In the digital world, how does one deal with system failure? There exists no perfect computing system, and failure is guaranteed to occur at some point. The next logical step would be to prepare for its eventual occurrence and try to mitigate the system’s costs going offline. How can an organization do this? The answer is to create a team specifically tasked with dealing with this problem.
What Is Disaster Recovery and Business Continuity?
Business continuity planning is the process of creating backup systems to deal with a potential threat to a company. Through vigilance and proper planning, it helps an organization withstand changes in its environment and still operate. Disaster recovery is the set of procedures followed to assist the recovery of vital infrastructure and technology following a disaster. Though bearing a lot in common, disaster recovery focuses on IT or technological systems, whereas business continuity focuses on the business’ key areas.
Why Is Disaster Recovery and Business Continuity Important?
Some advantages of disaster recovery and business continuity are:
- Companies with existing policies to manage disasters and system failures have increased the stability of operations. This reliability will allow the organization to maintain its performance and reduce overhead costs of dealing with a disaster.
- Zero productivity is the result of a loss of business continuity. With disaster recovery and business continuity plans, it becomes possible to recover with minimum damage and asset loss. This helps secure the overall profit margin.
Should Your Company Practice Business Continuity and Disaster Recovery?
Like a car getting insured, business continuity and disaster recovery are insurance against natural or human-made disasters. If the question is whether your company should practice it or not, the answer is yes. By preparing for and managing damage from disasters and failures, it becomes possible for the organization not to be affected in the best-case scenario and get back up and running much faster in the worst-case scenario.
Role of a Disaster Recovery and Business Continuity Team
Now that you’ve decided to invest in disaster management and recovery, the need for a team to handle this becomes quickly apparent. The entire process’ complexity requires a team that understands how the business and systems in the organization operate. The team would need to know the whole business inventory, including equipment, suppliers and supplies, locations and documentation on the business. The team is also responsible for impact analysis, threat analysis, and impact scenarios. A potential business threat may require unique recovery steps. A tiered rank of preparedness is also prepared, and the final solution is designed by the disaster recovery and business continuity team. The answer is then implemented and tested, and if successful, maintained by the team.
Skills Required for Disaster Recovery and Business Continuity
The nature of these policies requires a certain level of skill is necessary. To carry out disaster recovery, computer skills are a must. A member of the team needs to be skilled in networking and network administration. Database and application specialists are also required. A DevOps developer is needed for fast prototyping of solutions. A system analyst must evaluate the system, while a security expert must create security policies for handling application failure.
What Roles Do Training and Certification Play?
For businesses to carry out these policies, their employees must stay updated on the latest technology trends. An organization can use online certifications to ensure their employees are up to the task. Combining online training from industry professionals and hands-on practice can generate a higher quality plan which is continuously being updated.
Looking to get your organization a business continuity plan or are you a professional looking to join a disaster recovery team? Here at EC-Council, we offer numerous certifications and hands-on training to give you the know-how and skill to properly implement and take part in disaster recovery and business continuity teams. Our practical hands-on approach makes sure that you have the practical knowledge of carrying out plans to complete our certifications.
Are you looking to implement a business continuity plan? At , we have several certifications to help you on your way to implementing a business continuity and disaster recovery program for your organization. With our iLabs, we also provide practical training in implementing disaster recovery and business continuity programs for your organization.
“How to Build an Effective and Organized Business Continuity Plan.” Forbes. June 26, 2015.
“Business Continuity Plan”. United States Department of Homeland Security.
Susan Snedaker (2013). Business continuity and disaster recovery planning for IT professionals (2 ed.). Burlington: Elsevier Science


screw press electric screw press manufacturer in china
Electric screw press is a kind of forging equipment with strong technological applicability, taking into account the dual properties of forging hammer and press, and has the characteristics of simple structure, small volume, short transmission chain, convenient operation, safe operation and small maintenance workload.
The J58K series electric screw press produced by Anyang Forging Press adopts advanced frequency conversion control technology, and has a simple and reliable structure, which can provide large working energy, and has the following characteristics and advantages, which make it widely used in forging production.
1. The flywheel adopts friction overload protection, which is safe and reliable;
2. Higher rigidity and strength;
3. Advanced intelligent control system;
4. High precision, high stability of control and transmission;
5. A variety of device systems can be selected.
If you are interested in it, please contact me.


Automatic dispenser that works well with our F10 Hand Gel.
Material: White ABS Body
Mounting: Surface Mount Concealed Fix
Provides one drop per cycle (1~1.5mL)
Auto Operation: Infrared Sensor
Operated/Powered by six AA Batteries (not included) provides approx 10,000 drops/one year usage
Green Standby Light, Red Low Battery Light
Can be used with select Medical Grade Soaps
Liquid Level Indicator
Lockable (key provided)
Capacity: 950mL Removable Reservoir
The HydroFoamer offers easy automatic dilution with convenient control of where and how the solution is applied. On and off functions are at your fingertips, trigger-controlled on the spray nozzle. To rinse, the concentrate container is disconnected using an easy-to operate quick coupler, designed to allow either a full width spray or powerful jet stream while rinsing. This range of control helps personnel apply the solution where it’s wanted. Handles on larger containers increase the operator’s control over the application and reduce potential operator fatigue.
Simple to install and operate and inexpensive, these blend centres automatically dilute any liquid chemical at a wide range of dilution rates which are set using colour coded metering tips. For our F10SC Vet Disinfectant the most common options are the light blue tip 1:128, and the turquoise tip 1:256. However the range of tips runs from 1:8 all the way up to 1:427, so these units can suit most liquid chemicals.
Disinfection mats are designed to assist with biosecurity and disease control. For human use, at entrances to disease-sensitive premises, the mats replace the traditional footbath and improve OH&S by reducing tripping and spillage. They can also be used in previously "unguarded" areas where liquid footbaths were deemed too messy.
3 sizes available - mini mat 45 x 45cm holds 3.5 litres; 85 x 60cm holds 8 litres; 85 x 85cm holds 12 litres, all mats are 3cm high.
The Foamaster II offers simple disinfectant dilution at the end of a hose using standard fittings. Ideal for F10SC use for parvovirus, as one of the standard auto-dilution settings is 1:128, so no pre-dilution required.
The ATOM 105 is an electric ULV (Ultra Low Volume) fine droplet sprayer that utilizes a powerful blower motor in an extremely robust machine structure, and is used for dispensing most chemicals which are labelled for aerosol or mist applications.


text:
Another report on another very successful crew event!! Thanks to all who joined: chobi, fluffy, roofstone, mattiejas, beard, gloozy, kassz, klingeastwood, exar, nopitch, jeffrey, flummisen, and venjam1n! We started with a friendly BMX/bicycle meet in the ghetto. Exar impressed everyone with his BMX wall scaling skills! Some uninvited cops did turn up to intervene at an unrelated gangster shoot-out.
We started with modding a vehicle found in-game, with a point to the first person to bring a vehicle (yay myself!!) and another point for the person who modded the nicest vehicle. Kassz was the proud winner with a beautiful golden lowrider!!
The main part of the event then ensued. We all tried to get vehicles from roofstone’s list, some a lot easier than others (we will now always weep in tears whenever we see a bus in freemode…), with interspersed challenges to make things really interesting. Congratulations to fluffy for holding the record of bringing the most cars! Also congratulations to flummisen, fluffy, nopitch, and jeffrey, for being the winning time, but especially to flummisen for driving home the final five points by successfully delivering roofstone’s ruiner to the fish! Special mention to nopitch for identifying an extremely creative method to bring cars with bodies for bonus points.
All in all it was an absolutely awesome event, very different from what we’ve been used to in the past, so a big big thanks to roofstone for making it all happen, with extra mention to flummisen for helping out roofstone with all the preparations and the artwork that went into this. Everyone will agree that we must certainly do this sort of event again!
Some footage below. You can also watch the archived live stream on twitch. Enjoy!

domain: hobby


Pope Francis has said that "history will judge" those who refuse to accept the science of climate change.
“If someone is doubtful that [climate change] is true, they should ask scientists," he told reporters aboard the papal plane. "These are not opinions made on the fly. They are very clear. Then each person can decide and history will judge the decisions."
A Vatican official called the move a "slap in the face" to the Pope and the Vatican at the time.
Asked whether politicians have a responsibility to work with other countries to prevent climate change, the Pope responded: “All of us have a responsibility, all of us, small or large, a moral responsibility."
"We have to take it seriously. We can’t joke about it,” he added. “Each person has their own. Even politicians have their own.”
His Holiness spoke as Hurricane Irma pummelled Florida with punishing wind and rain. Days before, Hurricane Harvey had submerged parts of Texas in massive floods. Some experts predict the combined damage could cost the US economy up to $290bn.
Scientists have long warned that the warming of the Earth's oceans and atmosphere could strengthen future hurricanes. The latest storms marked the first time two Category 4 hurricanes had hit the continental US in a single hurricane season.
“If we don’t turn back, we will go down,” Pope Francis told reporters ominously.
According to the Associated Press, the Pope also said that he hoped Mr Trump would reconsider his decision to end Daca, a policy granting certain rights to young, undocumented immigrants.
Mr Trump recently announced that he would rescind the policy in six months unless Congress passed it into law. The decision would put some 800,000 childhood immigrants at risk for deportation.
Pope Francis has previously criticised Mr Trump's immigration policy, calling his plan to build a wall between the US and Mexico "not Christian".
On Sunday, he said that he hopes the decision to repeal Daca will be "re-thought somewhat".
“To take away young people from their families is not something that bears fruit, neither for the young people nor for their families," he said.
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text:
KIAF 2018 ART SEOUL
Exhibition Dates: October 4 (Thurs.) – October 7 (Sun.), 2018
Exhibition Venue: COEX 1F, Halls A&B
Booth: Kukje Gallery booth A27
Kukje Gallery will also participate in KIAF 2018 ART SEOUL (hereafter KIAF), which will take place from October 4 to October 7, 2018, in halls A and B at COEX, located in Samseong-dong, Seoul. Organized by the Galleries Association of Korea and celebrating its 17th anniversary, KIAF is Korea’s largest art fair and features contemporary art from galleries from all over the world. KIAF is widely regarded as an art fair that not only brings together the Korean art scene but also Asia’s major collectors and art professionals. The upcoming iteration of KIAF will also host a series of public conversations about topical subjects including the art market today, as well as organize a special exhibition in collaboration with the Gwangju Biennale.
Kukje Gallery is a regular participant in KIAF and the booth this year will include major Korean artists including Kwon Young-Woo’s white hanji (Korean paper) works from the 1980s, Park Seo-Bo’s Ecriture series, Lee Ufan’s From Line (No. 790105) (1979), and Kim Yong-Ik’s dot paintings from the 1990s. The gallery’s booth will also include select works by an international roster of artists including the New York-based artist Roni Horn’s Remembered Words drawing series created from 2012 to 2013; Ugo Rondinone’s new work titled the none (2018), which features the artist’s uncanny formal mix of painting and sculpture; the French artist Jean-Michel Othoniel’s Purple Lotus (2015) which explores the infinite colors and artistic possibilities of glass; Julian Opie’s works that capture the most primal human actions of walking and running; and Candida Höfer’s photographs of places focused on the pursuit of enlightenment such as Villa Borghese Roma VIII 2012 and Cuvilliés-Theater München II 2009.
Based in Seoul, Kukje Gallery is currently holding a solo exhibition of Yoo Youngkuk titled Yoo Youngkuk: Colors from Nature. Yoo is regarded as one of the founders of Korean abstraction along with his peer Kim Whanki, and is best known for his vibrant vocabulary that distills the Korean natural landscape into basic formal elements of point, line, plane, and color. The exhibition will remain open through October 21, 2018.

