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Topic: Sewing FAQ's
Normally this would be Fun With Fabric Friday. But I don't have any new fabrics to show off. I do however have a link for a little sewing notion projects that I think EVERYONE who sews needs: farbric covered pattern weights.It's the answer to the common "what do I use when I can't use pins?" question.
If you go to enough sewing websites and read enough books you'll hear about pattern weights for fabrics than can be damaged by pin holes. Often they show larger heavy washers from the hardware stores. And as everyone who has tried this will tell you: The metal can and will flake off and stain your fabric. If it's the underside of a heavy fake leather this isn't an issue -if your unpinnable fabric is a super fine cotton voile in white -the grey rings are a BIG problem. Good idea, doesn't work in reality.
Which is why this handy little tutorial is so great: https://www.craftsy.com/blog/2015/04/diy-pattern-weights/?_cb this tells you how to cover large heavy washers with fabric yoyo's. Even though it shows sixteen steps all are quite easy and quickly accomplished. You can make them as large or as small as you wish. If you want to combine washers in a stack to make them heavier you can do that too. Use a bit of gorilla or super glue and those suckers will be stuck together forever.
My local hardware store also sell small metal nuts, bolts and washer in bulk and these can be sued as weights in little bean bag pattern weights. I hate wasting food -such as the recommended rice and beans -in them, and many places no longer sell small lead shot by the pound. Something about weaponizing them -so small nuts, bolts etc. makes a good substitute.
You can also buy pattern weights but they are quite expensive and many are simply larger heavy machinery washers dipped in a plastic coating. Again, you can get larger washers at the hardware store and many of these stores also sell plastic dip coating in the paint section. Save some money and do it yourself. All plastic coatings come with instructions for use so read the label and follow the instructions.
And there you have it! Pattern weights that look good, don't waste rice or beans and are simple to make.
Posted by lincatz at 9:44 AM EST


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Not all that venture in multi-level marketing company be successful. Among the reasons they stop working is they are not ready to do the all the needed work. They have this concept in mind that a multi-level marketing company is a get-rich-quick system. It is not. In the beginning, you have to strive to develop your group. It takes a great deal of work from marketing the services and products, recruiting people to join your group, to educating them to become potential leaders. Every one of this job needs time. As soon as you establish your team and also all the individuals below you do their work, then you will certainly be able to delight in a continual circulation of revenue.
Very same chooses recording. If you understand what you are performing in a residence recording workshop, by all ways do your trial there. Otherwise, I advise you to have it skillfully done. This will do two things: 1) you will certainly believe twice around your product as well as ensure it prepares before putting down money to videotape it, and also 2) you will obtain a recording to be proud of. Your goal is to create a hit track, so don't torpedo your superb work with a poor recording.
The mlm sector is growing. As a matter of fact, a whole lot of individuals all over the globe enjoy multi level marketing. What makes network marketing/multilevel advertising interesting several is the chance to make loan right in the convenience of your house. This is the identical core concept of ACN Products business. American Communications Network is a legit multilevel advertising and marketing service. It has terrific services and products, a training group, a target audience, and also excellent compensation plan.
American Communications Network is a straight marketing company that has actually remained in the market for greater than Two Decade. It is a multi-level advertising and marketing service established in 1993 and throughout the years, it has actually efficiently placed itself to the top. Today, it is among the very reliable as well as most relied on multi-level marketing company not just in the United States but on the planet.
Attaining Success In Acn Could Be Done Making Use Of The Complying With Methods:
Internet marketing such as ACN objectives you can look here in order to help you live the life you constantly desired, a life devoid of economic fear. Being a multi level marketer, you need to treat it as an organisation. Support it. Strive for it. Most importantly, be open to finding out brand-new things and skills. ACN Telecommunications is an ideal opportunity to individuals that intend to succeed in the multilevel advertising and marketing sector.
The cold market is merely people you have actually never fulfilled. Commonly, this was done by putting ads in magazines, newspapers, sending by mail campaigns, etc. Only the picked few that could afford a regular monthly advertising budget in the thousands of bucks would certainly ever before achieve success by connecting with cool market customers.
Nonetheless, exercising 3 times a day, 7 days a week is not going to make you an excellent baseball gamer if you are exercising with a tennis racket. You require to be complying with an organized training strategy, as well as Site de ressource similaire doing the appropriate training in order to be the most effective. The same goes with being an ACN reviews rep. You need to be complying with a well believed out business approach, targeting who you think will certainly produce one of the most revenue for your company. If you assume you can make one of the most sales from 18-24 year old professionals, after that concentrate on this section. Don't try to require sales into the 65+ market- you could be throwing away valuable time.
ACN is a legitimate business started by leading multi level marketer. The possibility of becoming effective in this company is high as long as you want to place in the much required job, devotion, as well as perseverance. Come to be an independent company owner of ACN as well as you will certainly be able to appreciate time and monetary liberty.
Other programs premiering tonight include the period premieres of "Community," "Parks as well as Recreation" and also "The Office" on ABC, "The Mentalist" and also "The Big Bang Concept" on CBS.

subset: commoncrawl


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Outrageous Service goes the extra mile to benefit clients
(PRWEB) April 15, 2015
Texas based insurance center, Bluebonnet, is proud to announce the launching of a new website with cutting edge technology to not only ensure clients with the most up to date insurance coverages, but to also gain exposure to all major insurance markets. The center has over 30+ years of business in Texas and over 10 years' experience in the insurance industry and the support of several Texas organizations.
Bluebonnet's website is not only user friendly, it is your one stop shop for the A plus insurance. A customer can choose to look up auto, home, property, and business insurance. Also, the interface allows customers to click on "Get a quote" by filling out a simple form depending on the insurance type needed.
The trusted insurance center for over 30 years in Texas, visitors of the website can also scroll through current customer testimonials. Small business owner Susan F. says, "Surprisingly flexible and in-touch with my needs as a small business owner. Can't ask for more."
Bluebonnet, targets an audience specifically to the greater San Antonio and Austin Markets as well as priding itself to serve small to mid-size commercial organizations. The center is a proud provider or Allied Insurance, AIG, Liberty Mutual, Nationwide Insurance as well as many more. Since 2008, Bluebonnet has operated on two principles: a commitment to outrageous service and a quick response.
Bluebonnet Insurance Center is committed to building long-lasting relationships with Texas residents and beyond. To be a part of the agency's thrilling development, fill out a free quote form online or get social with the friendly agents. Interested in learning more? Call the main office 210-762-5021. Share in the excitement of the cutting edge technology website insurance experience today!
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Main office: 210-762-5021
Toll free: 877-541-3331
Fax: 866-229-2487


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Acts 2:38 - Then Peter said unto them, Repent, and be baptized every one of you in the name of Jesus Christ for the remission of sins, and ye shall receive the gift of the Holy Ghost.
Acts 19:6 - And when Paul had laid [his] hands upon them, the Holy Ghost came on them; and they spake with tongues, and prophesied.
Ephesians 1:13 - In whom ye also [trusted], after that ye heard the word of truth, the gospel of your salvation: in whom also after that ye believed, ye were sealed with that holy Spirit of promise,
Luke 11:13 - If ye then, being evil, know how to give good gifts unto your children: how much more shall [your] heavenly Father give the Holy Spirit to them that ask him?
Acts 1:8 - But ye shall receive power, after that the Holy Ghost is come upon you: and ye shall be witnesses unto me both in Jerusalem, and in all Judaea, and in Samaria, and unto the uttermost part of the earth.
John 3:5 - Jesus answered, Verily, verily, I say unto thee, Except a man be born of water and [of] the Spirit, he cannot enter into the kingdom of God.
Romans 8:26 - Likewise the Spirit also helpeth our infirmities: for we know not what we should pray for as we ought: but the Spirit itself maketh intercession for us with groanings which cannot be uttered.
Acts 2:4 - And they were all filled with the Holy Ghost, and began to speak with other tongues, as the Spirit gave them utterance.
Acts 1:5 - For John truly baptized with water; but ye shall be baptized with the Holy Ghost not many days hence.
Acts 2:1-4 - And when the day of Pentecost was fully come, they were all with one accord in one place. (Read More...)
Joel 2:28-29 - And it shall come to pass afterward, [that] I will pour out my spirit upon all flesh; and your sons and your daughters shall prophesy, your old men shall dream dreams, your young men shall see visions: (Read More...)
Acts 1:4 - And, being assembled together with [them], commanded them that they should not depart from Jerusalem, but wait for the promise of the Father, which, [saith he], ye have heard of me.
