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 The Greater Bay Area Plan - Integrating Hong Kong, Macau, Guangdong

What is the Greater Bay Area Plan?

Posted by Written by Mark Preen Reading Time: 6 minutes

On February 18, Chinese policymakers finally released the blueprint for the development of Guangdong-Hong Kong-Macau Greater Bay Area.

Much anticipated by real estate developers, industrialists, and investors alike, the Greater Bay Area (GBA) has already received plenty of attention for its ambition to transform nine mainland cities and two special administrative regions into a new Silicon Valley-type technology and innovation hub.

That integration would further prop China’s infrastructure and connectivity programs like the Belt and Road Initiative as well as strengthen the supply chain industry in higher-tech manufacturing and services.

Supporting the Greater Bay Area are three key infrastructure projects.

The first is the recently inaugurated Hong Kong-Zhuhai-Macau Bridge, which opened in 2018 and significantly reduces travel times from Hong Kong to Zhuhai and Macau.

The second is the Express Rail Link, which also opened in 2018 and connects Hong Kong to Shenzhen and Guangdong, and subsequently to China’s vast high-speed rail network.

A third project, the Shenzhen-Zhongshan Corridor, is expected to be completed in 2024. It will be an eight-lane highway and will reduce the travel time between Shenzhen and Zhongshan/Jiangmen by approximately 30 minutes.

Commenting on the value of these mega projects, Valeria Manunza, International Business Advisory Assistant Manager at Dezan Shira & AssociatesGuangzhou office, said, “this alignment of infrastructure development is the key to an integrated, efficient, modernized, and rapidly evolving Greater Bay Area”.

WEBINAR – China’s Greater Bay Area: Exploring Key Sectors for Direct Investment and M&A

Tuesday, July 13, 2021 | 4:30 PM Hong Kong / 9:30 AM London

Join us as we bring together a panel of top foreign business experts from four leading China business consulting organizations to address the sector opportunities in the GBA for trade, FDI, and M&A.

Speakers from the Embassy of the People’s Republic of China to the United Kingdom, the 48 Group, China Investment Research, Charltons Law, and Dezan Shira & Associates will discuss the growing number of business and investment opportunities within the GBA, focusing on several key sectors, through keynote presentations, a panel discussion and Q&A session.

Role of the Greater Bay Area in China’s economic development

Once it is physically integrated, the Greater Bay Area will put the region in a stronger position to achieve two other important parts of the initiative: increasing the Chinese economy’s value adding capabilities and boosting internationalization, both of which are important for China’s next stage of economic development.

To foster a region that adds more value in its economy, the initiative plans for the region to become an important global center for advanced manufacturing and to focus on innovation, financial services, transport and logistics, trade, and tourism and leisure.

These are areas where the GBA is already strong, different cities in the region have already established their own unique strengths.

Greater Bay Area china map

Hong Kong is known as a world financial center; Shenzhen is known as China’s “Silicon Valley” because of its innovation and startup culture; Guangzhou is known for its manufacturing industry and as a logistics hub; and Macau and Zhuhai are known for leisure and tourism.

A more integrated and open GBA allows for the further development of these industries. For example, the completion of the above mentioned key infrastructure projects makes it easier for middle-class consumers to escape to Macau and Zhuhai for the weekend.

Other projects in the pipeline will also help the region to move up the global value chain.

The Guangdong Free Trade Zone will make the region more open to international investment in the targeted industries.

Further to this, in January 2017, China and Hong Kong agreed to build the Lok Mau Chau Loop Technology Park. Located in Hong Kong, right on its border with Shenzhen, the park will allow Hong Kong to tap into Shenzhen’s booming innovation and startup ecosystem while also retaining Hong Kong’s strong legal system and business environment.

The initiative will have international impact beyond the GBA, as the region is located on the maritime section of China’s ambitious Belt and Road Initiative.

Manunza noted, “The region is already China’s most international region, with Guangdong province representing 26 percent of China’s trade and 28 percent of China’s exports.” Adding further, she explained that “A business that is already established in the Pearl River Delta region will be offered the opportunity to expand its range and use the region as a springboard to shift towards a more international approach.”

Companies located in the region that have already made this shift include Chinese tech giants Huawei and Tencent.

As an international city with a highly developed professional services industry and RMB convertibility, Hong Kong can assist Chinese companies to achieve these global ambitions, just as it has traditionally assisted international companies in achieving their ambitions in mainland China.

Integration challenges

A more integrated GBA will help make businesses in the region more competitive as they will be more integrated into both local and global supply chains.

Businesses will also be able to increase their competitiveness by relocating to new development hotspots, such as Zhongshan, Zhaoqing, and Huizhou, where rents and labor costs are lower than Shenzhen and Guangzhou.

For the initiative to be successful and for the whole region to be more internationally competitive, cities in the GBA must move away from unhealthy duplication and low-value manufacturing.

Manunza observed, “The idea is to strengthen the cooperation among the cities within the region by focusing more on their competitive advantages and unique strengths, to create a system in which each city is able to complement one another”. In turn, this will help maximize synergies between the cities.

However, the region will have to overcome silos between cities, especially those between Guangdong province, Macau, and Hong Kong. Currently, the region is less integrated than the European Union (EU).

“A successful GBA project,” Manunza said, “will only arise when each single city in the region is able to prioritize the Bay Area’s benefits over individual ones.”

For example, several sectors in the Chinese mainland are still closed to investment from Hong Kong despite the signing of the Closer Economic Partnership Agreement (CEPA) in 2003.

According to Manunza, important sticking points between the regions include currency use, immigration rules, and corporate tax rates.

Therefore, as well as infrastructure projects, the region will require more harmonized policies and regulations so that goods, services, capital, and people can move more freely within the region.

However, integrating the region’s mainland cities with the two special administrative regions of Hong Kong and Macau not just physically, but with coordinated and complementary laws and policies, is likely the plan’s most controversial aspect.

The special administrative regions enjoy freedoms not seen in mainland China, as well as different legal systems that better protect the rule of law.

Yet, the blueprint says that the GBA should create “an international and market-oriented business environment based on rule of law, under the jurisdiction and legal framework of mainland China.”

Critics of the plan fear that this emphasis on mainland China’s legal and economic systems mean that Hong Kong and Macau’s freedoms and comparative advantages could gradually erode as a result of greater integration.

While the GBA initiative faces an array of practical hurdles, it is clearly ambitious, and offers great potential and opportunities.

If the ambitions of the initiative are realized, the GBA will rival other bay areas in the world and transform the region into a global economic and business hub.

Transformation of the Pearl River Delta

In 1978, China launched a policy of “reform and opening-up”, which catalyzed the economic development of modern-day China. Leading the way in the implementation of this policy was South China’s Pearl River Delta (PRD) region.

Today, the PRD is one of China’s most open and dynamic regions. The PRD is known as “The Factory of the World” and in 2016 the combined GDP of the 11 cities in the region was RMB 9.35 trillion (US$1.38 trillion).

This accounted for 12 percent of China’s economy that year, even though the region accounted for five percent of the country’s population. If the region were a country, it would be the fifth largest economy in Asia.

Despite its success, the Chinese government did not allow the PRD to rest on its laurels.

Facing increasing competition from countries such as India and Vietnam for low-cost manufacturing, the PRD sought to become even more open and innovative by taking a leading role in China’s next stage of economic development.

With the signing of a framework agreement in July 2017 between the National Development and Reform Commission (NDRC) and the governments of Guangdong, Hong Kong, and Macau, the PRD placed itself at the center of an ambitious new initiative.

The initiative, first introduced in China’s 13th Five Year Plan, was to transform the delta into the “Guangdong-Hong Kong-Macau Greater Bay Area” by further integrating Hong Kong, Macau, and nine cities in Guangdong so that they became a world class city cluster.

If the initiative develops according to plan, the region will be transformed from “The Factory of the World” to a dynamic hub of innovation and services with a GDP of US$4.62 trillion by 2030. This could mean the PRD overtaking rival bay areas in Tokyo, New York, and San Francisco to become the biggest in the world in terms of GDP.

Editor’s Note: This article was originally published in February 2018 and has been updated to include latest developments.

About Us

China Briefing is produced by Dezan Shira & Associates. The firm assists foreign investors throughout Asia and maintains offices in ChinaHong KongIndonesiaSingaporeRussia, and Vietnam. Please contact info@dezshira.com or visit our website at www.dezshira.com.


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text:
 VAT Rates in China Lowered - 2019 Work Report Announcement

VAT Rates in China Lowered – 2019 Work Report Announcement

Posted by Written by Dezan Shira & Associates Reading Time: 2 minutes

China will lower its value-added tax (VAT) rates as part of an RMB 2 trillion (US$298.3 billion) cost cut package, as the government seeks to reduce costs for businesses amid a slowing economy and tariff dispute with the US.

The announcement was made by Premier Li Keqiang on March 5 in his annual Work Report delivered at the Two Sessions, where China’s policy agenda for 2019 was announced.

