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InnerLight Counseling

~Supporting you to heal and transform your life.

Fees and Insurance

Payment options and session fees are usually agreed upon prior to your first session.  We will discuss using insurance, private pay options and how the billing process works so you will know just what to expect your sessions will cost.

Payment of copays, deductible costs and out of pocket fees for each session are due at the end of each session.  You may pay with cash, check or card.

Free Initial Consultation

I offer a free half hour initial consultation as an opportunity for us to meet in person or talk over the phone to determine if we are a good match for the support you are looking for.  One of the most important aspects of therapy is that you feel comfortable with me as your therapist or coach as you discuss issues that can be deeply personal.  It is also important for me to know what issues you want to work on to be sure I have the knowledge and expertise in these areas to be most helpful to you.  At the end of the consultation, if we both agree we want to move forward, we will schedule our first appointment.  If either of us feels the fit is not quite right, I am happy to discuss other possible referrals that could better serve you.  My foremost goal is that you get the best support possible, be that with me or a trusted colleague.

Private Pay and Sliding Scale

My standard private pay fee for individual therapy and life coaching is $125 per 55 minute session.  I also offer half hour coaching sessions for $60.

For those in financial difficulties, I do have a limited number of sliding scale spaces that allow me to adjust my fee somewhat.  Please let me know if you are interested in a sliding scale option and I can let you know availability.

Using Insurance

I do accept Regence and Blue Cross/Blue Shield insurance plans for individual therapy services.  Unfortunately, most insurance plans do not cover coaching services.

For other insurance providers not listed here, you may have out-of-network benefits that can help defray the cost of therapy even if I am not a direct provider for your plan.

Whether you would like to use one of the insurance plans listed above or your out-of-network benefits with other providers, I strongly encourage you to call your insurance provider prior to beginning sessions to best understand what insurance will cover and what your responsibilities are.  I am also happy to call your insurance provider for you to confirm your coverage and benefits for behavioral health treatment.

Once sessions begin, I will complete the monthly billing forms required by insurance providers and payments will be sent directly to me so you do not have to manage the on-going use of your benefits unless unusual circumstances arise.  When using your insurance benefits, it is always useful to understand what information your provider will need from me and how this impacts confidentiality and your health records.  Please feel free to discuss these issues more with me as we begin working together.

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Phone scam offering a free stay in Marriott 5 star hotel

Discussion created by dardarjg on Jan 9, 2015
Latest reply on Jun 25, 2015 by gattom

Just wanted to mention that I just hung up the phone in which I received an automated voice message saying "Congratulations, your phone number has been randomly selected as the winner of a free 1-night stay at a 5 star Marriott Hotel.  For details, press "1" now."

I had only just been reading about these phone scams 5 minutes ago and that anyone who presses 1 is basically giving their phone number away to these scammers who can place long distance calls and also perpetuate the scam by using YOUR number to call other people.

Needless to say I simply hung up... This is the 2nd time this week I have received a call from scammers.. the other one was from "Winners International" in which I (supposedly) won 3 million dollars and a Mercedes Benz... This particular one happened to be a live human being on the phone so while he was yammering on in my ear I looked up Winners International online to see it was a scam and proceeded to then tell the guy on the phone exactly what I was reading online...  and "how much was he expecting me to send him using Western Union to claim my prize??"  Funny thing... he hung up on me...

Scam , scam, scam... best to follow the old rule "if it sounds too good to be true,then it probably is".

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FoodBusiness360: Big grocery chains can do a lot to reduce food waste

Three business and management scholars writing in the Harvard Business Review suggest several ways large food retailers – Kroger, Sainsbury’s, Tesco, Carrefour, Walmart, etc. – can help reduce food waste in their supply chain, stores, and communities. The four-pronged strategy includes the following suggestions: upgrade inventory systems with the latest technology; partner with farms, where seven percent of U.S. produce is left unharvested; modify or eliminate traditional store practices that increase waste, e.g., focusing too heavily on the cosmetics of produce; and team up with consumers, only three percent of whom attach a social stigma to throwing away food.

FoodBusiness360 reports on a recent article by Cambridge Judge Business School’s Yasemin Kor, Mark Esposito and Jaideep Prabhu.

Read the full article []


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A Bethlehem Christmas (Radio Theatre Production)

From: £5.00

SKU: BCHAS Categories: , , , Tag:

Are your holidays so hectic that the Christmas story has become too familiar to you? This holiday season, Insight for Living has developed Charles R. Swindoll’s book A Bethlehem Christmas: Celebrating the Joyful Season into a captivating radio theatre production. This moving presentation is fully dramatised in an audio format that includes riveting performances, vivid sound effects, and a magnificent musical score.

As you and your family sit together to listen, you’ll be transported back in time. You will gain a fresh understanding of the confusion, the fear, and ultimately, the faith of the men and women whom God chose to involve in the miraculous incarnation of Jesus. Experience the joy of this historic moment as if you were actually hearing the announcement of Christ’s birth with your very own ears. You’ll never again take the Christmas story for granted!

Product Code: BCHMP3 / BCHCD

Copyright © 2008, ℗ 2008 by Charles R. Swindoll, Inc. All rights reserved worldwide. An Insight for Living production adapted from Charles R. Swindoll’s book, A Bethlehem Christmas (Nashville: Thomas Nelson, Inc., 2007). Copyright © 2008 by Charles R. Swindoll, Inc. All rights reserved worldwide. Used by permission of Charles R. Swindoll, Inc. – Written and directed by David B. Carl – Sound design by Eric Baesel – Musical score by Tim Hosman Studio: Maximedia Studios, Dallas, Texas – Cover designer: Kari Pratt – Cover image: Scala/Art Resource, NY – Back cover photo by David Edmonson – Album cover: Copyright © 2008 by Insight for Living – Copyrights exist on all recordings issued by Insight for Living. Any unauthorised broadcasting, public performance, copying, or re-recording of such recordings in any manner whatsoever, will constitute an infringement of such copyrights – Printed in the United States of America. This Insight for Living Ministries production is for your personal use only. Civil and criminal copyright infringement occurs when this production is uploaded to the Internet, publicly performed, copied, or placed on any information storage and retrieval system now known or yet to be invented, without prior written permission from Insight for Living Ministries.

You may also like…


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Future of Enterprise Resource Planning: Two-Tier ERP

Future of Enterprise Resource Planning: Two-Tier ERP

Organizations that adopt two-tier ERP system are better positioned to operate unstable business conditions and acquire operations that generate system efficiency and growth. So what is ERP system? Organizations use two-tier ERP to run two integrated ERP systems simultaneously, use one system, namely the legacy application, also known as single-tier ERP system which is typically set up at a corporate level and other at the subsidiary level. Two-tier ERP system is often used at large corporations with multiple sites.

While we know that two-tier ERP system is the future and can seem like a second-class solution, but it's often the best available choice, here are some of the benefits that support its need.

  • Two-tier ERP enables an organization to enhance back office processes at a site that operates under a specific business model which is separate from the main company.
  • In order to reduce the cost of quality, tighten project schedules followed by reduced budget, single-tier ERP systems with expandable two-tier ERP system emerge strong.
  • A two-tier ERP infrastructure allows an enterprise with existing tier-one ERP system to take more control of their performance with the easy configuration of two-tier system.

When we talk about ERP, NetSuite ERP is a proven comprehensive system that changes business complexities. NetSuite ERP goes beyond traditional accounting software's, streamlining operations across entire organization and providing a real-time visibility to make better and faster decisions. NetSuite also well supports instant on-demand access to subsidiary and its divisional financials. Similarly, when it comes to computing, home is where cloud is. So, how do organizations take the advantages and benefits that cloud has to offer? The answer is known as a two-tier ERP approach. No matter how big or small your business is, the reality is that it keeps on changing. When a business enters new market, launches new products and enters a joint venture, these changes are enough to adopt cloud based ERP strategy and being in sync with the core ERP system. Cloud based ERP system gives customers a benefit by providing application potentiality and reduces hardware costs considerably. In addition, customers can also build an internal cloud to reduce ongoing hardware costing while still maintaining control over integration and acquiring access to their data server.

So in totality, is two-tier ERP strategy best for both worlds? We need to get clear on this that two-tier ERP doesn't mean less visibility- it means more. The maturation of cloud computing solutions finally provides for a practical, effective two-tier strategy, which means that the original vision for ERP of transparency and standardization across the enterprise can, at last, be realized. While the NetSuite cloud does provide instant access to its subsidiary and divisional financials, when it comes to technological adaptability across local and global performance requirements, it could just be.

