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The past year has proved to be a turbulent one in the financial markets as the US-China trade war took off, Brexit gloom set in, and interest rates rose. But will 2019 be a more positive year for investors? We get the lowdown from investment experts
Moneywise has canvassed movers and shakers in the investment industry, from fund managers to financial planners, to find out how they expect your investments to perform in 2019 and what they think investors can do to prepare. Here's what they have to say.
Volatility will continue
Tony Wise, portfolio manager at Wise Funds, believes that 2018 was not the easiest year for investors to navigate.
He says: "While the era of easy liquidity is coming to an end, adjustments have to take place for investors to take the new reality into account. These periods of transition are rarely smooth.
"When combined with the rise of populism, trade tensions, political risks and concerns about slowing growth, the transition gets even rockier."
Terence Moll, chief strategist at Seven Investment Management, believes that market volatility will continue as a result of these factors.
"The world economy in the year ahead will be rather like it was in 2018," he says.
"Growth will be healthy, interest rates will drift up further, politicians will throw their toys around and markets will be jumpy.
"Almost all of the big financial markets sold off in 2018. Next year should be better and we expect equity markets to drift up overall."
Debt could pose a huge threat
Romain Boscher, global chief investment officer for equities at Fidelity International, says that the biggest threat to equities or shares is debt.
"The 10-year quantitative easing experiment, coupled with a debt-fuelled boom in China, has left the world with a big tab to pay.
"Central banks lowered the cost of debt funding in response to the global financial crisis in 2008, and there's a natural limit to how far and how fast they can normalise it."
Given the sheer amount of debt in the global economy, a full return within a few years to the aggregate global interest rate of the last cycle, around 4.5%, would be unaffordable.
"While the global aggregate interest rate increased from 1.2% to 2.2% over the past two years, it is close to hitting a new top, which we put at around 2.5%. Going further than this would risk triggering a new financial crisis, which is something no central bank is willing to do."
US interest rates and inflation will be a key theme
Ben Lofthouse, manager of Henderson International Income Trust, thinks US interest rates and inflation are a key theme for investors.
"In the US, we've seen interest rates normalising to some extent with low unemployment and signs of inflation in wages certainly impacting companies," he says.
"Currently, other developed markets aren't really seeing this and pricing in inflation, so it makes this area one for the biggest potential change based on where markets sit at the moment."
The US economy remains important for investors
Events in the 'trade war' between China and the US have captivated markets and sent indices fluctuating wildly in 2018. But with a provisional agreement between the two nations in place, both markets are key to the year ahead.
Mr Moll says: "The key question concerns the US, since it sets the tone for the world's financial markets. We think US growth will slowly ease but remain solid for a while yet, with no danger of recession until 2020 at the earliest. US companies are in good shape and US and global earnings growth should remain firm."
Both China and the US markets are key to the year ahead
But David Coombs, fund manager at Rathbone Multi-Asset Portfolio Funds, is still confident of US equities' ability to perform for investors.
"We are keeping tabs on several areas that we feel are most important for the global economy: the strength of the American consumer, the steady deceleration of Chinese growth and the pace of global monetary tightening," he says.
"Most of our time is spent ensuring that the companies we invest in are the best in their field; that they are being managed effectively; and that they have the best opportunities to grow. We are constantly assessing whether the price of these assets is right, and whether we should buy more or take profits. As it goes, we've found this shopping list tends to lead us to US companies."
China is one to watch
But Rick Lacaille, global chief investment officer for State Street Global Advisors, thinks that China is one to watch for 2019.
"China matters most among emerging markets for global investors in 2019. Not only is it an important driver of global growth, it is also increasingly important to global markets as major emerging market equity and debt indices begin to include onshore Chinese securities," he says.
"Moreover, markets are only beginning to digest what a fundamental shift in relations between the US and China might mean for future growth."
Personalised approach to e-commerce
Jenny Tooth, chief executive of the UK Business Angels Association, says: "In regard to what 2019 will entail for consumer investors, the most successful retail and e-commerce businesses are those that can process consumer information, intelligence and sentiment to personalise their offerings and approach. E-commerce businesses will ride out the challenges of Brexit and therefore I believe they will be highly important arenas for investment."
Pessimism over Brexit could persist or feelings can change
Closer to home, Brexit is the political word on everyone's lips. With the outcome of events unclear as the UK moves towards leaving on 29 March, investors are urged to be cautious.
Richard Hunter, head of markets at Interactive Investor (Moneywise's parent company), says: "In the words of one institutional international investor, the UK equity market is currently close to being 'uninvestable', as Brexit concerns – let alone the possibility of a Labour win if a general election was called – weigh heavily on investors.
"In a survey earlier in the year, the FTSE 100 ranked last among investors (and even below cash as an asset class) as a preferred investment destination. As such, not having partaken in the global market rally earlier in the year, the FTSE 100 stands down some 8.5% in the year to date.
"The best advice for investors is to focus on what you can control"
"The relentless surge of pessimism could persist during 2019 as the full ramifications of Brexit become a little clearer."
However, Mr Hunter thinks: "A small change in sentiment toward the UK market could begin a domino effect, and as such, the FTSE 100 could well transform from an investment frog to a prince in 2019, given even the smallest of nudges."
Diversifying is essential
Mike Walker, financial planner at Prest Financial Planning, thinks investors should be careful to diversify.
"Whether investing defensively or for growth, I would also consider spreading my investments geographically and not just relying on the UK markets.
"We can't know what the markets will do next year but a 'no deal' Brexit would clearly have some effect – almost definitely negative – on the stock markets, and quite possibly on UK government bond values too," he says.
"It may sound boring, but in most cases my advice to clients would be 'as you were'. If you are investing for the long term, then you should hold a diversified basket of investments that is suitable to your appetite for, and capacity to take, risk – and this shouldn't change because you think the stock market may be going to rise or fall over a given short-term period.
"If you are investing for long-term growth, the important thing is not to get spooked and sell in a falling market. If you are making regular contributions, for instance to an Isa or a pension, then dips in the market can actually provide a buying opportunity.
"That said, if you are making withdrawals from your capital, you should be invested more defensively. If you're taking money out in a falling market, you will have less money to benefit from any later recovery so you need to minimise your exposure to volatility.