According to Li, China’s VAT rates will change as follows:

  • The 16 percent VAT rate, which applies to the manufacturing sector, will be lowered to 13 percent;
  • The 10 percent rate, which applies to construction and transport, will be lowered to nine percent; and
  • The six percent rate, which applies to services, will remain the same, but more deductions for the bracket will be introduced.

The new VAT rates will come into force from April 1, 2019.

Moreover, from April 1, 2019 to December 31, 2021, taxpayers in the service sector – which is the six percent VAT bracket – will be able to enjoy an addition input VAT deduction of 10 percent.

In addition to lowering VAT rates, Li said that tax authorities will continue to explore the possibility of further streamlining the VAT system by reducing the number of VAT brackets from three to two. China also reduced its VAT rates last year as part of a similar tax cut package.

Government officials have repeatedly stressed that tax cuts and administrative streamlining will be used to boost the economy in the place of broader stimulus spending, as the government seeks to reduce the country’s debt exposure.

As of April 1, China’s updated VAT rates will be as follow.

About Us

China Briefing is produced by Dezan Shira & Associates. The firm assists foreign investors throughout Asia from offices across the world, including in DalianBeijingShanghaiGuangzhouShenzhen, and Hong Kong. Readers may write china@dezshira.com for more support on doing business in China.

10 thoughts on “VAT Rates in China Lowered – 2019 Work Report Announcement

    Scott says:

    1. WHEN will the reduced 13%, 9% rates take effect? Has that been announce?
    2. Generally VAT is due when goods are delivered and the job is completed. For a Job that was booked and mostly produced in a former period, but finished in the new lower VAT rate period, which rate prevails?

    China Briefing says:

    It was recently announced that the new VAT rates will take effect from April 1, 2019. For information on how the reform will affect your business, please contact our tax specialists here: https://www.dezshira.com/services/tax

    Ivan Dobrev says:

    Could you explain what will be the effect of VAT cuts on export prices?

    Mark Heath says:

    How will this effect the cost of exports. The export VAT rebate has been adjusted inline with VAT, but some suppliers are claiming they have lost 3%.

    Les.Lewis says:

    We have found mixed interpretation on how the VAT reductions will be realised in practice. We see some suppliers reducing the VAT rate but increasing the product cost so the gross price remains the same. ie the supplier is taking the VAT reduction as an opportunity to roll out a price increase. In other cases, the supplier has reduced the gross sell price taking the VAT reduction and passing through to the end customer.

    What was the governments intent?

    Scott A. says:

    It was explained to me that before April 1st, factories were paying the government 13% VAT but were getting back 16% as an export incentive. (extra 3%) Is this correct?

    China Briefing says:

    The VAT cuts may aid exporters, but it will be up to them whether they change their prices accordingly.

    For more information, please contact our tax specialists: https://www.dezshira.com/services/tax

    China Briefing says:

    From our view, the government was looking to reduce costs for businesses with the VAT cut. It is up to the recipients of the tax cuts whether they will pass the lower prices to the consumers.

    TUSHAR DOSHI says:

    Sir is possible you can inform us for VAT on
    H S CODE WILL BE “ 35069900 Other prepared glues and adhesives, not elsewhere specified or included”

    Thanks, Rgrds
    Tushar doshi

    China Briefing says:

    Thank you for your inquiry. For advisory on VAT, please contact our specialists here: https://www.dezshira.com/services/tax

Comments are closed.

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PC-54 1960 Taiwan Postcard

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WS 392-2012

WS 392-2012_English: PDF (WS392-2012)
Standard IDContents [version]USDSTEP2[PDF] delivered inStandard Title (Description)Related StandardStatusPDF
WS 392-2012English459 Add to Cart 4 days Clinical application of ventilator WS 392-2012 Valid WS 392-2012

Standard ID WS 392-2012 (WS392-2012)
Description (Translated English) Clinical application of ventilator
Sector / Industry Health Industry Standard
Classification of Chinese Standard C05
Classification of International Standard 11.020
Word Count Estimation 20,274
Quoted Standard GB 9706.28; WS 310
Drafting Organization Huazhong University of Science and Technology, Union Hospital, Tongji Medical College,
Administrative Organization ?PRC Ministry of Health
Regulation (derived from) ?Health-Communication (2012) 15; Industry Standard Filing Announcement 2012 No.10 (Total No.154)
Summary This standard specifies the use of personnel and unit ventilator basic requirements. Clinical application process, monitoring indicators. Scope ventilator, the ventilator classification and methods of use. Nursing principles. Ventilator during treatment s

WS 392-2012
Clinical application of ventilator
ICS 11.020
C 05
People's Republic of China Health Industry Standard
Clinical application of ventilator
2012-09-04 released
2013-04-01 Implementation
Published by the Ministry of Health of the People's Republic of China
1 Scope
This standard specifies the basic requirements of the ventilator users and units, the clinical application process, monitoring indicators, the scope of application of the ventilator, and the classification of the ventilator.
And methods of use, nursing principles, application specifications of sedatives, analgesics, and muscle relaxants during ventilator treatment, and ventilator-related complications.
This standard is applicable to the clinical application of ventilators by medical personnel at various medical institutions at various levels throughout the country.
2 Normative references
The following documents are essential for the application of this document. For dated references, only the dated version applies to this document.
For undated references, the latest version (including all amendments) applies to this document.
GB 9706.2 8 Medical electrical equipment Part 2. Particular requirements for ventilator safety. Therapeutic ventilator
WS 3 1 0 Hospital Disinfection Supply Center
3 terms and definitions
The following terms and definitions apply to this document.
Life support device capable of improving respiratory function, reducing respiratory energy consumption and saving heart reserve capacity.
Noninvasive positive pressure ventilation
Connect the patient with the mechanical ventilation mode by nasal or face mask.
Artificial airway
Temporary gas passages created by catheters through nasal, oral or tracheotomy 3
Volume-controlled ventilation, VCV
The ventilator achieves ventilation with a preset ventilation volume.
Pressure-controlled ventilation, PCV
The ventilator achieves ventilation with a preset airway pressure.
Controlled ventilation; CV
The ventilator completely replaces the patient's spontaneous breathing, providing all the work of breathing.
Assisted ventilation
Rely on the patient's inhalation effort to trigger the ventilator's inspiratory valve to achieve communication
Respiratory rale
Number of breaths per minute.
Breathing ratio, I. E
The ratio of inspiratory time to expiratory time.
Inspiratory flow rate
Gas volume passing through a certain point per unit time.
Trigger sensitivity
Can trigger ventilator-assisted ventilation, changes in pressure or flow rate in the tube caused by patient's spontaneous breathing.
Positive end-expiratory pressure; PEEP
A ventilation-assisted method to make the airway pressure higher than atmospheric pressure by artificial measures (such as a device that restricts air flow at the exhalation end) during the expiratory phase.
4 Basic requirements for ventilator users
Practitioners or registered nurses who meet the following requirements are eligible to use a ventilator.
a) Grasp the pathophysiology of respiratory system, respiratory physiology, and respiratory failure;
b) Grasp the working principle, performance characteristics and commonly used mechanical ventilation modes and parameter settings of the breathing scabs used;
c) Grasp the clinical significance and determination methods of commonly used breathing and circulation monitoring indicators;
d) master the routine maintenance and disinfection methods of the ventilator used;
c) Can judge the working status of the ventilator used and deal with it accordingly.
5 Basic requirements for units using ventilator
The unit using the ventilator should have the following conditions.
a) Have personnel who meet the requirements of Chapter 4
b) monitoring equipment with vital signs;
c) Conditions for monitoring commonly used respiratory indicators;
d) have oxygen source and sputum suction equipment;
c) have rescue equipment and personnel;
f) Have basic maintenance and disinfection capabilities of the ventilator;


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Chesneys Alpine 4 smoke control stove
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Chesneys Alpine 4

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Two cash-strapped schools have asked parents to make a donation in the wake of stringent Government cuts.

Queen Elizabeth High School in Hexham, Northumberland, faces losing more than £521,000 from its budget by 2019, according to education unions.

And Hexham Middle School is at risk of losing more than £176,000 over the next two years.

Executive head teacher, Graeme Atkins, told parents he is “extremely worried” about the funding cuts and the impact it could have on pupils.

He warned that it could lead to larger class sizes, extra‐curricular provision being reduced and staff potentially leaving.

Mr Atkins said: “We do not undertake this step lightly. However, the reduction in funding over the next few years in the face of rising costs puts at genuine risk the quality of provision to which we have become accustomed at both our schools.

Hexham Middle School in Northumberland
Hexham Middle School in Northumberland

“We appreciate that some families are hard pressed and will not be able to make a financial contribution, which is absolutely fine.

“However, for those who are able – be it parents of existing students, former students or indeed members of the wider community – it will help enormously.”

Parents are being asked to donate voluntarily by a single payment or setting up a standing order payment.

They are also being urged to write to their local MP and sign a petition set-up by education unions opposing the cuts.

The Government unveiled plans to overhaul its funding formula for schools across England to reduce inequalities in the system.

The Department for Education said school funding was at its “highest level” on record.