Sunday, January 19, 2014

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NEW ADDRESS Starting January 27, 2020

Arizona Department of Insurance

100 North 15th Avenue, Suite 261

Phoenix, AZ  85007-2630

Citizens, license applicants, process servers:

  • We will continue to provide assistance from Suite 102 through Friday, January 24, 2020.
  • We will be up and running in Suite 261 starting Monday, January 27, 2020.

    Send mail to our new suite number effective immediately (before January 27, 2020).

    Please make sure to update our address in your contact lists and information systems.

    Enforcement Actions

    Administrative Orders are issued against licensees of the Arizona Department of Insurance (such as insurance companies and insurance producers) for violations of Arizona insurance laws and regulations.

    Administrative Orders Reports provide a summary of administrative orders issued by the Department.

    Market Conduct Examination Reports describe the Department's examination/audit findings as they relate to insurance company compliance with Arizona laws as they relate to insurer marketing, underwriting and claims administration practices.

    Enforcement Activity reports on this page require Adobe Acrobat to view. You may obtain the latest version of Adobe Acrobat for free by following this link: [Get Acrobat]

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Project Deep Dive: Fiddlers Green I & II

Jul 16, 2018 | Case Studies

When reviewing their portfolio, it was clear to the John Madden Company’s executive team it was time to address the aging mechanical systems on their Fiddlers Green I & II properties. At almost 20 years of age, the systems were no longer on par with the rest of these twin (200,000+ sf each) Class A office buildings located in the Denver Tech Center. The iconic buildings are well known and encircle Denver’s Fiddler’s Green Amphitheater.

Want another perspective?

One of Denver’s premier development companies, The John Madden Company was responsible for developing a huge swath of the Denver Tech Center and today are owners of many premier commercial properties in the Denver market. Always looking for ways to include innovation, CEO Blair Madden connected with Integro to discuss creative ways to accomplish their goals of not only upgrading their properties, but also making them more energy efficient and creating a smaller carbon footprint in the process. Integro is a commercial real estate consultancy group that specializes in C-PACE financing. C-PACE is an exciting new financial tool in the Commercial Real Estate space that incentivizes CRE owners to make capital improvements that improve energy efficiency, reduce resource consumption (H2O), or add renewable energy (solar, wind, etc).

Working together, the teams from John Madden Company and Integro were able to identify critical upgrades to the buildings that fit within the C-PACE program. Integro was able to show how to leverage the savings created by becoming more energy efficient, converting those same dollars into what services the C-PACE financing. In effect making the capital improvements pay for themselves. Between the two buildings, over $7,000,000 in C-PACE financing was used to upgrade a broad array of capital improvements: Rooftop units, Building Controls (BAS), Lighting, Active Energy Management, LEED Certification, Evaporative Coolers, Advanced metering and even some H2O Measures were all wrapped into the deal. One of the key benefits of the C-PACE program is that it allowed the $385,000 in annual energy savings (or 30%) to be reallocated away from the utility provider, and instead used to service the financing that pays for all the capital improvements. The Madden Company, with Integro’s guidance, was able to overhaul their critical infrastructure without using any of their capital and using the money theywill save on annual energy bills to service the financing. This approach also allowed them to optimize their NOI. Because the C-PACE financing is repaid as a voluntary special assessment on the property tax bill, it is 100%, up to 20-year, non-recourse financing. The property is the borrower and therefore the obligation for repayment transfers with ownership.

Two of the largest tenants of these soon to be overhauled Class A properties include Charter Communications and Fidelity investments. Both tenants were pleased to be in a building that will be much more energy efficient and soon LEED certified, as this aligns with their corporate
sustainability charters.

Blair Madden, the CEO of John Madden Company, and the Integro team were beyond pleased with the outcome, and look forward to the project completion later in ’18, as these properties will now have the energy efficiency standards that match their top tier aesthetics and location.


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ISTANBUL BLOG: Funny my arse

ISTANBUL BLOG: Funny my arse
NO bird should have to tolerate this.
By Akin Nazli in Belgrade November 30, 2019

Donald Trump? Funny my arse. But the guy’s doing his best goddammit and Turkey got a look-in this week gone by when world chief honcho connected the barbs he gets over his big pal let-offs for Turkish prezza Erdogan with his Thanksgiving photocall at the White House. “It seems the Democrats are accusing me of being too soft on Turkey,” said Uncle Donald seeking the usual clutch of laugh lines while encountering North Carolina birds Bread and Butter during the traditional presidential pardoning of a Thanksgiving turkey in the White House Rose Garden.

“Ah jeez, he just had to go for the corny pun, sorry America, I couldn’t save you there…” thought the author of “A Warning” by “Anonymous”, who no doubt was little more than a few yards away from the podium, but the real trouble with this latest humour fail was that the best joke unleashed on a US audience this week came from Nato's very own proper despot Recep Tayyip Erdogan—with props provided by Vladimir Putin—who embarrassed the Pentagon’s top brass by reportedly flying American-designed F-16 warplanes over Ankara to test the radars on the S-400 missile defences he’s acquired from the Kremlin.

So while Trump’s still got to bother with some tedious constitutional due process as the Democrats wage their attritional ‘Ukraine’ impeachment war on his stink of an administration (of course Donald F*ck’s best tactic here is to represent it all as one big yawn, with many Americans still asking themselves What is Ukraine?), Erdog’s only gone and ring-fenced his presidential complex with some tasty multi-billion dollar military merchandise to deter anyone thinking of going one better than the July 2016 ‘palace coup’.

“Thankfully, Bread and Butter have been specially raised by the Jacksons [at their farm in ‘Tar Heel’ state North Carolina] to remain calm under any condition, which will be very important because they’ve already received subpoenas to appear in Adam Schiff’s basement on Thursday,” the US President Donald Trump went on during his turkey pardoning speech, referring to the closed-door depositions in a Congress ‘basement’ Democrat bigwig Schiff has angered Republicans with. “It’s true. Hundreds of people have,” Trump added.

There was laughter and applause from guests, the Guardian reported, perhaps knowing laughter and applause as the audience realised the president didn’t write that bit. “Oh, that [Butter] looks like a dangerous bird. It just escaped,” said Trump as Butter jumped over the table.

The Commander-in-Chief, famed for doing his homework, was no doubt fully appraised of the fact that the turkey is a bird that looks wild and might appear to glower at humans, but it’s actually a tamed animal and can remain calm under almost any conditions when it’s been raised properly at some US farms.

When it comes to the top Turkey guy Erdogan, however, any attempt by his would-be Western masters to raise him properly went right out the window years ago. On almost any day of the week, he’s yelling angry rhetoric at Europe, Israel, the Kurds, those in his own party getting cold feet, Western energy companies daring to drill near Cyprus, or even at Trump (though Trump’s got no quibbles with Erdogan’s angry ass style, that’s just how he likes it). Not that the devious Sultan hasn’t got it in him to adopt an extremely calm real statesman’s act when it’s required, as long as the cameras aren't rolling.

The case of American Evangelical Presbyterian Pastor Andrew Brunson, essentially kidnapped by the authorities in Turkey after the botched coup when state tough nuts went around throwing spurious claims of terrorist associations willy nilly, was a great one for the endless Erdogan outbursts it laid on.

“As long as this fakir [Erdogan] remains in this post, you [the US] won’t get that terrorist [Brunson] returned,” declared Erdogan in January 2018 while addressing mukhtars (village heads) at his Ankara complex.

“[The US] is threatening [to set a certain deadline for the release of Brunson]… You will see how things are at 18:00 tomorrow. Is this country a [banana] republic? This is Turkey. What’re you doing!?” Erdogan shouted at the media on August 11, 2018, a Saturday.

On August 13, a Monday, when the markets opened, the Turkish lira hit a historical high of 7.24 to the dollar.

It was an adrenalin rush Trump has not forgotten. Sure he’s his strongman pal, but, perhaps when he’s gagging for a power fix, our man with the FishMac behind the Resolute desk in the Oval Office sometimes threatens Erdogan, on Twitter or during a press briefing, with laying waste to the Turkish economy if Erdogan does not follow his orders.

Not to forget Trump’s ‘insane’ “Don’t be a tough guy” letter to Erdogan on the eve of the latter’s Syria invasion (memorably trolled by Hillary Clinton, not that we’re forgiving her and her useless-as-a-bent-nail presidential campaign for getting us into this horror show in the first place).

