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Product Description
Bullet Hinge 23x200mm Greaseable
These bullet hinges are perfect for trailers, trucks and any heavy duty door or tailgate.
- Weld On Bullet Hinges
- Brass pins and washers
- 200mm x 23mm, crafted from mild steel for robust performance.
- Mild Steel
Any products thought to be faulty can be returned to Trailer Spare Parts Australia for investigation at the customer's expense. We reserve the right to determine whether the item/s are faulty or have been incorrectly used or mistreated. We are happy to accept any unwanted stock within 7 days of invoice. Returned items must be in "as new" condition for resale. Any specially ordered axles (IRS, Overlay and Drop Axles) are not returnable. Trailer Spare Parts Australia charges a re-stocking fee of 15% to any authorized returns, plus freight if the goods returned are not subject to warranty.
If the goods are subject to warranty, Trailer Spare Parts Australia will replace the goods and pay all freight inbound and outbound under our terms and conditions. All products sold by Trailer Spare Parts Australia carry a 12 months warranty under our terms and conditions.
Recommendations for these terms can be found on each product page, except for disposable parts (bearings, brake pads, etc).
All refunds are made via Paypal.


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We consider some of the main benefit rules that apply to directors and employees. At MMTI Ltd, we can advise you on the benefit rules and whether the benefits are worth having when the tax bills are taken into account.
Today the remuneration of many directors and employees comprises a package of salary and benefits.
Essentially two tests must be applied in determining the tax implications of any benefit.
In this factsheet, we give guidance on some of the main benefit in kind rules and outline some common types of benefits.
It is not intended to be an exhaustive guide and any decisions should be supported by professional advice appropriate to your personal circumstances.
All earnings of an office or employment are taxable. Where they are not in cash it becomes necessary to put a value on them.
As a general rule unless the benefit can be converted into cash there is no taxable benefit. Where it is convertible into cash the taxable amount is the resale value.
To prevent avoidance, additional legislation charges certain other benefits to tax. The detailed rules are complex. We can advise on structuring remuneration packages, including benefits, in a tax efficient way.
Employers are required to notify HMRC of benefits provided to directors and most employees by completing forms P11D annually.
Penalties can apply where the forms are submitted late or are incorrect.
The full amount of any benefit must be reported on this form.
In general, employees' national insurance (NI) is not due on benefits except vouchers, stocks and shares, the discharge of an employee's personal liability and benefits provided by way of 'readily convertible' assets.
Most benefits are subject to Class 1A NICs payable by the employer. As this amounts to 13.8% from April 2024 of the taxable value of the benefit, you always need to consider the tax efficiency of providing benefits.
Please consult us for advice.
Certain benefits are not taxable. The most important ones are:
A statutory exemption applies for trivial benefits in kind. The exemption sets out a number of conditions that must be met for a benefit to be exempt which are that the:
In addition, where qualifying trivial benefits are provided to directors and other office holders of close companies they will be subject to an annual cap of £300. In a case where the benefit is provided to a member of the employee's family or household who is not an employee of the employer, this benefit will count towards the £300 exempt amount. Where the director's or other office holder's family or household member is also an employee of the company, they will be subject to a £300 cap in their own right.
Please contact us for advice on how the exemption operates.
The following benefits are taxable on all employees:
In addition, special rules apply to tax other benefits received by directors and all but the lowest paid employees. Common types of benefits provided are detailed below.
The government has introduced rules which limit the income tax and employer NICs advantages where:
The taxable value of benefits in kind where cash has been forgone will be fixed at the higher of the taxable value or the value of the cash forgone.
These rules will not affect employer-provided pension saving, employer-provided pensions advice, childcare vouchers, workplace nurseries, Cycle to Work schemes or Ultra-Low Emission Vehicles.
The taxation of employment benefits is a complex area. Ensuring that you comply with all the administrative obligations and plan in advance to minimise tax liabilities is essential. We can help you with the following:
We would welcome the opportunity to assist you with any planning and compliance matters relating to employment benefits so please do contact us at MMTI Ltd.

subset: commoncrawl


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Tetbury Rocking Horse Works
Tetbury Rocking Horse Works made and sold their first rocking horse in 1984 and have produced the finest quality rocking horses ever since.
Tetbury Rocking Horse Works, set in the beautiful Cotswolds, are producing traditional Victorian style wooden rocking horses.
In the family run workshop, visitors are welcome to see these beautiful rocking horses come to life as they are individually carved, painted, tacked and fitted onto their rockers. We supply and deliver rocking horses to all parts of the world. We also provide a comprehensive rocking horse repair and restoration service. Horses can be collected countrywide.
- Each horse is individually painted to each customer's choice
- Choice of leather colours
- Choice of real horse hair colours
- Extra turned Heads and muscle carving option
- Secret compartment to enclose a time capsule
- All rocking horses are available in four sizes


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Ripened bananas, cinnamon and walnuts baked into warm bread
Bananny Nut Bread
Remove hemp ribbon before burning.
Keep wick trimmed to 1/4 inch at all times. The wick should be trimmed EVERY 2 HOURS OF BURN TIME!!!! Simply extinguish the flame, let the candle come to room temperature, and trim the wick to 1/4 of inch before relighting. Discard the piece of trimmed wick. DO NOT LEAVE TRIMMED WICK REMNANT SITTING IN THE CANDLE!!!!
Don't burn a candle all the way down to the very end!!!! For a margin of safety, discontinue burning a candle when 1/2 inch of wax remains!!!!
THIS IS VERY IMPORTANT!!!!! It's dangerous to burn past 1/2 inch from the bottom no matter what brand candle you are burning!!! It is a fire hazard!!!
Never leave a burning candle unattended.
Never burn a candle on or near anything that might catch fire.
Keep candles out of the reach of children and pets.
Trim the wick to ¼ inch each time before burning. Long or crooked wicks can cause uneven burning, dripping or flaring!!!!!! If the wick bends over, trim it!!!!!! AGAIN... This is for ANY candle you are burning, no matter what brand!!!
Burn candles in a well-ventilated room.
Keep the wax pool clear of wick trimmings, matches and debris at all times.
Avoid drafts, vents or air currents. This will help prevent rapid or uneven burning, sooting, and excessive dripping.
Follow the manufacturer's recommendations on burn time and proper use.
Never touch or move a burning candle.
Never move a votive or container candle when the wax is liquefied.
Extinguish a candle if the flame becomes too high or flickers repeatedly. Let the candle cool, trim the wick, and check for unwanted drafts before re-lighting.
Always keep the candle within your sight. If you are going to leave the room, be sure to first blow out all candles.
Always burn candles in a well-ventilated room. Don't burn too many candles in a small room or in a "tight" home where air exchange is limited.
Never use a candle as a night light.
Be very careful if using candles during a power outage. Flashlights and other battery-powered lights are safer sources of light during a power failure.
Never use a candle during a power outage to look for things in a closet, or when fueling equipment – such as a lantern or kerosene heater.
Never burn a candle on or near anything that can catch fire. Keep burning candles away from furniture, drapes, bedding, carpets, books, paper, flammable decorations, etc.
Keep candles out of the reach of children and pets.
Do not place lighted candles where they can be knocked over by children, pets or anyone else
No part or parts of the artwork or images on Joseph Court Candles website may be reproduced, altered, stored in or introduced into a retrieval system, transmitted in any form or by any means (electronic, mechanical, photocopying, or otherwise) without the prior written permission of the copyright owner Denise Allegro. All rights reserved. All images are copyrighted © 2017 by Denise Allegro. The use of any image from this site is prohibited. Any copyright infringement will result in legal action.