"Defensive assets could include shares that regularly pay strong dividends, which are usually accessed through equity income funds, and corporate bonds."
Keep a calm head
Ray Black, chartered financial planner and managing director of Money Minder, says reacting emotionally is dangerous for investors.
"Keeping a calm head and not reacting emotionally to losses is more important than ever. A wise investor will not let their emotions rule their investment decisions. None of us like losses and we all hate to see our money going down in value, especially if we have worked hard to save it in the first place. Remember that what goes down in value is cheaper to buy than it was before and losses are only secured when you sell," he advises.
Dan Brocklebank, director UK, Orbis Investments, says investors shouldn't get too bogged down in trying to guess what will happen.
"The good news is that you don't need to be able to forecast to be successful at investing. As in life, the best advice for investors is to focus on what you can control, and adopt healthy behaviours," he says.
"That means things like keeping a long-term focus, avoiding over-trading, and pound-cost averaging [investing regularly to smooth out highs and lows]. Above all, avoid getting caught up in speculative manias – the best investments are almost never the ones everyone is talking about."


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Well, it's time once more for another journey homeward, a trip that if it goes as scheduled, will see us traverse a 36 hour day.
Literally — the flight leaves at about 6am from Bangalore, connects through London, and ends at San Francisco. On the clock, it'll be around 4pm when we hit the ground, but actual flight time is 24 hours. (Of course, we reverse this on the way back east, leaving on one day, arriving three later, with a sun-loss of that same half-day.)
We love India…but we also miss our other home, back in the States. It was about this same time last year that we went back for about a month; this year, we're going to stay 7 weeks. And instead of sticking almost entirely to one place, we'll be wandering a bit more. A little time in Sunnyvale with some friends, then off to Albuquerque to visit family and other friends, then back to our favorite medium-term lodging place, Fern River Resort in Felton, CA. Then back to Sunnyvale, and finally back once more to India to continue our extended education in spirituality, meditation, and Indian culture (both ancient and modern).
Had anyone suggested three years ago (Oct '05), that I would spend the bulk of my time between then and now in India, studying at an ashram, I'd have said they were nuts. Sure, I'd always wanted to travel, see the world, experience new things — but for most of my adult life, stuff always got in the way. When I had time, I had no money. When I had money, I had no time. I'll also admit to a certain timidness, worried that I wouldn't know how to handle myself in strange new places.
So far, we've done all right though. Made a few mistakes; made more than enough friends to outweigh the lapses. For instance, the hotel staff at the Ballal Residency Hotel where we're staying right now (in transit) calls us "family", and not only ask after our health and well-being, they really take care.
Still, when you're away from what you know, your home culture, for long enough, you begin to crave things. I want to be able to drive myself places (no way could I handle a car here — they drive like crazy people). To go walking deep in forests, alone. To eat familiar foods (for instance, I have a huge craving for a cheese omlette, maybe with tomatoes and/or mushrooms…Rocky's Diner, here I come).
Today, we've been taking it relatively easy. Taking care of a few loose ends, such as getting luggage tags & straps. On a lark, we also bought a dozen premium donuts to bring back for the Ballal hotel reception staff, just to say thanks. (They've already helped us out in so many ways, the most recent of which being to get prints-outs of our BA boarding passes.)
This time tomorrow, we'll be somewhere in the vicinity of London, approaching it, I think. A half an experienced day after that, we'll be touching down in America. Even though we were last there in November of last year, it's still going to feel strange, I'm sure.

subset: commoncrawl


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Business plan template for your buy to let property(ies)
- Briana Watts
- 4 years ago
- Views:
1 Business plan template for your buy to let property(ies) Whether you own one property or a hundred, a business plan will help you manage the risks and rewards of your buy to let investment. If you re able to show that your investment plans are well thought through - especially at a time when demand for mortgages is higher than supply - you ll be more likely to secure the finance you need. Once you have a business plan in place, you can use it to work with lenders/brokers, property consultants, letting agents, financial advisors and property tax consultants. Here s our suggested business plan template:
2 Executive Summary Your details, your partner s details Your career background Your property background Your property investment team (details of lenders, brokers, financial advisors, insurance, letting agents, property tax experts) Summary of your current property portfolio: Estimated value Mortage Estimated Equity Annual Rent Yield (rent/ estimated value) Property 1 Property 2 Property 3 Property 4
3 Summary of your future property portfolio plan. This is to outline what you hope to achieve with your portfolio. The type of information to include is: What are your estimates for the future value and rent of your existing portfolio? Are there any current properties you are going to sell? If so when? What will be the trigger? Do you plan to buy any more properties? - If so where and when? - What type of tenant will you target? E.g. invest in Manchester next year / 4 bed homes / rented to professional/ family with children Summary of what help you re looking for and why For example: additional investment funds (and how much) / to minimise tax increases / to secure a health check on your property portfolio
4 Your property investment objectives What are your three main reasons for investing in property? E.g. income in retirement or capital growth. Be specific, so if it s income, how much and by when? If it s capital growth, how much and by when? Your current personal situation We often think of our property portfolio separately to the rest of our earnings and investments, but HMRC look at your property portfolio together with your other assets and your earnings, as a whole. So it s important to be clear about all of your wealth, especially with lenders, brokers, financial advisors and property tax experts. Information to supply: Your annual salary The annual salary of any partner Additional income earned Income earned from property in the last 12 months Details of your pension schemes and values Details of any savings you and your partners have Details of any outstanding loans Details of any other financial commitments, e.g. children
5 Information about your property portfolio, including your own home: Equity in your own home Property portfolio equity Net annual income Outstanding mortgage balance Outstanding mortgage balances Investment required in existing properties, e.g. kitchen and bathroom upgrades, new windows And, importantly, do you have an up-to-date Will which takes into account latest legislation? Your property portfolio strategy You need to have a clear strategy in order to understand how your portfolio is going to deliver against your objectives. Consider things such as: What is your buying and renting strategy? Is it professional room lets, premium end rentals, student lets, sub-letting to professional landlords, etc.? What geographical location/s are you planning to invest in? How do you source properties? Who s your target market? For example - professionals, families Are you going to let the properties yourself or through a qualified NALS or ARLA letting agent? If you re letting privately, how much time do you have to invest in your property portfolio?