It said under the proposed national schools funding formula, more than half of England’s schools will receive a cash boost in 2018-19.

However, the National Union of Teachers and the Association of Teachers and Lecturers fear “a generation of children will be let down” by the changes to school funding.

The unions warn Queen Elizabeth High School faces budget cuts of £521,172 by 2019 and 14 teachers could lose their jobs.

They also claim Hexham Middle School could lose £176,258 over the next two years putting five jobs at risk.

In Northumberland alone, more than £10m could be lost from school budgets putting 268 jobs at risk.

Kevin Courtney, general secretary of the NUT, said: “Budgets have already been cut to the bone and all the sacrifices and compromises have been made.

“Schools simply cannot take another blow to already precarious finances. We need to invest in education.

“Failure to do so will be seriously letting a generation of children and young people down.”

To find out how your school could be affected, visit


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TAG Heuer CBE2110.FC8226 - Heritage Calibre Heuer 02 Automatic Chronograph Black Dial Men's Watch

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Data de entrada: 19 de jun. de 2022

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Los Statos Deluxe

Introducing Los Statos Deluxe - Reimagined for 2022 and beyond. As a byproduct of the collaborative design efforts of Matt Booth and Justin Andrews, Los Statos Deluxe takes a refreshed stance on shelves across the world starting now. Trust in tradition is our currency. The scope of this project was to reimagine a tried and true staple of your humidor to invite the eyes of our next generation of enthusiasts, whilst remaining loyal to the soil from where Los Statos Deluxe was born.

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Fund Writing Officer

The Cyprus International Institute of Management is an international Graduate Business School based in Cyprus since 1990 ( aiming to be upgraded to a full – fledged university in the forthcoming years.
CIIM is seeking to hire a Fund Writing Officer to administer funding opportunities mainly for companies. Aiming to constantly upgrade proposal – writing quality to secure competitive funding, locally, from the European Union or other foundations,
is the priority for this position.

Responsibility and Duties

  • Responsible either for the full proposal or a part of it, depending on the project and agreement;
  • Identify funding bodies and capture funding opportunities locally and outside Cyprus; identify government initiatives and subsidiaries for companies
  • Responsible to write, develop, edit and finalize the proposal including all the information (including finance), details and documentation;
  • Coordinate with all necessary parties to gather all data needed for the proposal;
  • Lease with potential partners, support the formation of the consortium and engage in negotiations and pre-bid agreement.
  • Meet the proposals’ deadlines;
  • Maintain an excellent organised proposal support database;

  • MBA, MA or MSc degree;
  • At least 2 years of experience in grant writing or comparable experience in a professional or academic setting;
  • Experience with funding bodies and competitive bids;
  • Proven excellence in English language written and oral;
  • Able to understand and apply each proposal’s writing standards including excellent readability and tone;
  • Strong writing, proofreading, editing skills resulting an error free proposal; an eye for the proposal’s aesthetics is essential;
  • Attention to detail and critical thinking;
  • Able to work responsibly and independently;

How to apply

If you have the required skills and you are seeking for a stable work opportunity in a growing environment, please send your CV to

All applications will be treated with the strictest confidence. CVs and Personal Data will be kept secured and will only be stored for employment purposes. Only successful applicants will be contacted.

For Faculty openings, please click here


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Skip to main content

How Gotham Changed Catwoman's Origin Story

Spoiler alert for anyone who hasn't yet watched Gotham's "The Primal Riddle."

Tonight's episode of Gotham wasn't quite as absurd and baffling as other recent installments, but lots of plot movement occurred, with Ed Nygma's Riddler causing issues among one villainous group while a vengeful Penguin and Ivy somewhat peacefully put together another squad of baddies. But even in an episode with the return of Mr. Freeze, perhaps the biggest moment came whenever young Selina Kyle took the final step on her path to becoming Catwoman, and while it was an aesthetic reminder of Tim Burton's Batman Returns, the set-up and execution were quite different.

While O.G. Bruce Wayne is out learning wisdom from a new mentor, Bruce 2.0 is assuming the future Batman's identity within Wayne Manor, all while checking in with his "masters," the Court of Owls. But it seems like this version of Bruce isn't capable of wholeheartedly falling to villainous intentions, and we see him grow reluctant to go through with a plot that will kill people within Gotham City. it culminated in him showing up to warn Selina that bad things were going, and he advised her to leave town. Of course, confessing that he wasn't really Bruce Wayne wasn't a genius tactic, and after she threatened to out Bruce 2.0 to Alfred, the doppelgänger's impulses took over and pushed Selina out of a window, at which point she fell to her flat-backed death that luckily didn't completely destroy the back of her skull. The cats might have eaten it all up anyway. Ew.

catwoman origin gotham selina dead

Selina's big fall was hinted at in a previous trailer, at which point the Michelle Pfeiffer comparisons were impossible to escape. But rather than catching some evildoer in the act, she's killed for not heeding an evildoer's somewhat kind-hearted words. And really, there aren't a whole lot of "Selina Kyle dies and is resurrected as Catwoman" origin stories out there, since the villainous persona tends to form while Selina is still alive and intent on causing some mayhem.

Strange that this non-Bruce would kill Selina when it's the very thing he struck out to stop from becoming a reality, and it will no doubt play heavily into how Bruce and Selina's relationship moves forward. Assuming, of course, that she doesn't just stay unmoving on that hard ground for the remainder of the season. But will cats be the impetus for her regained health, or will another member of Gotham City's rogues gallery step in?

Gotham will continue rolling on through its "Heroes Rise" arc every Monday night on Fox at 8:00 p.m. ET. Check out what actress Camren Bicondova told us about the Catwoman storyline that she used as inspiration for Gotham and then head to our summer TV guide to see what's coming to the small screen in the near future.

Nick Venable
Nick Venable

Nick is a Cajun Country native, and is often asked why he doesn't sound like that's the case. His love for his wife and daughters is almost equaled by his love of gasp-for-breath laughter and gasp-for-breath horror. A lifetime spent in the vicinity of a television screen led to his current dream job, as well as his knowledge of too many TV themes and ad jingles.


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Following the interest rate cut of 25 basis points by the Federal Reserve. Brent crude fell below $65 while West Texas.

U.S. West Texas intermediate (wti) clc1 crude was down 72 cents. But U.S. output rose in a market that remains well.

What Are Fed Rates Fannie Mae Rate Sheet According to a recent survey from Fannie Mae, the number of people who believe mortgage. CLICK HERE for your weekly stock cheat sheets NOW! “The spike in mortgage rate expectations this month seems.The federal reserve board of Governors in Washington DC. FRB: H.15 Release–Selected interest rates–historical data skip to main navigation skip to secondary navigation skip to content

NOTE: All of the above Excel links go to the same document.Use the tabs at the bottom of the spreadsheet to make sure you have the desired table. For more information regarding calculation of the Discount Rate and Interest Rate, contact CompConnection at 800-252-7031, option 3.

30 Year Commercial Loan Rates Loans for Landlords with 30 Yr Fixed Solutions. font size decrease font size. Now announcing 30 year fixed rates for 1 property at a time! NEW – 30/30. Rental Home Financing originates commercial blanket loans with a commercial purpose and is not currently authorized to make such loans in.

Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas. Origination fee program not available for short term loans, FHA or VA loans.

The loan office at Happy State Bank, the only bank in Silverton, Texas, has barely changed in the 73 years. Drought, lower crop prices because of the trade war with China, and rising interest rates.

Typically, CD interest rates are higher than traditional savings accounts, but as a trade-off you must keep your deposit in the account until the maturity date or you may incur early withdrawal.

Oil closed at its highest level in more than two weeks and then stumbled after Federal Reserve Chairman Jerome Powell seemed.

Trading was muted for much of Wednesday until the Fed issued its interest rate policy statement at 2 p.m. Eastern Time..

Fha Lower Interest Rate The new term could be a lower interest rate, a shorter time frame to pay off the loan, or both. fha mortgage rates versus conventional mortgage rates. Currently, many FHA mortgage rates are lower than conventional mortgage rates thus there may be a long-term savings to obtaining a FHA mortgage.

Current Texas Veteran Loan Rates. Texas Vet Loan interest rates are set by the Texas Veterans Land Board, and are updated once a week on Friday after 5:00 (for the following week). We publish these rates each week on this website, in the upper right side bar area of most pages on this website.

Apache/2.4.10 (Debian) Server at Port 80

Texas interest rate laws are stated in Texas Finance Code, Title 4 (Regulation of Interest Loans and Financed Transactions), Subtitle A (Interest). Under Section 302.002, the state legal maximum interest rate is six percent per annum. Under Section 304.002, interest rate on money judgment is 18 percent per annum.


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News Flash

News Carousel

Posted on: June 3, 2022

Residents Invited to Share Ideas for Riverfront Redevelopment

An aerial view of the Tridge and Farmers Market circle along the river

June 3, 2022 – The City of Midland and Downtown Development Authority invite residents to help reimagine the future of the Downtown Midland riverfront during a community input meeting to ‘Reimagine the Riverfront’ on Thursday, June 23 from 6 – 7:30 p.m.