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Welcome to Commercial Pest Control Asheldham
based on
9 reviews.
Overall rating: At Commercial Pest Control Asheldham, a part of Pest Control Essex we have same day appointments and there are No Call-Out Charges. We cover all aspects of Commercial Pest Control problems throughout Asheldham and we also use various methods in the Control and prevention of all pests. We use the latest chemicals and we will talk you through the whole process and advise how to deter pests from your premises in the future.
All our Pest Controllers are fully qualified and hold all relevant qualifications for both domestic and commercial premises.
You will find our Pest Control Essex team helpful and professional and we also work weekends, so if you discover you have a Pest problem, just pick up the phone and give our helpful team a call today.
Call Our Asheldham Commercial Pest Control Team at Pest Control Essex Today On: 01245 327 274.
Please leave a Review about our Service


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Ypres,Tynecot,Passchendale,Belgium 28th June 3rd July 2016 Submitted by Mally Such
Photographs submitted to the site by our members for everyone to view or download. Photos come direct from our members and are added to the site unvetted so if anyone is offended by some please simply skip to the next one (were all adults here).
If you would like your photos to be shared on this site please click Here to email them direct to Steve Walker (Site Administrator). I will try to upload all submitted photos within 48 hours. Thankyou for your support in making our site what it is.
To open The Green Howards Museum website click the banner or image above.
Donate to the Green Howards Museum???
The generosity of our donors is vital in helping us interpret and preserve our collection for all to enjoy. We are grateful for any donation of any size.
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As Secretary of the Friends of the Green Howards Regimental Museum, I'm once again on a recruitment drive.
Do you shop online???
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Additional Materials for Augusta, Georgia
In addition to providing aggregate materials, we also offer select site products for your convenience. These products include play sand, bagged concrete and shovels.
Play Sand (1 gallon)
Children's play sand is ideal for building and molding. Play Sand works great for cast concrete projects and is perfect for outdoor water features and pools. It has been refined, washed, grated and dried.
Designed for sandboxes and play areas, Play Sand is ideal for both indoor and outdoor use. Play Sand comes in a 1 gallon resealable buckets.
Sand has amazing creative and tactile benefits that stimulate imagination and nurture brain development in children. It promotes creativity, kinesthetics and spatial awareness.
Ingredients: Sand, Silica, Quartz
Not for industrial use. Do not use for sand blasting. Exact colors based on availability.
Play Sand (5 pounds)
Pure Organic Ingredients Play Sand is specifically refined for children's play, and intended for hours of creative, kinesthetic, and tactile fun. Play Sand has been carefully grated, washed and dried. Optimal for building and molding and designed for indoor or outdoor use in sandboxes and play areas.
Play sand can also be used for cast concrete projects, outdoor water features and pools.
Our 5 pound Play Sand arrives in natural, eco-friendly packaging.
Ingredients: Sand, Silica, Quartz
Not for industrial use. Do not use for sand blasting. Exact colors based on availability.
Concrete Mix (10 pounds)
General purpose, ready-to-use concrete in a convenient package size for smaller projects. Quikrete 110110 Concrete Mix is a blended mixture of properly portioned gravel, sand and Portland cement. It is easy to use and highly durable. Simply add water, following measurements on the packaging.
Perfect for placing a new mailbox and fence posts, and smaller projects including sidewalks, patios, floors, curbs and downspout troughs
Ten pound bags are approximately 8 x 5 x 2 inches. Manufactured in China. Exact colors based on availability.
Round Point Digging Shovel
True Temper long-handled digging shovel are durable and dependable. Great for general lawn and garden work.
This basic garden tool features a cushioned end grip, 45-inch handle, comfort step for secure footing, and a round point forged steel blade suitable for digging, planting, and cutting sod and small roots.
Make you next gardening project a little easier with the True Temper Forged Round Point Digging Shovel.
Exact colors based on availability.
Square Point Digging Shovel
This durable square point digging shovel is built to last. The square point shovel features a square metal blade and sturdy 44 inch solid wood straight handle.
This standard lawn and garden tool comes in handy for edging and trenching tasks. It is also useful for moving small shrubs and bushes.
Square edge shovels are great for digging into hard soil and ideal for areas with compact grounds.
Exact colors based on availability.
The WORX 8 in 1 Aerocart provides the versatility you need to accommodate any task. It is designed to function as a wheelbarrow, yard cart and dolly, saving you space by reducing the need for multiple tools.
The Aerocart can carry up to 300 lbs in Wheelbarrow mode, 200 lbs as a Dolly, 80 lbs as a Rock or Plant Mover, 80 lbs as an Extended Dolly, 40 lbs as a Bag Holder, 80 lbs as a Cylinder Holder, and it can move trailers of up to 1000 lbs.
The Aerocart has been carefully designed by engineers to maximize functionality and ease of use. The wheels serve are positioned at just the right place to balance and carry weight with minimal effort making 200 pounds feel like approximately 17 pounds.
Exact colors based on availability.
Leather Work Gloves
These economy leather work gloves are rugged, lightweight and versatile.
The leather gloves feature soft and durable cowhide leather for protection and comfort and single palm with Grade A split leather. The gloves also feature reinforced palms and knuckles, 3 inch safety cuff and cotton lined backing for increased airflow and improved breathability.
Leather work gloves are ideal for jobs that require light to moderate protection. They may be used in industrial, construction, carpentry and manufacturing environments
Exact colors based on availability.
Professional Grade Landscaping Edging
Benda Board heavy duty landscaping edging is 3.3 inches thick and 16 feet long.
This professional grade edging is made from recycled materials that are safe for children and pets. Each kit includes 16 feet of edging and 4 professional grade J style ground stakes.
Landscaping edging is ideal for mow strips, tree rings, planters, landscape border, concrete form boards, rock garden definition, pathway borders, flower bed definition and more.
Benda Board is made in the USA! Exact color may vary based on production and availability.
Bender Board Edging Stakes
These heavy duty border edging stakes are easy to install with pre-drilled holes for easy attachment to bender board. Simply hammer the stakes into the soil and screw into the bender board for added support.
Edging stakes are 12 inch long, 1 inch wide and 0.5 inch deep. These stakes are made from recycled resin and sold in packages of 10.
These professional grade edging stakes are made for use with traditional heavy duty bender board garden edging or thinner terrace board edging.
Screw holes are pre drilled for easy use. Screws not included. Exact color may vary based on production and availability.
Siteline Level Package
The Siteline Level Package includes everything you need to ensure accurate leveling for your project or construction site.
Each package includes Siteline Level, builders flat head aluminum tripod and 9ft aluminum grade rod. The siteline level offers a 1/4 inch at 100-Feet leveling accuracy and 20x Magnification for a working range that exceeds 200ft.
The multi-layer coated lends provided clear readings while the rubber lens jacket protects the lends and provides sun shade. Continuous Tangent Drive make operation fast and easy.
Package includes Siteline level, tripod, 9ft grade rod, carrying case for level, plumb bob & manual. Exact colors based on availability.
Driveway Markers
These 48 inch heavy duty high visibility driveway markers are great for driveways, parking lots and curbs for snow removal and any area that needs special awareness.
High visibility orange safety stakes have a 5/16 inch diameter and reflective tape for increased nighttime visibility. Rods feature a pointed end to allow for easy installation
Safety markers are sold in packages of 200.
We Also Provide:
- Top Soil
- Concrete Building Blocks Products
- Concrete Mix Material
- Rebar
- Precast Concrete Products
Ask About Our:
- Asphalt – Paving Materials
- Clay – Hardpan
- River Rock
- Lime Rock
- Rip Rap
- Manure
Get Your Quote
We will quickly contact you with pricing to complete your order.
Fast & Accurate Quotes for Materials Nationwide.