domain: artistic


Posts Tagged: national security state
When history finally conducts an autopsy into this horrendous pandemic, the national security state that failed to protect us cannot emerge unscathed.
This moment should spark a conversation about the place of national security whistleblowing in a democratic society.
New debates, especially on the national security state, bring new vibrancy to our civic life. In death, even flawed politicians can do us that final service.
The late IPS co-founder consistently connected the dots between America’s military adventures overseas and economic and racial injustice at home.
Government spying is a problem for everyone. But people of color, religious minorities, and political dissidents are far more likely to be victims of unwarranted monitoring.
Under Obama, whistleblowers face a total of 751 months behind bars — compared to 24 months for all other whistleblowers combined since the American Revolution.
Someday in the distant future, I hope you’ll read this letter and smile indulgently at my worst fears.
The threat of "lone-wolf" terrorist attacks is greatly overblown. More worrying is what the security state "shepherds" are doing in the name of preventing them.
Americans are trading away their privacy, civil liberties, and billions of tax dollars for an intelligence complex that never seems to know what's going on in the world.
Mass incarceration and militarized police forces are two of the most potent tools in a panoply of repressive instruments of power used by Israel and the U.S.


Stefan is an expert in in the field of mass mining methods. He is distinguished by many years of operational experience related to bulk materials handling at open cast mines worldwide.
After his doctorate at the Institute for mining and mining machinery at the University of Hannover, Stefan became principal engineer at a manufacturer of steel cable for mining purpose. Later he took the entrepreneurial and technical responsibility for the surface mining related segments of a Materials handling OEM and at Continental ContiTech Conveyor Belt Group.
Since 2007 he successfully heads our mining departments at RWE Technology International GmbH.
Besides, Stefan is a sworn expert by the Chamber of Commerce (IHK) for Cologne, publicly appointed in the fields of: Belt conveyor, cables and conveyor belts.