6 Who s going to carry out the maintenance? Some jobs you can do yourself, but other work will need to be carried out by a Part P registered electrician or a Gas Safe Register engineer. Think about the team that you ll need to support your property investments. How do you ensure your properties are let legally? If you re not using an ARLA or NALS registered letting agent, then become a member of the Residential Landlords Association or National Landlords Association and/or join a local authority landlord accreditation scheme. What property research have you carried out? This will help professional advisors understand the area you currently invest in and any new areas where you plan to buy properties in the future. Average Average Estimated estimated future property price* rental price* yield price growth** Area one Area two Area three *Take an average of the types of property you re looking to invest in **Make sure you take into account the effect of inflation Expanding your property portfolio If you d like to expand your portfolio, you need to be clear about what monies you have to invest both now and in the future. How many properties are you looking to buy over the next 10 years?:
7 What will your buying costs be for the new properties? Include stamp duty, legal fees, survey fees and costs to let the property legally Deposit monies: most buy to let mortgages require a 25% deposit, so if you want to buy a property for 100,000 you ll need a deposit of 25,000 (25% x 100,000). How much do you have now to put down as a deposit? How much will you have in the future to put down as a deposit? Where will these additional funds come from? What additional funds do you need to carry out your property investment plans? Make an estimate of what total monies you ll need over the next 5+ years: Property Funding Deposit Costs purchase price required required included Year one Year two Year three Year four Year five Year six
8 Estimate what your property portfolio returns will be after you ve secured the additional funding: Estimated Mortgage Estimated Annual rent Yield* value equity EXISTING PORTFOLIO Property one Property two Property three Property four NEW PORTFOLIO Property one Property two Property three Property four (*annual rent estimated value)
9 SWOT Analysis This is a helpful way of working out the risks and rewards from your buy to let investment: Strengths - These are things that are specific to you, e.g. negotiating skills and access to property deals Weaknesses - These highlight areas for improvement, e.g. valuing properties accurately or understanding renovation costs Opportunities - Things outside your control, such as a competitor going bust, causing a fire sale of properties; finance rates becoming more competitive or an increase in repossessions Threats - Things outside your control, such as interest rates reaching 8% or property prices increasing beyond your ability to finance What s your exit strategy? Everyone needs to be clear on when and how you plan to exit from your property investment. You might want to keep your properties and take the income to top up your pension. You may want to sell your portfolio and re-invest, or just spend the cash you realise. What income do you want/need from your property portfolio in the future? What equity are you planning to have in each property when you sell?
10 Target value selling costs Target net profit estimated exit year estimated impact on inflation Property one Property two Property three Property four Property five
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Volunteer with us
Giving your time is a wonderful gift to us. Volunteers have an indispensable role both at the Home assisting staff and representing us in our community.
Each role - from getting stuck into our laundry to being in charge of a collection at an event - is an important part of the charity's work as a whole.
Together with you we can do the best for our animals and the charity.
We strive to recognise the hard work our volunteers do, and ensure that they are valued as part of our team. We have an annual get together plus quarterly email newsletter to keep in touch. As a small thank you, we have arranged for volunteers to have free entry to The American Museum and a 5% discount at our PawStore pet shop and charity shops at Moorland Road and Frome.
Please note that all volunteer roles are for ages 18+ only.
Our younger supporters can help our animals by being a Pounds for Paws fundraiser. » Click here to find out more.
Current volunteering vacancies
Please click on a button to read the role description and to apply. Please also read the Guide below.
Your guide to applying for volunteer roles
Some of our roles are very popular but we have a limited number of opportunities available, so we ask that you think carefully before applying that you are able commit the required time for the volunteering role.
All volunteers must be aged 18 years and over.
You are only able to apply for roles that are advertised here on our website. We are unable to accept speculative applications.
When you find a role that you are interested in, please read the role description carefully and then fill in and return the application form on that page.
Our Volunteer Co-ordinator works part-time, so please allow two weeks to process your application. We will give you a call for a chat where you can find out more about the role and we can discuss your suitability. Successful applicants will then complete an induction and you will meet the team you will be working with.
You will have a trial of two months, and then will chat with you about whether it is appropriate to make your volunteer role permanent,
Current volunteers - keep up to date with our brand new Notice Board page!» Go to the Notice Board


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The public transportation system in Perm includes: buses, street cars, trolleybuses and trams.
A single trip ticket for any public transport costs 20 roubles.
Features of the Perm Public Transport System:
- You can pay the driver/conductor for your ticket inside the vehicle;
- Boarding and exiting is allowed to/from any door;
- Municipal buses, as well as trams and trolleybuses, drop off/receive passengers at all stops;
- A fine shall be issued for passage without a ticket (controllers work on all lines);
- There are several night routes in operation;
- While on the bus, you should be prepared for someone to pass you money. They aren't being generous! They want you to continue passing their money until it reaches the driver or the conductor. Sometimes, they will just tap you on your shoulder, other times they will say 'peredaite'or 'pass this forward''. Just take the money and do the same thing to the person in front of you. If this happens to you, always remember who gave you the money as you have to pass them back their ticket. If you can't reach the conductor or driver, feel free to do this, as it's considered quite normal and the easiest way to pay on a crowded bus.
Hours of Operation
Hours of operation may be slightly updated by the transport authorities, so be aware and make sure to check a second time if your travel is important!
Buses: 6.00am - 11.00pm
Trams: 6.00am - 11.00pm
Trolleybuses: 6.00am - 11.00pm


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LINK BACK TO ZYRA's FRONT PAGE
Link back up structure to WHAT'S THAT? //// SITE INDEX
WANTED: COMPUTER (Got! See note at end)
Potential buyer requires power.
I am interested in replacing the computer I have at present with something better. If you can supply this I would like to know. I am potentially a very good customer, as I am interested in buying something, and if I get something good I am likely to tell a lot of people about it. It could be very good for business.
What I would like to buy is a computer which is powerful enough to do the sort of things I want to do. I need to be able to write computer programs and run them. To be able to do what I want to do I might have to buy a MAINFRAME, but the minimum requirement is a programming environment which allows proper control of the machine.