John 7:37-39 - In the last day, that great [day] of the feast, Jesus stood and cried, saying, If any man thirst, let him come unto me, and drink. (Read More...)
1 Corinthians 14:1-40 - Follow after charity, and desire spiritual [gifts], but rather that ye may prophesy. (Read More...)
Luke 3:16 - John answered, saying unto [them] all, I indeed baptize you with water; but one mightier than I cometh, the latchet of whose shoes I am not worthy to unloose: he shall baptize you with the Holy Ghost and with fire:
Acts 19:1-6 - And it came to pass, that, while Apollos was at Corinth, Paul having passed through the upper coasts came to Ephesus: and finding certain disciples, (Read More...)
John 4:10-14 - Jesus answered and said unto her, If thou knewest the gift of God, and who it is that saith to thee, Give me to drink; thou wouldest have asked of him, and he would have given thee living water. (Read More...)
Acts 2:33 - Therefore being by the right hand of God exalted, and having received of the Father the promise of the Holy Ghost, he hath shed forth this, which ye now see and hear.
Topics and verses are auto-generated from user searches. If a verse or topic does not belong, please contact us. Some scripture references/categories courtesy of Open Bible .info under CC BY 3.0
Related Bible Dictionary Terms:
Ghost Holy Ghost Holy of holies Holy place Spirit Holy
Search the King James Version (KJV) for more references about Receiving The Holy Ghost...
Bible Verses About God
Bible Verses About Children
Bible Verses About Divorce


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A movie log formerly known as Bookishness / By Charles Matthews
"Dazzled by so many and such marvelous inventions, the people of Macondo ... became indignant over the living images that the prosperous merchant Bruno Crespi projected in the theater with the lion-head ticket windows, for a character who had died and was buried in one film and for whose misfortune tears had been shed would reappear alive and transformed into an Arab in the next one. The audience, who had paid two cents apiece to share the difficulties of the actors, would not tolerate that outlandish fraud and they broke up the seats. The mayor, at the urging of Bruno Crespi, explained in a proclamation that the cinema was a machine of illusions that did not merit the emotional outbursts of the audience. With that discouraging explanation many ... decided not to return to the movies, considering that they already had too many troubles of their own to weep over the acted-out misfortunes of imaginary beings."--Gabriel García Márquez, One Hundred Years of Solitude
Monday, March 6, 2017
Stage Fright (Alfred Hitchcock, 1950)
poison at the box office" by a disgruntled exhibitor in 1938, a label that helped push many of her contemporaries -- Greta Garbo, Norma Shearer, Luise Rainer -- into early retirement. Dietrich was made of sterner stuff, and after a celebrated turn entertaining American troops during World War II, she carved out a second film career by taking on character roles in films by major directors like Billy Wilder in A Foreign Affair (1948) and Witness for the Prosecution (1957), Fritz Lang in Rancho Notorious (1952), Orson Welles in Touch of Evil (1958), and Alfred Hitchcock in Stage Fright. Of these, the Hitchcock film is surprisingly the least memorable. It may be that Dietrich, who had learned everything she could about lighting and camera angles from Sternberg and cinematographers like Lee Garmes, was too much the diva for Hitchcock, who liked to be in control on his sets. But the fact remains that she is probably the most interesting thing about Stage Fright, a somewhat overcomplicated and sometimes scattered mystery in which we pretty much know whodunit from the beginning. Her appearances often come as a welcome relief from the rather tepid romantic triangle involving the characters played by Jane Wyman, Richard Todd, and Michael Wilding. Dietrich sings -- if that's the right word for what she does, being more diseuse than singer -- a few songs, including "La Vie en Rose" and Cole Porter's "The Laziest Gal in Town," and wears some Christian Dior gowns as Charlotte Inwood, the star of a musical revue in London, who bumps off her husband with the help of her lover, Jonathan Cooper (Todd), who is also the lover of a young student at the Royal Academy of Dramatic Art, Eve Gill (Wyman). But Eve also gets caught up in the murder plot when she falls for the detective investigating the case, Wilfred Smith (Wilding). Also providing relief from the romantic plot are Alastair Sim and Sybil Thorndike as Eve's separated and slightly eccentric parents, and some funny cameos by Miles Malleson and Joyce Grenfell. The screenplay is by Whitfield Cook from an adaptation by Alma Reville of a novel by Selwyn Jepson. There are some clever Hitchcockian moments, including a flashback that turns out to be a complete misdirection and some skillful tracking shots by cinematographer Wilkie Cooper. But Wyman, the only American-born member of the cast, feels out of her element, and Wilding turns his character into a moonstruck milksop. (Whatever did Elizabeth Taylor see in him?)
Posted by Charles Matthews at 11:14 AM
Links: Alastair Sim, Alfred Hitchcock, Alma Reville, Jane Wyman, Joyce Grenfell, Marlene Dietrich, Michael Wilding, Miles Malleson, Richard Todd, Stage Fright, Sybil Thorndike, Whitfield Cook, Wilkie Cooper
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Studies done by the National Survey on drug Use and Health, as cited by the National Council on Alcoholism and Drug Dependence, show that around 20 million Americans aged 21 and above have experimented with one form or drug or another within the last 30 days. While many people who experiment with drugs desist from the habit completely, others stay on this path to destruction and later become addicted to drugs. Fortunately, there's help to people suffering from drug addiction. At Detox of South Florida, we assist people with drug addiction problems to lead a normal healthy and drug-free life. We have assisted many people to overcome drug addiction with the help of our highly competent and experienced team of professionals. We will always be on your side on your journey to recovery from drug addiction.
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Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. We use regular Malware Scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.
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We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
We do not include or offer third-party products or services on our website. Google Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en We have not enabled Google AdSense on our site but we may do so in the future.
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We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
It's also important to note that we do not allow third-party behavioral tracking COPPA (Children Online Privacy Protection Act) When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online. We do not specifically market to children under 13.
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify the users via email • Within 7 business days We will notify the users via in-site notification • Within 7 business days We also agree to the Individual Redress Principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your email address in order to: Contact you about your interest in our services
If at any time you would like to unsubscribe from receiving future emails, you can email us at and we will promptly remove you from ALL correspondence. Contacting Us If there are any questions regarding this privacy policy you may contact us using the information below. www.detoxofsouthflorida.com 608 NE 2nd Ave Okeechobee, Florida 34972 United States firstname.lastname@example.com Last Edited on 2016-04-12
Rate our Detox and Rehab center services
Gastroenterologist and medical professional focused on addiction.
Doctor of internal medicine, C.F.O. He is Instrumental in the success of Detox of South Florida. He is known for his cheerful, ever happy and helpful attitude.
Doctor of internal medicine and medical director. She is known for her ethical practice and expertise in the various detox protocols and programs
Director of admissions.
Director of nursing.
Clinical director.
Director of operations.
Office management.
Research studies on addiction treatment have shown that some alcohol and substance addiction treatment and follow-up procedures are more successful than others. At Detox of South Florida, we emphasize on using the best approaches in alcohol or drug detox.
Our goal is to ensure that all our patients regain their physical and mental states of health. Our treatment is therefore tailored to address each patient's unique conditions. The treatment involves a combination of detoxification procedures such as opiate detox, alcohol detox, and heroin detox, just to mention a few, with other intervention procedures such as group and individual therapy, relapse prevention education, after-care planning, and in-house completion programs aimed at ensuring long-term sobriety and prevention of relapses.
Every patient has his or her unique type and level of addiction which is why the treatment period will normally vary from one individual to another. While some patients go through a 30-day rehab program, others will require a 60-day or 90-day program to recover from alcohol or drug addiction. The time it takes to recover will depend on the assessment report provided by the assigned medical professional who evaluates your case.
As the best rehab in Florida, we believe a relapse should not be viewed as a failure but rather as a sign to help you get back on track by making necessary adjustments to your treatment.
Our rates generally depend on the services provided. The overall cost will be determined by factors such as professional treatment fees, facilities, food, and utilities.
Unlike other addiction treatment centers across the country, at Detox of South Florida, we take your treatment and recovery process very seriously. Your treatment against addiction is a comprehensive process that may be affected by unwarranted interruptions. All visitations must, therefore, be approved well in advance by the treating therapist. We do this to ensure that your safety, focus on recovery, and stability are maintained at all times. The only visitors allowed are significant members of your family and close friends.