text:
Financial Services Regulation & Compliance - Cross Sectoral Oct 2017
Financial Services Regulation & Compliance - Cross Sectoral Oct 2017
Central Bank publishes Markets Update Issue 8 2017
The Market Update makes reference to the Central Banks publication of the Twentieth Edition of Central Bank UCITS Q&A, the Twenty-Sixth Edition of the Central Bank AIFMD Q&A and the Third Edition of its Investment Firms Q&A. On 6 October 2017, the Central Bank published the Third Edition of its Investment Firms Q&A. This replaces the second edition of the Central Bank Investment Firms Regulations 2017 Q&A and contains new questions ID 1026-1031 focusing on MiFID II and the definition of “local firm” as defined in Article 4(1)(4) of the Capital Requirements Regulation.
Central Bank confirms provision of MiFID Local Licences
The Central Bank confirmed that it will offer MiFID Local Licences to proprietary trading firms under a new category of MiFID licence to be known as the MiFID Local Licence. A MiFID Local Licence firm is exempt from the CRD IV requirements. This development now means there are 9 categories of MiFID firms in Ireland. The MiFID Local Licence would require a reduced level of minimum initial capital (€50,000 – a significant decrease from the minimum €730,000 requirement), will be exempt from the CRD IV Own Funds Regime and is exempt from the Bonus Cap. The Bonus Cap limits variable remuneration to 100% of fixed remuneration, subject to an upper limit of 200%, with shareholder approval. An applicant will need to confirm that it trades solely on its own account in derivatives, has no external clients, does not act as a market maker, uses only exchange traded instruments and will access clearing on a client or indirect client basis only.
Central Bank publishes new application forms and Guidance Note on completing certain applications
On 20 October 2017, the Central Bank published draft application forms meeting the ‘European Banking Authority (EBA) Guidelines on the information to the provided for authorisation as a payment institution or electronic money institution and for registration as an account information service provider under PSD2' published in July 2017. The application forms affected concern applications for authorisation as a Payment Institution, Electronic Money Institution, registration as an Account Information Service (AIS) Provider and as a Small Electronic Money Institution. The Central Bank has also published a guidance note on completing these application forms. The guidance provides assistance to applicants in relation to the requirements of the Central Bank in obtaining authorisation.
Central Bank publishes Guide to the 2017 Industry Funding Regulations and related legislation
Following a consultation process, the Central Bank has implemented a new methodology for the calculation of levies payable by certain institutions. The Central Bank has published a Guide to Industry Funding Regulations 2017 (the Guidelines) setting out how the 2017 Industry Funding Regulations are calculated. The Guidelines also highlight the changes to the levy in 2017 together with changes to the categorisation of regulated financial service providers. It also sets out how net Annual Funding Requirement is determined.
The Central Bank has published the Central Bank Act 1942 (Section 32D) Regulations 2017 [S.I. No. 442 of 2017] (the Funding Levy Regulations). The Funding Levy Regulations impose an obligation on regulated entities during the levy period to pay, on or before the due date, the levy contribution and the supplementary levy contribution (if applicable), to the Central Bank.
Central Bank of Ireland publishes first Systemic Risk Pack
The Central Bank is responsible for monitoring the risks to financial stability and the implementation of policies to mitigate risks to the financial system and the real economy. As a result of its role as Ireland's macroprudential authority, they Central Bank has published a Systemic Risk Pack (SRP), which presents indicators and visualisation methods for monitoring systemic risk in the Irish financial system. The intention is that this will be a bi-annual indicator pack and it will provide an overview on the current level of systemic risks in order to assist with macroprudential analysis. The SRP adds to existing financial stability analysis such as the sectoral risk analysis provided by the Central Bank’s Macro-Financial Review, SME and Household Credit Market Reports. The objective of the SRP is to review risk in line with the Central Bank's macroprudential policy framework and key objectives under this framework, which include reducing the potential for systemically important banks to adopt destabilising strategies.
Central Bank publishes Guidance on Transaction Reporting under Regulation 600/2014
With effect from 3 January 2018 MiFIR will introduce a new transaction reporting regime. MiFIR has prescribed new standards and formats for reporting. The scope will include additional financial instruments, trading venues and reporting firms. The guidance sets out the operational and technical arrangements for submitting transaction reports under MiFIR to the Central Bank systems and it should be read in conjunction to the Technical Reporting Instructions published by ESMA. It contains information on those entities that are authorised to submit MiFIR transaction reports, the different methods of submissions and the required format and content of those submissions.
Central Bank Test Online Reporting System- MiFIR Transaction Reporting User Procedure Document
The Central Bank has published a draft MiFIR Transaction Reporting User Procedure Document. The document will be updated post testing phase and finalised pre- January 2018.
Asset Management Supervision: The landscape today and 2018 supervision priorities - Michael Hodson, Director of Asset Management Supervision
Mr. Hodson outlined the Central Bank’s supervisory priorities for 2018, the outsourcing arrangements within the asset management sector and developments at a European level.. He spoke at length about the supervisory priorities next year noting that firms should be planning now to ensure they are adequately prepared should a hard Brexit materialise. In 2018 the Central Bank will have an increased focus on IT risk, analysing MiFID II and the safeguarding of investor money. Mr. Hodson noted the Central Bank's interest in outsourcing and its related risks which firms need to be mindful of such as governance or oversight risk. He also warned that assessing culture risk is a priority for the Central Bank and in 2018 firms can expect their supervisors to challenge them on the appropriateness of their culture and the behaviours that culture is promoting.
The Irish Financial Services sector: a Prudential Regulation Perspective - Speech by Deputy Governor Ed Sibley
Mr. Sidley gave a speech at the Financial Centres Summit 2017 where he spoke about financial stability, prudential regulation, perspectives on the Irish financial sector and Brexit. With regards to prudential regulation, he noted that the Central Banks approach will continue to be risk-based and anchored by the PRISM supervisory methodology, and underpinned by the credible threat of enforcement. He warned firms not to let history repeat itself. Mr. Sidley touched on business model development, governance, risk management and culture stating they will strongly feature in the work plans for 2018. The speech also noted the importance of firms’ preparations for MiFID II and the completion of the Capital Markets Union.
Brexit and other current issues in financial services regulation - Gerry Cross, Director of Policy and Risk
Mr. Cross' speech touched on the impact of, and preparations for, Brexit. He advised that financial firms in Ireland who sell services to the UK market will need to ensure that they have considered the implications for their business models of a loss of passporting rights on the UK’s exit. He highlighted that ensuring that regulated firms are planning effectively for this risk remains an important focus for the Central Bank and he noted their expectation that firms who have material UK-related business to have procedures in place for dealing with the risks of a hard Brexit occurring in early 2019. Mr. Cross also spoke at length about innovation in the financial services sector, the need for it, but also the related risks it can bring.
Introductory statement by Governor Philip Lane at the Joint Committee on Finance, Public Expenditure and Reform, and Taoiseach
Governor Lanes statement focused on the Tracker Mortgage Examination; Brexit; the banking sector; the insurance sector; and the macroprudential mortgage measures. In relation to the banking sector, he noted that there has been no Brexit-related deterioration in asset quality among the Irish retail banks now prudentially supervised by the SSM of the ECB. He highlighted that in fact, these institutions have made good progress in examining their exposures and have implemented processes within their frameworks to ensure that Brexit-related risks are factored into decision making. He noted that although the recovery in the banking sector is continuing, the sustainability of bank business models is still a risk factor. Governor Lane outlined that balance sheets declined in the first half of 2017 as well as the yields on bonds issued by Irish banks. He also spoke about non-performing loans (NPLs) noting that the expectation is that there will be further NPL reductions through restructuring, recoveries, and loan portfolio disposals.
ESMA updates Q&A on the Benchmarks Regulation
ESMA has updated its Q&A on the Benchmarks Regulation. The new Q&As include the following topics:
the scope of the Regulation
ESMA Consultation Paper - Draft guidelines on non-significant benchmarks
ESMA has published a Consultation Paper on draft guidelines on non-significant benchmarks. The Consultation Paper covers the following areas:
procedures, characteristics and positioning of oversight function
appropriateness and verifiability of input data
transparency of methodology
governance and control requirements for supervised contributors
ESMA has invited comments on all matters in its draft guidelines on non-significant benchmarks, and particularly on the specific questions highlighted in Annex I. The closing date for comments is 30 November 2017.
ESMA updates Q&A on Market Abuse Regulation (MAR)
ESMA has updated its Q&A document on the implementation of the MAR. The purpose of the Q&A document is to promote common supervisory approaches and practices in the application of MAR and its implementing measures. The updated Q&A includes a new detailed answer on the obligations of issuers in the particular case of delayed inside information that then loses its price sensitivity feature during the delay period.
ESMA updates its EMIR and CSDR Q&As
ESMA has updated its Q&As regarding the Emerging Market Infrastructure Regulation (EMIR) and the Central Securities Depositaries Regulation (CSDR) in order to promote common supervisory approaches and practices in the application of EMIR/ CSDR and its implementing measures.
Legal Entity Identifier - Briefing
ESMA produced a briefing on the Legal Entity Identifier (LEI), providing explanations on who needs LEIs, why they are important and how to obtain them. The LEI is a 20-digit alpha-numeric code that enables clear and unique identification of legal entities participating in financial transactions that can also be used on a cross border basis, through a free and open database updated on a daily basis. These LEIs are needed in order for firms to fulfil their reporting obligations under financial regulations and directives. LEIs are also used for matching and aggregating market data, both for transparency and regulatory purposes.
ESMA produces first overview of EU derivative markets size
ESMA has produced data on the size of the interest rate, credit, equity, commodity and foreign exchange derivatives markets in the EU, for the first time, based on the weekly data it receives from trade repositories. ESMA's initial analysis, performed on data available on 24 February 2017 estimated the notional value of the EU's derivatives markets across all asset classes as €453 trillion and 33 million transactions.
ESMA updates its Q&A under the Alternative Performance Measures guidelines
Steven Maijoor on the State of European Financial Markets
Steven Maijoor, Chair of ESMA, spoke at ESMA 2017 on 17 October 2017 about the challenges facing European financial markets.
The three key issues Mr Maijoor focused on were the following:
to build a Capital Markets Union, especially by protecting retail investors
a strong convergent European supervisory culture including Brexit
improving understanding of trends, risks and vulnerabilities in financial markets
European Commission publishes Guidelines on the application and setting of administrative fines for the purposes of the Regulation 2016/679
The Article 29 Working Party has released draft guidelines which supervisory authorities should refer to before issuing administrative fines under the GDPR. The guidelines prescribe a number of factors to be taken into consideration before a fine is issued, including, but not limited to the nature, gravity and duration of the breach, the number of data subjects involved, the scope and purpose of the processing, the damage suffered by data subjects and any action taken by the organisation to reduce such damage.
European Commission publishes Roadmap – Fitness Check of supervisory reporting requirements
The Commission is currently conducting a fitness check of the EU reporting requirements in the financial sector to assess any gaps relating to supervisory reporting. The assessment will focus on whether the requirements are effective, relevant and add value, whether there is coherence between the varying reporting frameworks and whether the cost and burden of the reporting obligations is efficient.
European Securities Market Authority publishes Securities and Markets Stakeholder Group (SMSG) Response to the Public Consultation on Prospectus Regulation Level 2
The SMSG's response notes their agreement with the changes brought about in the Prospectus Regulation, the aim of which is to simplify access to capital markets for small and medium enterprises while also communicating to investor's information on issuers and financial instruments so they can make an informed investment decision.
The European Securities and Markets Authority updates its Q&A on Prospectuses
ESMA has updated its Q&A on prospectus related issues. This update includes the deletion of one Q&A (Q&A 27 Convertible or exchangeable securities) and updates to four others (Q&A 29, 31, 32 and 44 relating to exemptions). The changes do not relate to the substance of the Q&As and come as a result of the Prospectus Regulation (EU) 2017/1129 becoming applicable on 20 July 2017.
European Securities and Markets Authority to provide recurring reports on the cost and past performance of retail investment, insurance and pension products
ESMA received a mandate from the European Commission to provide recurring reports on the cost and past performance of retail investment, insurance and pension products. This request implements the action announced in the Commission communication on the Mid Term Review of the Capital Markets Union of 8 June 2017. The action will contribute to the objective of the CMU Action Plan to increase investor awareness of net returns and the impact of costs and charges on performance.
The Delegated Regulation (EU) 2017/1799 supplements MiFIR with regards to the exemption of certain third countries central banks in their performance of monetary, foreign exchange and financial stability policies from pre- and post-trade transparency requirements.
MiFID II: EU issues guidance on obtaining brokerage and research services from non-EU brokers
In response to industry concerns on how firms can obtain brokerage and research services from other jurisdictions, the Commission has issued guidance in the form of FAQs to clarify how EU investment firms should interact when they seek out brokerage and research services from broker-dealers in non-EU countries. The FAQ outlines the relevant provisions and explains how EU firms can obtain international research and brokerage services in full compliance with their obligations.
European Commission Request to the European Supervisory Authorities to Report on the Cost and Past Performance of the Main Categories of Retail Investment, Insurance and Pension Products
The Commission submitted a formal request in accordance with the founding Regulations establishing the European Supervisory Authorities (ESAs), inviting the ESAs to issue recurrent reports on the cost and past performance of the main categories of retail investment, insurance and pension products. This request implements the action announced in the Commission communication on the Mid Term Review of the Capital Markets Union of 8 June 2017 on recurrent reporting by the ESAs of cost and performance of the main categories of retail investment, insurance and pension products.
Updated European PRIIPs Information Exchange Templates
Insurance Europe and EFAMA published updated PRIIPs information exchange templates which were originally published in June 2017 to provide a functional description of the set of data to be exchanged from asset managers and banks to insurers to help fulfil their PRIIPs regulatory obligations. While the use of the templates is not compulsory and the changes described below are optional, Insurance Europe strongly encourage that stakeholders use the most recent versions to ensure operability amongst all users.
The changes to the templates are as follows:
The European PRIIPs Template (EPT) was amended by two optional parts (items 82 to 101). The first addition is relevant only for funds/structured products offered in the German market whereas the second part amends the EPT for data fields related to structured products which were not catered for in the initial template.
The “Comfort” EPT (CEPT) does not make any content changes, but merely provides two possible methods for the VEV calculation for regular premium. Please note that this template includes more data, so its delivery is subject to bilateral agreements between insurers and asset managers.
ECON report on action plan on retail financial services
The European Parliament updated its procedure file on the report by its Committee on Economic and Monetary Affairs (ECON) on the European Commission's action plan on retail financial services and published the final report on 31 October 2017. The procedure file indicates that the Parliament will consider the report during its plenary session which will be held from 13 to 16 November 2017.
A number of amendments have been made to the draft report which was published in June 2017. The amendments include ECON:
Stating that the action plan falls short of the ambition to create a regulatory environment conducive to transparency, growth and innovation and with a high level of trust on the part of businesses and consumers in retail financial products. It notes the continued high levels and opacity of fees and commissions in relation to private pensions, investment funds and other retail products that significantly reduce the real returns to retail investors.
Emphasising the importance of ensuring that financial services of all kinds can be provided on a cross-border basis.
Asking the Commission to investigate the possibility of introducing a 29th regime for retail financial products and calling on the Commission to look into the possibility of creating a harmonised legal framework for standardised default options for the most commonly used EU financial products.
Calling on the Commission to propose rapidly an amendment to the SEPA Migration Regulation (Regulation 924/2009) to reduce charges for cross-border transactions in all member states.
Calling on the Commission to consider omnibus legislation to move away from existing sectoral legislation and towards the completion of a solid and consistent consumer transparency framework.

domain: law


text:
Miz Casa & Co
Miz Casa & Co Olivia Bracelet Gold Pearl
The Olivia Bracelet Gold Pearl is an entrancing bracelet that you're set to fall in love with. Featuring natural freshwater pearls and 18k Gold plated hardware these will be the most treasured in your collection.
- Length; 12cm
- Adjustable Length
- Fresh water pearls
- Irregular shape
Please note: as these are natural freshwater pearls, there are slight variations between each pair

domain: design


EZ Maintenance Cleaner is specifically designed to remove daily debris from hard surfaces while extending the life of the EZ Super Guard on polished concrete. The cleaner rejuvenates water repellency of stain protection, especially in high traffic areas. The EZ cleaner contains no harsh chemicals.
• Removes daily debris from hard surfaces
• Extends life of the EZ Super Guard on polished concrete
• No harsh chemicals
• Does not damage concrete surfaces
• Rejuvenates water repellency of stain protection
Coverage Rate: 75,000-1,000,000 sf/gal (Coverage depends on equipment used)
Mixing: 4 oz to 25 gallon water
1) Apply EZ Maintenance Cleaner with an autoscrubber or mop. The autoscrubber should be fitted with a non-aggressive cleaning brush or pad.
2) After cleaning the floor, let the surface dry before allowing traffic to resume.
3) Remove dust and debris with a microfiber pad or dry mop between cleanings.
4) Regularly check the wear of the floor to determine if EZ Super Guard needs to be reapplied.