The session will be held in Council Chambers of Midland City Hall, 333 W. Ellsworth Street, and will include an overview presentation from architect consulting firm PM Blough, Inc. and a brainstorming session to share ideas for future uses, amenities, and activities that could be created along the north side of the Tittabawassee River from the Poseyville Bridge to M-20.

During the input session, attendees will be asked questions including “What do you like about the current riverfront?”, “What new things or activities would make you visit the river area more often?”, “How can we create year-round activity along the riverfront?”, and more. Input gathered from this meeting will be used to create initial design concepts and programming ideas for future development along the river.

Residents who plan to attend the input session in person are asked to RSVP with a 'ticket' (for space/planning purposes only) at

Residents who cannot attend in person can participate via the chat feature on the Zoom video conference platform using the following methods:

  • Online:
    • Webinar ID: 828 1422 7650
    • Password: 041469
  • Phone: (646) 558-8656
    • Webinar ID: 828 1422 7650
    • Password: 041469

For those unable to attend in person or via Zoom, an online survey will be launched via the City’s online community engagement platform, E-CityHall in July that will collect similar input for planning and development of the riverfront area. To sign up for the service and receive updates when the survey is posted, visit

For more information or questions about this session, please contact the Downtown Development Authority at 989-837-3304 or For more information on the Reimagine the Riverfront project, visit

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Other News in News Carousel

New City Clerk Lacey Todd

Lacey Todd Promoted to City Clerk

Posted on: April 8, 2022
A black MPD SUV sits on green grass in front of the Tridge on a sunny day

MPD Awarded Grant for 3D Scene Scanner

Posted on: January 7, 2022
Red fire hydrant in a yard

Adopt a Hydrant This Winter

Posted on: January 7, 2022
4 toy cars parked in a square around yellow lines in a parking lot

On-street Parking: Rules of the Road

Posted on: November 12, 2021


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Let Your Apparels,Define your presence! Get them from Kiaara

Attributes: Exhibition

Diwali is that time of the year when everything and everyone around us comes in the mode of re-incarnation. While entering into a New Year, it is also important to exuberate those positive vibes! Tomorrow, on 12th October, Kiaara is coming here at Anay Gallery, Prahladnagar to help you with the same! | Contact: 9428101213  9974421774

The collection here consists of colourful yet classy fashion wear with a proper contemporary touch. Kiaara brings you an array of Indo-western, casual and ethnic wear options that can double up for you as the festive attires as well as the perfect holiday wear options!

Get going to Anay to find all your fashion fixes for this season under one roof!

Date- 12th October

Venue- Anay Gallery, Pushpak Center, Opp. Prahladnagar Garden, Anandnagar Rd, Prahladnagar.

Time- 11AM to 8PM

Contact- 9428101213 / 9974421774

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It’s a heritage of Ahmedabad. No it’s not a monument or a place; it&rsquo


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Foreign Policy Watch: India-Russia

The anatomy of India’s Ukraine dilemma

From UPSC perspective, the following things are important :

Prelims level : NATO

Mains level : Paper 2- Implications of Ukraine crisis for India

Late last week, India abstained from a United Nations Security Council (UNSC) resolution which called for condemning the Russian military action against Ukraine.

Understanding India’s position on the Ukraine issue

  •  New Delhi has taken a subtle pro-Moscow position on the question of Russian attacks against Ukraine.
  • A geopolitical necessity: India’s Russia tilt should be seen not just as a product of its time-tested friendship with Moscow but also as a geopolitical necessity.
  • There are understandable reasons for India’s (subtle) pro-Russia position: an aggressive Russia is a problem for the U.S. and the West, not for India.
  •  North Atlantic Treaty Organization (NATO) expansion is Russia’s problem, not India’s.
  • China problem: India’s problem is China, and it needs both the U.S./the West and Russia to deal with the “China problem”.
  • Neighbouring China as the rising superpower and Russia as its strategic ally challenging the U.S.-led global order at a time when China has time and again acted on its aggressive intentions vis-à-vis India, and when India is closest to the U.S. than ever before in its history, throws up a unique and unprecedented challenge for India.
  • There is an emerging dualism in contemporary Indian strategic Weltanschauung: the predicament of a continental space that is reeling under immense pressure from China, Pakistan and Taliban-led Afghanistan adding to its strategic claustrophobia; and, the emergence of a maritime sphere which presents an opportunity to break out of the same.

Why India needs to balance relations with Russia and the US

  • Relations with Russia to manage continental challenges: New Delhi needs Moscow’s assistance to manage its continental difficulties be it through defence supplies, helping it ‘return’ to central Asia, working together at the Shanghai Cooperation Organization (SCO) or exploring opportunities for collaboration in Afghanistan.
  • Relations with US to manage maritime challenges: When it comes to the vast maritime sphere, the Indo-Pacific to be precise, Russia is not of great consequence to India.
  • That is where its American and western partners come into play. India is simply not in a position to address the China challenge in the maritime space without the active support of American and western navies and, of course, the Quad.
  • This unavoidable dualism in the contemporary Indian strategic landscape necessitates that India balances the two sides.

Implications of war on Ukraine for India

  • 1] It will embolden China: Russian action in Ukraine dismissing the concerns of the rest of the international community including the U.S. will no doubt embolden China and its territorial ambitions.
  • 2] Sanctions on Russia will impact India’s defence cooperation: The new sanctions regime may have implications for India’s defence cooperation with Moscow.
  • 3] Russia-China axis: The longer the standoff lasts, the closer China and Russia could become, which certainly does not help India.
  • 4] Focus will move away from Indo-Pacific: The more severe the U.S.-Russia rivalry becomes, the less focus there would be on the Indo-Pacific and China, which is where India’s interests lie.

Foreign policy challenge for India

  • Position of geopolitical vulnerability: India’s responses to the Russian aggression on Ukraine underline the fact that India is operating from a position of geopolitical vulnerability.
  • Going forward, India’s ability to be a “swing state”, “major power” or a “leading power” stands diminished.
  • There will be more middle-of-the-road behaviour from New Delhi rather than resolute positions on global strategic developments.
  • Interests over principles: India’s position also shows the unmistakable indication that when it comes to geopolitics, New Delhi will choose interests over principles.
  • A careful reading of India’s statements and positions taken over the past few days also demonstrates a certain amount of discomfort in having to choose interests over principles.
  • There is perhaps a realisation in New Delhi that a dog-eat-dog world, where rules and good behaviour do not matter, does not help India in the long run either.
  • Mastering the art of balancing extremes: Going forward, if tensions between Russia and the West persist, balancing extremes will be a key feature of Indian diplomacy.
  • Even though New Delhi abstained from voting on it (thereby siding with Moscow), it made its unhappiness about the Russian action clear in the written note.
  • Sticking to the principle of strategic autonomy: New Delhi’s response to the recent crisis, especially its “explanation of vote” at the UNSC indicates a careful recourse to the principle of strategic autonomy: India will make caveated statements and will not be pressured by either party.

India’s indirect support to the Russian position is not a product of Russian pressure but the result of a desire to safeguard its own interests.

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Midwest Logistics Systems

Midwest Logistics Systems Dedicated truck driver

4 days ago

Midwest Logistics Systems

Lima, OH

Job Details

Age of Fleet4 Years
Trailer TypeVan
Employment TypeCompany Driver

Lima, OH | $1,600 sign-on bonus

Average pay: $950-$1,150 weekly

Home time: Daily

Experience: 3 months or greater CDL experience

Job ID: 220907

  • Work directly for Midwest Logistics Systems (MLS).
  • Predictable daily home time work schedule: Monday-Friday work, with occasional Saturdays.
  • Out-and-back dedicated routes.
  • Haul automotive parts in dry van trailers with a day cab.

Pay and bonus potential

  • Route and detention pay.
  • Additional bonuses based on driving performance.
  • $1,600 limited-time sign-on bonus for experienced drivers.

  • Valid Class A Commercial Driver’s License (CDL).
  • Live within 30 miles of Lima, OH.
  • Minimum 3 months of Class A driving experience.

Additional benefits

  • Medical, dental and vision insurance.
  • Disability and life insurance.
  • 401(k) savings plan with company match.
  • Ten paid holidays and paid time off.
  • Company-wide time off during the weeks of July Fourth and Christmas.
  • Company-provided uniforms.
  • Operate well-maintained Volvo trucks.

A wholly owned subsidiary of Schneider, MLS is operated separately from Schneider with its own operating procedures, qualification requirements, training program, pay packages and benefits. If you have any questions about becoming an MLS driver, please contact an MLS recruiter at 800-636-3143.