Do not try to sell me an ordinary PC with "Windows" as I already have a system which is better than that.
If you have something to sell which I might buy, please contact me at...
News! A new computer has now been acquired. More news about this later!
... Linux ... Music ... etc


text:
Enter your Email Address here for Password recovery Email.
Auto Open
Metal shaft frame
8 panel, 42" arc
Pongee material
Strap closure
Matching sleeve included
Changes color with ice cold liquidsFlip straw lidEasy fill wide mouth openingSingle wall stainless steelHand wash only
Set of 12 pencils - #20551 Mood Pencils with Colored Erasers - Quality wood pencils that changes color by heat of your hand, have matching colore
Durable acrylicDouble-Wall insulatedNot intended for hot beveragesDo not microwaveHand wash only
Band changes color with heat of your hand
Multi function: Time/Steps/Distance/Calories
Adjustable band - One size fits most
Set of 6 pencils - #20551 Mood Pencils with Colored Erasers - Quality wood pencils that changes color by heat of your hand, have matching colored
Mood Watch Bracelet
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Soft silicone material
Changes color with the heat of your hands
Multi Function Display: Time, Date & Seco
16 oz. Victory Acrylic Tumbler with Mood Straw
Durable acrylic clear tumbler
Double-Wall insulated
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Exclusive cube design changes color with ice cold liquids
Double wall insulated
Includes twist off lid with matching straw
Hand wash only
16 oz. Double Wall Mood Mason Jar
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Mood pattern changes color with ice cold liquids
Includes matching lid and straw
Hand wash onl


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News Releases
Solid Performance in ACMI Segment Tempered by Difficult Market Conditions in Scheduled Service
|Atlas Air Worldwide Holdings, Inc. 3Q08 Pretax Income Totals 10.1 Million; Net Income $5.2 Million, $0.24 per Share
Solid Performance in ACMI Segment Tempered by Difficult Market Conditions in Scheduled Service
Purchase, NY, Thursday, November 6, 2008 -- Atlas Air Worldwide Holdings, Inc. (AAWW) (Nasdaq: AAWW), a leading provider of global air cargo assets and services, today announced operating and financial results for the third quarter of 2008.
Results for the quarter reflected solid performance in the Company's ACMI operations (including express network ACMI), tempered by continued difficult market conditions in Scheduled Service, where high fuel prices and soft demand had a negative impact. Results also reflected lower AMC flying consistent with expectations.
For the quarter ended September 30, 2008, AAWW earned $10.1 million prior to income taxes, on revenues of $460.7 million. Net income totaled $5.2 million, or $0.24 per diluted share.
"Our third-quarter results demonstrate the importance of our strategic focus on de-risking our business model and modernizing our fleet," said William J. Flynn, President and Chief Executive Officer of AAWW.
"The actions that we have taken in transforming our business model to focus on long-term contractual flying, reducing our exposure to fuel prices, and strengthening our financial position will serve us well in these challenging economic times. While we are not immune to the turmoil affecting the world economy, our superior assets, de-risked business model and long-term contracts with the world's leading freight operators position us well to grow our business and earnings."
Flying under a landmark, 20-year blocked-space agreement, AAWW's Polar Air Cargo Worldwide subsidiary commenced full-scale trans-Pacific network service for DHL Express on October 27. The transformational effect of this agreement is expected to result in substantially improved earnings from the six 747-400 freighter aircraft that were previously deployed in the Company's Scheduled Service operation and have now been deployed in express service for DHL. This flying for DHL will also enhance revenue and earnings visibility as the Company sheds volatility associated with day-to-day fuel-price and revenue risk in the Scheduled Service business. 2009 will be the first full-year of earnings improvement from this agreement, which is cemented by DHL's $150.0 million investment in Polar.
Mr. Flynn also added: "Looking ahead to 2009, we expect pretax earnings from operations to exceed $130.0 million, more than doubling the $55.0 million to $60.0 million of pretax income we now expect to earn in 2008.
"Our outlook for 2008 and 2009 is based on continued, consistent profitability in our core ACMI business, which includes the significant earnings improvement arising from our express network ACMI operations on behalf of DHL. We are maintaining our outlook for lower military charter demand, and our revised 2008 and 2009 full-year expectations account for market weakness in our Commercial Charter segment. In addition, 2008 reflects the impact of an unrealized loss on short-term investments. As we have done in the past, we will also continue to aggressively manage our 747-200 capacity and related overhead to adjust to softening commercial charter demand."
Not included in AAWW's pretax earnings guidance for 2008 is a pretax gain of approximately $153.3 million that will be recognized as income in the fourth quarter of 2008 in connection with the commencement of the long-term blocked-space agreement with DHL.
Mr. Flynn concluded: "Our strategy of de-risking our business model and modernizing our fleet will serve us well in this difficult market environment, and will position us for future earnings and revenue growth. We look forward to our growth into 747-8 freighter service, and we will continue to lead the market in cost-efficient 747-400 freighter aircraft."
Conference Call
Management will host a conference call to discuss AAWW's third-quarter 2008 financial and operating results at 11:00 A.M. Eastern Time on Thursday, November 6, 2008.
Interested parties are invited to listen to the call live over the Internet at www.atlasair.com.
For those unable to listen to the live presentation, a replay will be available on the above Web site for 90 days following the call. An audio replay will also be available through November 13, 2008 by dialing (800) 405-2236 (domestic) and (303) 590-3000 (international) and using Pass Code 11121927#.
3Q08 Performance Factors Versus 3Q07
Operating revenues in the third quarter of 2008 increased 15.5%, or $61.9 million, compared with the year-earlier period, primarily due to fuel-driven pricing increases in Scheduled Service, AMC and express network flying for DHL, offset in part by reductions in block-hour volumes.
Average utilization of operating aircraft totaled 10.6 block hours per aircraft per day during the third quarter of 2008 compared with 11.4 in the third quarter of 2007. Total block hours decreased 8.1% (30,890 block hours versus 33,598) compared with the year-ago period, while average operating aircraft declined to 31.8 from 32.0.