On November 13, at an Erdogan and Trump joint press briefing at the White House, an American journalist asked Turkey’s finest: “And President Erdogan: President Trump sent you a letter on October the 9th, urging you not to launch a military action into northern Syria.  He said, quote, “Don’t be a tough guy.  Don’t be a fool.”  You ignored that letter, and you went ahead, and you launched a military action into northern Syria. Can you explain why you ignored the President’s warning?”

Erdogan replied: “Well, this letter was represented to Mr. President this afternoon. And I’ve also underlined the fact that a terrorist, such as Ferhat Abdi Sahin, should not be considered as an interlocutor by a country such as the United States… And, as I’ve said before, I have shared them with His Excellency, Mr. President. And we gave back the letter that we have received.”

Odd that, as the BBC previously reported that he chucked it in the bin. But hey! This is post-truth history, why get hung up on the pesky details!? Watergate sucks! Damn you Bernstein! Damn you Woodward! Screw you Ben Bradlee!

A final pointer. If you’re still wondering why Trump loves Erdogan this much, even though Erdogan sometimes loses his cool, you can dispense with those boring impeachment tragedies in the House. Tim Miller has compiled all aspects of this “tough love” for The Bulwark.


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Central Statistical Office of Hungary
(Population and Housing Census 1990)

Abstracts from the publication
What the enumerators should know
(Base enumeration)
Budapest 1989

[p. 2]

1 -- Introduction

As decided by the decree No. 22 of 1998 of the Presidential Council of the Hungarian People's Democratic Republic with reference date of January 1, 1990 in the territory of Hungary population census will be held.

The present document serves as a tool for the implementation in the enumeration of the main characteristics of the population.

[part of p. 2 is omitted.]

[p. 3]

General Questions

Every dwelling in the enumeration district -- contained by the list of addresses and names or in the area of the map -- should be enumerated. That is,

-- The occupied dwellings even if the license of use has not been issued yet. The private holiday house will be enumerated as a dwelling in case at the reference date of the census at least one person has been permanently or temporarily living there;

-- The vacant (not occupied) dwellings and the dwellings used only seasonally (e.g. a cottage house);

-- The occupied (inhabited) other housing units that is the temporary, mobile and other units;

-- The institutional households (day-nurseries, children's homes, dormitories, workers' homes, old people's homes, etc.).

The following build-ups must not be enumerated:

-- The premises originally built for habitation (as a dwelling) but used at the date of the enumeration for other purposes e.g. business, recreation only, office, etc.;

-- Technically completed though not inhabited dwellings yet, not having a licence for use;

-- Dwellings under demolishing;

-- Dwellings ruined, not suitable for habitation due to elementary or other damage;

-- Vacant dwellings used formerly not for habitation.

A separate enumeration manual will be applied for the enumeration of the institutional households.

In the housing units of the enumeration district -- irrespective their actual presence -- the following persons should be enumerated:

-- Persons officially registered as permanent residents;

-- Persons officially registered as temporary residents;

-- Persons staying in the dwelling without any official registration.

The place of residence (address) should be registered according to the effective situation; while marking the answer the entry in the List of addresses and the names should not be respected. In case the person is resident in the dwelling though the official registration has not been arranged yet than the expected status (permanent or temporary resident) will be marked. This might happen in cases like

-- The persons moved in the dwelling, changed his/her dwelling without arranging the registration;

-- The person -- due to the lack of license for using the (new) dwelling -- is not entitled to let him/her registered at the authorities;

-- The person moved from the outskirt of the locality into his flat in the inner area without arranging the official registration.

[p. 4]

The factual situation should be enumerated even if the given person failed to arrange the cessation of his/her registration in a dwelling, e.g. the person while conducting the studies had been officially registered as temporary resident in a locality where his/her parents have been living and after completing the studies and returning home he/she has forgotten to annul the registration. Any divergence related to the official registration of the addresses should be marked on the list of addresses and names.

From the point of view of enumeration a person might have not more than two addresses: one of them might be the permanent while the other the temporary address.

The persons should be enumerated both in their officially registered permanent and officially registered temporary addresses.

Further the persons who are not present in their dwelling for a longer period should be enumerated too. This group of persons might cover the following persons:

-- Being absent for a shorter or longer period for visits, medical treatment;

-- Officially staying abroad (in diplomatic, commercial services, for scientific research, etc;

-- Working abroad in a work-cooperation program;

-- Studying abroad.

The persons listed staying abroad will be enumerated in their place of usual residence while as for the address of their temporary residence the name of the respective country will be marked. Their temporary address in Hungary (if any) must not be taken into account. The family members (spouse, children) of the persons above who are living outside Hungary should be enumerated as the reference person of the family.

The enumeration of the conscripts, reservists on duty as well as that of the imprisoned persons will be done primarily by the given institutions and the task of the enumerator on field is the checking of the validity of the former enumeration.

The persons deceased after the reference date of the census should while on the other hand the children born after the reference date of the census must not be enumerated. In the former case a comment on the "List of addresses" should be marked.

The foreign citizens staying in the country having a resident permit or Hungarian identity document will be registered.

The following foreign citizens will not be registered:

-- Diplomats;

-- Military personnel and their family members residing in Hungary in the frame of the Warsaw Pact;

-- Tourists, persons in medical treatment, family or other visit without resident permit.

[p. 5 is omitted.]

[p. 6]

Completing the dwelling questionnaire

Dwelling questionnaire will be completed for every dwelling and housing unit.

The dwelling is a unit of places and rooms with specific functions (living rooms, cooking places, sanitary places etc.), generally technically (architecturally) connected to each other, intended for human accommodation, stay (home) or converted into dwelling and also suitable for living at present, which has a separate entrance from a public place, courtyard or from a collectively used place inside the building (staircase, corridor etc.).

The group of technically (architecturally) adjoining places, connected with inner passages, were considered at the enumeration as one dwelling also in cases when the passages of one or several places were blocked temporarily but not walled (e.g. in the case of co-tenancy). A mostly separate place, building -- e.g. the summer kitchen of detached family house -- built as a part of the dwelling was considered as part of the dwelling if it was used by a household either living in the main building or living -- as e.g. subtenant -- in the given building.

The number of enumeration district should be copied into the Dwelling questionnaire from the "List of addresses", while the code number of the characteristic of the dwelling will entered according to the judgment of the enumerator as follows:

Code 1: Residential building (including occupied holiday house and cottage house)

Code 2: Occupied other building: public building (school, mayor's office building), business building (office building, shopping house, factory building

Code 3: Institutional building (e.g. dwellings in the buildings of a dormitory, workers' home, old people's home, and hospital)

Code 4: Occupied workshop, temporary or mobile facility, caravan, hut, hovel, trailer, etc.

1. Data on the persons living in the dwelling

The on the first page of the dwelling questionnaire will be filled in with the help of the respondent. The persons living in the dwelling will be grouped by households, within the households by families. By listing the family members the sequence should follow the family ties, or rather the family status. The printed versions at the table will help the classification of the family members. The persons belonging to the same family will be allotted by the same family number while those belonging to the same household will be marked with the same household number.

A common household is a group of persons living together in a common housing unit or in a part of it, bearing together, at least partly, the costs of living (i.e. daily expenses, meals). Subtenants, night-lodgers and co-tenants should be marked always with individual household numbers.

Consequently before starting the enumeration it has to be defined the number of households, families living in the dwelling, than the families and the households should be "set up". The next step is the fixing of the family status.

Family is formed from the following persons living in a common household:

-- Married couple with or without child(ren);

-- Persons living in consensual union with or without child(ren);
[p. 6]
-- Mother or father living with child(ren) (unless the spouse or cohabiting partner does not live in the same dwelling, while

The following persons do not live in a family:

-- The related or non-related persons (other than listed above), e.g. two siblings, three friends, etc.;

-- Lone persons.
Fixing the family status (heading "d")

One of the printed answers will be underlined:

-- "Husband (1)" or "wife(2)" in case of legally married male and female;

-- "Consensual partner (3)" in case of males and females living in consensual partnership without legal marriage;

-- "Mother or father living with at least one child (4)" in case one of the parents lives with the children);

-- "Child (5)" in case of a child (own or foster) of the previously mentioned persons irrespective of the age of the person;

-- "Ascending relative (6)" in case of parent, grand-parent, brother-in-law, father-in-law of a "husband", "wife", "consensual partner" or "lone parent with children" in case the ascending relative lives in the family without his/her spouse;

-- "Other relative (7)" in case of any non-ascending relative not forming an independent family (e.g. aunt, sibling, grandchild);

-- "Non-relative (8)" in case of a persons other than blood-related (e.g. child in state care).