Job MLS Driver
Schedule Full-time
Sign On Bonus 1600

See More

Driver Requirements

Experience Required6 months
Endorsements Required-
Licence RequiredClass A
Lease PurchaseNo

  • Medical
  • Dental
  • Vision
  • Retirement Plan

Class A Drivers home every weekend--Sign on
PWD Transportation, Inc
Cleveland, OH
$70,000 - $85,000
View Details
CDL A Truck Driver - Home Daily - Earn up to
Hogan Transports, Inc.
Galesburg, MI
$80,510 - $85,020 Per Week
View Details
PT Local drivers in Cleveland,OH. Great Pay
L.O.G. Transportation, Inc
Cleveland, OH
$900 - $1,000 Per Week
View Details
Separate Yourself Apart from the Rest of the
TTJ Recruiting
Cincinnati, OH
$1,200 - $1,800 Per Week
View Details
CDL A Local Dedicated Truck Driver for Fort Wayne,
J&R Schugel Trucking, Inc.
Fort Wayne, IN
$270 Per Day
View Details
CDL Class A Regional Truck Driver: 60 CPM + Pay Guarantee +
Paper Transport
Roseville, MI
View Details
CDL Truck Driver | Van Midwest Regional
Roehl Transport
Delaware, OH
View Details
Owner-Operator Tanker Truck
Columbus, OH
View Details
Entry Level CDL-A Truck Driver - Earn Top Pay
Western Express
Anderson, IN
View Details


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PepsiCo Beverages North America

Fountain Installer (MEM) - CDL A is required

1 day ago

PepsiCo Beverages North America

Denver, CO

Job Details

Trailer TypeOther
Employment TypeCompany Driver

$25.25 per hourCLICK HERE to view our MEM (Marketing Equipment Maintenance) Job Preview Video   Full-Time/Days $25.25 per hour    This position delivers and installs vending/fountain equipment as needed. Position uses lifting and equipment to load/unload and move large fountain machines/units at customer accounts. Prepares equipment for delivery and maintains all paperwork associated with equipment installation and removal. Installs fountain beverage systems from start to finish. May also assist with moving, storing, and organizing equipment in inventory at the facility.  This position requires lifting, pushing/pulling and moving vending/fountain machines that weigh approximately 800-1200 pounds several times over 10-12 hour period.    PRIMARY ACCOUNTABILITIES:
  • Unload and load new and used vendors or fountain for daily delivery
  • Install vendors and load/reload with products as necessary
  • Repair and perform preventative maintenance on vending/fountain equipment
  • Educate customers on basic equipment repair and upkeep procedures
  • Collect accurate and complete equipment information
  • Maintain parts, tools, and equipment
  • Follow DOT regulations
  • Complete required paperwork and maintain accurate customer/work order records for each delivery
  • Transport miscellaneous items such as compressors for repair/scrap, cardboard for recycle, etc.
  • Fill install and adjust to proper mix of product
  • Establish positive customer relationships
  • Regular, reliable, predictable attendance
Paid time off subject to eligibility, including paid parental leave, vacation, sick, and bereavement.
Other benefits, subject to elections, eligibility, and collective bargaining agreement terms: Medical, Dental, Vision, Disability, Health and Dependent Care Reimbursement Accounts, Employee Assistance Program (EAP), Insurance (Accident, Group Legal, Life), Defined Contribution Retirement Plan, and Defined Benefit Retirement Plan.
See More

Driver Requirements

Experience RequiredNone
Endorsements Required-
Licence RequiredClass A
Lease PurchaseNo

  • Medical
  • Dental
  • Vision
  • Retirement Plan


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Re: PFD Recomendations

Posted by RogerJ on Jun 14, 2004

Karl, yeah I guess the lack of shops would be a problem. The owner of the nearest Kayak shop recommended trying them on for fit. Preferably in YOUR kayak/canoe or boat. That's the only way to really know how it gonna feel while paddling. It is important that it fits properly, better (?) help with that at a boating/kayak store than big box. Although some may have someone into THE SPORT. If you have boating friends who will let you mess with the straps on thier PFD's you might get some idea what fits well. Take notes, don't lose the notes, bring the notes along when you shop. RogerJ

In Response to: Re: PFD Recomendations by Karl on Jun 13, 2004

No Replies.


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Cleveland Orchestra sees reasons for hope, lingering concern in positive 2020 annual report

Severance Hall

The Cleveland Orchestra's 2020 annual report includes news of a balanced budget and larger endowment but doesn't tell the full story of how the orchestra has been affected by the coronavirus pandemic.

CLEVELAND, Ohio – In a normal year, the annual report released Wednesday by the Cleveland Orchestra would be notable, welcome. In 2020, it’s remarkable.

Not only, according to the report, is the orchestra holding up under the greatest crisis it’s ever faced. In many areas, it’s doing quite well, better than in many years when there isn’t a global pandemic.

But that rosy picture doesn’t tell the full story. Like Ohio’s sometimes delayed coronavirus case updates, the orchestra’s 2020 annual report reflects only a portion of reality. It covers the fiscal year, not the calendar year. The effects of all that’s happened since June still remain to be seen.

“We have much to be grateful for, but we also have a lot of challenges ahead,” said Richard Smucker, chair of the Musical Arts Association, the orchestra’s governing body.

By traditional measures, fiscal 2020 was a great year. Despite losing much of the concert and touring seasons to virus cancellations, and along with them two significant sources of revenue, the orchestra emerged with a balanced budget and a larger endowment.

On a budget of $48 million supporting several months of live concerts and outreach as well as the earliest of its online pandemic offerings, the orchestra under music director Franz Welser-Most reported a surplus of $18,000.

But there’s a caveat here, too: this was on a reduced budget. To make ends meet in fiscal 2020, the orchestra trimmed about $5 million from the equation, through a combination of reduced concert and tour production expenses, staff pay-cuts and furloughs, and general belt-tightening. The orchestra also received a Paycheck Protection Program Loan.

Had it not been for any one of those elements, the orchestra “would be in real trouble,” said Andre Gremillet, the orchestra’s president and chief executive.

“There has been great shared sacrifice made by everyone at this institution,” he said. “That cannot be stressed enough.”

No less critical to the orchestra’s success in fiscal 2020 were its fundraising efforts.

Total annual fundraising remained similar to last year, earning over $16 million, and special fundraising brought in $3.75 million. Additionally, the orchestra saw $900,000 in “extraordinary” giving in response to the COVID-19 pandemic.

These figures, too, are only snapshots. Since June, the new Preservation Fund launched by the orchestra at the outset of the pandemic has netted $6 million, through a matching pledge from the group’s board of directors. Overall, some 4,500 people have given an average of $650 each, Smucker said. For many, it was their first gift to the orchestra.

Even the Cleveland Orchestra Chorus has pitched in. As a group, while unable to perform, the orchestra’s volunteer singing force raised $45,000.

“We’re in unknown territory, and there are a lot of people in need,” Smucker said. “But those who could, gave. Cleveland is a remarkable giving community, and people here want to see the Cleveland Orchestra prosper and survive.”

One bright spot without asterisks is the endowment fund. After cresting $200 million for the first time in fiscal 2019, the orchestra’s financial safety net in 2020 continued growing, to $208.8 million. That’s an increase of $3.1 million and another step toward the group’s long-term goal of $350 million, an amount Gremillet said would eliminate the need for special fundraising.

The situation wasn’t always so promising. Had the fiscal year ended in April rather than June, the endowment report in 2020 would be quite different, Gremillet said.

“When you consider how the market was [in the spring], I am very, very happy with the endowment,” he said.

Attendance figures are often highlights of orchestra annual reports. Not so in 2020. Instead of reporting attendance, the Cleveland Orchestra during this exceptional year gauged audience response by other measures including social media engagement and the impact of new digital or in-person, non-traditional offerings.

On those fronts, success has been unparalleled. During a year without touring, the orchestra’s social media pages reached over 26 million people worldwide, and over 17,000 people so far have listened to one or more episodes from its new podcast series, “On a Personal Note.”

Then there are the concerts. So far, individual musicians have made over 100 online or socially-distant appearances at sites including local hospitals. And while Adella and “In Focus,” the orchestra’s new on-demand streaming service and concert series, are still in their infancy, all reports are that they’re meeting or exceeding expectations, and could soon become vital sources of revenue.

“If we make it [through the pandemic],” Gremillet said, “we will emerge a stronger institution. That’s what I choose to look at.”

At the onset of the pandemic, the orchestra was in an unqualified good place. All the key metrics were headed in the right direction, Gremillet said, and momentum from the centennial was abundant.

Today, it’s a little different. The orchestra is still in a position of strength, and there are new sources of momentum, but the road ahead is also rockier than ever, and some predict patrons won’t feel comfortable gathering at Severance Hall and Blossom Music Center until next summer or fall.

“Thanks to our donors, we’re still doing okay, and to be okay this far into the pandemic is a huge win,” Gremillet said. “But things are also getting more difficult…Our survival is still at stake.”


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CLIC provides high quality consulting services and strategic advice to public, private and not-for-profit sectors. We work in some of the world’s most complex operating environments providing project management, direct consulting services, and strategic insight to major international donors, national governments, and international NGOs.

We specialize in the following:

Organizational design and development: We work directly with the core stakeholders to design diagnostic tools in order to determine the exact challenges and bottlenecks faced by individuals, teams and business units within the organization.  CLIC’s assessment tools address the socio-cultural, technical, economic and political contexts in which organizations operate, and provide decision makers with options and recommendations for long-term change.