When I first arrived I was very nervous and I kept thinking what have I done, 3weeks later, I was clean!... read more
When I first arrived I was very nervous and I kept thinking what have I done, 3weeks later, I was clean! It was the hardest thing I've ever done! With all the love from staff and people in detox, I got through, day by day! It was like a family! Everyone was so kind and caring! Best thing I've ever done for ME?
I was in really bad shape when I entered the detox . I had severe withdrawals from heroin and... read more
I was in really bad shape when I entered the detox . I had severe withdrawals from heroin and they were quick to address them From top to bottom, this is a fantastic place to detox. The doctors, nurses, counselors, staff - and especially the techs - are incredible and caring. The facility is clean and the food is good. The rooms are simple but sufficient. I would highly recommend Detox of South Florida to anyone that is serious about overcoming their addiction(s).
Naturalistic remedies are available which could ease both physical and emotional discomfort.... read more
Naturalistic remedies are available which could ease both physical and emotional discomfort. I learned some breathing techniques and art of balancing life. My body and mind are at peace! Heal yourself!
I've been to multiple treatment centers and detox. Bar none, Detox of South Florida is the best care I have received.... read more
I've been to multiple treatment centers and detox. Bar none, Detox of South Florida is the best care I have received. The staff is compassionate and upbeat. The supervisor (behavioral health tech) Kevin is caring and works hard to make sure all patients are safe and well taken care of. I am grateful for this facility and hope anyone in need of detox chooses this place. The facility is clean and the food is good. I am a critical person and cannot find any issue to complain about. If you have any problem while you are here, the techs and Kevin help resolve the issue in a professional manner. If Roger Ebert was still alive, he would give Detox of South Florida two thumbs up! I am happy to be here and I know anyone that comes here will be happy too.
Throughout the program, assessment was done based upon my individual need... read more
Throughout the program, the assessment was done based upon my individual need. My addiction severity on heroin was gradually decreased and I gained mental health after the course. The best place to find yourself!
I was suffering from depression and unhealthy habits which couldn't be reduced even after consulting many doctors.... read more
I was suffering from depression and unhealthy habits which couldn't be reduced even after consulting many doctors. Had a visit to this center and they completely changed my lifestyle. Improved my self-awareness and trained me to manage stress. Best place for treating pain and anxiety!
The care I received at Detox of South Florida was the outstanding. The staffs are so kind full with patience.... read more
The care I received at Detox of South Florida was the outstanding. The staffs are so kind full with patience.
The detox of SF was outstanding with their technology,care and Staffs are very friendly. Highly recommended !!!... read more
The detox of SF was outstanding with their technology,care and Staffs are very friendly. Highly recommended !!!
The care I received at Detox of SF was the best. The staff, from the doctors, nurses and techs, all were so caring... read more
The care I received at Detox of SF was the best. The staff, from the doctors, nurses and techs, all were so caring and made this experience as painless as possible. They really care and it means the world. They listen to what you have to say and your needs and go above and beyond to help in any way possible. Mark especially, was amazing. I'm so thankful for all they have done to help get my life and also my friend's life back. They even let him come here as a scholarship when his insurance wasn't accepted. I highly recommend Detox of SF to anyone struggling with addiction.
The gave best quality treatment to my boyfriend that was awesome now he is perfectly healthy.... read more
The gave best quality treatment to my boyfriend that was awesome now he is perfectly healthy.
They reduced all my negative behaviors through a systematic approach. I am calm... read more
They reduced all my negative behaviors through a systematic approach. I am calm and matured after their therapy. Staffs are so kind and gentle!
I am so blessed to work for such an amazing company. Being the Director of Admissions at Detox of South Florida... read more
I am so blessed to work for such an amazing company. Being the Director of Admissions at Detox of South Florida, I've seen first hand how many lives we have saved. Never have I seen or worked for a company that has helped more people, with or without insurance. The owners of the Detox of South Florida truly care. From the BHT's to Clinical and Medical, everyone works together as a whole to make sure the needs of our clients are met and they get the best care in order to obtain long-term recovery.
"Experience and Knowledge We have the experience and knowledge necessary to keep you safe through every step of the detoxification process. With our Florida Detox staff experts by your side, it is easier to feel confident in every decision you make. "


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EUR/SGD: Fundamental Review & Forecast
We have an extremely rapid upward trend but it seems like the peak has been reached.
It is difficult to imagine a more rapid upward trend than we can see on the EUR/SGD chart. The Euro strengthened against many currencies, but this did not lead to such a significant increase relative to another currency. At the moment it is likely that the price has reached a peak, especially amid disappointing statistics from the Eurozone. This week the market received data that indicates slower economic growth in the EU. Germany's GDP in the 2nd quarter amounted to only 0.8% yoy, while the market expected a GDP growth of 1.9%. The volumes of industrial manufacturing in the Eurozone fell in June by 0.6%, although this is in line with expectations. The eurozone's GDP is only 0.6% in Q2, which is also in line with the expectation of investors.
Thus, the Euro doesn't have enough stimulus for growth. The Singapore dollar gets the opportunity to consolidate at least at the current levels and prevent a further falling in price. During the last five months the SGD has changed in price from 1.4845 EUR up to EUR 1.602. It should be noted that the Singapore dollar is now at the level of November 2015. This is another reason why we say that the peak has been reached.
Next week the Singapore dollar can be supported due to the release of new statistics about industrial production volumes for July and the consumer prices index. The latest data on the economy of Singapore is showing a pretty good economic situation: retail sales in June grew by 1.9% and continue to grow for the fourth consecutive month.
USD/CHF Technical Analysis & Daily Chart
We forecast a bullish movement for the pair in the recent future.
Today we would focus our analysis on the USD/CHF currency pair. The price recently managed to reach areas above 0.9639, and we expect this bullish momentum to continue, possibly as fr as 0.9800.
After trading between 0.9639-0.9600 for several days (which are the 61.8% and 50% Fibonacci levels), the pair overcame this fluctuation and reached a new high at 0.9733. The old resistance at 0.9639 turned into a support level, while the pair acquired a new resistance at 0.9763 (which also helps to form a double top pattern on the chart).
Now the price of the USD/CHF can be seen oscillating between 0.9693 and 0.9763. It is demonstrating a markedly bullish character; the RSI indicator also agrees that the pair is located in a bullish trend.
This is why we expect that the USD/CHF would be able to break its nearby resistance level at 0.9763 and continue moving upward. Our next resistance today is located at 0.9800 and might also be tested, if the first one is successfully overcome. As long as the pair is able to stay above its older channel at 0.9639-0.9600, then expect further growth.
At the moment of this article's publication the pair is trading around 0.9650 and most trading indicators show a strong sell suggestion.
CAD/JPY: fundamental review and forecast
Positive economic data from Japan significantly impacted the rates. Seems like formation of the new upward trend.
The rates continue in the frames of the upward trend, but we can see on the chart formation of a weak downtrend. Formation of a new trend is based on the decreasing of oil prices and worsening of trade relations between the United States and Canada.
This week the Japanese yen continued to strengthen due to the positive data on the economy. The country's GDP unexpectedly grew in the 2nd quarter by 1%, while it was expected growth in just 0.6%. Such a growth is the most rapid growth in the Japan's economy since more than 2 years. we hadn't seen the same significant growth since the 1st quarter of 2015. In annual terms, GDP growth was +4%, exceeding forecasts in 1.5%. It should also be noted that Japan's GDP grew for the sixth quarter in a row. Consumer spending indicator increased by 0.9% in Q2, exceeding the expected level in almost 2 times. And the volume of industrial production in June rose by 2.2% amid expectations of 1.6%.
Thus, amid extremely positive statistics from Japan, it was very hard for canadian dollar to resist the yen. Strengthening of JPY would be even more rapid, but it was prevented by a factor of geopolitical tensions between the USA and North Korea, although the situation has been normalized to the usual level these week.
Today the market is waiting for information from Canada's index of consumer prices in July, but likely it's not necessary to expect for significant strengthening of the CAD, given that oil is decreasing again amid information about achieving of the maximum levels of shale oil extraction in the USA over the past 2 years. Crude oil stocks fell significantly this week, but the increase in oil production will lead to rapid recovery of oil reserves. In addition, analysts have lowered their forecasts about demand of oil in China. It should be noted that If China started a massive shift to electric transportation, in accordance with the global trend, it would negatively impact the demand for oil in this country in the future.