In case the household consist of one person the answer is "lone person "9") while in case of several -- related and non-related -- persons not forming a family the answer is either

-- "Other relative (7)" or
-- "Non-relative (8)".

The title of use of dwelling (heading "e") should be marked in case of every person. The following title of use of dwelling can be marked: owner (including beneficiary user), tenant (including service dwelling), co-owner, co-tenant, subtenant, night-lodger, persons having family ties to the former persons (e.g. child of the owner, brother of the tenant, etc.) as well as courtesy user, inhabitant without legal rights and user upon settlement o contract for life. The right of use on family ties can be marked provided not rental fee is paid. The title of use of dwelling of those renting the entire flat is always "tenant".

If more than 8 persons live in the dwelling an additional Dwelling questionnaire will be used as a supplement.

2. Owner of the dwelling

In case privately owned dwellings are in twin-houses or attached houses (terraced houses, chain houses, and atrium houses) the answer is "family house type dwelling (1)". The building incorporating not more than three dwellings is regarded as family house type building.

The dwellings in buildings incorporating more than three dwellings in private property should be regarded as "condominium or dwelling in collectively owned building (2)" even in case no articles of incorporation have been signed by the owners. In case of transitory dwellings the proper marking is "company tenement flat, service dwelling (5)". The dwellings of the housing co-operatives must not be mixed with the dwellings owned by co-operatives in general.

[p. 8]

3. Year of construction of dwelling

In case of multi-dwelling houses it has to be checked whether the answers given by occupants of the different dwellings are the same. In this regard differences between the dwellings of the same building might be only in case of extension of the building, technical reconstruction of the building.

4. Water supply of the dwelling

In case the dwelling is supplied with water from different sources the answer representing the more convenient source will be signed. The answer "the water from the public well I the street (5)" can be signed if community piped water is available there. In case the water is supplied from a dig or drilled well or the water is distributed in plastic bags the answer is "other source".

5. Hot water supply of the dwelling

Any kind of hot water supply, even a boiler used for washing-up is accepted. In case the hot water is supplied from several sources the one used for bath should be marked.

6. Availability of flush-toilet

The answer "yes, within the dwelling (1)" will be accepted provided the dwelling is supplied with running water in the dwelling and is connected to a sewage facility.

7. Connection to the sewage facility

The answer "yes, local facility" can be marked provided the waste water is channeled into a closed desiccators. At least one of the answers should be marked.

9. Heating of the dwelling

If the heating of the dwelling different methods are applied the one used in the rooms should be marked.

10. Number of premises

Only premises provided with direct natural light and ventilation (with doors, windows), with a floor space of at least 4 m2, serving for sleeping or staying during the day (bedroom, children's room, dining-room etc.) should be marked as rooms. The hall and the eating-place having also a window, as well as the premises of room-like character used as consultation rooms, waiting rooms, offices etc. also figure among the rooms.

While counting the total surface of dwelling the floor-space covered by the built-in furniture and the premises adjoining without a door (alcove, dining area) has to be taken into account too.
The premises built and used as a bathroom is regarded as a bathroom even if there is no running water in the dwelling.

In case of one-premises dwelling the total surface should be marked as the surface of the room.

[p. 9]

Completing the personal questionnaire

The identification numbers should be copied from the "list of addresses"

1. Place of enumeration

As marked on the Dwelling questionnaire the place of enumeration is the address of the dwelling where the enumeration is taking place. The answer "officially registered here" might mean either a "permanent (1)"or a "temporary (2)" registration; the appropriate answer will be underlined. In case the person is present on the place of enumeration without any official registration the answer will be marked according to his/her (in case of a child of his/her parents') future status (i.e. if he/she is willing to be registered there as temporary resident than answer "temporary (2)" will be underlined). The person's elsewhere (officially) registered address should be marked at question 7, nevertheless it has to be taken into account that a persons can not have more than one officially registered permanent address and more than one registered temporary address at the same time.

2. First and last name

The name as registered in the personal identity document will be entered.

3. Maiden name

In case of married, widowed and widowed females the first name and name before the marriage will be marked.

6. Marital status

The legal marital status will be taken into account. The legally married person is regarded as such even though his/her spouse is not living with nevertheless the marriage had not been terminated by court. The marital status of the persons cohabiting without legal marriage should be registered according to the legal status, e.g. in case a never married female is living with a married male, their marital status will be marked as "never married" and "married" respectively.

7. Address elsewhere as the place of enumeration

Entry will be made in case the enumerated person has an address other than the place of the enumeration: In case the registered address is in Budapest the district should be marked too.
In case the official registration on the place of the enumeration is "permanent (1)", then the entry at this question should be "temporary (2)" and in case question 1 is answered by "2", then the answer here is definitely "1".

8. Year of first marriage

The question should be answered by every married, widowed or divorced person by a four digit number. The answer "Never married 90" can be marked only for males and females who have never lived in a legal marriage. The year of the first marriage should be marked even in case a person has had several marriages.

[p. 10]

9. Number of live-born children

Live-birth is the coming into the world of the fetus giving some sign of life (e.g. breathing, heart function, decisive motion of the volitional muscles, and pulsation of the umbilical cord). While answering the question all child born-alive -- living with in other household, moved, deceased -- should be marked. The foster children and the children under state care must not be registered.

10. Nationality

Every person is counted as belonging to the national group to which he/she declared to belong, free of all influences and without regard to his/her mother tongue.

11. Mother tongue

Mother tongue is the living language which one learns in one's childhood (as one's first language) and in which the person generally speaks with the members of his/her family and which one, free of all influences and true reality, declares to be his/her mother tongue. The mother tongue of the dumb and the infants unable to speak is the language in which their next of kin regularly speak.

12. Language spoken besides mother tongue

The living language besides mother tongue is the one in which the person is capable to understand and to make him/her understood by others. In case the person speaks several languages other than the mother tongue the one mostly used will be marked.

13. Educational attainment

The aim of the interrogation is to acquire information on the level of schooling of the population. Therefore the types of schools and the classes, grades completed and the qualifications obtained in other types of schools not listed in the questionnaire must not be recorded. The answer "without completed school (00)" is marked for persons who did not even complete the general (primary) school, irrespective of their illiteracy.

The highest education i.e. the highest grade completed (also in case of the students) in the general (primary) school must be registered in the respective boxes, while the other institutions of the official school system the marking is necessary if the person has completed studies.

The completed studies abroad should be classified according to the Hungarian system, qualifications obtainable.

The different types of schools are the following
[Comment of the translator: quite many of the school types refer to educational systems that no longer apply. The names of the institutions might seem not familiar for the experts in the (traditional) classification of the educational institutions]:

The general (primary) school includes -- with the exemption of schools for extensive training -- each educational institution of elementary training, popular school, schools for back warded pupils and the so called "civilian school", as well as the first four years of the grammar school of 8 grades.

[p. 11]

The boxes at the "civilian school" can be used only if persons born before 1935.

The educational attainment, i.e. the grades completed must not be converted into the present educational system, e.g. in case a persons completed the 4th class of the "civilian school" "4" should be marked in the respective box.

While answering the further questions only the completed studies will be marked. The following items are regarded as completed studies:

-- Certificate of profession obtained on the day course of the school for training skilled laborers (former apprentice schools);

-- The certificate of profession obtained on the day course of the former course as well as the examinations on professional qualification;

-- The General Certificate of Education obtained in a grammar school or other secondary school as well as the final certificate on completion of the secondary school in the years from 1974 to 1986;

-- The certificate, diploma obtained by completing the studies in a university or other higher educational institution.

The manual further gives a detailed list on the educational institutions of secondary and high level education, the translation of the individual items seems not necessary.

The following qualifications must not taken into account even in case those have been obtained in an educational institution of the regular school system: certificates obtained in course raining, certificate of profession obtained within the adult training, certificate on completing the grades of higher educational institutions, special exams passed in postgraduate training (e.g. specialized physician, specialized engineer, judge, etc.).

14. Work performance, work for material compensation (active earner)

The persons having been worked for wage, enumeration in the last week of 1989 are regarded as active earners. The category does not include those who worked besides receiving child care allowance or pension on own right. The following people belong to the group:

-- Employees, outside workers working for companies, institutions, public offices, co-operatives, business association formed by private persons;

-- Working members of agricultural, special, industrial and handicraft co-operatives;

-- Private entrepreneurs;

-- Family helper in non agricultural activities.

Irrespective the factual working activity in the last week of 1989, i.e. persons might have been absent from the work due to being on winter holidays, maternity or other unpaid holidays, illness, participating on a training course, etc.