Project Management: CLIC has extensive experience in managing small and mid-size projects. CLIC follows the project cycle management methodology (PCM) and applies Results-Based Management systems, which are rooted in current international best practices. We understand that key stakeholders must be actively engaged in meaningful consultation throughout the life cycle of a project and that consistent monitoring and evaluation as well as hands-on mentoring and training are crucial to ensuring successful long-term sustainable results.

Capacity Development: CLIC’s team of experts provide both theoretical knowledge and on-the-job training to help organizations and government institutions develop their internal processes through workshops, mentorship and coaching.

Analysis: CLIC provides clients with situational and regional analysis of the Middle East and the Africa. We have honed our understanding and insight through years of first hand interaction with local community groups, government departments and agencies and we continually strive to build new partnerships in the region.

Mentoring and training:  Within every project or programme which we support we work with our clients to ensure that project deliverables are transmitted through on the ground training to end-users. Our training curricula include results-based management, project lifecycle management, knowledge translation, strategic planning, business process road-mapping, anti-corruption, civil society management, leadership and supervisory skills development. Our training is hands-on, interactive and based on the latest adult training methodologies.


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Call us: 01332 865530    Email:

Candles In A Tin

Black Coffee Scented Candle, Espresso & Caramel

Black Coffee Scented Candle, Espresso & Caramel

£13.00 £10.83 (ex. VAT)
Stock Status: In Stock
PayPal Checkout
You will earn 13 points with this purchase

Black Coffee Scented Candle

This 'Double Espresso' scented candle is a must for any coffee lover. If you like the smell of freshly brewed coffee then this ‘Candle In A Tin’ is for you; a double espresso with a shot of caramel!

Coffee is a brewed drink with a distinct aroma and flavour, prepared from roasted coffee beans. Light this candle to fill your rooms with a very distinctive, comforting and inviting aroma – just perfect if you’re looking to sell your house (so the ‘experts’ claim).

This luxury coffee candle has a burn time of up to 40 hours and will fill your room up to 12-14 feet when lit.

This fragrance is also available as Soy Wax Melts.

Buy 3 Candles In A Tin and save over 10% with our bundle discount. Click here to choose your fragrances.

Prefer to mix and match from our collections? Buy and save when ordering any of our bundles. Click here to see our full range of offers.

  • Burn Time:
    40 hours (approx)
  • Size:
    200 ml
  • Fragrance Blend:
    Espresso & Caramel
  • Brand:
    Clive's Candles
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Customer reviews

(19 Customer reviews)
Write a review

Showing 1 to 5 (19).

Excellent Fragrance

This is a wonderful candle. I use mine mainly in the kitchen as the coffee and caramel fragrance suits the space. The fragrance lasts until the candle is completely finished which not all candles do. A great buy!

Christine | Northumberland | September 2021

Amazing coffee scented candle

This candle has an amazing coffee scent. Highly recommended.

Nigel Wilkinson | Bracknell | September 2021

Smells Amazing!

Love the smell in this candle! The scent is really strong, which I love! with other candles Iâ€™ve tried the scent didnâ€™t really fill the room but this candle made my whole room smell of coffee within 20 mins! Amazing!

Garri | Cardiff | September 2021

Beautiful scent

So happy to find a good coffee scented candle...they're hard to come by! Already have bought a second for MOther's Day - really impressed with the quality and scent

Lauren H | Nottingham | March 2021

Best candles ever !

I have been looking for a coffee candle for ages , I now have found it !! This is amazing my house smells all over of coffee ! Please don’t ever stop making this one .

Lorraine | London | March 2021

Showing 1 to 5 (19). Page 1 of 4.


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Call us: 01332 865530    Email:

Room & Linen Sprays

Clean Cotton Room & Linen Spray

Clean Cotton Room & Linen Spray

£21.00 £17.50 (ex. VAT)
Stock Status: In Stock
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You will earn 21 points with this purchase

Clean Cotton Room & Linen Spray

Revive your room in an instant with the delightfully crisp and fresh fragrance of clean cotton.

Whether you are freshening up the guest room, giving a scent boost to your laundry or covering unwanted smells, this refreshing room and linen spray is a perfect way to fill your room with your favourite fragrance.

Beautifully presented in a reusable glass bottle, our room and linen spray uses the same high quality, hand blended fragrance as our signature candles.

  • Fragrance Blend:
    Clean Cotton
  • Size:
    100 ml
  • Brand:
    Clive's Candles
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Candles In A Tin

Coastal Retreat Scented Candle, Sea Salt & Wood Sage

Coastal Retreat Scented Candle, Sea Salt & Wood Sage

£13.00 £10.83 (ex. VAT)
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Coastal Retreat Scented Candle

Lose yourself in this warm & sophisticated fragrance where wood sage and grapefruit are expertly intertwined with bergamot and tangerine.

Freshened by hints of seaweed and balanced by a base of musk, amber & cedarwood, all you need to do is close your eyes and let this candle take you away to your favourite seaside location.

This beautifully fragranced candle has an approximate burn time of 40 hours and a scent throw to delicately delight an average sized room.

This fragrance is also available as Soy Wax Melts.

Buy 3 Candles In A Tin and save over 10% with our bundle discount. Click here to choose your fragrances.

Prefer to mix and match from our collections? Buy and save when ordering any of our bundles. Click here to see our full range of offers.

  • Burn Time:
    40 hours (approx)
  • Size:
    200 ml
  • Fragrance Blend:
    Sea Salt & Wood Sage
  • Brand:
    Clive's Candles
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This candle smells so fresh but warm at the same time. Definitely reminds me of sitting near the beach. It's got a lovely blue/purple colour, all the candles are handmade so absolutely worth every penny!

Georgina | Ashby | April 2021


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Category: Arts & Entertainment

What Do You Know About

Get a Tidy House For Much Less Than the Expense of Working With a Cleaning Service

Hiring specialist cleaning company can change the physical appearance of your home or organization. These specialists utilize the appropriate tools as well as tools to clean up all areas of a home, from top to bottom. They will certainly leave your office or home gleaming as well as welcoming. And also, they have the moment to clean one of the most difficult to reach areas. Despite your requirements, working with specialist cleaning services will leave your location looking clean and also pristine every time. If you would love to get a clean house for much less than the expense of working with a cleaning firm, contact them today. A professional cleaning service will certainly work with highly-trained staff to do the job. They are likewise knowledgeable about what to keep an eye out for when examining different companies. The number of workers should match your requirements. If they have no experience in a particular location, you ought to not choose them. Inspect evaluations and make certain that they’re not disrespectful. If they’re not, you’re far better off preventing them. Rather, work with a company that has experienced staff members. While selecting the appropriate cleaning company is essential for your business’s total wellness and also health, some variables establish whether a company is worth employing. If a company has several team member that are untrained or rude, it’s finest to stay clear of using them. You can also avoid choosing a firm with a history of payment errors. If you have actually sought advice from previous customers, you can request for a complimentary price quote as well as contrast prices. Moreover, some business provide a set price for their services and also calculate quotes based upon your demands. The high quality of a cleaning company is a vital element. An expert business will certainly do a detailed work every single time, so you can be ensured of getting the best high quality of work every single time. They will certainly tailor a routine for you based upon your requirements. They should be flexible enough to mobilise teams if additional job needs to be done. This will make certain that you obtain the highest possible worth for your cash. You’ll be able to save cash by employing a specialist company. The expense of employing a specialist cleaning company is a financial investment. These business hire highly trained staff to deal with the task. They will be able to clean your residence or organization to excellence. As well as they will certainly have the ability to collaborate with your schedule, making the entire process as seamless as feasible. Nevertheless, you may need a specialized cleaning company for your residence or service. If you don’t have the time to do this, you can think about hiring a professional cleansing business. The price of working with a professional cleaning service is a major consider selecting a cleansing firm. It is essential to choose a company that offers a wide variety of packages. It is additionally essential to select a company that can tailor their solutions to your needs. Some business concentrate on particular areas, while others concentrate on particular areas. You’ll need to make certain that you’ll find one that’s right for your company.