Oscillators MACD, Stochastics give contrary signals. In this situation, the most optimal would be to open the short deals upon medium term trading. For those who use short term strategies it's possible to open the deals to BUY, in accordance with Stochastics' signal making a profit on the price correction.
Weekly Market Overview
An update on the Euro and the American dollar in light of recent events.
This week our gaze draws back to Europe. In our previous look at the euro we talked about how much it has strengthened this year, based on positive economic reports and favorable election outcomes. Let's take a look at the situation in Europe now.
The euro has been the shining star of Forex trading this year, gaining a remarkable 11.5% on the USD so far in 2017. In recent weeks investors' appetites towards the euro increased amid an expectation that the European Central Bank will change its monetary policy toward a less dovish approach that supports an even stronger euro. Some analysts have even suggested that we may see a parity between the EUR and the British pound in the coming months. However, ECB chief Mario Draghi has not given any real indication that he plans to cut the stimulus program anytime soon.
Now the euro is easing a little bit against the dollar as analysts prepare for the upcoming Jackson Hole conference on August 24-26, where Draghi will speak. The small drops in the price of the euro are likely a result of investors' impatience regarding the ECB decision on monetary policy.
On Wednesday the euro dropped from its 2015 height level and went 2% down to 1.1691 USD and 1.13960 CHF.
Furthermore, the euro was able to gain on the dollar because of the political turmoil in the United States. Recent tensions with North Korea, as well as a neo-nazi attack both rattled the United States over the past two weeks. However, things seem to be cooling down with North Korea, and the US released some favorable data on retail sales (up by 0.6 in July) which helped the USD find a more solid ground. If the economy fares well and inflation increases, investors would again look to the dollar as an attractive trading instrument and expect the Federal Reserve to increase interest rates again.
However, economic data from the United States has fluctuated throughout 2017. Inflation and wage growth haven't been at the expected levels, and the Federal Reserve has been extremely careful about adjusting its policies. This is why right now another rate hike is unlikely. Even if rates are increased in the coming months, analysts don't expect multiple hikes, as was initially planned.
AUD/JPY Technical Outlook & H4 Chart
We have a bearish reversal underway or possibly a buying opportunity.
The AUD/JPY currency pair sold off heavily this month following the retesting of the new area of resistance between 89.00 and 89.30 which we referred to in our last report about the pair. Last week the pair made a top smaller than the previous one, which means we are in a downside wave. We have to be careful because we recognized a bottom higher than the previous one, so that we have two trend lines - one for the uptrend and a second one for the downtrend.
The pair has a support area at 85.70-85.90. The prices reached it last week, so we can expect an upside movement this week, in addition to the pair reaching the 50% from the rising wave from 81.65 to 89.29. We can predict the pair will begin another series of impulse waves.
The Next Few Days
After we analyzed the chart well we can discover that we would work on the breaking out of the pair. If the AUD/JPY breaks the downtrend we will buy the pair and keep our targets at 88.20 and 89.05. Conversely, if it breaks the uptrend we will sell the pair and keep the target at 84.62 (61.8% Fibonacci). Still, we predict the pair will break the downtrend and rise again, so we can take buy positions now with a small lot at the current level 86.15 and keep the T/P level at 86.85, then wait for the breaking out.
This week the markets don't offer any hot news from Australia or Japan but you have to be careful about any uncalendared news that can change the market direction.
The Dollar Moving Down
Amid the latest economic reports, the American currency is losing positions against all major currencies.
The dollar fell sharply against all major currencies after the labor market data release in the US, which was worse than expected. As reported by the US Department of Labor, last month 156,000 jobs were created, which is below the projected 180,000. The indicator for July was revised downwards from 209,000 to 189,000. The unemployment rate rose to 4.4%, instead of the previously forecasted 4.3%. All of this indicates a worsening of the situation on the labor market. The report also shows the average hourly rate grew by 0.1% in August, compared to the expected growth of 0.2%. One of the main indicators of inflation, the Core PCE, has decreased to 1.4%, while at the beginning of the year it was above 1.8%. Such statistics practically leaves no chance for another increase in the discount rate this year.
Federal Reserve representatives have expressed their concerns about the low dynamics of consumer prices over the recent months and its impact on the future monetary policy of the US Central Bank. Soon after the US statistics release, information from the ECB suddenly appeared. Sources in the European Central Bank, quoted by Bloomberg, declared that the plan for ending the quantitative easing program could be ready no earlier than December. "The politicians of the European Central Bank may not be ready to curtail the quantitative easing program until December," the sources said.
After the release of US statistics, the EUR/USD rose 0.5% to 1.1970, approaching a two-and-a-half-year high on Tuesday (1.2069), but after a verbal intervention by the ECB, it returned to 1.1900. Earlier the euro surrendered its position after reports about the increasing number of ECB officials who are concerned about the recent strengthening of the European currency.
USD/CHF Technical Analysis & Daily Chart
With the recent development we see a potential for further growth in the USD/CHF rate.
Today we direct our attention to the USD/CHF currency pair.
The USD/CHF managed to rise above its support level at 0.9558 yesterday and mark new highs near 0.9670. We expect that this movement above the support would persist for a while. The price is approaching the nearby resistance level of 0.9693. If it manages to overcome that, we can see it grow further to the second resistance at 0.9725. As long as the pair moves above the support level at 0.9558, we hope to see a continuation of the bullish movement from yesterday.
In terms of trading this pair well today, we should expect it to move within about 90 pips, based on the USD/CHF's previous behavior on the market. Any buy positions should be placed above the pivot of 0.9558, with a first target at the resistance at 0.9693, and a second target at the next resistance level at 0.9725, which is likely the best candidate for a T/P order, as it is unlikely that the pair will be able to overcome it and would likely drop after testing it. However, this strategy is only suitable if the pair remains above 0.9558; if it drops below, we should close these positions.
As of the moment of this article's publication, the USD/CHF is trading around 0.9595 and technical indicators agree on a strong buy recommendation.
USD/SEK: Review & Forecast
The SEK achieved its level from November 2014 thanks to the weakened USD.
The steady downward trend continues, but at the moment the rates have consolidated in the range SEK 7.908 - 8.0. The market hasn't received any economic statistics or news from Sweden which would have affected the Swedish Krona, but the stable economic situation in the Eurozone isn't putting pressure on its value.
Since the end of August the rates have been influenced by the unstable political situation in the United States, the escalation of the conflict between the US and North Korea, and disappointing economic statistics in the United States. As a result, the value of the SEK has reached the level from November 2014, and the downward trend became more rapid. Falling to the minimum for many years began on August 25 when the FED Chairman Janet Yellen did not make any statements related with the country's monetary policy during the symposium in Jackson Hole, which confirmed investors' doubts of a further increase of the interest rate. Then the geopolitical factors, unemployment growth by 4.4%, a reduced volume of manufacturing production in July in 3.3% contrinuted to negatively affecting the USD value.
At the same time it is likely that the minimum has already been achieved and the current phase of consolidation can be the beginning of a flat trend. However, today the dollar can get some support from the release of new economic statistics: the market is waiting for the data on trade balance, and the PMI indices of business activity. Next week we also expect data about retail sales and consumer price indices.
At the moment volatility is very low. The MACD and RSI oscillators do not give us any signals for trading positions. In this situation it's necessary to pay attention to the entry points SEK 7,908 and 8.0, the achievement of which would indicate the completion of the consolidation phase. Now, the most effective course would be the deals to Buy in medium-term trading.
NZD/USD: Short Review & Analysis
We expect the pair to move in a slightly bearish way today.
Today we would look at the NZD/USD currency pair.
For some time now the pair has been moving in a bearish manner below 0.7217, down from 0.7247 previously. The level of 0.7217 actually proves to be an insurmountable resistance level for the NZD/USD at this moment that the pair is simply incapable of overcoming. The NZD/USD seems to be inching closer to the nearby support at 0.7174, so we need to stay alert and be patient until the sideways price channel is fully formed.
Quite on the contrary, Wednesday saw the pair attempting to make new gains, trading above the first resistance and climbing towards the second one at 0.7290. After it failed to overcome it, it retreated to the type of movement we see today. It is not very likely that we would see the pair climb to the second resistance, since the first one is proving to be quite challenging. Therefore, we can wait and see if the NZD/USD will actually drop further down and provide us with a good opportunity to trade on a more pronounced bearish trend.
In the current scenario it would be best if we took sell positions below the resistance at 0.7247, placing our first target at the nearby support level at 0.7174. If the NZD/USD drops further down, our second target would be 0.7144.