If you’re looking for a packaging solution that will save warehouse space, packing time and shipping costs, KTEC has protective packing void-fill air pillow products that are high quality alternatives to traditional peanut, foam, and paper packing. We offer a full line of void fill materials like; high-quality bubble, air-pillows, tube materials, and anti-static films for your specific packaging needs.
Automatic filling and sealing machines designed for reliability, flexibility and optimizing packaging throughput. Create a simple, stand-alone packing station, or integrate into existing high-productivity, multi-station order fulfillment operations. We can help you find the packaging solution that best fits your operation.


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Kitchen With Granite Countertops And Beige Backsplash Ideas – For a visual boost to your kitchen, try a new backsplash. Athena Calderone’s kitchen previously had horizontally stacked, green subway tiles. In order to modernize the look she fitted the Calacatta monet backsplash. This kind of stone doesn’t have grout, which makes it simple to maintain. Anyone who wants to make their kitchen more sanitary , will appreciate an option with less grout. It’s best used in conjunction with the everyday things. A monochromatic palette works best with a pattern that is fun.
The design of the freestanding kitchen backsplash is typically dependent on the structure and design of your kitchen. This means that you need to decide how many panels you’ll need. You should also consider the pattern you choose for your counter. This is because your backsplash should be matched to the design of your counter. By adding a pattern, you can make the kitchen appear more organized and open. It is possible to install pegboard over your backsplash. It is also simple to keep clean as it’s made of wood particles unlike other unfinished materials.
One of the most popular backsplashes nowadays is subway tile. It’s available in various shades and is able to be placed in any way to complement any style. If you are looking to add an element of retro, subway tile is a great choice. Subway tiles are practical as well as stylish. It is a great way to protect the walls surrounding the stove and sink from splattering and staining. It is possible to select tiles that have a complementary color to your cabinets in your kitchen.
One of the latest styles for kitchens of today is fabric-look tiles. This tile is gorgeous and affordable. It is installed in a couple of days with the help of some tools that pro chefs utilize. Fabric-look tiles can be found for priced at less than $20. It can be set with solid lines and shapes or have a decorative design that frames the backsplash. There are many examples of this, including medallions frame-mounted mosaic inserts, as well as other decorative elements.
Another good idea for backsplashes is to use wine bottles and corks. Cut them into pieces using ordinary scissors and then attach them using construction adhesive. It’s a great idea for a weekend. Mirrored backsplashes give an elegant, modern look to the space. The holes are also suitable for hanging kitchen appliances. These are just a few ideas for kitchen backsplashes that you can consider. You will be surprised at the various options available!
Tile with a look of Encaustic
If you’re in search of ideas for kitchen backsplashes that are beautiful and traditional, think about using tiles that are encaustic. This kind used for tiles have been used for more than two centuries and can be found in many historic structures, including Paris’ Notre Dame cathedral. It became popular in The 1940s within coastal regions and is a wonderful choice for a backsplash. The appeal of this type tiles is the fact that you can install it wherever – even outdoors!
Another benefit of using the encaustic tiles for kitchen backsplash is that it ages beautifully. The fading of the hues of orange and red in this kind of tile creates a more authentic look when placed outdoors. The tiles are stunning when placed next to the fireplace. They add a distinctive character to any kitchen and entice guests along with the fire. When you’re done installing the tile, you’ll be pleased with what you’ve done.
If you’re in search of an original backsplash in your kitchen, you should consider 3D tiles. These tiles feature playful layers of dimension and suggest cubes floating in space. Dimensional tile may not be for all, but it can add visual interest and may improve property value. Be aware that dimensional tile may not be straightforward to maintain. Consider this when choosing your tile. Here are some ways to keep your kitchen backsplash looking clean:
You can add a splash of colour with 3-D tiles. It’s an innovative way for you to bring attention to your kitchen backsplash while complementing other elements of decor like floating shelves. The material can change the look of any room quickly. Because of its texture and prominent lines, dimensional tile is able to assist in shaping a design. If you’re not an avid tiler then you may be more comfortable using stone or ceramic. However they’re an ideal way to express your creative side.
If you’re working on a budget one of the most cost-effective methods to upgrade the kitchen backsplash is by using wood slats. Cut wooden slats to suit your space and apply them with construction adhesive. You can stain or paint the wood or put glass over it to create an oven. Whichever material you choose ensure that it’s water-resistant. And don’t forget to make sure that the slats of wood are water-resistant.
A wood-based backsplash can give an elegant and soothing effect. It can also be combined with contemporary colours. Grey cabinets and islands create a contemporary style, and the backsplash made of wood is an excellent combination. It makes a statement and creates a cozy ambiance for any home. If you’re nervous about making the decision to go with the traditional wood-style backsplash Don’t fret, it’s possible to choose a dark shade.
For a stylish and eye-catching appearance, consider adding a mirror backsplash to your kitchen. This distinctive design feature can add a touch of elegance to your kitchen, while creating the illusion of more space. The best place to put the mirror is contingent on your style and preferences. Glass windows can be an ideal option. Or, a glass pane could be a suitable option because it opens up the kitchen and lets the outside in. Mirrors that are gold-colored are a great alternative. They go well with the x-shaped wine racks and cabinets with blue in the kitchen.
The popularity of mirror tiles is on the rise and the possibilities for a unique kitchen backsplash are limitless. But, it’s important to remember that there are several factors to think about before buying a mirror-like backsplash. Before you decide to install a mirrored backsplash, consider the size of your kitchen, and how much light it receives, as well in the location of any utensils and appliances in the room. It’s also important to keep in mind there are a few mirrors that don’t have reflective backs. A window mirror, on the other hand, can serve as the same thing as a mirror for your kitchen backsplash. Another advantage is that it is easily cleaned in addition to being a bonus.


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Glance along the second row of suited England players and staff on their official World Cup squad photograph and the focus is drawn to an unfamiliar face at the end of the line. Allan Russell, once a journeyman striker at clubs from St Mirren to Macclesfield, stands next to Nick Pope and behind Trent Alexander-Arnold, a Scot with the Three Lions badge on his breast pocket.
England’s travelling party to Russia is 58 strong, but it is a measure of the esteem in which Gareth Southgate holds the 37-year-old that he joins the assistant manager, Steve Holland, and the goalkeeping coach, Martyn Margetson, in making the cut for the team picture. Russell is a specialist attacking coach, the self-styled “superior striker”, who has been involved in the set-up for around a year having previously focused his efforts on individual forwards up and down the leagues, or with clubs on an ad-hoc basis. Those included Chelsea, who had Holland on their staff at the time.
Russell worked with players such as Andre Gray, Benik Afobe, Alexander Mitrovic and Saido Berahino before linking up with England, with his task now to improve a record which has seen the team score 27 goals in Southgate’s 18 games. The Glaswegian had a nomadic career that took in spells, not all prolific, at five Scottish clubs and three in England’s lower leagues.
His playing days ended with a stint in the US, where positional specialist coaches are more commonplace in most sports, at Carolina RailHawks and Orange County Blues. “In my career I felt there was never enough detail on how strikers should be trained and coached,” said the coach, who has a Uefa A licence. “When I was in America I looked at the NFL and the detail that goes into getting an extra 1% out of these guys is incredible.
“I took aspects of that into what I am doing now. I could never understand why, as a striker, they are not given specific training which allows them to work on their movement, awareness, timing of the runs and execution of the finish.”
Russell was prominently involved in England’s first session at the Spartak Zelenogorsk Stadium, and will hope to work again with Marcus Rashford on Thursday when the Manchester United forward is expected to return from a knock to a knee, sustained before the team’s departure for Russia.
Eric Dier, who trained with heavy strapping to his left thigh, has said he is not carrying an injury and is fit.

domain: news


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The mother of sixteen-year-old Faye Jones, who has been missing for three days in a Turkish holiday resort, said she was beginning to fear for her safety.
Speaking to ITV News Tyne Tees from Turkey, Rhonda Jones said she accepted her daughter had run away of her own free will, probably with a local barman, but said she did not know what would happen if Faye started to panic.
Listen to Rhonda's interview below.
More top news
Jake Berry toured the New Wear Crossing and had a briefing with senior councillors, officials and construction workers.
The proprietor of a pub in Gristhorpe has been fined £600 for serious breaches of food hygiene regulations.
The Black Cats defender will make his return from injury against in the Cumbrians on Tuesday night in the Carabao Cup.