The following persons are regarded also as active earners:

-- Persons living in the course of 1989 of work performed as causal hand (including the agricultural day-laborers);

-- Persons having performed in 1989 at least 90 (10 hours) days agricultural work as family helper (with the exemption of the same agricultural performance of the students on daily course, the persons receiving childcare allowance or pension on own right);
[p. 12]
-- Conscripts and reservist on duty provided they were active earners before the enrolment;

-- The imprisoned persons provided they were active earners before the enrolment;

-- Persons receiving invalidity pension or pension on derivative right while working actively;

-- Old age pensioners working without receiving their pension.

In case of the above persons, the answer is "yes (10)".

In case the persons can not be classified as active earner after underlining the answer "no", it should be indicated which category the given person belongs to. The answer will be marked by taking into account the following:

-- The person is on "childcare allowance leave (20)" if when taking care of the child the given person is on unpaid holidays, and till the 2nd year the child is entitled to get an allowance from the state in a defined percentage of the salary before the unpaid leave.

-- The person is on "childcare contribution (30)" if taking care of a child from 2 to 3 years of age the persons is on unpaid holidays and receives a cash contribution to the upbringing of the child. The status in case of a child with acute illness, can be prolonged till the 6th year of age. The person on childcare contribution leave -- within certain limits -- is entitled to work for cash compensation.

-- "Old age pensioner on own right (30)" , "invalidity pensioner on own right (31)" and "invalidity or other renter on own right (32)" is the person who is receiving old-age pension, invalidity pension or invalidity or other rent on own right and does not perform any working activity for compensation>

-- "Pensioner on derivative (widow's) right (33)" is the person receiving a pension on the right of the deceased spouse or other relative and he/she is not a student on day course of an educational institution and neither has a working contract, is nor working member of a co-operative or private entrepreneur.

-- The person is qualified as "never worked, looking for first job (40)" if a person, after concluding his studies is not working yet nevertheless is actively looking for an employment (e.g. contacted the labor office, placed an advertisement, have asked the help of friends to find the job, etc.).

-- The person is "unemployed looking for a job (50)" if he/she has been working before but at the date of the enumeration does not have a workplace and has already taken the steps for finding a new job.

-- The answers to questions "child in nursery (60)" and child in kindergarten (61)" are self-evident.

One of the following answers will be underlined if the person is not working for money, is not conducting his studies while receiving childcare allowance or childcare contribution but is studying on the daily course or private pupil in a

-- "General, primary school (70)";

-- "Trainee (71)";

-- "Student in a special institution of secondary level (72)";

-- "Secondary school student (73)";

-- "University (higher educational institution's) student (74)".

To ensure the unequivocal classification it should be mentioned that the pupils attending the school of the mentally handicapped are regarded as pupils in general (primary) schools, the persons studying in schools for stenographers/shorthand writers and medical assistants are regarded as secondary school attendants while those visiting the so called "special vocational schools" are regarded as trainees. The trainees attending the third grade of the special vocational school and already receiving some compensation for their work will be regarded as students. Similarly the persons studying in a high level educational institution university while receiving a bursary or performing some (usually causal) work for compensation will be regarded as students as well.

[p. 13]

The answer is "other dependent (80)" in case of children under 14 years of age not attending the day nursery or kindergarten, and in case of a person aged 15 years and over working as a housewife or family helper in agriculture performing in 1989 less than 90 days. The persons not belonging to the categories listed above and who do not have any regular income or social benefit practically maintained by the members of the family, etc. are classified into this group too. Furthermore the category includes the conscripts and the imprisoned persons not having been worked before their enrolment.

If the answer is "persons not belonging to any other category listed (90)" the source of livelihood should be always entered at the dotted line at the answer. The entry might be: living of letting their land, house, holiday house, etc., of having subtenants, night-lodgers, of selling their property, of having a life annuity contract, etc.

The base rules of answering the questions from 15 to 19 are as follows:

Question 14:

-- Persons answering "yes (10)" will give information on their main occupation.

-- Persons being on child-care leave answering "no (20)" should give should give information on their main occupation before the leave. Each person other than before should not give an answer to questions form 15 to 19.

Questions from 16 to 19:

-- Professional and civilian members of the armed forces and security bodies will not answer question 19/a.

-- Private entrepreneurs should not answer questions 17 and 19/a.

-- Family helpers should not answer questions 17, 18 and 19/a.

-- Causal workers and agricultural day laborers will skip questions from 16 to 19.

15. Scope of work (occupation)

The description of the scope of work (occupation) should give (detailed) information on the actual work performed, in case of managers on the concrete assignment. General denominations as outside worker, worker, teacher, etc. must not be accepted.

Some guidelines for marking the answers:

-- In case of persons in leading, managing positions, the concrete assignment should be marked too, e.g. head of technical department, had of section for product development, foreman of roofers, chief physician managing a hospital section, assistant professor leading a faculty, leading kindergarten teacher.

-- In case of persons working in intellectual occupations in the ministries, nation-wide organizations, offices of parties, mass organizations -- with the exemption of financial, accountancy and administrative positions -- the marking of clerk, executive, collaborator, chief collaborator, head of section, head of department is sufficient. In case of the exemptions, a more precise description is required, e.g. financial clerk, head of section of accountancy, payroll clerk, stenographer-typist, and accountant.

-- In case of persons working for transportation companies (Hungarian Railways, Hungarian Shipping Company, etc.) instead of the office rank (e.g. officer, councilor, etc.) the actual activity should be marked, such as external traffic controller, switchman, etc.
[p. 14]
-- In case of persons working as managers of a store, restaurant, service shop (hairdresser, laundry, etc.) the number of persons managed should be indicated, e.g. head of shoe shop employing three persons, etc.

-- In case of an agricultural foreman and regardless of level of competence (independent or not), the field should be entered, e.g. independent foreman of teamsters, independent foreman of fruit producers, etc.

-- In case of private traders, reference should be given to the goods traded e.g. trader in dry goods, trader in fruits and vegetables, etc.

-- In case of persons working for the armed forces or security organizations, it is sufficient to refer the respective body, e.g. employed by the M(inistry of) I(nterior), employed by the M(inistry of) J(ustice) employed by the M(inistry of) D(efense), fireman, excise officer, militiaman, etc.

-- In case of family helpers, the entry should give information on the supported person (whether is an agricultural private entrepreneur, member of an agricultural co-operative, private locksmith, etc.).

-- Agricultural causal worker or roustabout can be marked only in case the work is performed occasionally and usually not for the same employer. In this case the questions from 16 to 19 will be skipped.

16. Employment status

The answer should be given by underlining the respective answer. The following remarks should be taken into account:

-- "Employee (1)" is the person having a working contract with a company, office, institution, co-operative, private entrepreneur/private person, an organization formed by private persons (private business partnership, company of general partnership, working team of lawyers, etc.) and his working activity is compensated by a wage or salary.

-- "Member of co-operative (2)" is marked for working members of agricultural, industrial and other co-operatives;

-- "Private entrepreneur, freelancer" is the persons working on his own as agricultural farmer, artisan, trader, freighter, etc., as a commissioned renter of a productive or commercial unit, member of a working tam of private individuals, etc.;

-- "Family helper" is the person working in a shop, store, and private venture of one of his family member.

17. Staff group, assignment

The question should be answered only by the employees and the working members of co-operatives by distinguishing the intellectual and manual workers.

In case of a manual worker, the respondent should give information whether he is employed as "skilled worker (1)", "semi-skilled worker (2)" or "unskilled worker (3)".

In case of the intellectual workers, the answer should be given by underlining the appropriate answer. The assignment, i.e. "leader, manager (7)", "subordinated clerk (8)" or "subordinated administrative officer (9)", informs on the place of the person in the hierarchy of the division of labour.

[p. 15]

Special attention is needed in marking the occupation of the persons working in the health sector, where the following instructions must be taken into account:

-- Ambulance men, maternity nurse, assistant nurses, helpers in operating rooms, masseurs, anatomists, assistant anatomists are always regarded as manual workers;

-- The district and nurses as well as the nurses working in the medical cabinets of a production plant are classified always as intellectual workers;

-- The nurses in general, with the exemption of the former categories will be classified as manual or intellectual workers according to their workplace. The nurses are classified as manual workers in case they work in maternity hospitals, children's homes, old people's homes, occupational therapy establishments, as well as those working as "nurses at beds" in hospitals, other health institutions.

18. Name of the employer

The official name of company, office, institution, co-operative, private entrepreneur/private person, an organization formed by private persons (private business partnership, company of general partnership, working team of lawyers, etc.) should be marked.