The 10 Best Resources For

Finding Ways To Keep Up With

The Essential Laws of Explained

Just how to Become a Real Estate Evaluator

The task of a property appraiser is a difficult one, and also not every prospect is suitable it. There are lots of elements of a residential or commercial property that an appraiser requires to take into consideration, such as sound levels and distance to sources of repeating loud sounds. The view that a residential property deals will additionally be taken into consideration, as will the basic condition of the building. Taking a job test can aid you figure out if this area is the ideal fit for you. Some realty appraisers work under a broker or independently. They are very learnt residential property and also are specialized in evaluating them. They form precise financial models for the housing market by examining the worth of residences. A multitude of property appraisers are used by state government agencies and also other intermediary entities. On top of that, a multitude of property appraisers are responsible for keeping a document of all residential or commercial properties and are essential in the assessment procedure for real estate tax decisions. There are several various instructional needs for becoming a real estate appraiser. Generally, it requires a bachelor’s level in a relevant field. Business economics, computer science, company, as well as English are among the courses advised. Some states additionally require an entry-level state permit, which can vary depending upon whether you intend to deal with residential or commercial residential properties. Nevertheless, no matter your instructional background, a degree will certainly provide you an edge over various other candidates. While the education and learning and experience of a property evaluator will certainly identify their success, a large amount of the work includes a specialist permit. A lot of appraisers have to have a bachelor’s degree, and coursework may include economics, computer technology, English, as well as organization regulation. To end up being a property appraiser, a lot of states require candidates to have an entry-level state permit, which might vary relying on the types of domestic as well as business residential properties that they will certainly be working with. A bachelor’s degree in service or economics is normally called for in order to be a real estate appraiser. Throughout college, you will study property regulation, business economics, as well as finance. You will certainly also learn about the various kinds of real estate as well as other elements of the economy. The role of a real estate evaluator is a satisfying one that can be very lucrative and also enjoyable. A grad’s level will certainly enable him or her to operate in various fields. A property evaluator may benefit a bank or other banks. This sort of placement may be ideal fit for an individual with a bachelor’s degree in business or a comparable field. As an example, a person with a master’s degree in audit or service can become a real estate evaluator in simply two years. A career as a realty appraiser will need a significant financial investment of time and cash.

The Best Advice About I’ve Ever Written

Tips for The Average Joe

The Beginner’s Guide to

commercial and industrial cleaning service providers.
Some people find it difficult to find commercial and industrial cleaning services. A thorough market investigation is required to choose the best commercial and industrial cleaning service provider among the thousands of these providers. There are a plethora of commercial and industrial cleaning shops to choose from, so it’s imperative that you do your research before selecting one. The best and most trusted commercial and industrial cleaning service providers can still be evaluated, but it isn’t easy. Accumulating relevant data to aid in your search for the best commercial and industrial cleaning service provider is obviously necessary. You can use a variety of methods to determine whether or not a particular commeciarl and industrial cleaing service provider can meet your needs. This article will go over some of these tips in greater detail for finding the best commercial and industrial cleaning shop in your neighborhood.
To begin with, you must establish expectations for the level of service you are willing to accept. This will assist you in determining which commercial and industrial cleaning service providers you should include in your list of potential service providers. When determining whether a commercial and industrial cleaning service provider is qualified for this type of service, quality service should always be a primary consideration. Because of this, make sure you spend enough time researching these companies before making a final decision. Miscalculations during this process could cost you a lot of money that you may not be able to recoup later. As a result, while establishing your standards, make certain that your research is thorough.

The reputation of a reputable commercial and industrial cleaning shop is essential. If you’re in the market for a commercial or industrial cleaning shop, make sure to keep this in mind. Make sure you get customers or clients who have previously used this company’s services. There are many ways to obtain this information, such as from friends, previous clients, or review websites. Also, reputable commercial and industrial cleaning shops should be covered by insurance in the event of an accident. As a result, reputable commercial and industrial cleaning shops that carry liability insurance should be given preference.

Many times, we have a predetermined spending limit in mind. As a result, you should only go with commercial and industrial cleaning services that you can afford. As a result, only include commercial and industrial cleaning service providers with the appropriate budget on your list. This will make it easier for you to quickly scan and choose from a variety of high-quality, low-cost options. Costs for commercial and industrial cleaning can be found on the provider’s site or even from online reviewers.

It’s also a good idea to find out how satisfied previous customers are with these commercial and industrial cleaning shops. These online review platforms are used by the majority of customers. On these sites, you can learn a lot about a particular commercial and industrial cleaning shop.

When it comes to commercial and industrial cleaning, always go with a legitimate service provider. You can verify the legitimacy of a commercial and industrial cleaning service provider by checking their license to operate in that industry. When providing such vital services, an operating license is an absolute necessity. Services can only be provided by those who have the proper paperwork in place. In addition, you should look into how long the commercial and industrial cleaning service has been in business; experience and expertise are important considerations when it comes to the quality of these services. Only a reputable and experienced commercial or industrial cleaning shop should be entrusted with your vehicle.

3 Tips from Someone With Experience

A Simple Plan:


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Market Insider

Stocks making the biggest moves in the premarket: GenMark Diagnostics, AMC Entertainment, Eli Lilly & more

Wall Street points to higher open following last week's rally

Take a look at some of the biggest movers in the premarket:

GenMark Diagnostics (GNMK) – GenMark will be bought by Swiss drugmaker Roche for $1.8 billion in cash, or $24.05 per share. Shares of the U.S.-based molecular diagnostic test maker had closed at $18.50 per share on Friday. GenMark surged 29.2% in premarket action.

NXP Semiconductors (NXPI), Penn National Gaming (PENN), Generac (GNRC), Caesars Entertainment (CZR) – The stocks will join the S&P 500 as part of the index's quarterly rebalancing. NXP jumped 8.1% in premarket trading, with Penn up 5.8%, Generac gaining 3.6% and Caesars climbing 4.8%.

Carnival (CCL) – Carnival CEO Arnold Donald told the Financial Times he sees at least two more tough years for the cruise industry. Donald said the cruise line operator's full fleet might be sailing by the end of the year but that it will take at least until 2023 for revenue to return to pre-Covid levels. Carnival rose 1.2% in the premarket.

AMC Entertainment (AMC) – AMC will begin reopening movie theaters in Los Angeles, starting with two locations today. It plans to open the remaining 23 theaters in Los Angeles on Friday, and hopes to have all 56 California locations open by then depending on local approvals. AMC jumped 8.7% in premarket trade.

Shaw Communications (SJR) – The Canadian communications company agreed to be bought by rival Rogers Communications for C$26B including debt ($20.9B in US Dollars). Shaw's U.S. shares surged 53% in the premarket.

Ford Motor (F) – Ford will recall 2.9 million vehicles to check for potentially faulty driver-side Takata airbags. The National Highway Traffic Safety Administration had called on Ford to do so in January, and the automaker plans to begin notifying owners on April 1.

Gilead Sciences (GILD), Merck (MRK) – The drugmakers will study a combination of their experimental drugs to treat HIV. Gilead and Merck will look at the effectiveness of the drug cocktail even when taken only every few months.

Eli Lilly (LLY) – Eli Lilly said its experimental treatment for Alzheimer's modestly slowed decline in patients over an 18-month period in a mid-stage study. Lilly has already begun a second study of the treatment. Lilly fell 5.3% in the premarket.

Lordstown Motors (RIDE) – Lordstown said it will issue a "full and thorough" statement in the coming days that the electric truck maker said would refute a critical report by short-seller Hindenburg Research. Lordstown has said the report contains "half-truths and lies." Its shares rose 5.9% in premarket trading.

XPeng (XPEV) – XPeng got a $76.8 million investment from the provincial government in Guangdong, where the Chinese electric vehicle maker is based and has two manufacturing plants. XPeng added 4.2% in premarket action.

Dollar General (DG) – The discount retailer was upgraded to "overweight" from "neutral" at Atlantic Equities, which cited valuation as well as a positive impact from stimulus check spending and continued market share gain.

AstraZeneca (AZN) – Ireland became the latest country to suspend the use of AstraZeneca's Covid-19 vaccine, following reports out of Norway regarding blood clots in some patients. Officials said they took the action "out of an abundance of caution," although AstraZeneca said its review of more than 17 million people showed no increased risk of blood clots.

United Airlines (UAL), American Airlines (AAL), Delta Air Lines (DAL), Southwest Airlines (LUV) – Airline stocks are gaining ground after the Transportation Safety Administration said airport screening levels are now at one-year highs. Separately, Southwest said passenger demand is continuing to improve this month. United was up 3% in the premarket, American gained 4.3%, Delta rose 2% and Southwest edged up 1.3%.

DraftKings (DKNG) – The sports betting company announced a proposed offering of $1 billion in convertible notes due in 2028. DraftKings fell 3.5% in premarket trade.


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Hummingbird bot could track crooks, explore Mars

Researchers at Japan's Chiba University have unveiled an MAV modeled on a hummingbird. Designed for rescue, it flaps its wings 30 times per second.

Researchers at Japan's Chiba University are developing a hummingbird-style flying robot that could be used to find people trapped in collapsed buildings, search for criminals, or even explore other planets.

Engineering professor Hiroshi Liu said the micro air vehicle, or MAV, is equipped with a mini motor that allows it to flap its wings up to 30 times per second--roughly in the same range as a hummingbird.

hummingbird robot
Chiba University

The remote-controlled ornithopter is nearly 4 inches long and weighs about 0.09 ounces. Its rechargeable battery allows for six minutes of flying time, according to the Yomiuri Shimbun newspaper.

It has four polyethylene wings and apparently can be more stable in figure-eight flight than a helicopter, though Liu has yet to make it hover in mid-air.

In earthquake-prone Japan, finding victims in destroyed buildings could be one application of the ornithopter. Liu said it could also be used to track criminals or explore Mars from the air.

Other MAVs in development already have indoor navigation, outdoor navigation, and features that mimic nature. Liu's robot, though, is one of the smallest and most lightweight in its class. He plans to equip it with a tiny camera in the next few months.