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|Grafton to Camp Allegheny Tour / 041Philippi
Photo by Linda Walcroft
Philippi seen from across the Tygart River
Col. Benjamin F. Kelley
Kelley, a railroad agent in Philadelphia and former resident of Wheeling, was called back to command the First Virginia (Union) Infantry - the first Union regiment raised in the South. He planned and led the attack on Philippi. Severely wounded there, he recovered and was awarded a Brigadier General's Star.
Maj. Gen. George B. McClellan, Commanding, US Army, Department of the Ohio
Maj. General Thomas A. Morris, Commanding, US Army, Western Virginia.
[right hand side]
Col. George A. Porterfield
Porterfield was from Jefferson County (West) Virginia. He was an 1844 graduate of Virginia Military Institute and a veteran of the Mexican War. On May 4, Gen. Lee made him commander in the Northwest. Chased out of Philippi by the Federals on June 3, he retreated to Huttonsville. On June 8, Lee replaced him with Brig. Gen. Robert S. Garnett. A board of inquiry reprimanded him for not defending Philippi, but noted his skillful and orderly retreat.
Maj. Gen. Robert E. Lee, Commanding, Virginia Militia
Col. George A. Porterfield, Commanding, Virginia Militia, Northwestern Virginia

domain: library


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(Zea mays) 25 seeds per pack. One of the few black corn varieties, the Black Aztec traces back to the 1800's. Bears beautiful, slender ears to 8" with dark black kernels. A perfect corn for roasting and making corn meal. #1139
Open pollinated. 75-85 days.

domain: food


AM7200/95 is a high power mid-high frequency loudspeaker system comprised of one 200 mm (8 in) CMCD Cone Midrange Compression Driver and one 38 mm (1.5 in) exit/75 mm (3 in) voice-coil HF compression driver. The multi-band PT Progressive Transition mid-high frequency waveguide provides well-controlled 90 by 50 coverage and is rotatable for cabinet positioning in either horizontal or vertical orientation. High-slope crossovers minimize band overlap and well-controlled off-axis response enhances arrayability. The cabinet is fitted with M10 threaded suspension points. Preengineered array bracketry is available. AM7200/95 is part of JBL's AE Application Engineered Series, a versatile family of loudspeakers for a wide variety of fixed installation applications.
- 90 x 50 Coverage, rotatable for use in either vertical or horizontal orientation.
- CMCD Cone Midrange Compression Driver provides low midrange distortion, increased sensitivity, extended bandwidth and improved phase coherency.
- 2432H High-Frequency Compression Driver
- PT Progressive Transition Waveguide for excellent pattern control with low distortion.
- Bi-Amp/Passive Switchable.
- Optional planar array frame kits for a number of array configurations (see AE Series Array Guide).
- Frequency Range (-10 dB): 260 Hz - 20 kHz
- Frequency Response (+/-3 dB): 330 Hz - 18 kHz
- Coverage Pattern: 90x 50, rotatable waveguide
- Directivity Factor (Q): 11
- Directivity Index (DI): 10.5 dB
- Crossover Modes: Bi-amp/Passive switchable
- Crossover Frequency: 2.2 kHz
- Transducer Power Rating (AES): MF: 350 W (1400 W peak), 2 hrs
- HF: 100 W (400 W p


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- Your Voice
Tucson is home to a wide variety of musicians, but no other band seems to offer a brand of metal quite as unique or extreme as Chaos Ascending. Rooted in the subgenre of Norwegian Black Metal, Tucson natives Chaos Ascending bring a chilling musical style to the table. They follow in the footsteps of pioneering acts Mayhem and Emperor, but with an added American twist. The group has taken everything into consideration, not a detail left unnoticed, which has resulted in an impressive musical performance which fully utilizes their stage presence. Every time the band approaches the stage, it's like they're going to war, and the war paint and wardrobe worn by the group only adds to the dynamic of the music. This was shown Friday evening, as the group of six approached the stage in response to the awaiting crowd.


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The decision by Government of India to demonetize Rs. 500 and Rs. 1000 currency notes, that constitute a whopping 86% of the cash flow, is a disruptive move in a mostly cash-based Indian economy. Thankfully, the technology to fill the void created by cashless economy not just exists, but thrives in the Indian ecosystem. Indeed, India is now the second largest smartphone market with a solid mobile-device penetration too.
Banks should use this opportunity to aggressively embrace digital transformation of its systems and enable the nation to move towards digital transactions. But this disruptive development must be addressed by disruptive innovation and accelerated transformation. A phased and incremental approach is ill-suited to cope up with a change as enormous as this, and requires rapid, coordinated efforts on a war-footing.
Let us make an attempt to situate banks among the various stages of digital transformation journey:
- Bespoke Stage
Given the popularity of digital experience among customers, some aspects of the customer-facing activities are digitized. For example, most banks have adopted a paperless origination process for customers and internet-enabled payments are commonplace. However, many aspects of the back-end operations are still not digitized to the extent needed. Each department is given a free rein to develop digital initiatives within the preset framework.
- Integration Stage
By this stage, there are a considerable number of digital initiatives by various departments and it becomes tedious and cost-heavy to cater to each of them individually. Therefore, a more coordinated approach is initiated for collective bargaining edge. The internal consolidation brings cost-optimization and systemization of various processes. The simplification of the procedural formalities and technical processes offers value-addition to customer.
- Synergy Stage:
At this point, digitization has been infused into the banking systems to such an extent that it demands for a centralized planning. Digital becomes a rightful heavyweight of its own accord, and necessitates driving the digital vision across all levels of the organization. Therefore, a central body that coordinates and regulates the several integrated units becomes necessary. This central body can be tasked with realigning and harmonizing the various units to create synergic value for the entire organization.
- Full-fledged Digital Enterprise
This is the end-goal of all digital efforts, where there will be no effort that is unaligned to digital vision. This calls for rapid transformation of the entire range of processes, besides digitizing the legacy paperwork in requisite format. While there some pure-digital financial service providers like digital wallets, the fact remains that most companies have used digital as only as a technology-enabled necessity, not a strategy-driven vision. The digital must permeate the systems of banks, which must be prepared to shoulder the full breadth of responsibilities that is expected of traditional banks while simultaneously offering niche services that new-age customers have got accustomed to.
All banks would be in some stage of their digital journey as listed above. However, keeping in mind the skyrocketing demand for digital banking experiences, banks do not have the luxury of making incremental progress towards digital transformation. They need to be agile in implementation and take a quantum leap.
Even as the banks embrace digital initiatives, there needs to be a holistic marketing strategy to attract customers and retain them. Often, banks are able to fortify their digital resilience but falter in positioning their services to yield maximum impact. This aspect should not be overlooked, for as important as digital capabilities are, the benefits and advantages of using a bank’s digital service should be properly communicated. There needs to be a paradigm shift in communication strategy, with emphasis on differentiated services.
Below-mentioned initiatives need to be considered by banks to foray into digital.
- Develop their Digital Brand
Many banks are under the false impression that the bank’s brand is sufficient to navigate customer loyalty to their digital services too. While the bank’s image is definitely carried on by its digital extension, this is clearly inadequate because of the inertia inherent while adopting new technology and prevailing reservations regarding the security. Hence, the digital strategy must encompass ways to promote the unique and distinguished value of their digital services. Traditional banks are under fire from pure-players, so brand equity is their primary armor and arsenal to compete with them.
- Enrich the Digital Experience
Rather than being a reluctant adapter, banks must be a proactive adopter of digital technologies and infuse them in their systems. Remember, in the digital world, the rise is rapid, the fall drastic. The lifespan of many Forbes 500 companies is fast reducing, and so is their tenure. Banks must invest in embracing technologies and put them to rapid use, to create a distinct first-mover advantage. The cutting-edge use of Internet-of-things (IoT) might be the next frontier of financial technologies.
- Expand Digital Portfolio
Apart from digitizing the traditional banking facilities, there must be a concerted effort to develop new capabilities and services in wake of new disruptions. For example, the demonetization compelled banks to adopt Unified Payment Interface (UPI) platform, and surpassing expectations it has quickly become a widely used payment provision. It is inter-operable across banks, and enables payments without sharing the payee and payer bank account details. Also, provisions for digital wallet can be incorporated, enabling faster transactions among those in business.
Finances touch the daily life of people, and therefore, digital capabilities must be accorded the highest priority. Indeed, in wake of demonetization the demand for Point of Sale (PoS) machines has spiraled up. However, there are many small businesses that cannot afford a PoS machine instantly. That’s not necessary either. Thankfully, we live in an era of widespread smartphone use, and this is the opportune time to collectively jump the digital bandwagon. Given that most customers use smartphones, a more integrated, secure mobile-enabled payment solution will boost the digital transformation of the smaller businesses as well.
It was reported that even many bank employees themselves did not avail their digital services because cash-based economy was what Indians were used to for a very long time. Indeed, due to the unique conditions in African continent, Kenya leads the world in mobile money. Thanks to the radical improvements in digital capabilities and security at a rapid pace, we may enter the phase of minimum cash economy or, who knows, even cashless economy.

domain: finance


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The Roma Messenger Bag comes in Brown calf-skin, Black calf-skin, and linen canvas with brown leather trim. The interior is big enough to hold a laptop, files, magazines, and a newspaper. It has two separate compartments lined with matching suede leather. The front flap buckles over an outside zip pocket and a cell phone and pen holder. The back has an additional large zip pocket for holding maps and documents.
Roma Messenger is handmade in Tuscany using Italian polished calf-skin leather and old world craft methods. The result is a timeless and simple briefcase with unquestionable quality and durability
Roma Messenger Bag Features:
10" high x 3" wide x 15.5" long
Italian Polished Calf-Skin Leather
Brass and Stainless Steel Hardware
2 Separate Compartments
2 Large Outside Zip Pockets
Pen and Cell Phone Holder
Detachable Shoulder Strap
Fits laptops up to 17"