In ACMI, revenue declined $8.2 million, or 9.3%, versus the third quarter of 2007, reflecting lower block-hour volumes (13,374 versus 14,681) and comparable average block-hour rates ($6,032 versus $6,056). The reduction in ACMI block hours was primarily due to the reallocation of one 747-400F aircraft to express network service for DHL in late March 2008.
For the quarter, an average of 11.3 aircraft (9.0 Boeing 747-400s and 2.3 Boeing 747-200s) directly supported the Company's ACMI operations, compared with an average of 11.6 aircraft (10.1 Boeing 747-400s and 1.5 Boeing 747-200s) in the third quarter of 2007. The increase in 747-200 aircraft in ACMI service in the latest period reflected an increase in short-term ACMI flying performed for various customers compared with the same quarter in 2007.
In the Scheduled Service segment, revenue increased $42.7 million, or 23.8%, compared with the same period in 2007, mainly due to higher unit revenues and yields.
Unit revenues (RATM) in the Scheduled Service segment increased 18.2% ($0.312 versus $0.264) during the quarter, while yield increased 22.3% ($0.499 versus $0.408). The substantial increase in yield compared with the third quarter of 2007 largely reflected the impact of fuel surcharge increases implemented in response to higher fuel prices.
Traffic (as measured by revenue ton miles, or RTMs) rose 1.3% during the quarter, while capacity (as measured by available ton miles, or ATMs) increased 4.5%. As a result, load factor decreased to 62.6% from 64.6% in the year-ago period. Scheduled Service block hours, traffic and capacity in the latest quarter reflected the deployment of two 747-400Fs to the segment in conjunction with the provision of trans-Pacific express network service for DHL Express. Excluding the two aircraft flying for DHL Express, Scheduled Service demand was down, in part due to factory closures in China surrounding the summer Olympics and general market softness. In addition, Scheduled Service results reflected a planned reduction in flying on trans-Atlantic routes.
AMC Charter revenue increased $28.5 million, or 31.4%, in the latest quarter due to an increase in AMC Charter rates, partially offset by a reduction in flying volumes. Block-hour rates increased 59.4% ($27,504 versus $17,254), reflecting an increase in the rate per mile paid by the U.S. military, including an increase in the "pegged" fuel price to $4.30 per gallon in the third quarter of 2008 from $2.25 per gallon in third quarter of 2007. Activity declined 17.6% (4,345 block hours versus 5,272) during the quarter, partly reflecting a reduction in AMC demand for Boeing 747 wide-body flying compared with the third quarter of 2007.
In Commercial Charter, revenue increased $0.1 million, or 0.5%, during the quarter, due to an increase in block-hour rates ($22,781 versus $15,639), offset by a reduction in block-hour volumes (1,218 versus 1,766). Higher block-hour rates reflected price increases implemented in response to significantly higher fuel prices during the quarter and an improved mix of charters. Lower block-hour volumes reflected a strategic reduction in the size of the 747-200 operating fleet during 2008.
Dry leasing revenue in the third quarter of 2008 decreased $1.2 million, or 10.1%, versus the third quarter of 2007. The Company had three 747-400F aircraft and one 747-200 aircraft on dry lease to third parties during the latest quarter compared with three 747-400s and two 747-200s in the year-ago period.
Operating Expenses
Operating expenses in the quarter were $77.0 million, or 21.2%, higher than the comparable 2007 period, largely reflecting an increase in fuel expense.
Total aircraft fuel expense rose 59.2%, or $83.1 million, during the quarter due to increased market prices for fuel.
In Scheduled Service and Commercial Charter, fuel expense during the quarter reflected a 69.6% increase in the average price per gallon ($3.80 versus $2.24). The impact of higher fuel pricing, however, was partly offset by a decrease in overall flying activity, which resulted in a 5.7% reduction in fuel gallons consumed (42,649 versus 45,241). In the AMC segment, where the U.S. military reimburses the Company for fuel-price increases that exceed an agreed upon fuel price, higher fuel expense during the quarter reflected a 91.1% increase in the AMC fuel rate ($4.30 versus $2.25), offset by a 17.6% decline in fuel gallons consumed (14,250 versus 17,284).
Maintenance expense during the quarter increased $6.7 million, or 17.5%, primarily due to an increase in engine overhaul activity. There were 10 engine overhauls during the third quarter of 2008 compared with six in the third quarter of 2007. In addition, there was an increase in 747-400 heavy maintenance activity (two D Checks versus one in the year-ago quarter; and four C checks versus none in the year-ago period), partly offset by a reduction in 747-200 heavy maintenance activity (no D Checks versus one; and two C Checks versus three).
Aircraft rent increased $1.0 million, or 2.5%, during the quarter, primarily due to supplemental rent expense for maintenance-return-condition obligations on 747-200 aircraft leased by the Company.
Aggregate ground handling and landing fees during the quarter decreased $5.4 million, or 13.8%, compared with the same quarter in 2007. Lower ground handling charges reflected a reduction in cargo warehousing costs driven by a decrease in volume handled in the Scheduled Service segment. Lower landing fees reflected a reduction in non-ACMI landings and departures.
Labor expenses declined $4.0 million, or 6.9%, compared with the year-ago third quarter, reflecting the reduction in block-hour volumes as well as a reduction in profit sharing and incentive compensation accruals. In addition, the Company accrued $1.6 million in severance and other costs during the third quarter of 2008 related to an approximately 6.0% reduction in non-pilot staff associated with a realignment of the Company's business.
Depreciation and amortization decreased $3.5 million, or 28.4%, primarily due to a reduction in the scrapping of engine parts and rotables during overhaul.
Travel expense declined $1.6 million, or 12.9%, due to the reduction in block-hour volumes.
Net Interest and Other Non-Operating Expenses
Net interest expense increased $2.3 million, or 47.9%, compared with the third quarter of 2007, reflecting a higher level of outstanding debt, lower effective yields on cash investments, as well as an increase in capitalized interest related to pre-delivery deposits on the Company's Boeing 747-8F aircraft order. Other non-operating expenses increased $3.1 million due to the strengthening of the U.S. dollar versus certain foreign currencies, as well as a $1.5 million unrealized loss on short-term investments recognized in the quarter.