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What to Wear When Going to The Gym!
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So believe you got the makings of won and to be able to know the right way to win at lottery in advance? Your endless queries are finally put to an end with the lot of winning lottery systems and guides proliferating in the field today. However, is it really possible that you would possess an one within a million chance of really going to the jackpot?
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The action is buy a ticket, no an individual has ever won the lottery without getting one first. View the local Lotto retailer or if perhaps you don't have the time to stand in line or access a nearby store, purchase Online lottery from a professional online retailer. You will need to hooked up an be the cause of online purchases but the next step is done, buying is easy.
No appear Result Hk joining the state of hawaii lottery is, the crucial thing is you're here, over this page looking for something that could lead that those big buffalo big ones. Well, you don't have to be worrying about squandering your time. This article will an individual the secret, the best among all of the tips yow will discover online.
All you have to do is complete a pick 6 lotto form. Every form is segregated into 5 separate panels, each having numbers from 1 to forty-nine. Just choose 6 numbers from every panel and purchase play from 1 to panels. On the other hand, can easily request for the quick 6 and personal computer will produce 6 numbers randomly for you personally personally. However, this is often not advised, because winning is also strongly depending on mathematical calculations and successful opportunity. You need to analyze statistical information and apply it to the preferred numbers. Plan use online systems, a wise decision because all the research consider a considerable time.
The best tactic for online lotto is to take random phone numbers. Get the numbers straight from your head, or draw them from a bag. In this strategy, would likely not get belly numbers simply by you get lucky, you will be the only winner. So take to be able to know the best way to win online lottery.


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Send email to Ernst Heiduk Send email
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These cookies are required to help our website run smoothly.
These cookies help us to continuously improve our services and adapt our website to your needs. We statistically evaluate the pseudonymized data collected from our website.
With the help of these cookies and third-party content we strive to improve our offer for our users. By means of anonymized data of website users we can optimize the user flow. This enables us to improve ads and website content.


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On Creativity
Creativity is just connecting things. When you ask creative people how they did something, they feel a little guilty because they didn't really do it, they just saw something. It seemed obvious to them after a while. That's because they were able to connect experiences they've had and synthesize new things. And the reason they were able to do that was that they've had more experiences or they have thought more about their experiences than other people. Unfortunately, that's too rare a commodity. A lot of people in our industry haven't had very diverse experiences. So they don't have enough dots to connect, and they end up with very linear solutions without a broad perspective on the problem. The broader one's understanding of the human experience, the better design we will have.
– Steve Jobs, Wired, February, 1995


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- Jed Keenan
- College Dashboards
- Hits: 1508
This website has been designed specifically for 1920:1080 pixel display resolution monitors (FHD). Unfortunately this results in most reports presenting illegibly on phones and badly on tablets.
Low display resolution monitors are okay but for desktop work stations the price point benefit is really not worth it. That said, low resolution monitors work okay but require a 75-67% zoom out to present the tables reasonably well.
The benefit of designing the layout for Full High Definition (FHD) is to present multiple column data tables. With 450 Colleges on the Y-axis, the X-axis is crucial in presenting full reviews of data, especially for variable length data such as team names and email addresses.
FHD desktop monitors are all priced reasonably and a new Asus, Acer, Lenovo or HP FHD laptop or Chromebook starts at £270.


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Supaul Call Girls 24x7 Full Night Availability Only @ ₹3499
Video Of Call Girls in Supaul
Supaul Call Girls Authentic Pics
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Can Supaul Call Girls Make You Happy?
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Supaul call girls won't charge you much because they are working for us. We have made it pretty clear that we never over charge our clients. Our policy is very simple, we believe in providing the best services without charging too much. This is the prime reason why our clients trust us, and they choose us over others. So, if you also want to spend less on perfect erotic services, then come to us only. Our girls are going to take good care of you no matter what.
Yes, call girls in Supaul prefers to visit hotels more because it's safe and comfortable. If you are not staying in a hotel, then also you can opt for services. But, we suggest our clients to meet in hotels because its the best option available. Moreover, call girls also feel comfortable in hotels because its a neutral place for both the parties. And, you won't have to worry about any legal problems too in good hotels. So, we suggest that you book a nice 4 or 5 star hotel before hiring our ladies.
Yes, a Supaul call girl can provide you perfect girlfriend experience to ensure that you are happy. Their GFE services are so popular that everybody wishes to experience it. If you always wanted to experience this service, then simply hire from us. We guarantee that you won't be disappointed at all. Moreover, we have gathered over hundreds of sexy call girls who are simply experts in providing such erotic services. Apart from GFE, you can also opt for massage services that is way too relaxing and sensual in nature.
Well, call girls Supaul are damn perfect because they are blessed with natural curves, and they are very pretty too. At first sight, you won't believe how beautiful they look. Moreover, they apply literally very little makeup to ensure that they don't look too fake. If you think you need something like this in your life, then don't wait much longer, and come to us right now. We guarantee that you are going to fall in love with them, because they are just perfect.
Sure, you can hire multiple Supaul call girls, but please keep in mind that it will cost you extra. Since there are few ladies who are comfortable in such situation, hence they charge more. But, don't worry if you are a regular customer, then we are going to give you good discounts too. Just ensure that you are hiring only from us. There are definitely other agencies operating in this city, but they aren't as good as we are. So, stop wasting your valuable time on others, and directly contact us.


