. In popular the banks in Canada do not finance these sorts of claims – it is a standard assertion, but ninety nine% of the time we’re pretty certain we’re accurate in making that comment. Therefore it’s far strongly encouraged you contact a business financing advisor who focuses on SRED finance. At that point it’s a tremendously really system, and we encourage clients to view it as they would any business financing, from a hire to a mortgage arrangement. There is standard utility records, and the complete process, as much as an which includes investment, can be finished in a way of weeks.

As a standard rule it makes experience to finance claims which can be over 250k in size, however quite frankly smaller claims can also be financed. There isn’t any task to the amount of financing re the dimensions of a SRED filing – Claims properly in extra of a million dollars can be without problems financed.

The key benefit of financing a claim is which you are not undertaking any debt; you’re just discounting a receivable that you have – that receivable being the SRED claim itself. The sr&ed filing itself is the real collateral for the financing – and in case you want greater top information you then have to be conscious you do not makes bills on a SRED claim finance. The price range advanced are netted out from your very last chq from the government. Usually SRED claims are financed at 70% of their filed value that leaves a buffer in case part of the declare is downsized when authorized.

Cash flow is king, when you have a SRED declare be conscious that declare is financeable, and your potential to get the ones fund working again commonly places you in a greater aggressive stance within your industry, and permits the ones funds to be used for further studies or any fashionable working capital cause. Speak to a trusted, credible and skilled guide in this region to make certain you’re aware of the benefits of sr&Ed finance – declare those price range!

  We experience sorry for you. Your company isn’t always inside the carrier enterprise. They are the fortunate ones with recognize to stock financing – there is no stock! Unlike your enterprise, which produces goods and includes stock to satisfy patron order wishes your offerings firms have no storage requirements!

If your firm has an funding in inventory then financing for that asset is regularly, if now not constantly, essential. Financing via bank credit score lines for the stock issue of your stability sheet is continually difficult, if now not in a few instances not possible. Most business owners and economic managers recognise that of your important current belongings ( receivables and stock ) that banks pick receivable, aka a/r financing.

So how do you finance your stock, and what are the requirements to get the sort of facility in region? The fact is that every commercial enterprise is unique and your firm could have unique categories of stock – most commonly they’re uncooked materials, work in progress, and finished goods.

Inventory financing in Canada is most usually financed below an ABL facility. What is ABL is the subsequent query our clients constantly ask. The acronym stands for asset based totally lending, and is a specialised form of financing this is ordinarily achieved by means of non bank institutions. Facility sizes generally tend to variety from 250k and up, as it is not definitely competitively priced for all parties (you and the lender) for finance amounts plenty beneath that.

Your ability to manipulate, record, and buy inventory maximum economically are key drivers in an inventory financing choice made via your stock financier. Your capacity to reveal, stock, and produce and bill and acquire are the simple necessities for an inventory financing facility. We would factor out that during many cases this facility also includes a receivable aspect, due to the fact, as all of us recognised, inventory flows right into a receivable which flows into… Dare we are saying it… Coins!

If you are unable to finance your inventory well you may very easily get into what can excellent be describe as a ‘ cash lure ‘- and that is no longer a terrific entice to be in. Typically each 1000 greenbacks of stock on hand can fee you between 150 and 250 greenbacks per yr when you consider a few obvious and not so obvious elements together with financing charges, garage, handling, insurance, and deterioration of the inventory which by its necessity forces you to do an asset write down.

[andrebooker7532]

Smart Leaders Play the Long Game

We live in the age of instant gratification. We want it now as consumers—hence the exponential growth of credit since the 1960s, whether in credit cards, conditional sales contracts, automotive loans or mortgages. And when it comes to business, the mindset of short-term financial results is foremost in the minds of CEOs, board chairmen (hardly any are women, incidentally) and shareholders. Consideration for the longer term, whether consumers or big-shot CEOs, is almost non-existent.

The sheep-like behaviour of consumers—coveting their neighbours’ or friends’ new acquisitions—is understandable to a degree. After all, we’re human beings who’ve been carefully and strategically groomed by corporations to desire more in our quest of perceived self-fulfillment and status. However, what’s somewhat bizarre and indeed irresponsible is when those people leading organizations engage in short-term thinking to attain some form of financial or ego-centric goal.