Income Taxes
Third-quarter results included an income tax expense of $4.9 million compared with an income tax benefit of $1.7 million in the third quarter of 2007, resulting in an effective tax rate of 48.4% versus a benefit of 5.5%.
The tax rate for the third quarter of 2008 differed from the statutory rate primarily due to a loss incurred by Polar during the quarter for which no tax benefit was recorded. Polar did not record income tax benefits related to its losses in the first three quarters of 2008 because it has no prior period income to apply against these losses and, therefore, may only offset these losses against future income. Until Polar generates future income, no tax benefit will be recorded.
Rates for the third quarter of 2007 reflected AAWW's ability to claim a deduction on its federal income tax returns for extraterritorial income.
Cash, Cash Equivalents and Short-Term Investments
At September 30, 2008, AAWW's cash, cash equivalents and short-term investments totaled $427.5 million compared with $477.3 million at year-end 2007. Short-term investments accounted for $48.3 million of the total at September 30, 2008, compared with zero at year-end 2007.
AAWW's short-term investments at September 30 comprised an investment in The Reserve Primary Fund (Primary Fund), a money-market fund that has temporarily suspended redemptions and is in the process of being liquidated.
In mid-September, the net asset value of the Primary Fund declined to less than $1.00 per share based on a portion of the Fund's holdings consisting of debt securities issued by Lehman Brothers Holdings, Inc. As a result, AAWW recorded a $1.5 million estimated loss in this investment in other non-operating expense.
On November 10, 2008, AAWW expects to receive a final payment of $37.5 million, plus interest of $2.8 million, from DHL Express in connection with DHL's previously announced $150.0 million investment in the Company's Polar Air Cargo Worldwide subsidiary.
Outstanding Debt
At September 30, 2008, AAWW's balance sheet debt and capital lease obligations totaled $634.6 million, including the impact of $70.0 million of unamortized discount related to fair market value adjustments recorded against its debt as a result of the application of fresh-start accounting.
The face value of AAWW's debt and capital lease obligations at September 30, 2008, totaled $704.6 million, compared with $469.5 million on December 31, 2007.
During the third quarter, AAWW's subsidiary, Atlas Air, Inc., entered into two five-year term loans. The loans aggregate $100.0 million and are secured by two 747-400 aircraft.
Non-GAAP Financial Measures: EBITDAR and EBITDA
EBITDAR, as adjusted, totaled $69.1 million in the third quarter of 2008 compared with $86.7 million in the third quarter of 2007.
EBITDA, as adjusted, totaled $29.0 million in the latest reporting period compared with $47.5 million in the third quarter of 2007.
About Non-GAAP Financial Measures
To supplement AAWW's financial statements presented in accordance with GAAP, AAWW presents certain non-GAAP financial measures to assist in the evaluation of the performance of its business. These non-GAAP measures include EBITDAR, as adjusted, and EBITDA, as adjusted, each excluding post-emergence costs and related professional fees, as applicable.
AAWW's management uses these non-GAAP financial measures in assessing the performance of the Company's ongoing operations and liquidity and in planning and forecasting future periods.
About Atlas Air Worldwide Holdings, Inc.:
AAWW is the parent company of Atlas Air, Inc. (Atlas) and the majority shareholder of Polar Air Cargo Worldwide, Inc. (Polar). Through Atlas and Polar, AAWW operates the world's largest fleet of Boeing 747 freighter aircraft.
Atlas and Polar offer a range of air cargo services that include ACMI aircraft leasing - in which customers receive a dedicated aircraft, crew, maintenance and insurance on a long-term lease basis - express network and scheduled air cargo service, military charters, commercial cargo charters, and dry leasing of aircraft.
AAWW's press releases, SEC filings and other information can be accessed through the Company's home page, www.atlasair.com.
This release contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect AAWW's current views with respect to certain current and future events and financial performance. Such forward-looking statements are and will be, as the case may be, subject to many risks, uncertainties and factors relating to the operations and business environments of AAWW and its subsidiaries (collectively, the "companies") that may cause the actual results of the companies to be materially different from any future results, express or implied, in such forward-looking statements.
Factors that could cause actual results to differ materially from these forward-looking statements include, but are not limited to, the following: the ability of the companies to operate pursuant to the terms of their financing facilities; the ability of the companies to obtain and maintain normal terms with vendors and service providers; the companies' ability to maintain contracts that are critical to their operations; the ability of the companies to fund and execute their business plan; the ability of the companies to attract, motivate and/or retain key executives and associates; the ability of the companies to attract and retain customers; the continued availability of our wide-body aircraft; demand for cargo services in the markets in which the companies operate; economic conditions; the effects of any hostilities or act of war (in the Middle East or elsewhere) or any terrorist attack; labor costs and relations; financing costs; the cost and availability of war risk insurance; our ability to maintain adequate internal controls over financial reporting; aviation fuel costs; security-related costs; competitive pressures on pricing (especially from lower-cost competitors); volatility in the international currency markets; weather conditions; government legislation and regulation; consumer perceptions of the companies' products and services; pending and future litigation; and other risks and uncertainties set forth from time to time in AAWW's reports to the United States Securities and Exchange Commission.
For additional information, we refer you to the risk factors set forth under the heading "Risk Factors" in the Annual Report on Form 10-K filed by AAWW with the Securities and Exchange Commission on February 28, 2008. Other factors and assumptions not identified above may also affect the forward-looking statements, and these other factors and assumptions may also cause actual results to differ materially from those discussed.
Except as stated in this release, AAWW is not providing guidance or estimates regarding its anticipated business and financial performance for 2008 or thereafter.