Currently the pair is trading around 0.7198, above the support levels. All technical indicators are unanimously giving us a strong sell signal.
The North Korean Crisis
Tensions continue to rise as North Korea's Independence Day looms around the corner.
One could hardly go through this week without hearing about what is shaping up to be the biggest global issue right now: North Korea. The isolated communist state came under the spotlight three weeks ago when North Korea leader Kim Jong Un announced his intention to launch an attack on Guam, a territory under the jurisdiction of the United States. What ensued was a series of threats between Trump and Kim Jong Un, which led to a tense situation on the global financial markets. The stress began to ease off last week, but on Sunday the world awoke in chaos again, as North Korea performed a successful test of a hydrogen bomb in the ocean, which resulted in an earthquake felt in neighboring South Korea and Japan.
Even though there were no casualties, this strike was quite significant. For one thing, many countries had speculated that North Korea did not have the technology to successfully mount such a destructive bomb on a missile, nor to aim it properly. Since the country lives under a self-imposed isolation from the rest of the world, their development has been hampered by a lack of exchange of technologies. It has also been very difficult for the rest of the world to evaluate the readiness and conditions for war in North Korea due to the lack of information (or, rather, the state propaganda that is broadcast instead of information, which many suspect is inaccurate). However, this strike proved that North Korea is much farther ahead in its nuclear program than previously assumed – a power on which Kim Jong Un's regime relies. The North Korean leader has repeatedly ignored the condemnation of the United Nations regarding his nuclear weapons – and from his perspective, as someone who faces many enemies and might have to protect his position with force, it makes sense that he wants to hold on to his weapons.
It is also important to add that while hydrogen bombs are not talked about as often as atomic ones, they are in fact more dangerous. The test that North Korea performed had five-six times the magnitude of what the USA used in the devastating World War II attacks on Hiroshima and Nagasaki in Japan. If North Korea does have the means to send these missiles across the globe to attack North America, the destruction will be unprecedented.
To try to mitigate the crisis before the irreversible occurs, the United Nations again spoke about sanctions against North Korea. The United States, arguably the loudest voice in the argument, has suggested a ban on exporting oil to North Korea. Without fuel, the country would definitely be forced to reconsider its policies, but it might also cause a serious economic crisis in the country where the living standard is already reportedly poor enough.
Even if an oil embargo could success in theory, we might not see it in practice. North Korea trades with two countries: Russia and China, both of which are members of the UN Security Council and could veto the embargo. Even though both have spoken against North Korea's recent actions, it is unlikely that they would support anything too harsh. China, in particular, does not wish to lose its position of importance in North Korea. Russia too is protecting its interests by supporting the claim that an oil embargo will endanger the civilian population more than it would neutralize the military program of North Korea. The United Nations Security Council is yet to vote on any measures against North Korea.
Meanwhile, amid the geopolitical tensions we saw the financial markets in disarray. Stocks moved up and down, as did currencies. The dollar lost some of its positions against major currencies, and the EUR/USD was able to pass the psychological threshold at $1.20. We should note, however, that the American dollar also suffered for other reasons – the destruction caused by hurricane Harvey hasn't been fully documented yet, and the US southern coast is again in danger of another hurricane, Irma.
The big winner this week has without a doubt been the gold, which reached its highest level in a year. As a safe haven asset, gold is attractive to traders who find other instrument too insecure at the moment. Now the markets are holding their breath as tomorrow North Korea celebrates its independence and there might be another attack to "commemorate" the day. As long as the tensions continue, we are likely to see this trend stick around.
GBP/NZD: Technical Outlook before UK Bank Rate
The GBP/NZD is ahead of 1.8360 after breaking through the resistance area.
If you want to be successful in Forex trading, you have to follow your rules and your trusted analysis, especially if you use classical methods of analysis. In our last report about the GBP/NZD pair we recommended buying the pair for several reasons: lthe pair had reached further than 61.8% Fibonacci and was trading above the ascending trend line, and there also was a double bottom pattern, all of which are signs which told us to buy the pair. This is why we bought it at 1.7700 - we have taken our profit at 1.7850. Then we bought the pair again after breaking the neckline at 1.7885 and the prices hit our target today at 1.8230.
The pair is now trading around 38.2% Fibonacci in a series of impulse waves, after it reached 1.7500 - close to the upside trend line. The pair has a resistance area at 1.8362 which the pair is expected to reach in the next few days. That is in case the pair is still trading above the support area at 1.7906 and the moving average 50. The Stochastic indicator started giving us a sell signal, which is a sign that the pair will make a downward correction movement.
The Next Few Days
From this classical analysis of the pair we can't take any positions now at the current level. We can buy the GBP/NZD at the support level 1.7906 or sell at the resistance level 1.8362, but we prefer the buying scenario for the next trading days. In effect, we can take a buy position now with a small volume and keep our target at 1.8362.
This week the market has some hot news from the UK like the CPI and the official bank rate next Thursday.
What will happen to the dollar index after "Irma" and "Harvey"
The calculation of losses from natural disasters is out.
Hurricane Irma has almost calmed down and now it's time to assess the damage. After Harvey's passing about $ 12 billion were already paid for insurance payments. Of course, losses, in this case, were incurred by insurance companies. The fact is that as of June 20, 2016 in Harris County, a region that includes Houston, only 15% of the property was insured against floods. Also there is a National Flood Insurance Program. The program pays damages to those who do not have flood insurance, and often borrows from the Treasury Department to fulfill their claims obligations.
We will be able to observe after a full assessment of the damage from natural disasters, a surge of activity related to the need to restore the affected regions. This means activity in the real estate and employment market, which can help the dollar strengthen its position.
On the other hand, these are internal costs that will be covered by the state. Therefore, experts differ in their judgments, how this will affect the economy and where the dollar index will go.
At the moment, the index continues its downward movement after yesterday's slight increase and at the moment is 91.78.
AUD / CAD technical analysis
At the moment, the pair is trading in a downtrend and is between 23.6 and 0.00 Fibo levels with a daily chart.
Since recently some reliable enough data came from Canada, we see further strengthening of the Canadian currency.
The indices of RSI and Stochastic also confirm the downward movement after a small correction of 75 points.
At the moment, the pair is also under our Moving Average with a period of 28 and tends to a resistance level lying at 0.00 Fibo level (0.9655).
Tomorrow a number of important news will be released in Australia, at 2:15 (GMT +3) the speach of the Deputy Head of the Reserve Bank of Australia Debbel will take place, and at 4.30 (GMT +3) the changes in the level of employment for August will be published. This may slightly increase the volatility of our pair at the time of the news release.
By day trading, we are now seeing a downward movement, so there is an opportunity to take short positions. With take-profit and stop loss at the levels of 0.0 and 23.6 by Fibo, respectively. We also have a twice tested resistance level of 0.9690, on which it is also possible to fix profits and look for further fluctuations of the pair.
The intersection of our gliding (28) body with a candle and the subsequent fastening of the next candle by the body will highlight a possible reversal.
Support and resistance levels:
0.9655, 0.9690, 0.9745, 0.9805, 0.9870, 0.9900, 09975, 1.0050
The GBP/CAD is ahead of 1.6611 and 1.6850 after breaking the channel.
In our recent report about the GBP/CAD currency pair we recommended selling the pair and the prices already hit our first target at 1.5927 to make a profit of +220 pips, then the pair returned back to break the price channel and the resistance level last Thursday.
The price channel which we were trading inside was strong because it has 5 tops and 4 bottoms, so when the prices broke upwards from it, the pair rose more on Friday to trade now around 1.6525. The prices recorded the highest level on Friday at 1.6574, close to the resistance level at 1.6611. We expect the price to reach the resistance and make new highs but we have to be careful in case the pair makes a price action pattern on the resistance area. The MACD indicator gave us the buy signal last week.
The Next Few Days
After we saw the prices break up the price channel we should only think of buy orders, as there are no sell opportunities anymore in these levels. We can take a buy position now at the current level 1.6523 and keep our first target at 50% Fibonacci at 1.6850, and the second one at 1.7050. We can take another buy order if the pair declined to the moving average 50 on the daily chart.
Bank of England governor Carney will speak today at the Central Banking Lecture hosted by the International Monetary Fund in Washington, DC and we have the retail sales from the UK on Wednesday, in addition to the CPI and retail sales from Canada on Friday, so we have to be careful due to the news this week.
CAD / JPY technical analysis
At the moment, on the chart of H4, we see the return of prices in the framework of the rising channel. Drawn for 28 days.