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This week, optimists had no trouble finding fresh evidence to suggest that the housing market is recovering.
On Thursday, they learned from a Realtors' report that existing home sales hit the highest level in more than 3 years. And earlier this week, a Commerce Department report showed homebuilding permits have been rising at the quickest pace since June 2008.
But not everyone is convinced that the sector's momentum has staying power. Skeptics point to reasons why the housing sector might falter, just as it has several times over the past six years.
If the optimists and pessimists had to face off in front of a judge, these are the exhibits they might enter as evidence:
The Optimists' Case
Your honor, don't be blinded by years of bad news. Look at these recent statistics:
— Home prices rose by more than 7 percent last year, according to the widely respected S&P/Case-Shiller Index.
— Builders have been hiring again, adding workers at a pace of 30,000 a month over the past five months.
— The Federal Reserve plans to hold interest rates at historically low levels for a long time, making homes more affordable.
— The number of underwater borrowers, i.e., those whose mortgages exceed the value of their homes, fell by almost 4 million last year to 7 million, according to JPMorgan Securities.
— Sales of existing homes and building permits are both rising. Realtors in a number of cities report bidding wars breaking out because too few homes are on the market. This latest Realtors' report showed sales were 10.2 percent above the same month last year, marking 20 straight months of gains.
-- The Realtors' report showed the inventory of homes for sale in February increased 9.6 percent to 1.94 million. That represented a 4.7-month supply of houses on the market, up from 4.3 months in January. Six months of inventory makes for a healthy market, so Realtors like the direction of that data.
-- Homes are getting bigger again. The median new single-family home shrank about 6 percent during the housing bust. But now, Commerce Department data show the median size of a new home started in 2012 hit a record 2,309 square feet, exceeding the previous high of 2,259 in 2006.
Testifying for the optimists are Federal Reserve policymakers, who on Wednesday released an economic assessment confirming that "the housing sector has strengthened further."
And IHS Global Insight forecasters say they expect 2013 to be the best year for housing since 2007.
The Pessimists' Case
Your honor, we'd like to call your attention to these disturbing facts:
— The number of "underwater" homeowners may be down, but it's still extremely high, with an estimated one in five owing more than the home's worth. When people can't get out of their old mortgages, they can't move up to a nicer home.
— Home prices, on average, are still at very depressed levels — still roughly 30 percent below their peak in many markets. That means millions of houses will remain underwater for a very long time, making it harder for people to trade up.
— Loans may be cheap, but only for people with sterling credit scores. With unemployment still so high at 7.7 percent and wages scarcely growing, millions of Americans can't qualify for home loans.
— Congress has just imposed sharp federal spending cuts, which could depress economic growth and drive unemployment back up, reducing the number of people who could buy homes.
-- The increased number of homes for sale in February may suggest that there really is a "shadow inventory," a huge number of foreclosed houses that lenders are going to begin dumping onto the market now, driving prices back down.
Testifying for the pessimists is Sheila Bair, former head of the Federal Deposit Insurance Corp. At a recent economic conference, she warned that with job and wage growth still so slow, the housing market could soon stumble. "We need more experience and data to know if it's really turned around," she said.
The jury will remain out — at least until the crucial spring season moves into high gear. Late March through Memorial Day is the peak time for home shopping.
For now, even many industry insiders don't seem to know exactly what to think about this housing market. On Monday, the National Association of Home Builders released its latest market index report, and it showed another drop in sentiment.
More builders described industry conditions as bad than good, with the index falling to 44, down from December's post-recession peak of 47. The builders said they were being frustrated by their inability to get credit from their lenders and by rising costs.
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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We are one of the foremost Cabinet Cooler Manufacturers in Gautam Nagar and we promise that our products and their performance won't dissatisfy you in any manner. Our in-house spacious manufacturing facility is loaded with the right resources that help us deliver exceptional products to our customers at the industry leading prices.
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Dominion Lending Centres The Mortgage Source Brokerage Licence #FSRA #10145
Each Office Independently Owned & Operated
Choosing the mortgage term that is right for you can be a challenging proposition for even the savviest of homebuyers.
By understanding mortgage terms and what they mean in dollars and sense, you can save the most money and choose the term that is right for you.
There are many factors, either in the financial markets or in your own life, which you will also have to take into consideration when you select your mortgage term length.
If paying your mortgage each month places you close to the financial edge of your comfort zone, you may want to opt for a longer term mortgage, for instance ten years, so that you can ensure that you will be able to afford your mortgage payments should the interest rates increase. By the end of a ten year mortgage term, most buyers are in a better financial situation, have a lower principle balance due, and should interest rates have risen, will be able to afford higher mortgage payments.
If you are shopping for a mortgage for an investment property, you will likely want to consider choosing a longer mortgage term. This will allow you to know that the mortgage payments on the property will be steady for a long time and allow you to more accurately project your future income from the property.
Choosing the right mortgage term is a unique decision for each individual. By understanding your personal financial situation and your tolerance for risk, a mortgage professional can assist you in choosing the mortgage term which will work the best.