19. Place of work

As an answer to the sub-question 19/a the section, plant, subsidiary of the employer should given, e.g. the weaving mill of a textile company, the retail shop of a trading company, the general (primary) school of the municipality of a given locality, etc.

In sub-question 19/b the name of the locality (in case of Budapest the district too) of the workplace should be entered. It has to be marked whether the given person is going daily for work from his/her permanent or provisional address. The address marked in case of persons working

-- On an alternate place (e.g. those working for the railways, etc.) the locality of the daily briefing;
-- For a construction company the actual place of the construction;
-- For an agricultural employer which has plants in several localities the name of the locality of the plant where the given person worked for the longest period of the year 1989;
-- Abroad the country of work is sufficient.


text:
Major Brazilian footwear Group files for insolvency

Published:  28 June, 2019

The footwear manufacturing and retailing Group, which is also licensed to manufacture for the Adidas brand, has a debt of R$638.5 million (US$167.15 million) and filed a lawsuit for business recovery on June 24.

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Quiet Beach Town Living on Panama’s Pacific Coast

Santa Catalina is one of those out-of-the-way beach towns with its own quiet charm. As you walk through town along one of the two narrow streets you pass young men with their surfboards under their arms, headed for the break. Kids on bicycles roll past, avoiding a dog or two. The bus from Santiago arrives and a few backpackers get off, hoisting their loads as they’re passed down from the top of the bus.

A pickup truck inches along as the driver announces the fresh produce he’s selling from the back. ”Hay piña, melon, sandia y papaya. Hay cebolla, papa, tomate, y repollo,’‘ he says into a loudspeaker. Today he has pineapples, cantaloupes, watermelons and papayas, as well as onions, potatoes, tomatoes, and cabbage. The road ends at the beach, where you can see locally-owned fishing pangas anchored just offshore, and the view stretches to the endless horizon.

There’s more than one Santa Catalina in Panama, and the one I visited is at the southern end of Veraguas Province. It’s located west of the Azuero Peninsula along Panama’s Pacific coast near the island of Coiba, the largest island in Central America. The southern exposure and protected shoreline originally drew fishermen seeking tuna, snapper, marlin, sea bass, and other delicacies. Surfers discovered the consistent breaks a few decades ago and kept the area a closely-guarded secret. Scuba divers began visiting once Isla Coiba opened up as a diving destination in 2005. Today, Santa Catalina still attracts anglers, surfers, and divers, along with tourists and expats who want to get off the beaten path.

To get there you take the Pan-American Highway to Santiago then head southwest to the town of Soná. The drive from Panama City takes about five hours in a rental car, and there’s a shorter route from David that avoids Santiago. Regular bus service is reliable and inexpensive between Panama City or David and Santiago, then on to Soná and Santa Catalina.

With a full-time population of about 400 and perhaps 50 expat residents, Santa Catalina is very small. The village itself consists of two roads: one brings you into town and carries you on down to the Santa Catalina Beach; the other turns off to the left and winds around, ending at Estero Beach. Dive shops, two grocery stores, an elementary school, and a few surfing shops make up the commercial center. A number of B&Bs, inns, hostels, and surf camps offer accommodation and a surprising variety and number of eateries serve up good meals.

Until recently, Santa Catalina wasn’t even on anybody’s radar. In the last few years infrastructure improvements have made it a more feasible destination, including more reliable cell phone and internet service, better roads and tourism promotion. Still, it takes an adventurous spirit to adapt to life in Santa Catalina—you won’t find any fast-food places, no bank or ATM, no gas station, no gourmet deli. You will find a welcoming community in a scenic beach-front locale with a laidback lifestyle and youthful outlook on life.

Santa Catalina, Veraguas, Panama
The small beach town of Santa Catalina is the perfect place for a simple, laidback lifestyle.

Because it’s such a small village, real estate offerings are limited and there’s no realtor in town. Through local contacts I found a two-bedroom, two-bathroom, newly built home, ready to move in, listed for $219,000. Constructed to North American standards, it features granite counters, wood finishes, an upstairs loft, and private back patio.

Occasionally existing homes come on the market and you might find good value if you’re interested in upgrading a typical local home. For a purchase price around $70,000 and an additional investment around $30,000 for renovations, you could have a nice two-bedroom home on a lot near the beach.

With few new and resale homes on the market, a better option may be to buy land for your custom home. Lots in town are available for $40,000 or $45,000 with larger parcels on offer outside of town.

Pricing depends on location, naturally, with waterfront property commanding higher prices. For a total investment of $150,000 to $200,000, you could have your own lot with a custom-built home in this quiet beach town.

Here’s an insider tip—it’s a good idea to assure your own water source, such as a well and a storage tank. The local water association is informal and you’ll want to have your own reliable water supply. Also, make sure that the location that interests you has good electrical service and cell phone reception.

There’s a decent range of rentals on offer so you’ll have a place to stay while your dream home is under construction. You’ll find rentals in and around town ranging from $350 for basic dwellings to $1,000 per month for more desirable locations, utilities included. Expect properties with the grandest views to carry the highest price tags.

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3Doodler EDU Create+ Learning Pack, 12 Pens
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To qualify for an EDU account, you’ll need to register with us. Please be sure to register with your education email address for a faster approval process. Once you’ve done this, there will be a short review process (usually two business days or less), and then you’ll be granted access to the 3Doodler EDU Store.
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If you would like a quote, the first step is to make sure you’ve registered for a 3Doodler EDU Account. Once your EDU account has been approved you can log in to view the EDU discounted pricing. For a completely accurate quotation that includes shipping, and duties, you can place the items you wish to order in the cart on our site and go through the motions of checking out. The system will then give you an accurate quotation. If you would like more information about setting up an EDU account, please email edu@the3doodler.com and we will walk you through setting it up!
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We do accept POs as a form of payment! If you’re interested in placing a PO you can email edu@the3doodler.com for more information concerning payment via Purchase Order. POs themselves should be sent to: po@the3doodler.com.

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Explosion Proof Enclosure

Enclosures that are Explosion Proof are critical for any Hazardous Area location that is serious about safety. We offer Explosion Proof enclosures that come in a variety of sizes, mounting options and materials to meet your unique needs. If you can not find a specific enclosure that you are looking for please feel free to reach out to our team of Hazardous Area experts to help.

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text:
Problem importing from audioshare

Hi when I import from audioshare BeatMaker 3 informs me that the file is in imports. But no file is there. I have tried with a few different files but no luck. Anyone else experience this?

  • And when my wav files are in the root AudioShare folder they import as 0kb files and do not play when I add import them into BM3 by selecting Cloud then Files. When I move them to a sub folder in Audioshare they import ok using the Cloud option.

  • edited November 2017

    Same, but to clarify, this seems to only happen when you go from the AudioShare app, use the share button, and choose open in BeatMaker 3. If you start in BeatMaker 3, open the browser, tap the folder icon, tap the iCloud icon at bottom right, choose AudioShare in the list of locations, then tap on the file you want to import, it does actually work. That said, using the "open in BeatMaker 3" option in other share menus also doesn't work. So it's not AudioShare, it seems to be an issue with the "open in BeatMaker 3" share function. I tested this with a file in the app Documents (an mp3 and a wav) and it didn't work.

    Edit: I didn’t see your other comment about 0kb files. I just checked again, and if I import the files via the BM3 browser using the iCloud button, they appear in the imports folder just fine and preview and load to pads just fine. All of my AudioShare files are in the root folder, except for things sent to the trash folder.

  • Will look into that one as well! I'll keep you updated.

  • If it's viable to change the iCloud icon in BM3(when running iOS11+) to 'Files' it would lessen the confusion.
    And if it's possible let the 'Files' icon remember the last used location. (Default could be 'Files Root').

    I think GarageBand sets the example for this as It just says "Browse Items from the Files app".
    There are no longer any references to 'iCloud' to be found...

  • Hey @samu!

    Makes sense :) I can change that easily.

  • @mathieugarcia said:
    Hey @samu!

    Makes sense :) I can change that easily.

    Cool, and btw. I noticed that default 'save location' was set to 'iCloud' in the General->Settings->BM3.
    Is this intentional, accidental or planned for syncing between devices?
    (No files get saved to the 'cloud' so the setting is a bit confusing).

    I noticed the change after update to iOS11.1.1...

  • Can i move this to fixed ?

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• Download the mobile app

Kazakhstan's investment opportunities presented at Toronto Global Forum 2019 in Canada

KAZAKH INVEST presented Kazakhstan's investment opportunities and promising sectors for investment, as well as told foreign businessmen about measures of state support of investors during the annual global economic forum Toronto Global Forum 2019 in Canada.