Given the recently published positive statistics for Canada, we can assume that our upward movement will continue and at the moment we are seeing a correction and revision of the positions by bulls that decided to fix the profit.
On the daily chart, we have not yet seen the figures of absorption and the reversal pattern. But on the chart H4 appeared "shooting star", which can signal us about a possible correction. And the ability to draw a "head and shoulders" figure, with a shoulder level in the area of 88.90.
But looking at the overall schedule and considering the overall movement, the recommendation is to look for points to enter the long position at support levels.
Support and resistance levels
GBP/EUR Technical analysis
The pair is moving within a downward trend.
At this moment the pair is trading in a down trend, slowing down near its resistance levels. We can also note that against the backdrop of strong data, the pair can quickly overcome the nearby resistance levels, as it happened after the press conference of the Bank of England, against which the pound sharply increased its quotes.
Today at 4.30 pm (GMT +3), ECB President Mario Draghi is expected to speak at a press conference. It is necessary to closely monitor the investor sentiment, as many feel that the euro will be pressured and our pair will continue the downward movement.
Our advice for you is to set medium goals and small stop-loss orders.
Support and resistance levels:
wow nice write....
Dark times lie ahead for the United Kingdom.
The bad news for the United Kingdom only seem to pile up ever since the Brexit vote last June. With EU nationals members of the labour force leaving the UK in favor of other European countries, the major decline of the British pound sterling (12% versus the USD), and political instability caused by tough negotiations with the European Union, the economy of the United Kingdom is not what it used to be.
More information see here
Enter the market only after the formation of a certain trend.
Today the Senate is expected to vote on the adoption of Trump's tax reform. Against this background, the US dollar since the beginning of the trading day has regained some of its positions relative to other pairs.
More information see here
With decreasing geopolitical risks in the EU, there is potential for the euro to strengthen.
The unstable political situation in the EU has had a negative impact on the EUR/SGD over the past few months. However, the situation has changed unexpectedly since November with the formation of an upward trend. The support line has already changed its direction.
More information see here
It's a good time to buy the pair.
Yesterday there were several events that affected both currencies. They helped the pair gain a foothold above the 1.3400 mark and at the moment the pair is trading near the 1.3456 mark.
More information see here


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Making BEE Work for You
BEE can provide your business with a differentiator. Now is the time to shift how you think about BEE and make it work for you.
Black economic empowerment is often identified as a hold-all reason for the multiple challenges facing small businesses, and is blamed for everything from the inability to access capital and government tenders, to the problems of hiring staff.
But smart entrepreneurs, having realised that BEE can provide their business with a real competitive edge, are using it to great effect. In an increasingly competitive business environment, entrepreneurs should be on the look-out for anything that can provide them with even the smallest degree of differentiation, and those that get BEE right know it can be made to work for their businesses.
Understanding the codes
The government's stated purpose in implementing broad-based black economic empowerment is to ensure that a more representative portion of the population can reap the benefits of involvement in the economy, thereby addressing the past economic imbalances brought about during Apartheid.
While BEE has in some instances developed a poor reputation for benefiting a few privileged individuals, there is an increased focus on ensuring that it impacts a broader cross-section of the historically disadvantaged community – hence the shift from Black Economic Empowerment (BEE) to Broad-Based Black Economic Empowerment (B-BBEE). (For the purposes of this article, BEE can be taken to imply B-BBEE).
There are seven elements of the Department of Trade and Industry's Broad-Based Black Economic Empowerment Codes of Good Practice (commonly known as the codes). Companies are scored on their performance in implementing each element, or a combination of elements.
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The seven elements of the codes
1. Ownership: measures the equity that black people hold in the business according to their voting rights, economic interest (including entitlement to dividends, capital gains and other rights of shareholders) and realisation points (the accumulation of net economic interest in the hands of black shareholders).
2. Management Control: measures the extent to which black employees participate at the Board level and are employed in senior management positions.
3. Employment Equity: measures the percentage of black staff employed in the business. On the QSE scorecard a distinction is made between black managers and black employees, while on the Generic Scorecard only black senior, middle and junior management employees count.
4. Skills Development: measures the extent to which the company has invested in the development of skills among black employees. It is split between skills and training, and learnerships.
5. Preferential Procurement: this element measures the extent to which a company uses the services of black-owned or BEE compliant businesses, and is based on the empowerment level of a business's suppliers.
6. Enterprise Development: this element is aimed at developed small, black-owned enterprises. Beneficiaries must meet certain black-owned or size criteria.
7. Socio Economic Development: measures the investment that a company makes in uplifting black individuals, communities or groups, mostly through charitable means.
BEE basics
Contrary to a commonly-held belief, BEE is not only relevant to big corporates or black-owned businesses. In fact, the codes take cognizance of the role that small to medium enterprises play in the economy and make provisions for their needs.
The codes differentiate between businesses of different sizes and there are different scorecards for Exempt Micro Enterprises (EMEs), Qualifying Small Enterprises (QSEs) and Generic Enterprises.
- Exempt Micro Enterprises (EMEs)
Businesses with a turnover of less than R5 million a year are automatically exempt from BEE requirements. They are automatically deemed to be a Level 4 Contributor if they are less than 50% black-owned or a Level 3 contributor if they are more than 50% black-owned. Start-up businesses are treated as EMEs for the first year following their formation, regardless of their expected total revenue. (EMEs that wish to tender for government contracts of between R5 million and R35 million will, however, need to use the QSE or Generic scorecard.)
- Qualifying Small Enterprises (QSEs)
QSEs are organisations whose annual turnover is between R5 million and R35 million. The dti has developed a BEE scorecard specifically for QSEs whereby each of the seven codes is weighted equally at 25 points. QSEs are then given the option of selecting any four of the seven codes on which to comply in order to achieve their requisite 100 points.
This addresses one of the most common BEE concerns that entrepreneurs have, namely the (incorrect) perception that you have to 'give away' shares in a company in which you've invested everything. It makes BEE more accessible and manageable for SMEs, and because all codes are given equal weighting, gives you maximum recognition for any investment your company might make. For instance, QSEs can earn a full 25 points for their investment in socio-economic development (commonly known as corporate social investment or CSI) projects, whereas larger companies that are scored using the Generic Scorecard can earn a maximum of five points for such activities.
- Generic Enterprises
Generic Enterprises are those with an annual turnover in excess of R35 million. Their scorecard differs significantly from the QSE scorecard as they have to report on all seven codes in order to assess their BEE status, and codes are weighted differently according to their perceived importance in furthering broad-based black economic empowerment in the country.
The weighting of the various dti code elements for each group of enterprises is detailed in the table that follows:
Contribution levels and BEE verification
A verification certificate provides other businesses with assurance of your BEE status, and is imperative if they want to claim BEE points for having conducted business with your company.
EMEs can be assessed by a BEE verification agency, an auditor or an accounting officer but auditing firms need to be accredited by the Independent Regulatory Body for Auditors (IRBA) to conduct BEE verifications and issue BEE certificates. For QSEs and Generic Enterprises BEE verification should be done by a recognised BEE verification agency. They will conduct an independent BEE audit on your company. Strict rules govern the conduct of these agencies and it's best to select one that has achieved accreditation with the South African National Standards (SANAS).
The number of points you score for each element will determine your BEE contribution level. The lower the contributer level, the more compliant the business – in other words a Level 1 contributor is the most BEE compliant with a Level 8 contributor being close to non-compliant.
Thinking differently – how BEE can benefit your business
When entrepreneurs understand that BEE can actually deliver benefits to their business, or that they can earn BEE points for investments that they are already making, it often brings about a shift in their negative perceptions of black economic empowerment.
So instead of feeling resentful about 'yet another hindrance that government has placed in the way of small business', consider how you can use the legislation to your advantage. There are many benefits to be derived from a strong BEE status, in addition to the obvious one of putting your company in line to win tenders and contracts.
For example small businesses can use the Enterprise Development (ED) code to access mentorship and investment from big business. Becoming BEE compliant and making your business an attractive ED investment can open up doors to immensely beneficial partnerships with big businesses. A number of savvy would-be start-ups featured in various issues of Entrepreneur magazine have accessed capital, equipment, mentorship and business deals from large organisations looking to earn ED points.
Similarly, the Preferential Procurement code can enable your small business to join the procurement database of a range of large corporates, something that's considerably more difficult to achieve without the leverage of BEE.