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Long days. Sleepless nights. Laughter and tears. No, we're not talking about parenthood. We're talking about owning a business (though some might refer to their business venture as their "baby").
You've spent your life building and growing your business, whether you started out on your own or took over the family enterprise. And while you've worked hard to get to where you are today, do you have a plan for your company's future — and your team — once you're gone?
That's where succession planning comes in.
It's a strategic process that helps ensure you have the right talent, people and roles in your organization. So, when the time comes for the next generation of leaders to step in, the transition will be as seamless as possible.
While there's no one-size-fits-all approach to succession planning, we've put together a list of baseline considerations you should keep in mind as you chart the future course of your business.
8 Things to Consider When Building Your Succession Plan
1. When to Start
If you own or co-own a business, the time to start succession planning is now, whether you've been open for 20 years or 20 months. Be prepared to invest some serious time into your efforts. The Society of Human Resource Managers (SHRM) reports that succession planning can typically take between 12 and 36 months, so it's never too early to begin. And once your succession plan is established, know that it will need to evolve as your business grows and changes. It's recommended that you revisit your plan annually or whenever significant situations impact your business.
2. Your Current and Future Business Objectives
While there's no way of knowing what the future holds, you should have some powerful tools in your toolbox to help guide your company's next steps: your mission, vision, values, budget forecasts and growth objectives. Together, they will help steer the actions and direction of your business, and they'll give you insight as to the skill sets your employees will need to get you there. So, if you haven't established any of these for your business, start doing so ASAP.
3. Vital Roles and Complementary Skill Sets
There are some roles that, if eliminated, would not greatly impact the overall activities of your business. Some responsibilities become dispensable and others could be easily absorbed by another position.
On the other hand, there are some roles—particularly those in leadership—that are absolutely essential to your daily operations and your future growth and success. So ask yourself: which roles can your business not function without? Write them down. These should be a key consideration in your succession plan.
After identifying those crucial roles, think about the know-how, experience and skill sets that employees in those roles will need in order to be successful.
Both of these actions can help you pinpoint the personnel needs within your business.
4. The Current Skill Sets and Future Aspirations of Your Employees
Take an inventory of the experience and expertise of your employees. Ask yourself:
- Do they already have the skills necessary to fulfill those critical roles?
- Are they capable to take your company in the direction you'd like to head?
- In what areas is your business lacking?
This is something you can uncover with the help of your human resources department and managers. If you don't have a dedicated HR staff, you can ask your employees for a few moments of professional introspection during their routine personnel evaluations. (Also read about the do's and don'ts of employee performance reviews.)
During this process, identify those employees who would be good candidates to step into a leadership role. PeopleScout recommends looking for employees with these types of qualities:
- Flexibility and an openness to changing roles and work environments
- A desire to learn new things and an interest in professional development
- Excellent communication skills and the ability to work well with others
5. Recruitment and Mentorship
If there are talent gaps within your organization, you may need to look beyond the physical (or proverbial) walls of your business and consider hiring outside candidates. Sure, they will need training when they first join your business, but they should bring the right skill sets to augment the process.
If you have current employees who could someday take on a leadership position, think about what a longer-term training program might look like. What additional skills, education or (in some cases) certifications do they need? Do these candidates need to get a sense of the responsibilities in other areas of your business to help them become more knowledgeable and well-rounded? Who are the mentors who can guide these candidates along the way? (Learn more about the importance of business mentorship.)
6. Unexpected Departures
While it may be uncomfortable to think about, it's both practical and necessary to consider what would need to happen if you, your partner or another leader in your business unexpectedly passed away or became unable to work.
The experts at Investopedia report that all business owners should consider two types of succession plans: an emergency plan and a long-term plan.
- An emergency plan maps things out in case a company leader leaves without warning and a new one needs to be appointed immediately.
- A long-term plan is just as the name sounds; it's a strategy that's carried out over a set period of time to prepare the next generation of company leaders.
Purchasing life insurance is one way to help ensure that your business continues to thrive in your absence. This coverage can help with transitioning ownership if that ever becomes necessary. And it can help attract and retain key employees to protect the future of your business.
At Erie Insurance, we offer Key Person Life Insurance and Business Continuation policies to protect you in situations such as these. Our Key Person Protection coverage provides financial assistance to a business following the death of a key employee or owner. And our Business Continuation coverage (which uses life insurance for a buy-sell agreement) establishes a contract that enables a seamless transfer of ownership if an owner passes away.
Contact your local ERIE agent to find out more about your options.
7. Keeping It in the Family, or Not
If you operate a family business, it has its own unique nuances and sets of challenges, especially when it comes to succession planning. Some common questions include:
- Do your children or other family members want to take over the business?
- Do they have the right skill sets and desire to lead successfully?
- Do they fully understand the role and its responsibilities?
- Are there family issues or tensions that need to be addressed before you can move forward?
- Are you willing to adapt and change how things have always been done (in some cases for generations) to ensure the best outcome for your business?
- Will you be able to leave and trust those in charge? Do you even want to keep it in the family?
Start thinking through these questions now to avoid any misconceptions, hurt feelings or even lawsuits later.
8. Your Support Team
As you start down the road of succession planning, keep in mind that you don't have to do it alone, especially if you're a small business owner. Talk to your accountant, your lawyer and your business insurance agent. Ensure that your human resources department is involved, as well as your board of directors (if you have one). There are even succession planning consulting firms that you can hire. All of them can help advise you on the best strategy for your unique situation.
It's Your Life's Work; Make Sure It's Secure
You've worked hard to build and grow your business. Being covered with business insurance from ERIE gives you the right protection, as well as a team of people you can truly count on to do the right thing when the unexpected happens. From risk control services to flexible payment plans, there are a number of reasons why you should let ERIE protect your business.
Talk to your local ERIE agent today to learn more and get your free quote.
A better insurance experience starts with ERIE.
Haven't heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we've grown to reach the Fortune 500 list, we still haven't lost the human touch.
Contact Trent Insurance Agency today to experience the ERIE difference for yourself.


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Your House May Be High on the Buyer Wish List This Holiday Season
Around this time each year, many homeowners decide to wait until after the holidays to sell their houses. Similarly, others who already have their homes on the market remove their listings until the spring. Let's unpack the top reasons why selling your house now, or keeping it on the market this season, is the best choice you can make. This year, buyers want to purchase homes for the holidays, and your house might be the perfect match.
Here are seven great reasons not to wait to sell your house this holiday season:
1. Buyers are active now. Mortgage rates are historically low, providing motivation for those who are ready to get more for their money over the life of their home loan.
2. Purchasers who look for homes during the holidays are serious ones, and they're ready to buy.
3. You can restrict the showings in your house to days and times that are most convenient for you, or even select virtual options. You'll remain in control, especially in today's sellers' market.
4. Homes decorated for the holidays appeal to many buyers.
5. Today, there's minimal competition for you as a seller. There just aren't enough houses on the market to satisfy buyer demand, meaning sellers are in the driver's seat. Over the past year, inventory has declined to record lows, making it the opportune time to sell your house (See graph below): 6. The desire to own a home doesn't stop during the holidays. Buyers who have been searching throughout the fall and have been running into more and more bidding wars are still on the lookout. Your home may be the answer.
7. This season is the sweet spot for sellers, and the number of listings will increase after the holidays. In many parts of the country, more new construction will also be available for sale in 2021, which will lessen the demand for your house next year.
Bottom Line
More than ever, this may be the year it makes the most sense to list your house during the holiday season. Let's connect today to determine if selling now is your best move.
from Simplifying the Market™ https://ift.tt/3l5ZBcM
via IFTTT The Julian Team San Antonio Area Real Estate (210) 279-8408


