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Entrepreneur Today
Dream Big – Engen Dealer Lydia Ramatisa
All the odds were stacked against her, but Engen service station owner Lydia Ramatisa is proof that with hard work, commitment and passion, success is indeed possible.
Lydia Ramatisa, franchisee at Engen's Orkney Convenience Centre in Klerksdorp in the North West, could easily have become yet another teenage-mother dropout. Instead, the arrival of her baby girl Rethabile 14 years ago sharpened her focus, driving her to chase her dreams.
"I was in Grade 11 and suddenly I had to find work so I could feed my baby. It was a tough lesson," Ramatisa recalls.
Today she is a beneficiary of Engen's decision to prioritise the empowerment of black women in a bid to effect positive change in South Africa.
In 2012, the National Empowerment Fund set up a R50-million affordable loan facility for black entrepreneurs to acquire Engen retail dealerships.
According to Unathi Njokweni-Magida, Engen's Head of Transformation and Stakeholder Engagement, 46% of the company's 1 020 retail service station are now black-owned, with 10% of them women-owned.
Ramatisa recalls how she got her first position with Engen as a cashier at the Uncle George Service Station in her home town of Jouberton, also in Klerksdorp, 12 years ago. She had sought a better-paying job after first working in a bakery for just R800 a month.
Related: Engen Gave Me The Platform To Chase My True Calling – Former Pump Attendant
"I used to work extra hours at the Uncle George location, just to make sure the business was running well. My main aim was to see the customers always happy with our service," she says.
That's because while Ramatisa may not have an education beyond Grade 11, she quickly figured out that if the customers were happy, the business would thrive.
"I got interested in everything about the operations of the service station, and soon began acting as a supervisor, directing, managing and helping train the staff to do their best work."
After eight years at the Jouberton location, where she rose to assistant manager, Ramatisa got the chance to run her own concern when her boss, Dr Abdool Ebrahim, suggested she apply for her own Engen franchise.
"I told him I was an uneducated woman but he was adamant that I was young and ambitious, and that I was exactly the kind of person Engen was looking for, who they could help to learn and grow.
"Once I got to the interview I had no more fear. I just wanted to show them exactly what I had to offer," she remembers.
That was in 2015, when the Orkney site was ready to reopen after a two-year shutdown.
"Engen put their trust in me, and I became the majority shareholder in the operation, which includes the petrol and Quickshop, as well as a Corner Bakery and Barcelos.
Ramatisa and her team have since doubled previous sales figures for all parts of the operation, and were named by Engen in the top two operations for the region in July.
"It's extremely hard work, but I am so proud of what we are achieving," she adds.
Ramatisa also changed the future for Rethabile, and her other daughter, Bonita, 3, explaining that she invests in their education wherever possible.
"I may be a single mother, and I may not have much of an education, but I am proof that hard work really does pay off. When I failed to matriculate, I promised myself that that would be my last failure.
"Other women out there need to know that they can do the same if they put in the time and effort, and if they have love for what they do."
Njokweni-Magida says that by continuing to attract and grow the talents of young women like Ramatisa, Engen is helping build a prosperous future for all South Africans.
Related: How Does One Start a Petrol Station in South Africa?
"We are focused on integrating more women across our entire value chain, and are very proud of success stories like this one."
Other than the significant boost in the number of black and women dealership owners, the Engen Limited board comprises 54% black members, and 31% black women. The Engen management committee is 64% black, and 36% black female, while senior management in the organisation is 65% black of which 36% are black female.
Ramatisa says she "fell in love" with Engen's operational methods.
"I remain passionate about the Engen brand, and thank the company for proving that if you offer someone an opportunity, along with mentorship and guidance, anything is possible."
Her message to other women like her? "Don't be afraid to dream big. I am proof that you can do anything you want in life."
Entrepreneur Today
3 Stealthy Tax Hikes Payroll Managers And Employees Need To Take Note Of
By Rob Cooper, tax expert at Sage, and chairman of the Payroll Authors Group of South Africa
"Dammed if you do and dammed if you don't."
The adage summarises the difficult decisions government and the Finance Minister faced when balancing the country's books, rescuing state-owned enterprises, and reviving the growth of our economy. Given the economic pressure that most taxpayers are facing, government ideally needed to achieve all of that without direct increases to personal income tax in the most recent Budget Speech.
Personal income tax has comprised at least a third of South Africa's total tax revenue in recent tax years, despite growing unemployment. The 2019 Budget, presented in February, forecasts that personal income tax will account for nearly 39% of tax collected during the upcoming (2019/20) tax year. Given that we are in an election year and that the tax base is fragile, it's not surprising that the Finance Minister and the National Treasury avoided direct increases to the statutory tax tables used to calculate PAYE for employees in the budget.
Nonetheless, government has made inflation work in its favour to impose some tax increases by stealth. Here are three ways government is raising more revenue without direct tax increases:
1. Bracket creep
The statutory tax tables used by payrolls and employers have not been changed for 2019/20, nor have the brackets been adjusted for inflation. This effectively amounts to an indirect tax increase that will yield a revenue saving of approximately R12.8 billion for government's coffers.