An investment in skills development will provide your business with multiple long-term benefits while earning you BEE points, and involvement in community and social upliftment projects can boost your brand and build morale and loyalty among staff. Programmes that fast-track the development of black employees into management positions can widen your network of business contacts and provide you with access to a broader market.
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The BEE Waters Are Rather Murky. Here's Why
Employee participation
The ins and outs of ESOPs
Thinking of implementing an Employee Share Ownership Programme? Here are some important points to consider.
Barnstone Corporate Services provides consulting services and advice to large corporate organisations and has been instrumental in helping some of the country's biggest blue-chip companies to implement Employee Share Ownership Programmes (ESOPs) worth billions of rands. The company also has valuable advice to offer small businesses that are considering ESOPs as part of their BEE principles. "The following principles may be useful for any organisation considering implementing an ESOP," says James Steere, manager in the company's Executive Advisory Services unit.
He offers the following insight on some important considerations when implementing an ESOP:
1. Understand why
You need to understand why you are implementing an ESOP. If it is for BEE purposes, you need to understand how your business is classified by the BEE codes (as an EME, QSE or Generic Enterprise).
Consult with a BEE rating agency to establish what the scheme would have to achieve in order to improve your rating. You need to know what percentage of the company would have to be owned through an ESOP structure and whether the employee demographic is suitable. If your company is made up entirely of white males, an ESOP obviously won't benefit you on the BEE front but you might still want to consider it as a tool for aligning employee and shareholder interests. Similarly, if you are a QSE an ESOP would only give you a maximum of 40% of the available score on the ownership element, so just doing an ESOP may not be enough if you fall short on the other elements.
Another important consideration is whether you want different employees to benefit in different ways. For example, will length of service in the company or job grade form part of the evaluation in determining how employees will benefit.
Understanding why you are implementing the ESOP is an essential first step as it guides the choice you make about the preferred structure and how best to implement it.
2. Structure
Your second step is to select a suitable legal structure in which to house the ESOP. Remember that however well intentioned an ESOP may be, employees face the same financial pressures as we all do, and they might simply sell any shares that they are given in the company. This would render the ESOP fairly meaningless.
To get around this, the preferred ESOP structure is a trust, with employees as the beneficiaries. This allows for benefits from share ownership to accrue to employees over a period of time whilst limiting the ultimate control that employees have over the shares. It also allows for new joiners to the company to be included as beneficiaries and for people who leave the company to forfeit part or all of their benefits under the ESOP.
Typically, the company provides a low-interest loan to the trust with which it acquires a block of shares in the company. This loan is then paid back over time from the dividends accruing to those shares now owned by the trust. The balance of the dividend stream due to the trust after each loan payment is then paid out to trust beneficiaries and/or reinvested in the trust. After a defined period of time (usually a ten-year lock-in period) – provided the loan has been settled – the shares are allocated to the employees who can then sell them or keep them.
In this way, the interests of employees are aligned to those of the shareholders and managers because if the company is more profitable, everyone benefits.
3. Communication
It's extremely important that you take the time to actively communicate to employees and other key stakeholders so that their expectations are managed and they understand and support the transaction. Some important communcation considerations:
- Don't assume that people understand the basic concepts such as share ownership, trust structures and dividends. You will need to invest in an accessible education campaign that helps them understand all aspects of the ESOP. Create a forum for discussion and debate. It doesn't have to be a masterpiece of communication – but the worst thing to do is rely on informal discussion of these concepts and structures outside of work. This typically creates unrealistic expectation about the benefits. If possible, conduct two or more engagement sessions with your employees at different times. People will often listen through a presentation and only later come up with a question. Repeated discussions help to build trust in the process.
- Don't shy away from the difficult conversations. If you need to allocate different beneficiary rights or values to different employees, explain why this is necessary and take it on the chin if people are angry. The only mistake you can make here is to ignore a problem – get stuck in and let people vent if they need to. Provided your reasons for setting up the ESOP as you are are fair, employees will generally understand even if they don't agree.
- If you are in a unionised industry, proactively engage with unions but ideally create the understanding that the ESOP is not up for negotiation. Rather it is a structure to be presented and discussed. Ultimately the company shareholders will decide if and how it is established. If the structure is patently unfair, the Union representatives are likely to object so make sure that it works.
ESOP tips
- Get a good tax consultant/auditor/lawyer – this is not a conventional commercial transaction so you need to be careful about how it's accounted. There are tax implications and legal documents that need to be carefully drafted. If it's a big transaction you'll probably need support from a banking team to guide you on the best financing options.
- When selecting trustees, the first priority has to be that they function as a group. Don't elect trustees simply because they are prominent individuals or well liked. The role of the trustee is critical in ensuring the proper functioning of the trust over a long period of time.
- Make sure that the structure is well supported and that there's someone in the company whose job it is to oversee the ESOP. These things go on for a long time and need internal day-to-day processes to make sure that as employees leave or join, ESOP records are appropriately maintained.
It's Do Or Die In BEE Compliance
What this means when doing business in South Africa.
More and more, we see businesses and BEE verification firms coming under the spotlight for fraud and non-compliance. BEE ratings are viewed as a 'hot commodity' and many BEE services firms have popped up over the past few years to accommodate the demand.
Pressure mounts on businesses to reassess their skills development spend, youth contributions, ownership and management structures in-line with the BEE scorecard, and the Government has been particularly verbal in highlighting the need for BEE compliance.
AJ Jordaan, Sales Manager for leading BEE-aligned Skills Development training company, LFP Training says that its more than compliance – it's a way of life for businesses today. "Over time, businesses have realised that while they are doing almost everything right, what would make or break a deal could very well be their BEE rating,"
"Businesses receive additional points for doing business with BEE-compliant companies. Enterprise & Supplier Development is key to a firm's business strategy. With legislation changing on a regular basis, we always advise that clients do it right from the get-go,"
Related: How Do I Become B-BBEE Compliant?
A scorecard is not a target – it should be incorporated into a business's vision and growth strategy; it is just as important as any other top-line business matter these days. "With the need for more and more guidance in the realm of BEE, more suppliers have popped up to provide strategic counsel and it's easy to get caught up in the 'hype'. Terminology, weightings, paperwork and implementation are daunting tasks, but with so many businesses still failing their BEE audits – even under advisory – how do we know who to trust?
"Referrals by word of mouth are always great. I also believe that businesses must ask for a company's success rate and previous customer testimonials. More than anything, the consultant/ BEE supplier that a company chooses must understand how to truly implement BEE strategies to achieve exactly what it's there for – to empower the previously disadvantaged and help bridge gaps in society" says AJ.
With all the hype, we forget about what its there for. "Trading in points is not the intention; the end goal is economic transformation and fair opportunities for all," he continues. "If a company fails its BEE audit, it's essentially failed to promote exactly what BEE is all about. Money has been wasted and no transformation has really occurred. Partnering with a credible and knowledgeable partner is therefore key."
BBBEE Share Schemes – A Ticking Time Bomb?
At the forefront of these mechanisms are employee share schemes.
Since the promulgation of the amended codes of good practice under the Broad Based Black Economic Empowerment Act 53 of 2003, as amended ("BBBEE" or "the Act"), compliance with the ownership element has become a compulsory compliance element for both Qualifying Small Enterprises ("QSE" having between R10 and 50 million annual turnover) and generic enterprises (over R50 million annual turnover). As a result, businesses have found themselves considering mechanisms which aim to address this element. At the forefront of these mechanisms are employee share schemes.
The first of these structures were constructed in the early 2000's by JSE listed companies. The aim of these structures were essentially two-fold:
- An employee retention strategy similarly constructed as executive share schemes in many ways, and
- Compliance with BBBEE.
These structures have recently been under the spotlight again . Mainly because of the questions it raises in terms of whether it is true empowerment or not.
Related: Corporate BBBEE Compliance Turned Into BBBEE Investment
For businesses wanting to utilise these structures, a number of aspects are to be considered:
- Employers and employees stand in a vertical relationship with one another. This is because the employer directs the expectations and the standards of the services exchanged between them. Shareholders, on the other hand, are in a horizontal relationship as they are equally entitled to regulate and direct matters which may affect their shareholding or investment. So, to shift from a vertical to a horizontal relationship requires the necessary professional inputs, management and attention.
- These share schemes are separate entities that require the necessary attention and inputs. As such, it is not just a case of setting it up and it simply running itself.
- These structures need to have a shelf life in my view. In this regard, I mean that a clear commercially feasible strategy needs to be devised and implemented in regards to the trust. This would include a structured plan whereby employees would not only be entitled to dividends but would also have the opportunity to up-skill and to improve themselves in various ways. The financial benefits should aim to facilitate direct ownership.