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Eikosi Dyo
Hemera lemonerose ring diamonds and sapphires
Shiny delicate ring in gold set with yellow and pink Sapphires aside white diamonds as a fresh pastel spark! Allow the high vibration of the stones to make you shine and feel fully divine!
Gold weight: approx. 0,85 gr
Handcrafted in our workshop in Athens, Greece
The item will be made especially for you, please allow about 5-7 business days for the completion of the order
To obtain your ring size you can go to your local jewellery shop to have your finger sized, measuring your finger with string or paper will not produce accurate measurements; order at your own risk if using sizes obtained in this manner.
Eikosi Dyo delivers to the countries mentioned above, shipping by DHL EXPRESS WORLDWIDE. To find out about the charges according to your geographical zone and shipping time, please refer below.
Product shipped within 5-7 business days once payment is confirmed, you will receive a confirmation email from our website as soon as you have placed your order.
Orders are processed from Athens in Greece. You will be notified via email when your order will be dispatched with tracking information for your package.
Shipping times usually depend on the delivery address, from 1 to 6 days
Eikosi Dyo offers shipping charges for any order equal or up to 300€ in countries of European Union and over 500€ worldwide
All of our deliveries are insured no matter the transport company or the value of the order.
For deliveries to countries outside of Europe, the French VAT (20%) is automatically deducted and you will not be charged for it either at the check out. Customs duties, local taxes, import duties or taxes of State may be due.
The costs and taxes related to the delivery of an item are not billed by, EIKOSI DYO jewellery is not responsible for payment of this duty, but are dependent on and borne by you.
Zone 1: European Community (EU) 15€ - Shipping time from 1 to 2 days
Austria (AT) - Belgium (BE) - Bulgaria (BG) – Croatia (HR) - Cyprus (CY) - Czech Rep., The (CZ) - Denmark (DK) - Estonia (EE) - Finland (FI) - France (FR) - Germany (DE) - Hungary (HU) - Ireland, Rep. Of (IE) - Italy (IT) - Latvia (LV) - Lithuania (LT) - Luxembourg (LU) - Malta (MT) - Monaco (MC) - Netherlands, The (NL) - Poland (PL) - Portugal (PT) - Romania (RO) - Slovakia (SK) - Slovenia (SI) - Spain (ES) - Sweden (SE) - United Kingdom (GB)
Greece (GR): 10€ - Shipping time 1 days
Zone 2: Europe, USA, Canada, Mexico and Russia 20€ Shipping time from 1 to 3 days (depending on custom delay)
Albania (AL) - Andorra (AD) - Belarus (BY) - Bosnia & Herzegovina(BA) - Canada (CA) – Canary Islands, The (IC) - Faroe Islands (FO) - Greenland (GL) - Guernsey (GG) - Iceland (IS) - Jersey (JE) - Liechtenstein (LI) - Mexico (MX) - Moldova, Rep. Of (MD) - Norway (NO )- Montenegro, Rep Of (ME) - Russian Federation (RU) - Switzerland (CH) -Turkey (TR) - Ukraine (UA) - USA (US)
Zone 3: North Africa, Asia 27€ shipping time from 2 to 5 days (depending on custom delay)
Bahrain (BH) - China (CN) - Egypt (EG) - Hong Kong (HK) - India (IN) - Indonesia (ID) - Israel (IL) - Korea, Rep. Of (KR) - Kuwait (KW) - Japan (JP) - Lebanon (LB) - Malaysia (MY) - Macau (MO) - Maldives (MV) - Morocco (MA) - Oman (OM) - Qatar (QA) - Saudi Arabia (SA) - Singapore (SG) - Taiwan (TW) - Thailand (TH) - Tunisia (TN) - United Arab Emirates (AE) - Vietnam (VN)
Zone 4: South America, Australia Africa, Oceania, Dom-Tom 35€ shipping 3-5 days (depending on custom delay)
Argentina (AR) - Australia (AU) - Bolivia (BO) - Brazil (BR) - Cape Verde (CV) - Chile (CL) - Colombia (CO) - Costa Rica (CR) - Falkland Islands (FK) - Fiji (FJ) - Grenada (GD) - Guadeloupe (GP) - Martinique (MQ) - Mauritius (MU) - Mayotte (YT) - Montserrat (MS) - New Caledonia (NC) - New Zealand (NZ) - Reunion, Island Of (RE) - St. Barthelemy (XY) - St. Maarten (XM) - St. Lucia (LC) - Seychelles (SC) - South Africa (ZA) - Tahiti (PF) - Virgin Islands-British (VG) -Venezuela (VE)
Your satisfaction is of great value to us.
All goods may be returned for a refund or exchange; in accordance with article L221-18 of the French Consumer Code, you have fourteen (14) days from the date on which you receive your order to request a return. The jewellery must be returned in their original condition, unused, unworn including their original packaging. Any jewellery returned damaged will be sent back to the client.
In accordance with article L221-23 of the French Consumer Code, the Customer must return the product within fourteen (14) days of notification of his/her return.
Please notify us of this request by emailing : email@example.com we will assit you ;
We will refund the cost of the item(s) less our delivery charge once the goods are returned. In case of an exchange, we offer free shipping for your new order.
In the case of a refund you will be credited directly to your bank account or PayPal account depending on your original method of payment. Please note that refunds may take up to 14 days to complete following the reception of your return.
Please note: you will be responsible for the item(s) until they reach us and we suggest you use a secure delivery service which requires a signature for proof of receipt.
An email will be sent to you confirming that your purchase has been refunded.
If an order is received damaged please do not accept the delivery. If you realize that an order is damaged after opening the parcel, please photograph the damaged item immediately and notify us as soon as possible. Please note that we insure all orders against damage during transit. No reclamation will be accepted after 3 days.
Please note, that international custom charges, duties and sales tax are non-refundable for shipments outside the European Community (EU).
In the event that the return of the product by the Customer is due to an error by the Website, such as a product missing from the order, a non-compliant product or a manufacturing defect in the product, EIKOSI DYO undertakes to refund, in addition to the purchase price of the product, the shipping costs incurred by the Customer for the delivery of the product.
The Customer must report the error by email to email@example.com within a maximum of 48 hours of receiving the order.
When a ring is re-adjusted on a specific size on demand, any jewellery has been modified especially for you, or any particular design made on demand, it becomes custom made and it is not returnable and not refundable.
In accordance with article L121-21-8 of the French Consumer Code, items made to measure (Special Orders) can not be exchanged or refunded.
Do not hesitate to contact us if you have any questions regarding the return or exchange of an item.
Gemstones are miracles of nature, grateful gifts
The name diamond is derived from the Greek 'adamas', meaning invincible.
The symbolism of diamonds conveys messages of rebirth, revival, and transformation, and brings positive mental attitude.
Called the "Stone of Successful Love," Emerald opens and nurtures the heart. It was dedicated in the ancient world to the goddess Aphrodite for its ability to insure security in love. Emerald is an excellent stone for reviving passion, whether for an interest, a person, or a job... and to attract romantic love!
Wearing Gold every day will increase your personal power, infusing you with confidence, courage and willpower. Gold will fill your life with magic and kindness, bringing you success, enthusiasm and happiness.
Considered the most magnificent of all gems, the queen of stones and the stone of kings.. Ruby intensifies the emotions and stokes passions. It can be used as a talisman to bring wealth, joy, love and power.
The Greeks wore it for wisdom at Delphi when seeking answers from the Oracle at Apollo's Shrine. Sapphire the symbol of wisdom and purity, they were worn by kings and queens for good luck and to bring protection, good fortune and spiritual insight.
- Blue: helps with communication, insight, intuition and inspiration
- Yellow: brings wisdom, prosperity and joy, stimulating creative focus and manifesting one's goals and ambitions.
- Orange: a powerful stone for sexual energy and fertility. It brings you joy, success and promotes curiosity and creativity.
- Rose: Stimulates emotions and encourages love, forgiveness, and helps strengthen and balance the heart.
Smoky Quartz
One of the most efficient crystals for grounding and cleansing, it promotes security and stability. An extraordinary amulet of protection, also bringing connection with the natural world.
Tourmaline comes in many varied and beautiful colors; each of them representing a different magical property. It has electric and magnetic properties, enhances energy flow and balances the male and female energies within you. Tourmaline helps you understand yourself and others. It promotes self-confidence.
- Pink: soothes and harmonizes
- Green: feeds your life force
- Blue: calms, and promotes clarity of self expression
- Black: cleanses and purifies your energy
The stone of benevolence, vitality, prosperity, vigor, and compassion. Tsavorite is connected with the principle of love. It improves clarity of perception, knowledge about love, and understanding for your partner.