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We spent many hours on research to finding victory pizza prep table, reading product features, product specifications for this guide. For those of you who wish to the best victory pizza prep table, you should not miss this article. victory pizza prep table coming in a variety of types but also different price range. The following is the top 10 victory pizza prep table by our suggestions
686 reviews analysed
1. Commercial Stainless Steel Work & Prep Table 24 x 30 Inches, Adjustable Heavy Duty Table with Galvanized Legs and Undershelf for Kitchen and Restaurant
- Adjustable Table & Comfortable Work** Adjustable galvanized steel undershelf and 4 steel legs, you can freely change the height of each metal work table foot to suit your demands. Adjustable feet with non-slip mat provide more stability. Easy to assemble by instructions
- Multiple Application** just settle it in your kitchen, garage, workshop, bar, restaurant, laundry, school, hospital, warehouse or any other commercial setting, can be regarded as perfect repair or workbench
- Large & Practical Storage**2 layers: 400 lb. top shelf weight capacity
- 300 lb. undershelf weight capacity, dimension 24 x 30 inches, offer you enough storage room for microwave oven, kitchen utensils or any other tools
- Durable and Safe Material**NSF certification offers you better health protection. 18-gauge type 430 stainless steel and polished surface offer greater rust and corrosion resistance. Using rag or paper you can easily clean it quickly
- Customer Guarantee**24 hours reply, 30 days refund. Never worry about the quality of our products. We always pay the most attention to your experience
2. Cuisinart CFGS-222 Take Along Grill Stand
- Folds flat quickly and includes carrying handle for easy transport
- Two flip up side tables! The side tables together have 6 cup holders and 8 tool hooks. Perfect for entertaining!
- The storage shelf is a perfect spot to keep your cooler nearby and yet, out of the way! It holds up to 35 lbs.
- No tools required for set up! Unfolds in seconds!
Cuisinart Take Along Grill Stand
3. Checkered Chef Pizza Cutting Board – Round 13.5inch Wooden Chopping Board With 8 Grooves To Slice And Portion Your Pizza – Reversible Round Cutting Board – Cheese Board
- No more arguments about who got the biggest slice! Follow the guides on the board to get 8 identical pieces.
- Versatile, double sided board. For perfect pizza slices use the large, 13.5 inch cutting surface with pre-cut grooves to guide your pizza cutter. Or, flip the board over for a smooth, flat, 13 inch surface, perfect for a cheese board.
- No more scratching up your metal pans and pizza trays, simply transfer your pizza to the board before you cut. The grooves in the board guide your pizza cutter for perfect, even slices and the wooden surface is kind to your knives and pizza cutters.
- Much easier than cutting in the pan, the Checkered Chef Pizza Cutting Board doubles as a serving platter, making pizza cutting and serving a pleasure.
- Safely protected during transit by box packaging, this cutting board would make an excellent gift for any home cooks or pizza lovers.
The Secret To Perfect Pizza Slices Is Here!
Don’t cut your pizza without it!
More than just a pizza board – the reversible design of the Checkered Chef Pizza Cutting Board gives you two boards in one. One side has the pre-cut grooves to guide your pizza cutter giving you 8 even slices – no more arguing over who gets the biggest slice! Flip the board over and you’ve got a smooth, flat cutting surface. Use the flat side just like any other round cutting board – cut your pizza freestyle, cut bread, fruits, vegetables, or use it as a large cheese board.
Much easier than cutting in the pan. Simply transfer your pizza to the cutting board before you cut, the wooden surface is kind to your knives and pizza cutters keeping them sharper for longer and there’ll be no more scratches on your pans! Crafted from sustainable rubberwood, simply hand wash or wipe clean after each use – not suitable for use in the dishwasher.
So, if you’re ready to cut the perfect pizza, or in need of a gift for a pizza lover, grab one of these boards today by clicking the “Add To Cart” tab above.
4. DuraSteel Stainless Steel Work Table 24" x 36" x 34" Height – Food Prep Commercial Grade Worktable – NSF Certified – Fits for use in Restaurant, Business, Warehouse, Home, Kitchen, Garage
- STURDY DESIGN FOR TOUGH TASK – Premium commercial 18 Gauge stainless steel and galvanized under shelf have extraordinary anti-corrosion abilities, which makes it stand more than 20 years. Strong legs support up to 300 lbs.
- FLEXIBILITY FITS ALL YOUR NEEDS – Adjustable undershelf allows you arrange the storage space and adjustable plastic bullet feet not only keep the balance of the worktable but also prevent the floor being scratched. Also, you may choose to assemble the wheels according to your needs.
- ASSEMBLE & INSTALL WITH NO EFFORT – No additional accessories needed. Everything you need is included.
- SUPERIOR POLISHED SURFACE – This item has been approved to be extremely easy to clean and NSF approved as commercial use. It contains both quality looking and outstanding anti-rust feature.
- MULTIPLE SIZE PROVIDED – The worktable comes with 17 different sizes to match your varied needs.
The reason of choosing DuraSteel Stainless Worktable
DuraSteel Stainless Worktable is NSF approved for commercial use and made with 18 gauge stainless steel to largely reduce the possibility of deformation.
The adjustable height allows multi usage in various situations.Tables also feature a galvanized under shelving providing more space to keep all your kitchen necessities, and additional support for the table legs for maximum sturdiness.
The legs support up to 300 lbs of weight and are strong enough to not wobble around.
The superior polished surface makes it easy to clean and largely reduce the chance of corrosion.
Where does it serve the purpose?
Carefully chosen 17 options of size to fit for different usage and at various location such as
• Laundry room
• Table Top: 24“ x36“
• Hight: 34“
• Undershelf: 16.9“ x 28.8“
• Material: Stainless steel tabletop, galvanized undershelf
*Surface imperfections such as scratches or scuffs may be found on the product. This is absolutely normal based on the fact that the product is designed and used in a commercial environment *
If you have any concern about the product packaging or problem with product damages, please don’t hesitate to contact us via order page or ask a question via seller page. We will try our best to answer your questions in order to provide quality service and great purchasing experience.
5. Premium Natural Bamboo Pizza Peel, Pizza Spatula Paddle Cutting Board Handle (Baking Pizza, Bread, Cutting Fruit, Vegetables, Cheese)
- NON-TOXIC, ECO-FRIENDLY, FULLY CERTIFIED: Our premium quality pizza paddle is completely safe and non-toxic. It is certified with all required certifications, including FSC, BSCI, LFGB, FDA.
- MULTI-PURPOSE FUNCTIONALITY: Our premium bamboo wooden pizza peel and cutting board is versatile. In addition to helping get your pizzas in and out of the oven, it serves as a beautiful cutting board or chopping block for your pizza, fruits, or vegetable.
- EASY GRIP HANDLE: Contoured handle is beveled for comfortable,and easy griipping. Beveled edge slips easily under pizza ,breads or other baked goods crust, 100% ALL NATURAL premium natural bamboo pizza peel
- PERFECT SIZE: LERMX pizza peel is the perfect size and length for your home kitchen. At approximately 1/2″ thick, 12″ width and 17 ” length
- PREMIUM SERVICE: LERMX comes with 180-DAY worry-free warranty (REPLACEMENT or FULL REFUND include shipping fee) and lifetime nice customer service
- If you are looking for the best pizza peel, LERMX gets something you want.
6. Rockpoint Carmona Tall NSF Stainless-Steel Kitchen Work Table with Adjustable Shelf, 30 x 23 Inch
- Tall heavy-duty table for food prep and storage
- ideal for a kitchen, bar, restaurant, school, or other commercial space
- Made of 18-gauge #430 stainless steel for high-volume lifetime use
- NSF certified (material and design meet strict food-safety standards)
- Adjustable-height stainless-steel bottom shelf for customized storage space
- Rounded front and back edges for comfort when working
- adjustable-height non-marring feet for stability and floor protection
- Measures 30 by 23 by 34.5 inches (LxWxH)
- assembles quickly and easily (instructions and hardware included)
7. Pizza Oven Toy Play Set – Pretend Play Wood Cooking Set for Kids with Play Food, Kitchen Accessories and Toy Dishes – Playset Toys for Toddler Girls and Boys 2 3 4 5 Year Old
- COMPLETE PRETEND PIZZA SET – The La-la-llama toy pizza oven playset includes an oven, 4-piece pizza base, 8 types of topping and 3 condiments, as well as cooking, cutting and serving utensils.
- GET READY FOR A PIZZA PARTY – Let your little chef prepare, cook and serve a complete meal with the La-la-llama toy pizza oven play set – the set works well alone or with other play kitchen accessories.
- HIGH QUALITY WOODEN TOY – Made from premium wood and fabric pieces, this play food set is intended for ages 3+ and meets or exceeds all relevant safety and quality standards.
- ENCOURAGES CHILD DEVELOPMENT – Pretend play with these open-ended cooking toys promotes fine motor skills, creativity, social play, and develops independence by allowing preschool children to mimic actual food preparation.
- PERFECT GIFT FOR TODDLERS – Beautifully packaged in a gift box, this pizza making set will be a hit with toddler girls, elementary school boys and everyone in between.
- DESIGNED BY PARENTS – La-la-llama designers want the same things you do in a toy, which is why this Montessori-inspired pretend food set is durable, safe and easy to tidy away after play is done.
The set includes a pizza oven, 4-piece pizza base, 8 types of toppings, rolling pin, pizza peel, rolling pizza cutter, flour bag, and 3 condiments (red pepper flakes, Parmesan cheese, olive oil). The detail in the set means that kids can enjoy the whole process of cooking and serving pretend food, from rolling out the dough to choosing their favorite toppings (included: pepperoni, onions, tomatoes, mushrooms, olives, ham, pineapple, bell peppers).
Designed by parents, La-la-llama learning toys are tried and tested to ensure that they meet very high standards – both in terms of materials and playability. With multiple ways to use this wooden play set, it encourages fine motor skills, creativity, imagination, social skills, independence and more. Like all La-la-llama products, this pizza oven playset meets all relevant safety standards, including those set by the American Society for Testing and Materials (ASTM).
Installing a pretend pizza oven and setting out your ingredients is quick and easy – all you need to do is tip the bag on the floor, right? Inspired by the Montessori ideal of teaching kids to be responsible for their own play area, the set is designed to be easy to put away and carry around by even younger kids. A cotton bag is included for storage of the smaller items as well as for children to practice tidy up. Pretend pizza parties are a great way to start a conversation about food with fussy eaters as well, and many kids enjoy eating more after developing their skills in their own play kitchen.
The designers and experts behind the La-la-llama educational toys know what real kids actually want and play with because they’re parents themselves. The brand’s founding principle is to make learning and play fun for everyone. While kids will love the bright colors, familiar ingredients and realistic tools, parents will appreciate the high quality, natural materials, built-in educational opportunities and easy-to-tidy up philosophy.
8. Blackstone 36″ Griddle Surround Table Accessory
- For use with the Blackstone 36″ Griddle Cooking Station, this Blackstone Surround Table adds approximately 1227 sq. inches to your shelf space
- Open design, allows for guest & cook interaction and the grill table accessory can also act as a wind guard while cooking
- Fast, easy assembly & slim design for storage – the table is collapsible to fit with griddle under Blackstone’s current 36″ Griddle Cover
- Counter top is powder coated steel for easy cleaning and the existing griddle side shelves are still usable under Surround Table
- Dimensions: 12″ Deep all the way around, 32″ Long on left and right sides, with the overall width being 64’’
The Blackstone 36″ Griddle Surround Table accessory will expand the possibilities for your Blackstone 36″ Griddle Cooking Station. The surround table attaches to your griddle base quickly and easily to provide you approximately 1227 sq. inches more to your shelf space. You will love this addition to your favorite piece of outdoor cooking equipment. It is a great place for your cooking preparation, a great place to set your drink, and most importantly a great place for your friends to set their drinks while they ogle over your amazing Blackstone outdoor griddle.(Grill Not Included)
9. Bayou Classic 4873 Stainless Steel Serving Cart
Bayou Classic Stainless Serving Cart brings style and ease to parties by holding all entertaining essentials. The clean, understated design combines versatile beauty and durability. The two shelves can hold beverage buckets, garnish trays, ice buckets, glasses, bottles, mixers and pretty much anything else you can stuff on it. The cart features all stainless steel construction with swivel casters and two that lock. The large shelve measure in at 35 Inch long, 19.5 Inch wide and 4 Inch deep and it has push/pull handles at either side of the cart. The Bayou Classic Serving Cart is easily positioned from kitchen to patio for any party occasion. From casual to elegant entertaining, Bayou Classic understands the importance of presentation.
10. IQ Toys Pretend Play 19 Piece Pizza Set, Complete Pizza Party Cutting & Serving Playset
- Set Includes: A full Pizza Pie (6 Slices), Pizza Stone, 2 French Fries, 1 Ketchup, 1 Mustard, Pizza Cutter, Pizza Turner, 2 Plates, 2 Forks and 2 Knives
- Pizza Slices attach with Velcro and Make a Realistic Cutting Sound Children will love
- This Pizza Set is Perfect for Little Pizza Lovers who Love Pretending! Makes an Awesome Pizza Party! Watch them Playing for Hours!
- French Fries come with Adorable Little French Fry Holders
- Ideal for Kids Ages 3+. Safety tested and safe according to all American Standards
This Pizza Set is So much fun For kids! Children will be busy playing for hours as they set up Pizza parties . Great Gift for Children of All Ages!
By our suggestions above, we hope that you can found Victory Pizza Prep Table for you.Please don’t forget to share your experience by comment in this post. Thank you!