The major event was attended by heads of states of various countries, CEOs of Fortune 500 companies, international organizations and heads of central banks.

Within the framework of the forum, the delegation consisting of the Ambassador of the Republic of Kazakhstan in Canada Akylbek Kamaldinov and representatives of KAZAKH INVEST held more than 30 meetings with the heads of various transnational corporations and large companies from Canada, the USA and Latin America. During the meetings, business representatives learned about niche investment projects of Kazakhstan in the field of agribusiness, gas chemistry, energy and mining and metallurgy.

So, during negotiations with the representatives of Gurnet Capital Point (the USA), they discussed the issues of creating a medical hub in Kazakhstan, in particular, the implementation of innovative projects in the field of pharmaceuticals and medicine.

“World leaders and multinational corporations are now in search of promising new markets in developing countries. In turn, Kazakhstan is a very promising country in the Central Asian region for expanding our production in various directions”, said Christopher A. Viehbacher, the Managing Partner at Gurnet Capital Point.

In addition, delegates discussed promising projects in the field of cattle meat processing and soybean processing as part of the meeting with Argentine investors from Integra Capital.

“Jointly with our American partners, we are ready to study Kazakhstan projects and consider Kazakhstan as a platform for implementing new investment opportunities. In the near future, we would like to visit the production site in Kazakhstan and get to know the owners of the companies by the end of the year”, said Dr. José Luis Manzano, the President of Integra Capital.

Following the meetings, a number of companies expressed their interest in the projects, such as methanol production in West Kazakhstan region, localization of special equipment, lithium mining and processing, etc. Also, new trends in the field of digitalization and cybersecurity were discussed with leading global companies.


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Greener World, Greener Money

April 7, 2017

By Craig Maddock, CFP, FCSI, CIM, FICB, CFA, MBA
Vice President, Investment Management

With Earth Day approaching, I am not surprised to see people making an effort to be more environmentally conscious at this time of the year.

When I was growing up, my dad was always trying to save energy. He wouldn’t drive if he could walk or take a train. We had to turn off lights all the time. No air conditioner unless it was above 30˚C. Dad was no environmentalist—he was just frugal! To him, wasting energy was wasting money.

Today, there are a growing number of great businesses that are very profitable as they help people reduce the energy they use and also save money. My dad was clearly onto something.

Here are some of the companies we invest in within the MD Fossil Fuel Free Equity FundTM.

A very cool investment idea

One of the more interesting companies we invest in is Daikin Industries, the world’s largest maker of air conditioners. Global demand for air conditioning will only increase as economies advance, populations grow and urbanization continues.

At the same time, we know that air conditioning uses large amounts of energy, resulting in an increase in greenhouse gas emissions (which accelerates global warming and creates even greater demand for air conditioning!).

Daikin is focused on producing highly energy-efficient products to mitigate the environmental impact. For instance, its refrigerant HFC-32 has a much-lower global warming potential than that of conventional refrigerants—about one-third.

In addition to the HFC-32, Daikin aims to significantly reduce worldwide greenhouse gas emissions through its inverter air conditioners, which basically allows the compressor to operate at its optimal speed—fast when a room needs to be cooled quickly and slow to maintain a constant temperature and thus saving energy.

Not only do these technologies help the environment, they reduce costs for consumers and companies—making the green option the one that helps to save money.

Reducing emissions at the speed of a bullet (train)

East Japan Railway Company (JR East) is another company in the MD Fossil Fuel Free Equity FundTM that has found a way to reduce its energy cost while benefiting the environment.

JR East is one of the largest railway companies in the world. Serving 17 million passengers every day, it is the dominant operator of Tokyo rail and the Shinkansen bullet trains, which can travel up to 320 kilometres per hour.1

As a mode of passenger transport, rail is at least twice as energy efficient as cars, buses or cabs. Compared to air transport, rail is 35 times more energy efficient, which makes it potentially tens of thousands of times less carbon intensive.

Not surprisingly, one of JR East’s biggest costs is energy but it has found ways to source it sustainably. The company focuses on electric trains and is committed to expanding renewable energy to power its train network.

A huge priority for JR East is reducing its greenhouse gas emissions from its railway operations through energy saving. It has been investing in developing energy efficient rail technologies and also working on ecological station designs.

Back to the basics

If rail is the most energy efficient process for high volume transportation, then cycling is actually 15 times as energy efficient as rail for most people. And cycling can be hundreds or thousands of times less carbon intensive.

A company that fits into the environmental theme is Shimano Inc., a Japanese company that makes bike components (80% of its business), as well as fishing tackle and rowing equipment. Although it’s a Japanese company, the vast majority of its revenues come from outside Japan, making this a global company. Shimano has a 70% global market share for its bike components2, which are widely used by teams at Tour de France.

As worldwide interest grows in both leisure and fitness cycling, Shimano should benefit from expanding sales of its bike components. This will especially beneficial to Shimano as it has established efficient manufacturing capabilities and should enjoy further profitability as demand for bikes grows.

The lessons I learned growing up have shaped me as an investor today. I don’t like to overspend for anything, and I do like pragmatic, efficient businesses. As the world increases its focus on energy efficiency and cleaner technologies, I’m sure that we will identify more and more companies that are able to turn this desire into profitable and sustainable business ventures.

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Jilin Pengrui Industry Co., Ltd.

A Chinese packaging manufacturer intends to build its plant in Primorie. The project details have been discussed at the meeting of Mr. Vladimir Miklushevskiy, Primorie Governor, with the management of Jilin Pengrui Industrial Group Co. Ltd at the 21st International Exchange and Development Summit of Regional Administration of Northeastern Asia Counties in Changchun, Jilin Province, PRC, today on August16.

The largest company in Jilin Province processes waste plastic, glass and paper into packaging products. The corporation intends to implement a similar project in Primorie jointly with Sumotori Company Group and Tai Yuan Corporation (China).

16 August 2016

Investor profile

Jilin Pengrui Industry Co., Ltd.

T: +86431133316675

Private Company

The Chinese company is a manufacturer of packaging materials. The company was established in 2005. It has 120 employees and average annual revenue of over USD 20 mm.


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Do you have a great idea for a project that makes your community stronger, healthier, or more vibrant? Need some support to bring your idea to life?

ioby is a nonprofit crowdfunding platform built to support local leaders like you. Our powerful platform and one-on-one support helps leaders across the US bring their great ideas to life,  one block at a time. Check out answers to some commonly asked questions about fundraising with ioby below.

The Basics    Crowdfunding    Fees & Fiscal Sponsorship    Support Center

ioby FAQ

What is ioby?

We're a nonprofit crowdfunding platform for people who want to get good done in their community. ioby stands for “in our backyards,” but it also stands for taking care of each other, for civic participation, and for trusting neighbors to know what’s best for the neighborhood.

Our tailored coaching and crowdfunding platform gives local leaders–like you!–the ability to raise the resources they need to build real, lasting change from the ground up. Our tailored, one-on-one services help connect leaders with the support and funding they need from their own communities to make our neighborhoods even more awesome than they already are.

Learn more about the principles that drive us here.

What services does ioby offer?

We provide an affordable online crowdfunding platform (with some of the lowest fees in the biz), paired with one-on-one fundraising coaching from a Leader Success Strategist. From creating a fundraising plan, to helping you get unstuck when you get stuck, we're there with you every step of the way.

We also regularly provide workshops, webinar trainings, and resources to help you nail your crowdfunding campaign and bring your great idea to life.

How is ioby’s platform tailored for community projects?

The ioby platform was designed to get good done for the whole community. With ioby, you can:

  • raise tax-deductible donations, and be sure that every donor automatically receives a donor acknowledgement letter they can use to claim that deduction

  • keep what you raise with our flexible finish policy

  • access all your donor contact info to help you cultivate your local base of support

  • get one-on-one support planning your asks, and to help you when you get stuck

  • fundraise with suggested donation levels instead of cash-value gifts

What can I fundraise for on ioby?

For the most part, any US based project with a clear public benefit is eligible to crowdfund with ioby. Food justice? You got it. Local park improvements? Check. Community organizing? Oh yeah. Renewable energy? Yup. Bike Infrastructure? Another yes! Public art? We love it! As long as your project benefits your community as a whole, and is not for private benefit, the sky's the limit.

Learn more about criteria for projects that crowdfund on ioby.

What projects CAN’T ioby support?