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Contract worker behind Navy Yard shooting rampage
Published 12:00 am Tuesday, September 17, 2013
WASHINGTON (AP) — The deadly attack at the Washington Navy Yard was carried out by one of the military's own: a defense contract employee and former Navy reservist who used a valid pass to get onto the installation and started firing inside a building, killing 12 people before he was slain in a gun battle with police.
The motive for the mass shooting — the deadliest on a military installation in the U.S. since the tragedy at Fort Hood, Texas, in 2009 — was a mystery, investigators said. But a profile of the lone gunman, a 34-year-old Aaron Alexis, was coming into focus. He was described as a Buddhist who had also had flares of rage, complained about the Navy and being a victim of discrimination and had several run-ins with law enforcement, including two shootings.
U.S. law enforcement officials told The Associated Press that Alexis had been suffering a host of serious mental issues, including paranoia and a sleep disorder. He also had been hearing voices in his head, the officials said. Alexis had been treated since August by the Veterans Administration for his mental problems, the officials said. They spoke on condition of anonymity because the criminal investigation in the case was continuing.
The Navy had not declared him mentally unfit, which would have rescinded a security clearance Alexis had from his earlier time in the Navy Reserves.
Family members told investigators Alexis was being treated for his mental issues.
The officials also said there has been no connection to international or domestic terrorism and investigators have found no manifesto or other writings suggesting a political or religious motivation for the shooting.
Monday's onslaught at a single building at the highly secure Navy Yard unfolded about 8:20 a.m. in the heart of the nation's capital, less than four miles from the White House and two miles from the Capitol.
It put all of Washington on edge. Mayor Vincent Gray said there was no indication it was a terrorist attack, but he added that the possibility had not been ruled out.
"This is a horrific tragedy," Gray said.
Alexis carried three weapons: an AR-15 assault rifle, a shotgun, and a handgun that he took from a police officer at the scene, according to two federal law enforcement officials who spoke on condition of anonymity because they were not authorized to discuss the investigation. The AR-15 is the same type of rifle used in last year's mass shooting at a Newtown, Conn., elementary school that killed 20 students and six women. The weapon was also used in the shooting at a Colorado movie theater that killed 12 and wounded 70.
For much of the day, authorities said they were looking for a possible second attacker who may have been disguised in an olive-drab military-style uniform. But by late Monday night, they said they were convinced the shooting was the work of a lone gunman, and the lockdown around the area was eased.
"We do now feel comfortable that we have the single and sole person responsible for the loss of life inside the base today," Washington police Chief Cathy Lanier said.
President Barack Obama lamented yet another mass shooting in the U.S. that he said took the lives of American "patriots." He promised to make sure "whoever carried out this cowardly act is held responsible."
The FBI took charge of the investigation.
The attack came four years after Army psychiatrist Maj. Nidal Hasan killed 13 people at Fort Hood in what he said was an effort to save the lives of Muslims overseas. He was convicted last month and sentenced to death.
In addition to those killed at the Navy Yard, eight people were hurt, including three who were shot and wounded, according to the mayor. Those three were a police officer and two female civilians, authorities said. They were all expected to survive.
The dead ranged in age from 46 to 73, according to the mayor. A number of the victims were civilian employees and contractors, rather than active-duty military personnel, the police chief said.
At the time of the rampage, Alexis was an employee with The Experts, a company that was a Defense Department subcontractor on a Navy-Marine Corps computer project, authorities said.
Valerie Parlave, head of the FBI's field office in Washington, said Alexis had access to the Navy Yard as a defense contractor and used a valid pass.
Alexis had been a full-time Navy reservist from 2007 to early 2011, leaving as a petty officer third class, the Navy said. It did not say why he left. He had been an aviation electrician's mate with a unit in Fort Worth.
A convert to Buddhism who grew up in New York City, Alexis had had run-ins with the law over shooting incidents in 2004 and 2010 in Fort Worth and Seattle and was portrayed in police reports as seething with anger.
The Washington Navy Yard is a sprawling, 41-acre labyrinth of buildings and streets protected by armed guards and metal detectors, and employees have to show their IDs at doors and gates. More than 18,000 people work there.
The rampage took place at Building 197, the headquarters for Naval Sea Systems Command, which buys, builds and maintains ships and submarines. About 3,000 people work at headquarters, many of them civilians.
Witnesses on Monday described a gunman opening fire from a fourth-floor overlook, aiming down on people on the main floor, which includes a glass-walled cafeteria. Others said a gunman fired at them in a third-floor hallway.
Patricia Ward, a logistics-management specialist, said she was in the cafeteria getting breakfast.
"It was three gunshots straight in a row — pop, pop, pop. Three seconds later, it was pop, pop, pop, pop, pop, so it was like about a total of seven gunshots, and we just started running," Ward said.
Todd Brundidge, an executive assistant with Navy Sea Systems Command, said he and co-workers encountered a gunman in a long hallway on the third floor. The gunman was wearing all blue, he said.
"He just turned and started firing," Brundidge said.
Terrie Durham, an executive assistant with the same agency, said the gunman fired toward her and Brundidge.
"He aimed high and missed," she said. "He said nothing. As soon as I realized he was shooting, we just said, 'Get out of the building."'
Officials announced early Tuesday that streets around the Navy Yard that were closed after the shooting were re-opened for the morning commute.
As emergency vehicles and law enforcement officers flooded the streets Monday, a helicopter hovered, nearby schools were locked down and airplanes at Reagan National Airport were grounded so they would not interfere with law-enforcement choppers.
In the confusion, police said around midday that they were searching for two accomplices who may have taken part in the attack — one carrying a handgun and wearing a tan Navy-style uniform and a beret, the other armed with a long gun and wearing an olive-green uniform. Police said it was unclear if the men were members of the military.
But as the day wore, police dropped one person and then the other as suspects. As tensions eased, Navy Yard employees were gradually released from the complex, and children were let out of their locked-down schools.
Adm. Jonathan Greenert, chief of naval operations, was at the base at the time the shooting began but was moved unharmed to a nearby military installation.
Anxious relatives and friends of those who work at the complex waited to hear from loved ones.