AAWW assumes no obligation to update such statements contained in this release to reflect actual results, changes in assumptions or changes in other factors affecting such estimates other than as required by law.
|< Back
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- 11/1/2018 - Atlas Air Worldwide Holdings Third-Quarter 2018 Results,
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- 5/3/2018 - Atlas Air Worldwide Holdings First-Quarter 2018 Results,
Conference Call/Web Cast
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2/22/2018 - Atlas Air Worldwide Holdings Fourth-Quarter 2017 Results,
Conference Call/Web Cast
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11/8/2017 - AAWW CEO Speaks at Stephens Inc. Fall Investment Conference,
Conference Call/Web Cast
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9/6/2017 - AAWW CFO Speaks at Cowen 2017 Global Transportation Conference,
Conference Call/Web Cast
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8/2/2017 - Atlas Air Worldwide Holdings Second-Quarter 2017 Results,
Conference Call/Web Cast
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11/8/2016 - 2016 - AAWW CFO Speaks at Stephens Inc. Fall Investment Conference,
Conference Call/Web Cast
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09/07/2016 - AAWW CFO Speaks at RBC Capital Markets Global Industrials Conference,
Conference Call/Web Cast
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6/15/2016 - Atlas Air Worldwide Webcast Investor-Analyst Day Presentations,
Conference Call/Web Cast
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Dan Loh
E-mail: email@example.com


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One of the more popular features that custom home builders are asked to include in custom designed homes is a fireplace, which you have included in your most recent home building design.
If you do have a fireplace, when is the last time you had the chimney cleaned?
Before you use your fireplace again and create a potential health and safety risk, it might be time to call out a contractor to clean it out so it's safe to use.
Chimney Fires A Significant Cause of House Fires
The Chimney Safety Institute of America or CSIA estimates that there are more than 25,000 chimney fires every year.
Chimney fires customarily start in the chimney and then expand to the exterior and/or interior of the house in various ways.
These fires that can burn extremely hot and even produce small explosions in the chimney cause more than $125M in damage each year.
Fortunately, preventing them and protecting your custom designed home is easy; just have your chimney cleaned and inspected regularly.
How Do Chimney Fires Happen?
Although it may seem contradictory that using the fireplace installed by your custom home builder and designed to burn wood could result in a dangerous chimney fire, it happens rather frequently.
These fires happen when the chimney is not clean enough and is instead coated on the inside with waste material from the burning fire itself.
Wood burning fires give off soot that coats the inside of the chimney, damper, and flue as well as expels creosote, a flammable substance that glazes the inside of the chimney vents.
Over time, the amount of creosote caked onto the inside of these vents can increase to the point where it can ignite if it gets hot enough in the chimney or a tall enough flame from the fireplace reaches where it is located.
Characterized by loud popping or crackling sounds coming from the chimney and very black soot escaping from it, the heat of a chimney fire will gradually degrade the masonry structure that surrounds it.
Once that starts happening, the next fire could be the one that makes contact with the structural materials in your roof and ignites the whole house.
Chimneys Also Need Maintenance
To protect your custom built home from the dangers of a chimney fire, the CSIA and National Fire Protection Association recommend a yearly chimney inspection whether or not you use your fireplaces.
Chimneys are also favorite spots for birds and rodents to nest and potentially gain entry into your home.
If you do use your fireplace, it's recommended that you have it cleaned once a year by a professional chimney sweep before you start using it for the season.
The chimney sweep will scrape the insides of the chimney and remove the layers of soot and creosote that have built up after last season's use, so your fireplace and chimney are clean and safe to use once more.
Don't Start Off This Winter With A Bang
You've invested a lot of time and money into your custom home building project.
The fireplace your home builder has installed should always remain a source of warmth and pleasure for you and your family.
Keep it safe and avoid a dangerous chimney fire with a yearly chimney inspection and cleaning.
A clean chimney will give you peace of mind that your custom designed home is protected from an unexpected and highly destructive accident!
Thinking Of Home Building In Brenham Texas?
Southwest Homes Builds Dazzling Custom Designed Homes!
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Write something about yourself. No need to be fancy, just an overview.
January 2020


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Job Position – SALES COORDINATOR / COLLECTION OFFICER
Job type – Full time
Place – UAE , Dubai
Nationality – Any
Posted Date – 24/4/2017
Salary – Not specified
Job source – Gulfnews
Job Description – Required Sales coordinator/collection officer for a company. Send your cv to company email id.
Eligibility Criteria –
• Computer literate
• Able to do Multi-tasking
• Age 21-26 yrs old
Job responsibilities –
• To give secretarial and authoritative help to the DOS and besides to give reinforcement organization to the business group. Readiness of correspondence, upkeep of arrangements journal for DOS.
• Set up and keep up a compelling recording framework for the business office, including an every day follow document, to guarantee all week after week, month to month and half-yearly due dates are met by the DOS.
• When preparing gave, to play a proactive part in the support and advancement of musical show benchmarks inside the Sales Department. To have the capacity to activity any gathering and banqueting demands for space before speaking with the Events Team.
• To give preparing and support to different individuals from the business group in these applications as required.
• To consistently upgrade and enhance the proficiency and association of the division, by plan and actualizing authoritative frameworks.
• Working with the Sales Team to activity and disseminate the corporate rate understanding Contracts.
• To keep up standard levels of offers leaflets and guarantee standard levels are constantly kept up.
• Likewise in charge of requesting all stationary and regulatory supplies for the Sales office
• Minute taking of offers meeting and different gatherings where fundamental
• With the support of the business group to finish the yearly travel administration contracts.
• To assume liability and additionally bolster as suitable, any departmental activities as coordinated by the DOS.
How To Apply –
Interested Candidates may apply by submitting your resume/CV to This Email Adress


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Diversifying in EM: The quest for yields while curbing volatility
The quest for satisfactory yields from bond market investments has been a challenging task for a while now and the current outlook does not indicate significant changes in the short term. Therefore, to address the low yields offered by interest rates from developed countries, it is necessary to broaden the investment horizons, for example by diversifying the investments into emerging markets. The coupons paid by emerging market bonds may be an important alternative, but you must also be willing to accept periods of price volatility with these securities. The strategy adopted by Epsilon Fund Emerging Bond Total Return is an opportunity to invest in these markets while curbing volatility.
This strategy is not correlated to the market and adopts a defensive approach aimed at preserving capital over a 12-month period, curbing volatility and drawdown. The objective of EF Emerging Bond Total Return is to achieve an average annual return, gross of management fees, exceeding by 1.30% the performance of the Barclays Euro Treasury Bills Index over a time horizon of 36 months.
The strategy has two performance drivers. A buy & hold portfolio consisting of short-term bonds (up to 36 months) in hard currency that are held to maturity. These bonds are government and corporate issues whose exchange rate risk is systematically hedged. It is supported by a tactical portfolio whose aim is to explore opportunities in emerging markets and at the same time protect the investments during downturns. It consists of medium and long-term securities in hard currency, local debt securities and currency bets.