It doesn’t have to be the head of a company seeking financial results to please shareholders or credit rating agencies. It could be the leader of a not-for-profit organization who’s attempting to please her board of directors. Or it could be a deputy minister (equivalent to a secretary in the U.S. government) who is earning brownie points to downsize his department.

Your correspondent worked three decades for the Government of Canada, and during this time those in top leadership positions could earn bonus pay for cutting employees from the payroll. The problem was that as soon as a certain government (administration in U.S. terminology) achieved its downsizing cuts, the public service would then grow again. The losers from this game? Taxpayers and citizens.

Whether you’re the head of a private company (large or small) or a not-for-profit agency or a public sector department, your primary job is to look to the long-term: the horizon where nothing is certain, where obstacles and whitewater will challenge the organization along the way, and where you’ll need to be adaptable and to show resilience.

Someone who offers special insights into thinking strategically, and unfortunately who died too soon, is Stephen Covey (from a cycling accident in July 2012). Covey’s pithy messages from his numerous leadership books included one vitally important one: Begin with the end in mind (one of his 7 Habits of Highly Effective People).

Applying this lesson to a corporate setting means that those at the top must create a vision of the future that enrols all employees and that establishes a path with clear goals along the way. Where does your organization want to be in, say, five years? Or ten years?

Cost-cutting (people are the low-hanging fruit) is a tactical exercise that is sometimes necessary. However, it’s hardly a strategic approach to addressing competitive issues if you’re a for-profit company. If you’re part of a not-for-profit agency or government department, cost-cutting often serves to destroy morale and hasten the exit of talent.

The message here is to align short-term tactical decisions (the typical quarter-to-quarter business approach) with long-term strategy. Unfortunately, taking a long-term view is anathema to much of North American business. And hence the regular turbulence of sudden layoffs in companies as top executives strive to please shareholders and boards of directors.

Those who play the long game and make the effort to invest in building their organization’s resilience and adaptability to constant change are the strategic leaders of the 21st Century. Reactive 20th Century management approaches need to be deposited where they belong: in the dustbin of history.

Someone is sitting in the shade today because someone planted a tree a long time ago. — Warren Buffett

Click here to download a complimentary copy of Jim’s e-book Becoming a Holistic Leader, 3rd Edition.

Visit Jim’s e-Books, Resources and Services pages.

Take a moment to meet Jim.

from personivt2c http://employeeengagement.ning.com/xn/detail/1986438:BlogPost:193124 via http://www.rssmix.com/

[hudsonespie]

Webinar: Lending & Investing in U.S. Maritime Assets

The U.S. maritime industry offers significant opportunity for U.S. or foreign shipowners, lenders and investors. With massive coastlines on three sides and the largest inland water river system in the middle, the world’s largest economy has a dynamic maritime system that stretches from government cargo to national security, offshore wind to coastwise and river trade, offshore services to energy transportation. Today’s tidal wave of fiscal and monetary stimulus together with an emphasis on infrastructure development may further bolster demand for maritime services. 

But with unique and specialized laws on foreign equity ownership and vessel requirements, understanding and accessing this market takes commitment. In this episode Marine Money’s Matt McCleery talks to a leading lawyer and lender about their insights into both the nuances and broad strokes of the marketplace. This is a must-attend session for US and foreign owners, lenders and investors and for those capital providers who are not currently operating in the space but who wish to learn more.

About the speakers: 

Charlie Papavizas - Partner, Chair Maritime Practice, Winston & Strawn, LLP

Charlie Papavizas is a partner in the international law firm of Winston & Strawn LLP resident in Washington, D.C. and is the chair of its maritime practice group. Charlie has spent decades representing ship owners, operators and managers, shipyards, energy companies, marine construction companies, financial institutions and a variety of other interests in the world-wide maritime and energy industries. 

Kirk Phillips - President & Chief Executive Officer, Wintrust Commercial Finance

Kirk Phillips is President, CEO, and a founder of Wintrust Commercial Finance, a subsidiary of Wintrust Financial Corporation a $38 billion publicly traded bank holding company traded on the NYSE. He has spent over 30 years starting-up and building commercial finance business at organizations including ITT, Transamerica Equipment Financial Services and AIG Commercial Equipment Finance. In 2015, he joined with long time colleagues to form Wintrust Commercial Finance which is focused on providing loans and leases to middle market companies throughout the US and Canada.