It is important to remember that inviting partners to sit at the table, needs to fully embrace the concept. If it does not, it not only negatively impacts the relationship, but disempowers the people involved. The human aspect thereof is as devastating as the legal non-compliance which may even go as far as constituting fronting.
Related: The 5 Elements Of BBBEE
In order to avoid this, these structures need to be setup correctly and managed correctly, which means:
- The trust deed must clearly define the beneficiaries and the proportion of their right to receive distributions;
- The trustees must actively take part in managing the trust at a level similar to the management role of shareholders in a company having a shareholding;
- Based on the aforesaid, in my view, the trustees should be appointed by the beneficiaries;
- A written record must be kept identifying the beneficiaries as well as prove that they fall within the designated groups as defined in the Act. The trustees must have no discretion in this regard;
- A written record must be kept of fixed percentages of claims or outlining formulas for calculating claims. The trustees must have no discretion in this regard;
- The trustees must present the financial reports of the trust to the beneficiaries yearly at an annual general meeting of the Trust;
- The trust deed or other relevant statutory documents of the trust must be made available, or on request, to any beneficiary in an official language in which that person is familiar;
- On winding up or termination of the trust, all accumulated interest must be transferred to the beneficiaries or to an entity representing the interests of the participants or class of beneficiaries.
Expert professional guidance is therefore crucial in order to avoid these structures becoming your own ticking time bomb.
How Incubator Project National Gives Your Enterprise a One-Stop-B-BBEE Shop
Turn your B-BBEE compliance spend into investment spend in 2017.
Vital Stats
- Contact: +27 (0)12 259 0057
- Email: email@example.com
- Visit: www.theinvestmenthouse.co.za.
B-BBEE does not have to be a one-sided redistribution of wealth and power. "There certainly is a way to turn your compliance spend into investment spend. This year we are giving corporates the one-time opportunity to be part of our unparalleled Project National," says Jack Janse van Rensburg, director of The Investment House.
"Project National is a complex incubation model that provides a one-stop-solution to empower, develop and skill South African entrepreneurs."
Related: How To Get Your B-BBEE Money Back
The Investment House's incubator concept, Business Mastery Program, is designed for "strategic accelerated business serendipity," according to Janse van Rensburg.
Project National is realised nationwide in multi-industrial hubs, which create a strategic accelerated business serendipity through establishing a complete supply chain, or 'one-stop shop' for the public, for large scale tenders and corporates.
The unique benefits for participating enterprises include:
- Increased opportunities to be part of complex tenders and contracts
- Immediate market access through internal hub usage of each other's services and products
- Increased marketing and sales opportunities through beneficial location strategy (at convenient, easily accessible and visible shopping malls/office parks)
- The greater chance of interactions that give birth to new ideas and collaborations
- Increased learning and development opportunities through small, medium and corporate business partnership (business skills transfer, mentoring, industry-specific training).
Investing wisely
Project National is an unparalleled incubator concept in South Africa that brings a wide array of business advantages and B-BBEE-ROI opportunities to corporates, who can choose to make either monetary or non-monetary contributions within their B-BBEE spend.
Related: To B-BBEE Or Not To B-BBEE
How your B-BBEE compliance spend turns into investment spend with Project National:
1Create a consistent supply chain
Through your involvement in Project National, your struggle with inconsistent and unreliable supply chains can be over. Project National provides you with suppliers who can supply on demand, in the right quantity, to the right quality and the right price. More control and insight into your supply chain creates better competitiveness for your business.
2Extend your sales arm into new markets
Project National entrepreneurs provide you with an extended and widened sales arm into various different markets and distribution chains through the development of entrepreneurs acting as resellers of your product.
3Diversify your product range
Buying and financing assets can be a difficult task, therefore it's often not possible for companies to diversify their range. Project National's black owned start-up enterprises are more likely to obtain funding for assets and equipment and can therefore be a great asset to you when becoming a supplier to your company, allowing you to diversify your product range by outsourcing production of new components.
Related: Sustainable Growth For Future Prosperity
4Allow for lower imports
It can be hard to compete with Chinese imports on a price and now even a quantity level. While the demand for low quantities and tailor-made products is high, it's hardly profitable for many big corporates. Project National's entrepreneurs leave the doors open for you as they are smaller and organisational overheads are lower; making it profitable to manufacture lower quantities.
Be part of The Investment House's unique incubator concept and see your ROI on your B-BBEE spend flowing.
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Gary Oldman to star in A Christmas CarolDecember 2nd, 2007 - 12:02 pm ICT by admin
Melbourne, December 2 (ANI): Actor Gary Oldman has reportedly signed on to star in A Christmas Carol, film adaptation of the Charles Dickens tale.
Sources have revealed that Oldman star alongside Jim Carrey in Bob Zemeckis movie.
The film will feature both actors in various roles, they say.
According to Moviehole, Carrey will play Ebenezer Scrooge and the three ghosts that haunt him.
Robert Zemeckis has written the film, and is directing it for Walt Disney Pictures.
He is said to be shooting the film using performance capture/Disney digital 3-D animation, a continuing evolution of techniques that he had introduced in Polar Express.
The Web site has also reported that despite the rumours, the film does not have any role for Tom Hanks. (ANI)
Tags: charles dickens, christmas carol, ebenezer scrooge, film adaptation, gary oldman, haunt, jim carrey, moviehole, polar express, robert zemeckis, rumours, three ghosts, tom hanks, walt disney


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My Comical Family #11 : Edible Gold Snot
4 Responses to "My Comical Family #11 : Edible Gold Snot"
Hi! Blog hopping. Like your blog and your comical family strips. 🙂
Er, I remember when I was small, I saw someone digging and putting the gold into the mouth. That time, I was small, didnt know anything. NOw thinking back, i want to vomit!! Puke!
Thanks, Rose.
I too have seen someone doing the same thing but being a mommy now, there are not many things that can make me feel disgusted till I want to vomit now. Haha!
errr… pai say to mention this but my dear son has been doing this disgusting act too lately…. no matter what I did to tell him to stop, he still keeps doing it…. 🙁
I just said "Auntie Jane said Joseph korkor eats his own pi sai!" and guess what Niklas said? He said,"Eewk, Disgusting!" 😆
Show this comment to him!!


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- Home
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Amrothi Black Two Drawer Night Stand
Product Description
The epitome of fashion-forward design, this nightstand is befitting of a master boudoir. You'll be hard-pressed to choose your favorite dazzling detail. Is it the fabulous faux crystal accents or the pearlized finish? Or maybe it's the built-in USB ports that make charging electronics more convenient than ever. No matter what you love best, this nightstand has style, and function, galore.
Product Features
Product Features
- Made of engineered wood
- Pearlized finish
- Silver-tone ring pulls with faux crystal accents
- Silver-tone details
- 2 smooth-operating drawers
- 2 USB charging stations
- Power cord included; UL-listed
- Assembly required
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UPDATED: Montgomery County Police Officer Struck By Vehicle (PHOTO)
UPDATED Detectives from the Montgomery County Police Department – 6th District Investigative Section have charged Lynnard Slaughter, of Granchester Place, with assault charges and reckless endangerment. According to a news release, Slaughter struck Montgomery County Police officer Patrick McCarthy with his vehicle.
A Montgomery County police officer was struck by a vehicle early Wednesday morning near Montgomery Village Avenue and Midcounty Highway.
According to Montgomery County police the incident occurred around 1:09 a.m. when a police officer attempted to stop a suspected impaired driver. Police say the driver did not stop and drove near Grantchester Place and parked in a driveway. When officers approached the vehicle the driver put the car in reverse and struck one of the officers. The officer who was struck, discharged his firearm according to the Montgomery County Police Department Facebook page.
The incident continues to be under investigation and the driver will face criminal charges including impaired driving and first degree assault. The officer involved was transported to a nearby hospital for treatment of non-life threatening injuries.
For the full details you can view the Facebook statement below.
DUI Suspect Strikes Officer With Vehicle Early This Morning; Officer Discharges Firearm: At approximately 1:09 a.m., a…
Posted by Montgomery County Police Department (Official) on Wednesday, December 9, 2015
DUI Suspect Strikes Officer Early This Morning; Officer Discharges Firearm: https://t.co/GGftdIvdet
— Montgomery Co Police (@mcpnews) December 9, 2015


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