Over the years we have observed that the tactical component generates approximately one-third of the subfund's overall performance. The remaining two-thirds comes from the carry trade generated by the buy & hold component. Given the performance achieved, an "enhanced" version was created that takes advantage of these tactics. Given its nature, this sub-fund has a higher risk rating compared to the previous Epsilon Fund Emerging Bond Total Return sub-fund and for this reason it aims to achieve higher returns, with a target equal to the Barclays Euro Treasury Bills Index + 2,00%.
Emerging Countries are extremely heterogeneous, with risk and opportunity characteristics that are equally diverse. Investing in these countries implies geographic diversification, diversification by rating, by growth model or simply by per capita wealth, which represent a unique aspect of this investment class. With regard to the management of EF Emerging Bond Total Return, the country selection process begins with an internally developed model that classifies the emerging economies based on macroeconomic and political indicators. The worst ten countries are excluded from the investment scope. In the second phase, only those countries with bonds maturing in less than three years are selected from the "eligible" countries. This is how the basket of approximately 30 countries that make up the investment scope is constructed.
Subsequently, the portfolio is constructed giving priority to sovereign and semi-sovereign issues and applying the principles of diversification with regard to both geography and creditworthiness. Regarding the latter, particular attention is given to making sure that the portfolio is rated as close as possible to Investment Grade. At the moment, approximately 60% of the instruments in the portfolio have a rating between BB and BBB.
The sub-fund primarily invests in securities denominated in hard currencies (currently about 90%), while exposure to local debt securities is residual. The strategy aims to collect coupons paid by the emerging bonds, avoiding duration and exchange rate risk, while credit risk – though present – is mitigated by utterly excluding the weakest countries. Indeed, since the initial country classification model is based on macroeconomic and political aggregates, sovereign and semi-sovereign issuers are favoured in the selection process.
Currently, the main challenge of the portfolio is the exposure to a basket of emerging market currencies. In moderately volatile financial markets, certain emerging market currencies still provide high nominal yields and are solid carry trade opportunities. Local debt securities and all bonds with maturities exceeding three years, currently around 20% of the sub-fund's total assets, are part of the tactical portfolio.
Epsilon Fund Emerging Bond Total Return is a sub-fund organised under the laws of Luxembourg, established by Eurizon Capital S.A., and managed by Epsilon SGR. The subfund has a risk/return profile of 3 on a scale from 1 to 7. No guarantee is provided to investors with regard to the sub-fund achieving its objective.


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Tantric Massage in Baker Street
Gold Tantric London- Searching for a Tantric Massage in Baker Street?
If you want to relax every part of your body, our tantric massages could be the perfect treat. Our therapists in London attracts customers from all over the city, including Baker Street, looking to enjoy a sensual massage delivered by a stunning girl.
Tantric massages involve being covered in oil and massaged in a way that becomes progressively more sensual and stimulating.
Satisfying your every desire.
With Gold Tantric London, you'll have a choice of amazing massage techniques, including the famous Japanese Nuru massage which use an organic gel made from nori seaweed.
Our beautiful masseuses want to help your troubles become a distant memory as you drift into a state of ecstasy. Highly trained and extremely beautiful, our masseuses know exactly what makes an erotic and toe-tingling massage.
Life can be one thing after another but with our tantric massages you'll know there's always pleasure around the corner.
Whether you're after a nocturnal treat or a naughty morning massage, Gold Tantric Massage can make it happen. Our services include body to body massages, Nuru massages, four hands massages, and any types of massage, all delivered by our stunning ladies.
To book tantric massage in Baker Street, simply call +447908631324.


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We've found that it's a good idea for groups to look at their shared values, expectations, and commitments right off the bat so that every member starts on the same page.
At EastLake Church, groups exist to help people group in friendship and faith.
This is true of our group too: We are here to grow in friendship and our faith.
In efforts to get the most of our time together this group season, we want everyone to try and come consistently to group and to communicate if we need to miss a week.
At EastLake Church, we value safe environments. Here is what this means for your group:
- There are no perfect people allowed. While we don't suggest anyone gets transparent on week one about personal issues, we do encourage everyone to authentically show up each week.
- We are all in process therefore we should plan to be patient and gracious toward one another.
- While we aim to show care about what is happening in one another's lives, and we hope to encourage one another in practical and life-giving ways, this group is not going to solve people's problems. When and if we want people to speak into our current situation, we can directly ask for wisdom and ideas.
- We want everyone to share from the heart, but we don't want this to be place we throw others under the bus. Let's be considerate and careful about the way in which we talk about others.
- There is rarely just one right or wrong answer to a discussion question. Most often there are several different perspectives and facets to one questions. We make room for the various ideas people bring to the table. The goal of most questions is to get us thinking about Jesus, God, the Bible, relationship, growth and life.
- We give each other permission to respectfully ask difficult questions and cheer each other on toward real life change.
- We all have our doubts, curiosities, and questions about God. We make space for them here.
- We don't monopolize the conversation; we take turns.
- Friendships take time and happen organically; we don't rush the process.
- We share ownership of this group. There are various ways each member can volunteer — e.g. snacks, sending reminders, taking weekly attendance, organizing childcare, plan fun events, and so on.
- What is shared in our group stays in our group. If something is shared that presents a concern that needs further input, please contact firstname.lastname@example.com.
In addition, to our Group Values here are some important ground rules:
Groups are not for selling products, raising funds, or political pitches.
- If you represent a career or a product in your professional life, you can discuss this outside the group on a personal or relational level. But please respect that no one wants the group to become a sales or fundraising pool.
- This is not a voting box so don't turn our group into the next political debate. Leave that up to CNN.
- Groups are not dating services. Though people have met and married through our groups, this is not a dating service.


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15+ Skoda Yeti Bike Inside You Will Like
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Entrepreneur and writer, Semil Shah, has a new article on big data up on Techcrunch. He highlights some of the current action in the big data space, but encourages everyone to thing beyond that, bigger.
Semil's also got a question up at Quora about what are the most notable companies in the big data space.