Matt McCleery - President, Marine Money

Matt McCleery is the President of Marine Money and Managing Director of Blue Sea Capital, Inc. where he advises shipowners and investors on ship financing and investment transactions. He can be reached at mmccleery@marinemoney.com. Matt is the author of The Shipping Man, a series of novels about the adventures of a hedge fund manager who buys a cargo ship. Exit Strategy, the latest book in the series, will be published in August.

from Storage Containers https://www.maritime-executive.com/article/webinar-lending-investing-in-u-s-maritime-assets via http://www.rssmix.com/

[guelphbreakingnews]

Sears Store in #Guelph is Safe (For Now). 

TORONTO, June 22, 2017 /CNW/ - Further to its announcement earlier today, Sears Canada Inc. ("Sears Canada" or the "Company") (TSX: SCC; NASDAQ:  SRSC) and certain of its subsidiaries (the "Sears Canada Group") have been granted an order (the "Initial Order") from the Ontario Superior Court of Justice (Commercial List) (the "Court") under the Companies' Creditors Arrangement Act (the "CCAA").

Among other things, the Initial Order provides for a stay of proceedings in favour of the Sears Canada Group for an initial period of 30-days, subject to extension thereafter as the Court deems appropriate, and the appointment of FTI Consulting Canada Inc. as Monitor in the CCAA proceedings. The Initial Order also authorizes the Sears Canada Group to obtain debtor-in-possession financing in the aggregate principal amount of C$450 million (the "DIP Financing"), with (i) the Company's existing ABL lenders, with Wells Fargo Capital Finance Corporation acting as administrative agent, and (ii) the Company's existing term loan lenders, with GACP Finance Co., LLC acting as administrative agent.

The DIP Financing is expected to provide the Sears Canada Group with sufficient liquidity to maintain business operations throughout the CCAA proceedings.  The Sears Canada Group will work to complete its restructuring in a timely fashion and hopes to exit CCAA protection as soon as possible in 2017, better positioned to capitalize on the opportunities that exist in the Canadian retail marketplace.

The Company also announced the closing of 20 full-line locations, plus 15 "Sears Home" Stores, 10 "Sears Outlet" and 14 "Sears Hometown" locations as well as a corresponding planned reduction in its workforce of approximately 2,900 positions across its retail network and at its corporate head office in Toronto. A list of the stores that the Company anticipates closing is included with this announcement. The specific timing of the store closings has not yet been finalized. All other Sears Canada stores and the Sears e-commerce website, www.sears.ca, continue to be open for business.

The Initial Order does not apply to Sears Canada pension plan assets (i.e., the amounts that have previously been contributed into the pension plan), which assets are held separate from the assets of the Sears Canada Group. Accordingly, monthly pension payments to beneficiaries from that pension plan are not affected by the Initial Order and will continue in accordance with the terms of the plan.

In order to assist the Company with this process, it has retained BMO Capital Markets, as financial advisor, and Osler, Hoskin & Harcourt LLP, as legal advisor. The Board of Directors and the Special Committee of the Board of Directors of the Company has retained Bennett Jones LLP, as legal advisor.

Sears Canada Reinvention Continues

Sears Canada has been engaged in a reinvention of the Company over the last 18 months. Sears Canada rebuilt its front and back-end technology platform, redefined its brand positioning, revamped its product assortment, and rebooted its customer experience and service standards. These changes led to the Company reporting an increase in same-store sales in its two most recently completed quarters. However, the continued liquidity pressures facing the Company as well as legacy components of its business are preventing it from making further progress in its brand reinvention efforts and from restructuring its legacy assets and businesses, which is why it sought creditor protection under the CCAA.

Investor Matters

As a result of the CCAA filing, the TSX and NASDAQ have suspended trading in the common shares of the Company and the TSX has initiated an expedited delisting review. As previously announced, the Company received a letter of non-compliance in respect of certain continued listing criteria from NASDAQ on June 13, 2017 and remains under review for continued listing.  There can be no certainty as to timing or likelihood that the common shares will recommence trading on the TSX, NASDAQ or any other exchange or market.

Mr. Shahir Guindi, a Director of the Corporation, has resigned his post due to time constraints in his schedule.

Additional Information

A copy of the CCAA Initial Order and other information will be available on the Monitor's website at http://cfcanada.fticonsulting.com/searscanada. Information regarding the CCAA process may also be obtained by calling the Monitor's hotline at 416-649-8113 or 1-855-649-8113 (toll free), or by email searscanada@fticonsulting.com