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Snap's camera-equipped Spectacles have made their way across the pond. The creators of the famous ephemeral messaging app are bringing their first hardware product to Europe through their bright yellow vending machines called Snapbots. According to Wired, you'll find the first European Snapbot at the London Eye, where it's already dispensing Spectacles for £130.
Snap plans to deploy more vending machines in the city over the summer, but if you want to get a pair now, you may want to keep an eye on the company's social media accounts. It typically moves its vending machines to other locations after a day, so the one at the Eye won't be there for long.
London won't be the only European city where you can get a pair of Spectacles, though: the company plans to place Snapbots in Paris, Berlin, Barcelona and Venice in the near future, as well. However, if you can't bothered to hunt one down, you can always go the device's official website, change your country of origin and buy a pair online.


LeechLight™ – The Hands-Free Work Light!
- Low 120 lm / 6 hours, High 320 lm / 2 hours
- Rechargeable, incl. USB-C cable
- One switch button to control both heads.
- Two heads can be adjusted & locked independently for wider angle lighting
- Charging indicator, battery level indicator
- Low-voltage Warning <10% : Red Blinking
- Charging time: 2.5 hours
- CE, RoHS, IP20, IK07
The versatile and easy-to-use LeechLight™ offers a brilliant white that lets you easily see your work. The flexible body features two levels of lighting with up to 320 lumens of light available and long run times. Light heads are independently adjustable to allow exact placement of the flood-style beams. USB rechargeable.
Delivers via UPS ground from Maxxeon Inc's OH international warehouse.


The GI Bill is one of the best benefits of military service. The Post-9/11 GI Bill, Montgomery GI Bill, and dependent GI Bill programs help service members, veterans and families reach their educational goals.
Here’s how you can make the most of those educational benefits.
GI Bill Programs
The GI Bill includes several programs that can help you or your dependents pay for tuition, job training and other approved training.
The Post-9/11 GI Bill will cover your full tuition, school fees, housing and books and supplies. This benefit can also be transferred to family members.
The Montgomery GI Bill helps service members and veterans with education and training costs with a monthly benefit payment.
The Montgomery GI Bill Selected Reserve (MGIB-SR) is available for Military Reserve and National Guard service members.
Another part of the GI Bill, Veterans Readiness and Employment (VR&E), helps disabled veterans with counseling services, training, education and job placement.
GI Bill Programs for Dependents
GI Bill programs for dependents are available for dependents of disabled veterans and for survivors of service members who died in the line of duty.
- Dependent GI Bill: Provides education and training benefits to eligible dependents.
- Fry Scholarship: Pays full tuition to state colleges and universities for surviving spouses and eligible children of deceased service members.
GI Bill Eligibility
For the Post-9/11 GI Bill, you may be eligible if you served a minimum of 90 days on active duty after Sept. 10, 2001. This covers active duty served as a member of the Armed Forces or as a result of a call or order to active duty from a reserve component (National Guard or reserve) under certain sections of Title 10 of the U.S. Code.
For Montgomery programs, you may be eligible for benefits under if:
- For the Montgomery GI Bill Active Duty, if you served at least two years on active duty; you were honorably discharged; you have a high school diploma, GED, or 12 hours of college credit; and you meet the other Montgomery GI Bill requirements.
- For the Montgomery GI Bill Selected Reserve, you’re a member of the Army, Navy, Air Force, Marine Corps or Coast Guard Reserves, Army National Guard, or Air National Guard; you have either a six-year service obligation in the Selected Service or you’re an officer in the Selected Reserve who agreed to serve six years in addition to your initial service obligation; and you meet the other Montgomery GI Bill Selected Reserve requirements.
What Will You Get with the GI Bill?
You get 36 months of full-time GI Bill benefits and have no time limit on when you need to use them. If you left the military before Jan. 1, 2013, your benefits expire 15 years from your discharge (if using the Post-9/11 GI Bill). If you are using the Montgomery GI Bill you have 10 years to use your benefits.
What Veterans Get with the GI Bill
If you are a veteran and have an honorable discharge, the Post-9/11 GI Bill will pay your full tuition if you are attending a public school as a state resident; an annual maximum amount to the school if you are attending a private school; a housing allowance; and up to $1,000 a year for books and supplies.
Under the Montgomery GI Bill, you can receive a monthly payment that varies depending on how many classes you take.
What Active Duty Service Members Get with the GI Bill
If you are active duty, you can begin using your benefit after two years of service, although it may be more beneficial to you to wait until you are a veteran, because you generally can expect to get more money then.
If you are using the Montgomery GI Bill, you can get reimbursed only for the actual cost of your classes or the legally determined maximum monthly rate, whichever is less. Considering this, it makes sense to use your GI Bill during active duty only if your tuition costs are very high or you use your “GI Bill Top-up” benefit.
How to Apply for GI Bill Benefits
1. Apply to a school that’s approved for VA benefits. Find schools, employers and testing organizations with the VA School Comparison Tool. For more information, read about how to apply for the GI Bill with the VA.
If you’re active duty, you may need approval from your chain-of-command or Education Service Officer (ESO). If you are a veteran, you may need to provide a copy of your DD214.
2. Certificate of Eligibility. If the VA determines you are eligible for the GI Bill, you’ll receive a COE that you will then give to the school. After the school enrolls you, the next step is to send your enrollment information to the VA. For more information, read about how to download your VA education letter.
3. Attend classes. Start attending classes and use your GI Bill benefits.
What Can the GI Bill Be Used For?
Is the GI Bill just for college? Not anymore. Your GI Bill can be used for many types of education and training.
Types of Training Available With the GI Bill
- College Degree Programs: GI Bill benefits are available for courses at four year universities, community colleges and advanced degree programs.
- Vocational and Technical Training: The VA refers to this type of education as non-college-degree training.
- Apprenticeship and On-the-Job Training: Looking to get right to work? The VA will pay you GI Bill benefits while you receive on-the-job training, such as an apprenticeship program.
- Licensing & Certification Reimbursement: Get reimbursed for licensing and certification tests as well as approved preparatory courses.
- National Testing Programs: You can use your GI Bill to pay for nationally approved tests such as the Scholastic Assessment Test (SAT), Law School Admission Test (LSAT), Graduate Record Exam (GRE), Graduate Management Admission Test (GMAT) and several more.
- Flight Training: If you have a private pilot’s license, your GI Bill benefits can be used to pay for further flight training.
- Correspondence Training: Payment amounts are made quarterly after VA receives certification of lessons completed from the school.
- Work-study Programs: Looking to learn from home? The GI Bill can help pay for coursework completed at home. If you’re a full-time or ¾-time student, you can get paid with a VA work-study allowance.
- Tuition Assistance Top-Up: Need to make up the difference between the cost of your education and Military Tuition Assistance? The GI Bill Tuition Assistance Top-Up can be used to cover that cost.
- Tutorial Assistance: If your courses aren’t going as planned, the GI Bill can help pay for tutoring to get you through a difficult course.
Keep Up With Your Education Benefits
Whether you need a guide on how to use your GI Bill, want to take advantage of tuition assistance and scholarships, or get the lowdown on education benefits available for your family, Military.com can help. Subscribe to Military.com to have education tips and benefits updates delivered directly to your inbox.