It would then be in competition with the DelFly Micro, a similar-sized ornithopter from Delft University of Technology that already carries a camera. The Dutch machine is slightly heavier at 0.1 ounces and can only fly for three minutes. Check out a video of it here.

The Chiba University project cost has already topped $2 million. Liu has drawn inspiration from nature in the design and optimization of MAV wings, running biomechanical simulation models on a supercomputer to find the best wing shape.

(Via Physorg and Agence France-Presse)


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Council Member Salamanca Stands With Homeless Advocates and Introduces New Bill Demanding More Housing for the Homeless

NEW YORK – At today’s City Council Stated Meeting, Council Member Salamanca will introduce a new bill that would require developers who receive city financial assistance for rental housing development projects to set aside no less than 15% of created or preserved dwelling units for homeless individuals and families. This morning, he was joined by Council Members Levin, Gibson and Williams, Coalition for the Homeless Policy Director Giselle Routhier, VOCAL-NY Community Leader Nathylin Flowers Adesegun, WIN CEO Christine Quinn, Acacia Network CEO Raul Russi, Housing Works Vice President of Community Mobilization Jaron Benjamin, and others, rallying support for more housing for the homeless.

Our City is at a critical juncture.Since 2014, the number of homeless people in NYC shelters has stagnated around the 60,000+ figure. It is clear that we need legislation that could actually be effective citywide and I believe that mandating a 15% set aside has the potential to drastically alter the grim reality for so many. We have the opportunity to change the course for homeless New Yorkers and those on the brink of homelessness and we need to act now,” said Council Member Rafael Salamanca Jr. “I thank the Speaker and Council Member Levin for their support and the incredible work and advocacy of organizations like Coalition for the Homeless, VOCAL-NY, WIN, Acacia, Housing Works and others, who have been persistent in their fight.”

“Homelessness is one of the biggest issues we are grappling with as a city, and we need an all hands on deck approach towards solving it. Developers who receive taxpayer funds must be part of the solution, which is why I support increasing the number of units they are required to build for homeless New Yorkers,” said Speaker Corey Johnson.

“If we truly want to help homeless New Yorkers and put them on the path to permanency, we must prioritize it in the city’s housing plan and increase the affordable housing set-aside,” said Council Member Stephen Levin, Chair of the General Welfare Committee. “This is one of the most effective commitments we can make as a city to begin to end the homelessness crisis right now and as council members we have the power to lead on securing housing for underserved New Yorkers. It’s simple — let’s rely less on shelters and more on providing housing to those without homes. I applaud Council Member Salamanca for his continued advocacy to house our most vulnerable and I look forward to working with him to move this legislation forward.”

“Almost a month ago, I confronted Mayor de Blasio at the Park Slope YMCA to demand housing for homeless New Yorkers. Last week, I joined hundreds of people as we marched to Gracie Mansion. Our campaign has touched New Yorkers across the city, but it’s time for this fight to be over. It’s simple: the Mayor’s housing plan should help the people of New York who need the most help. If the Mayor refuses to do what’s right, then other leaders will fight for us,” said Nathylin Flowers Adesegun, community leader at VOCAL-NY. “I’m so grateful that Council Member Salamanca is sticking up for me and the 62,000 others living in shelters. I know that with his support and the support of Speaker Johnson and Council Member Levin, steps will finally be made to end this historic homeless crisis. This is a fight we need to win.”

“Council Member Salamanca’s legislation would provide a critical tool to help meet the desperate need for homeless housing in New York City, and go a long way toward realizing the House our Future NY Campaign’s goal of setting aside 30,000 units of the Mayor’s housing plan for homeless New Yorkers, including 24,000 units to be created through new construction. Mayor de Blasio’s stubborn opposition to doing more for the homeless flies in the face of his professed progressive values, at a time when we are losing more of the city’s most affordable units than we are building. We thank Council Member Salamanca, Council Member Levin, Speaker Johnson, and the entire Council for their strong advocacy on behalf of homeless New Yorkers,” said Giselle Routhier, Policy Director at the Coalition for the Homeless.

“The skyrocketing cost of living in New York City has forced thousands of New York’s lowest-income families out of their homes and into the shelter system,” said Christine C. Quinn, President and CEO of Win, the largest provider of shelter and support services to women and families in New York City. “I’m proud to stand with Council Member Salamanca today on behalf of mothers and children in shelter seeking permanent, affordable housing – many of whom are employed but whose low-wage jobs leave them unable to afford the steep cost of rent in New York City. There is more work to be done until every homeless family leaves the shelter and stays out, but this legislation will provide a critical lifeline to families struggling to break the cycle of homelessness.”

“As New York City’s largest homeless provider, serving approximately 4,500 families and individuals experiencing homelessness, Acacia Network is at the forefront in the fight against homelessness. One of the main reasons for homelessness is lack of affordable housing. As a provider and developer of affordable and supportive housing, Acacia’s knows both sides of the equation. While New York City’s upper market development thrives, we need the same broad based commitment to building more affordable housing for lower and middle-income individuals and families. We applaud the commitment to set-aside dwelling units for homeless individuals and families as we all work to address the needs of our city’s most vulnerable residents,” said Acacia Network CEO Raul Russi.

“Our NYC housing crisis is the worst it has been since the Great Depression, and no one has been hit by it harder than low-income New Yorkers,” said Charles King, CEO of Housing Works, one of New York’s largest AIDS-service organizations. “Given this dire, ongoing state of emergency, it’s essential that all housing plans—from the Mayor’s 300,000-unit Housing NY 2.0 plan to this legislation from the City Council—not only reflect developers’ desire to rake in a tidy profit, but also address this chasm of unmet housing needs of ordinary citizens. Our housing plans must reserve a substantial number of viable living spaces for the most vulnerable, working poor among us, and they need to be genuinely affordable. From that stable foundation, all of life’s other critical needs can begin to get addressed. That’s what we mean at Housing Works when we say housing is health care.”


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Flor Croco

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  • Description
    Vertical smartphone holder perfect for safely storing your phone. With its adjustable and detachable shoulder strap and internal card holder, it is ideal for those who are always on the move. The model is complemented by a zip fastening and a double zip puller. This model is made of crocodile-print leather which is first sanded to make it softer and then vacuum-sealed to recompact the fibres and finally embossed to obtain the crocodile effect. The buffing is done by hand to create the light-shade effect of the scale.
    Crocodile embossed leather
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  • Product Information

    • For carrying across the body
    • Crocodile embossed leather
    • Zip closure
    • Double zip puller
    • Shoulder strap detachable and adjustable with buckle
    • Internal card holder
    • Fabric interior
    • Metallic logo lettering
    • Gold plating
    • Dimensions: 10x18x2 cm - 300 g
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Advantages of Playing Slot Online

Slot Online

The slot machine is a popular type of game that can be played on desktops, mobile devices, and even a tablet computer. It can be played anytime you have some free time, and many of the popular online casinos offer dozens of different types of slots. However, a few things need to be taken into consideration before you decide to play. First of all, you need to have some cash to play with – preferably a large amount.

When it comes to playing slots online, the selection of games available is countless. A PGslot website is a great place to start because it doesn’t require downloads or installations. You can simply log in with your member id and password. The registration process is easy and you can create an account within minutes. Pgslot also offers free membership, which you may want to take advantage of. This will save you a lot of time and money.

There are several myths about slot machines and their payouts, but these can be easily dispelled. For instance, there are slots that have been designed to pay out lower payouts, but these are usually those geared towards tourists. Veteran gamers can usually spot these slots and avoid them altogether. These myths should be dispelled. If you’re looking for a safe gambling game, the best place to start is at a low denomination.

Another popular feature of online slots is that they offer better payout ratios than their physical counterparts. Physical slot machines pay out about 85 percent of the time, while online slots pay out up to 96 percent of the time. Moreover, many top online slots offer a “doubling” feature, in which you’ll need to choose a card from four that matches the value of the other three cards. However, the more bonus rounds you win, the better!

Another benefit of playing slot online is the variety of games available. There are various pay lines and features, with the latest games offering five or six pay lines. Additionally, online slot games are easier to create than those offered at conventional casinos, so creating your own can be a breeze. As with any type of online gambling, bonus features and rewards are available to encourage and reward gamers. If you’re a newbie, it’s important to know what you’re doing to maximize your chances of winning.

Another advantage of playing slot online for real money is the fact that you don’t need any kind of software or apps to enjoy the game. Then, you can play with friends, and win big prizes. It’s a win-win situation for you and for them! Just don’t spend more than you’re willing to spend to enjoy yourself! All the best! If you’re ready to try it out, sign up for the PG slots website!

When it comes to bonuses, most online casinos offer free spins and extra cash to players. This is great for people who want to play slots online, but don’t have time to visit a physical casino. Fortunately, you can access casino slots wherever you go through a mobile device. You can even double your winnings by taking advantage of a slot bonus. And if you’re looking for a bonus for your first deposit, a good online casino will be able to help you out.