We cannot currently support for-profit business startups, campaigns that benefit just one individual (such as campaigns for medical costs), or international campaigns that benefit non-US residents.

Where does ioby work?

Anyone in the United States and its territories can fundraise on ioby. We support leaders everywhere from small towns to big cities. 2,000 leaders from nearly 300 towns and cities across the United States have raised over $6 million on ioby to get good done. Learn more about our impact in our annual Giving Report

How do I get started?

Simply share an idea anytime at Once you've submitted your project idea, you'll immediately have access to our training materials to start building your ioby campaign page. Within 24 business hours, you'll also hear from your dedicated Leader Success Strategist, who will set up a call with you to answer any questions you have and set you on the path to fundraising success. Your Success Strategist will work with you throughout your campaign, so you'll know just who to call when you need help.

I heard you have match funding. How does that work?

ioby works with partners nationwide to develop innovative match funding programs to support community projects. With our partners' support, we occasionally offer specific match funding opportunities that can double the impact of your fundraising work. Match programs are generally limited to specific types of projects, rules set by our partners (parks projects in Memphis, for example), and we often open new ones through out the year. Check out our currently open matches, or sign up for our newsletter to be the first to know when a new match launches.

ioby FAQ

What is 'crowdfunding'?

Crowdfunding is a way to fundraise for a project by pooling lots of people's resources to raise the amount you need. Powerful crowdfunding platforms, like ioby's, help you communicate your projects goals, allow your donors to give securely online, and ease the process of sharing your project on social media, over email, and in person.

With crowdfunding, you don't need huge donations to get to your goal–you just need a strong community that's willing to support your idea. Even with small donations add up to big impact.

Who will donate to my crowdfunding campaign?

Successful crowdfunding campaigns are funded by neighbors, friends, family, local businesses, and others who would love to see your project brought to life. We often like to say that you probably already know most of your donors!

How long is a typical crowdfunding campaign?

Campaign length varies depending on how much you need to raise, how big your team of fundraisers is, and how quickly you're able to fundraise. That said, the average ioby campaign runs for about 5-7 weeks. Don't meet your goal in your timeframe? ioby has a flexible finish policy to help you raise the funds you need.

How does ioby's fundraising coaching work?

Before your campaign goes live, you’ll have access to ioby’s Leader Toolkit, an easy getting-started guide, as well as other fundraising resources that are specific to your campaign’s needs. You’ll also be paired with one of our Leader Success Strategists, an experienced fundraising coach who can help you plan your budget, create a campaign schedule, and hone your fundraising asks.

You can work with your Success Strategist over phone or over email, and they will be available to answer your questions and provide guidance throughout your campaign.

Or if you're feeling confident in your fundraising chops and don't need much help, let us know! We'll only provide support when you want it.

Will ioby fundraise for me?

No crowdfunding platform fundraises for your project, but ioby provides the tools and coaching you need to run an effective crowdfunding campaign. We'll help you create a fundraising plan, come up with likely donors in your network, strategize how to make asks, and come up with a plan to reach your goal. While it's tempting to look at viral crowdfunding campaigns for inspiration, the fact is that 90% of donations to online crowdfunding campaigns are made by people in the extended network of the fundraising team. No matter what platform you use, crowdfunding always starts with your crowd.

What will make my crowdfunding campaign successful?

In the ten years that we've supported leaders crowdfund, we've found that the top predictor of a successful ioby campaign is the size of your fundraising team. Having a committed team of at least three or four people--or more, if your goal is large--can be the difference between a successful campaign and a fundraising flop. While no two crowdfunding campaigns are the same, we’ve collected several best practices from the 2,000+ projects that have been funded on ioby's platform. When you work with ioby you'll be assigned a Leader Success Strategist, a grassroots fundraising expert who can help you craft a stellar campaign page, set the right campaign target, help you build a winning team, plan campaign communications, and more.

ioby FAQ

What’s the fee for using ioby?

Our fee is one of the absolute lowest among crowdfunding platforms, and there is no up-front cost for using ioby. At the end of your campaign, we retain a flat fee of $35 that helps us keep our platform running (and we waive that fee if you raise less than $1,000). We also retain a 3% processing fee that pays our secure credit card processor. Lastly, there's an optional 5% fee that is only retained if you opt for ioby's fiscal sponsorship service. Your Leader Success Strategist will help you calculate your estimated fees when you begin your campaign, and factor it into your fundraising goal, so there are no surprises. Read more here.

How is ioby funded?

As a nonprofit, ioby receives foundation grants that help fund our core operations. We also rely on the support of the community of leaders and donors that we work with. Every time a donor supports a project on ioby, they are given the option of adding gratuity–a small donation to ioby–to their total. Gratuity is made transparent to donors during check out and is completely voluntary, but is essential to keeping our fees low and coaching services strong. ioby does not solicit donors to ioby campaigns again after checkout.

What if I don’t meet my goal?

You can always keep what you raise on ioby, even if it’s less or more than your original fundraising goal. Our flexible finish policy allows you to edit your campaign deadline and fundraising goal if needed, so you can adjust if things change during your campaign. Read more here.

Are donations to ioby campaigns tax deductible?

Yes, every donation to every ioby campaign is fully tax-deductible. When your donors give, they receive an automated thank you from ioby that provides them documentation of their tax-deductible donation.

What if I’m not a nonprofit?

On ioby anyone with a great idea that improves their community–even individuals and informal groups–can easily raise tax-deductible donations. If you are not a nonprofit, and not already working with a nonprofit fiscal sponsor that can accept funds on your behalf, ioby can serve as your fiscal sponsor for funds you raise, so all donations to your campaign remain tax-deductible. There is a small fee for ioby's fiscal sponsorship that covers the cost of managing funds.

Learn more about fiscal sponsorship here.

How does ioby’s fiscal sponsorship work?

At the end of your campaign, we’ll sign a simple fiscal sponsorship contract with you, in which you’ll commit to using the funds you raised toward the charitable purpose described in your fundraising campaign. You'll also need to submit receipts to ioby for the purchases you make with the funds you raise. ioby charges a 5% administrative fee for fiscal sponsorship.

Learn more about ioby's fiscal sponsorship here.

Other questions?

Search for answers to other questions at our support center, or drop us a line at We're more than happy to chat with you about your project idea, or provide more information about crowdfunding with ioby.

So, what's your big idea to improve your community?

start a project      or        give to a project


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Author Archives: James Pray

About James Pray

Attorney with BrownWinick Law Firm in Des Moines, Iowa.

Iowa files to dismiss ICCI public trust water quality lawsuit

I am closely watching an environmental lawsuit filed on March 27, 2019, in the Polk County, Iowa district court against the State of Iowa and several officials and departments. The lawsuit was filed by Iowa Citizens for Community Improvement (ICCI) … Continue reading

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What is the Green New Deal?

There has been a lot of confusion regarding a “Green New Deal.” The fact that people are now talking about a greenhouse gas reduction measure (regardless of what it really means) is an astounding turn-around from just two years ago … Continue reading

Posted in Energy, Uncategorized, USEPA News | 2 Comments

Sioux City Wastewater Supervisor pleads guilty to hiding illegal discharges

Iowa has not see a great deal of criminal environmental enforcement at either the federal or state level.  Nationally, EPA’s civil enforcement under the current administration is down to levels never seen in recent history (by the size of penalties).  … Continue reading

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EPA and Army Corps Propose New Definition of “Waters of the United States.”

On December 11, 2018, the Environmental Protection Agency and the United States Army Corps of Engineers proposed a new definition of “waters of the United States” (WOTUS) and will soon publish the new definition in the Federal Register for a … Continue reading

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November 15th is the deadline for Farmers to report Ammonia and Hydrogen Sulfide Releases from Animal Waste.

The EPA’s December 18, 2008 final rule exempted most farms from many reporting requirements in CERCLA and EPCRA. Exemptions were created under both EPCRA and CERCLA for emissions from animal waste for CERCLA and for smaller than CAFO-sized facilities under … Continue reading

Posted in Uncategorized | Leave a comment

The term “flogging a dead horse” means to continue a particular endeavor that is a waste of time as the outcome is already decided. This term is appropriate for the recently publicized Iowa Policy Project (“IPP”) report finding that “drainage … Continue reading

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Don’t step in that Puddle! The U.S. Army Corps of Engineers Adopts new Iowa Stream Mitigation Rules

Before someone decides to remove or alter “Waters of the United States” (“WOTUS”) through construction, plowing, grading or other similarly activities a 404(b) permit must be obtained. Part of the permitting process involves proving that the  “Least Damaging Practicable Alternative” … Continue reading

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