- Instant glue
- Silicone adhesive series
- MS adhesive series
- Epoxy resin adhesive series
- Anaerobic adhesive series
- UV glue
Epoxy Resin Versus Other Adhesives…
Water-soluble epoxies such as Durcupan are generally used for embedding electron microscope samples in plastic so they may be sectioned with a microtome after which imaged. An epoxy encapsulated hybrid circuit on a printed circuit board. General construction of epoxyphenol novolak with n usually in the range from zero to four.
Click and gather at your nearest Toolstation branch or spend over £25 on-line and obtain free supply. You can use the epoxy resin adhesives to stick supplies like steel, ceramics, stone, glass and inflexible plastic to wood and glass. Two-parts of epoxy resins are adequate for outside use or for joints that need to be waterproof however you have to take further amount of care, as a result of they will show to be poisonous if they’re in powder form. It is at all times advisable to verify the product label as a result of some adhesives won't stick all materials. Adhesives for finger joint lumber and glulam should meet excessive standard requirements because of the rigorous software setting of these supplies .
The compound is present in the form of varied constitutional isomers. The chlorine atom is released as sodium chloride , the hydrogen atom as of water. You ought to wash all resin components with Dawn or any other degreasing detergent to do away with any mold launch.
Also for secondary bonding of laminated composites, steel, aluminum, forged iron, concrete, stone, and most wooden species. Pro-Set adhesives will bond these supplies, to one another in any mixture. Pro-Set Epoxy Adhesives shear thinning resins and hardeners are thixotropic gels. The mixture fills gaps and won't sag on vertical surfaces. The material wets out the substrate, making priming or pre-wetting unnecessary on most surfaces, whereas guaranteeing an excellent bond.
Use the Everbuild tremendous glue remover to debond cured superglue. Epoxy resin is a strong 2 part adhesive and best for a robust bond between wooden, plastic, glass and metallic. Invest in the solvent free Evo-Stik epoxy resin that bonds in 5 minutes or the Everbuild epoxy resin for a clear adhesive. The Everbuild spray contact adhesive is ideal for securing carpets and ground coverings or the Smart Tack spray adhesive has a complicated system to enable slicing or drilling after use. We also inventory glue sticks for glue guns, super glue activator and adhesive kits including the Mitre adhesive equipment with an adhesive and aerosol activator.
View the Toolstation range of basic adhesives, epoxy resins and tremendous glues. Find recognised brands and adhesives you possibly can trust including Gorilla glue, Supa-fix, Unika, EverBuild and Evo-Stick. Browse a wide range of general adhesives for bonding quite a lot of materials including plastic, rubber, metals, ceramics, leather, porcelain, stone, glass and fabrics. Find prompt contact adhesive for immediate stick corresponding to Evo-Stik immediate contact adhesive for wooden, PVC, cork, rubber and stone or Evo-Stick contact adhesive for emergency repairs. For quick drying purposes, strive a fast drying glue similar to Gorilla superglue quick drying glue or Everbuild quick drying glue for a fast set when bonding plastics, metals, glass and PVC.


St Albans district council awarded for councillor support
- Credit: Archant
An award has been presented to St Albans district council for its excellent support given to councillors.
It won the Elected Member Development Charter Award from the East of England Local Government Association, because of the training opportunities and development programmes on offer.
This includes induction courses for new councillors, and specific issue courses for those experienced in local politics – about planning, finance, licencing, and community engagement.
Cllr Frances Leonard, St Albans Mayor, received a framed certificate from Cllr Mandy Perkins, deputy leader of Welwyn Hatfield borough council, before a full council meeting on Wednesday February 22.
An external report recommended the council apply for the highest possible award, Charter Plus status, in the next 18 months.
You may also want to watch:
Councillor Alun Davies, chair of the council’s member development steering group, said: “I am delighted we have earned this award for excellence.
“Local authorities carry out a lot of important, complex and challenging work.”
- 1 Dirty Dancing and The Greatest Showman among St Albans open-air cinema screenings
- 2 Five Guys coming to St Albans
- 3 Area Guide: The vibrant Cathedral city of St Albans
- 4 St Albans becomes the only Cathedral in Britain to house two restored medieval pedestal shrines
- 5 Author explores city's hidden history
- 6 What are the district's best pub gardens to visit from April 12?
- 7 How is your charity shop etiquette?
- 8 Councillors' 'disappointment' at High Court judgement on remote council meetings
- 9 Open-air cinema screenings returning to Harpenden Common this summer
- 10 Why have police failed to prosecute over destruction of Smallford Pits wildlife site?
He said councillors shouldn’t be thrown in the deep end and expected to swim, and it is important they are trained for the role.


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How do you send a take-home message?
- Step 1: Define Your Goal for Communicating.
- Step 2: Determine Your Target Audience. Brainstorming. Prioritizing.
- Understand Your Audience.
- Step 4: Adopt Good Communication Principles. Write for Your Audience. Make It Readable.
- Step 5: Communicate Numbers Effectively. Communicating Statistics.
- Step 6: Provide a Take-Home Message.
What are take-home messages?
The take-home message is the succinct answer to your research question based on your findings and its relevance to the general topic. A clearly presented take-home message will help reviewers to quickly grasp the results of your study and how they pertain to the larger questions in the field.
What is the meaning of take-home?
Definitions of take-home. adjective. (of salary or wages) remaining after all deductions including taxes. Synonyms: net, nett. remaining after all deductions.
What is a take away message?
1 : a conclusion to be made based on presented facts or information : a main point or key message to be learned or understood from something experienced or observed The takeaway is clear: cats are a growing environmental concern because they are driving down some native bird populations …—
What is another word for take home pay?
What is another word for take-home pay?
|net income||net salary|
|net income after deductions||net pay|
|net wages||real wages|
|taxable income||wages after taxes|
What is another name for take home pay answers com?
What is Take home pay is called? Net pay.
What is the best term for take home pay?
Also known as “net pay” or “net income,” take-home pay is calculated by taking an individual’s gross income and subtracting federal income tax, Medicare and Social Security taxes, state and local income taxes, health and dental insurance premiums, retirement contributions, contributions to flexible spending accounts …
What does the net pay mean?
Net pay refers to the amount an employee takes home, not the amount it costs to employ them. Retirement plan contributions, employee benefits, and employer FICA taxes are deducted before an employee receives their net pay.
What is the monthly net income?
Net Monthly Income (NMI) Amount of monthly income remaining after all deductions have been taken. (This amount is sometimes referred to as “take-home” pay.) Net Annual Income (NAI) Amount of income that one has to spend in a. year after all deductions have been taken.
What is the basic pay?
Base pay is the initial salary paid to an employee, not including any benefits, bonuses, or raises. It is the rate of compensation an employee receives in exchange for services. An employee’s base pay can be expressed as an hourly rate, or as a weekly, monthly, or annual salary.
What is difference between net and gross?
For individuals, gross income is the total pay you earn from employers or clients before taxes and other deductions. On the other hand, net income refers to your income after taxes and deductions are taken into account.
Is net with or without VAT?
The net price of a product or service When net price is selected, this means that the price provided in the invoice is the total amount for the units before VAT has been added. It also means that it is the price before any deductions are made, such as CIS, for example.
Is tithe net or gross?
The pre-eminent Scripture on tithing is in Deuteronomy. It says to tithe on your net increase.
Is net with or without tax?
In the financial industry, gross and net are two key terms that refer to before and after the payment of certain expenses. In general, ‘net of’ refers to a value found after expenses have been accounted for. Therefore, the net of tax is simply the amount left after taxes have been subtracted.
Does net cost include tax?
Net price is the value at which a product or service is sold after all taxes and other costs are added and all discounts subtracted. Additional amounts may include charges for added value, royalties, shipping, duty, taxes, service and installation.
What is annual pre tax income?
Pretax earnings is a company’s income after all operating expenses, including interest and depreciation, have been deducted from total sales or revenues, but before income taxes have been subtracted. Also known as pretax income or earnings before tax (EBT).
What is the net amount on an invoice?
Net amount on an invoice is the cost of products or services before sales tax or any other fees like a discount or outstanding balance. The invoice total including tax and other fees is the gross value, according to Bizfluent.
How do you write a net 30 invoice?
A Net 30 payment term means the merchant expects the buyer to make payment in full within 30 days of the invoice date. Other common invoice payment terms are Net 60, 1/10 Net 30 (1/10, n/30) and Due on receipt.
How do I get a net invoice?
Answer: Convert the series of discounts to a single equivalent rate. To do so, we ﬁrst deduct the series of discounts individually from 100% and then multiply the resulting products by themselves to give us the NIP rate. If we multiply the NIP Rate by the list price, we get the net invoice price.
What is the net cost of something?
Net cost is the gross cost of an object, reduced by any benefits gained from owning the object. Examples of net cost are: The gross cost of a machine, minus the margin on all goods produced with that machine. The gross cost of office equipment, minus the salvage value that will be derived from its eventual sale.
What is the difference between list price and net price?
Net price is defined as the actual price the buyer will pay following any discount or promotion. List price is defined as the highest possible price a buyer will pay for a specific product before any discounts.
Is list price and cost price the same?
cost price (also known as sales price). The list price is simply the price that an item is listed to be sold for. A sales price can is simply as what the item actually sells for.
What is the difference between list price and MRP?
The list price is also known as the Manufacturer’s Suggested Retail Price or the MSRP. The MRP is the maximum price at which a product can be sold. We design it in a way that the MRP must be the highest price that a person has to pay for a product.
What’s the list price?
The list price, also known as the manufacturer’s suggested retail price (MSRP), or the recommended retail price (RRP), or the suggested retail price (SRP) of a product is the price at which the manufacturer recommends that the retailer sell the product.
How is MRP decided?
MRP differs from systems using a recommended retail price because in those systems the price calculated by the manufacturer is only a recommendation, not enforceable by law. All retail products in India must be marked with MRP. Shops cannot charge customers over the MRP.
How MRP is calculated?
Maximum Retail Price Calculation Formula= Manufacturing Cost + Packaging/presentation Cost + Profit Margin + CnF margin + Stockist Margin + Retailer Margin + GST + Transportation + Marketing/advertisement expenses + other expenses etc. Then MRP can be fixed according according to above formula.
Is GST above MRP?
GST included in MRP MRP is inclusive of all taxes including GST. It must be noted that retailers cannot charge GST over and above the MRP. GST is already included in the MRP printed on the product.
How do I set MRP for a product?
To price your time, set an hourly rate you want to earn from your business, and then divide that by how many products you can make in that time….1. Add up your variable costs (per product)
|Cost of goods sold||$3.25|
|Total per-product cost||$14.28|
What is net requirements in MRP?
Net Requirements. It refers to the quantity requiring actual logistics after allocating the required quantity of item to inventory and released orders, and is obtained by the calculation of MRP’s Calculating Net Requirements, which are taken over to the lot sizing process.
What is netting in supply chain?
The netting parameters allow you to control the different sources of visible supply and demand when calculating net requirements. You can optionally choose to net WIP, purchases, reservations and subinventories when launching the planning process.