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The following exchange has played out over and over in the last ten days:
Point: "NBC's coverage of the Olympics stinks, because everything is tape-delayed and cut to shreds, and also the announcers are awful and they only care about American athletes, and by the time I get to watch anything, I already know what happened."
Counterpoint: "People are watching in huge numbers."
Point: "But quality."
Counterpoint: "But business."
There have been some efforts to elaborate on just how thoroughly P and CP in this example are talking past each other; notably, Will Leitch, who wrote a very good piece last week making a lot of solid points about how most people aren't on Twitter, so the existence of Twitter frustrations isn't a good business reason to change the coverage when most people are watching it on television and — presumably because the ratings are high — they're all happy.
But there are a few flaws in Leitch's argument, I think, particularly because I sense in it the logical fallacy that if you're hearing the annoyance mostly on Twitter and most people aren't on Twitter, that means most people aren't annoyed and don't care about the tape delay.
In fact, just as every angry letter to a public official represents the views of many who don't write letters, the people griping on Twitter undoubtedly are joined in their frustrations by countless people who are not on Twitter, and I'm sure plenty of evening-show watchers would rather see more stuff live — and more actual sports, and fewer fawning profiles, and less obsessive focus on American athletes, and important events not kicked to the 11:30-midnight slot (!) and all the other things that have been grouped under the general heading of complaining about the way NBC has been covering London. And they likely feel that way whether they're into social networking or not.
It's not as if the people on Twitter aren't also watching the evening broadcasts; you can see them watching and hating the coverage every night in real time. It's some of the same people. That's obviously not to say Twitter is representative of the entire population; far from it. But when it comes to complaining about this stuff, it may not be the tip, but it's probably not the whole iceberg, either.
I'm also not sure there's quite as much of a disconnect between serving the angry-Twitter-real-time people and serving the evening-TV audience as some others do. Nobody is suggesting they can't produce the tape-delayed evening show for people who want it; the question is more whether it would be nice to also have the option of watching high-profile events like Usain Bolt's races or the gymnastics finals when they're live. There's space on cable, after all.
The entirely fair point isn't really that not enough people are annoyed, since lots of people are annoyed. It's that not enough annoyed people are annoyed enough — specifically, they aren't annoyed enough not to watch, and unless they are, there's no business reason to care about their satisfaction. And if we're arguing about profits and how to make them, that's the right analysis.
Ultimately, though, we are still talking right past each other, because "good business" is not an answer to "bad quality" any more than "bad business" is an answer to "good quality." Sometimes severely compromised quality is good business — that seems to be the case here, where however frustrated people are, it's not keeping them from tuning in and giving NBC huge ratings, so from a purely business perspective, why change anything?
That's true, and yet I bristle at the idea that this is the one truly savvy position to hold, as is implied when Leitch — a bit patronizingly, I think — asks whether those dissatisfied with the coverage understand that NBC is in business to make money. The idea that complaining about coverage choices is wrongheaded because those choices work with the existing business model is absolutely accurate if you are an investor or a business analyst, and it's an entirely appropriate part of your analysis if you work for NBC.
But it's wholly unsatisfying if you are a viewer or a critic and you could honestly give a sparkly purple leotard whether NBC is making money or not, because you are there to discuss whether the coverage is good or bad, not whether it is profit-drawing. It's one thing to suggest that business strategists should care only about the bottom line and the business plan when being critical; it's quite another to suggest that everyone should. People aren't tweeting "#NBCFail" to mean "NBC [is failing to make any money]," or they'd have knocked it off after the huge ratings for the opening ceremonies.
In my experience, when critics savage Two And A Half Men, no one eye-rolls that CBS is in business to make money. When the Emmys nominate mostly little-seen series as the best of television, no one says they should be considered failed projects because they don't really align with the business plan. There are multiple ways to fail and multiple ways to succeed, and when audiences complain about the coverage they're getting, it's not usually because they think it won't enrich the company.
Of course, both critics and viewers sometimes wander into a minefield by couching their creative/critical dissatisfaction in business-strategy terms when they don't necessarily know what they're talking about. It wouldn't be hard to dig up criticism of NBC's London coverage that suggested it would surely lose them viewers and therefore profits, which it hasn't. When you're evaluating quality, it's smart not to tell people that you could do their jobs better than they do when their jobs go well beyond evaluating quality. As in all things, it's good to stick with what you know.
On the flip side, NBC has stumbled when it tries to defend these business decisions as creative ones, as with the claim that the opening ceremonies couldn't be shown live because we needed their commentators to explain them to us.
The element missing from the discussion is that the Olympics are among the only sports broadcasts reviewed by regular TV-beat critics and by viewers not only as good television or not, but as good stewardship or not.
The Olympics are a massive, worldwide event that a lot of people love, and NBC is the only broadcaster that can bring it to American television. When you know that a race's results have already hit other people's newspapers, but you haven't even seen it yet, what you experience is not just the disappointment of a fan spoiled about Breaking Bad. It's the sense that you have been deprived of participation in something big that you could have shared with a lot of people in a lot of countries. That was particularly true with regard to the opening ceremonies and the Parade of Nations. There may not be good hard-headed business sense in wishing we'd been able to watch all of that live, but for a lot of people, there is simple common sense.
Whether it's naïve or not, a lot of fans of the Olympics believe that broadcasting the Games is — at some level, in some part, with however many caveats you might want to apply — a public trust. That doesn't mean they don't understand that NBC is in business to make money. Everyone who watches the Olympics knows that NBC is in business to make money. If you miss it, they show you some more promos for the fall season.
But being in business to make money would never be used as an exasperated excuse for delaying the broadcast of any other major breaking news event into prime-time to improve ratings, because people take for granted that there's a larger responsibility at issue. And some people who love the Olympics — not all, but some — see similar irresponsibility in separating the audience from one of the few things that people around the world pay attention to at the same time. (This is what makes it somewhat perverse to me that news organizations that report the news when it happens rather than sitting on the tape for eight or ten hours, and don't adequately accommodate the consequences of said tape-sitting, somehow wind up playing defense.)
Everybody understands that it's a money/ratings game. There are certainly those who say NBC is missing the changes in media that will one day make this kind of broadcasting untenable — I said so myself more than two years ago during the Vancouver Olympics, when the delay situation was nowhere near as dire as it's been this summer. It's possible to understand that it's not necessary to change now in order to continue making money and yet still think that somebody had better start planning for what this will look like in the future, because it's not going to look like this.
In fact, you can see the coverage experimentation that might one day lead to a different model. There have been technical problems and access problems with the live streams of the Olympics, but the live streams themselves have often been wonderful viewing. I've become particularly smitten with "Gold Zone," the live stream that moves from event to event, getting all the big stuff as it's happening live and also sampling from lots of sports. It's allowed me to watch a bunch of stuff I otherwise would not have seen — judo, table tennis, badminton, whitewater canoe, trap shooting, archery. It has a Twitter feed that runs alongside it that's as spry, minimalist, informative and curious as the evening broadcasts are somehow simultaneously empty and bombastic.
All the griping that's taken to be so naïve is what's going to continue to drive that experimentation with streaming. And eventually, they will improve the technology so it works better, and they'll come up with a solution for cord-cutters, and they'll probably make it available on set-top boxes like Apple TV and Roku. How can they not? What other direction is there to go? What direction is the rest of television going?
The more of the Games I've watched this year during the day when they're live, the more I've come to see the evening broadcast as a kind of highlights show. And there's nothing wrong with a highlights show. But surely, it's okay to critique a highlights show for having too many James Bond segments and not enough actual sports. Surely, it's okay to believe NBC is failing, not as a business, but creatively and — more fundamentally — with regard to that thread of public trust?
As long as there are stadium-sized bags of money rolling in (or at least more money than they feel they'd make with other models), nobody can really claim that NBC is not doing right by its shareholders. But that doesn't close the question of whether it's doing right by its viewers. To the complainers who helped push us toward the live streams, I thank you. Resume bellyaching.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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