It is not unusual for government to use 'bracket creep' to effectively raise more revenue. But unlike previous tax years, even low- and middle-income earners are not getting much relief. Rebates and the tax threshold are being increased by small amounts to allow some relief, but many people this year will feel the pain as inflationary salary increases push them into a higher tax bracket.
2. Medical aid credit not adjusted for inflation
As proposed in the 2018 Budget, the Finance Minister did not apply an inflationary increase to the Medical Tax Credit, which allowed him to raise an extra R1 billion in revenue for the year. Surprisingly, these funds will be allocated to general tax revenue rather than ring-fenced for healthcare. In previous tax years, revenue generated from below-inflation increases on medical scheme credits was used to fund National Health Insurance (NHI) pilot projects.
There is still no clarity on how the NHI is going to be funded except for a general statement that the funding model is a problem for the National Treasury to solve, and that the principles of cross-subsidisation will apply. One wonders if any real progress will be made soon, given the fiscal constraints government faces.
3. Business travel deduction left untouched
The Budget leaves the per-kilometre cost rates used to determine tax deductions for business travel untouched. By not increasing travel rates to account for inflation, government effectively increases income tax collection at the cost of the taxpayer. This will be a blow for people who need to claim from their employers for business travel in their personal vehicles. This change has slipped through largely unnoticed and the budget does not provide numbers for the expected increase in tax revenue.
Closing words
Amid political turmoil and uncertainty, the Finance Minister presented a balanced budget for 2019/20 that offers hope for the future along with some tough love. With government taking steps to accelerate economic growth and improve revenue collection, we should hopefully see a steady improvement in government finances, which will translate into less pressure on the taxpayer in future years.
Entrepreneur Today
SMEs: Staying On The Right Side Of The Taxman
Remaining SARS compliant can be a constant challenge for small- to medium-enterprises (SMEs), especially when they are trying to focus on growing their businesses and streamlining their operations.
EasyBiz Managing Director, Gary Epstein, says submitting taxes can be a seamless process that does not have to take up more time than is necessary. "If business owners understand what is required of them and they put a few processes into place to deal with their tax submissions properly, their lives will be so much easier."
What are the top three considerations for SMEs when submitting tax returns?
"Firstly," says Epstein, "SARS returns must be accurate and submitted in terms of the relevant Act. Secondly, returns should be submitted and paid on time to avoid unnecessary penalties and interest, and thirdly, business owners must follow up on queries issued by SARS. "Do not ignore these queries, act on them as soon as possible".
What are the major SARS submission deadlines for SMEs?
Epstein points out that small business owners need to adhere to various tax deadlines, each with their own particular dates for submission. "It is important that business owners diarise the dates (and set advance reminders for themselves) and/or enlist the services of an accountant or financial adviser to help them keep abreast of requirements."
Value-added tax (VAT)
VAT payments need to be submitted in the VAT period allocated to the business, according to various categories and ending on the last day of a calendar month. This may mean making payments once a month, once every two months, once every six months or annually, depending on the category.
Provisional taxes
Provisional tax should be submitted at the end of August (first provisional) and at the end of February (second provisional) – for February year-end companies.
Employee taxes
In addition to submitting an annual reconciliation (EMP501) for the period 1 March to end of February for Pay-As-You-Earn (PAYE), Skills Development Levy (SDL) and Unemployment Insurance Fund (UIF), employee tax, in the form of an EMP201 return, needs to be submitted by the seventh of every month.
When can SMEs get extensions and is it worth it?
Epstein says SMEs can apply for various extensions, but these are subject to the Income Tax Act and Tax Administration Act.
"It is best for SMEs to consult their tax professionals to get advice regarding extensions for their businesses."
What is SARS not flexible about?
SARS is not flexible when it comes to late returns and late payments.
"I cannot stress enough how important it is for SME owners to ensure their tax returns are submitted on time. In this way, they will avoid the inconvenience and expense of additional fines and interest," notes Epstein.
What skills do SMEs need in their organisations to be able to submit to SARS efficiently?
Business owners often don't have the time or expertise to deal with tax submissions throughout the year. If the business cannot afford to employ a full-time accountant or financial services expert, it would do well to outsource its tax requirements to a registered tax practitioner.
"I would recommend that even if they are not submitting the tax returns themselves, business owners should have a broad understanding of the tax regulations and what is expected of them. There is a lot of helpful information on the various Acts and tax requirements on SARS' website," says Epstein.
How does the right software help SMEs remain SARS compliant?
SME's (and their accountants') jobs can be made easier by using reliable accounting software to calculate accurate VAT reports. These reports are only as accurate as the data entered into them, which means care needs to be taken when inputting data into the accounting programme. Epstein says a good accounting software package must be reliable, easy to use and functional.
"SMEs need to check that the software has thorough reporting capabilities and can interface with other software solutions. Of course, it is also important to find out whether the software is locally supported by the vendor or not."
Entrepreneur Today
4 Dangers Of Business Under-insurance
A common short-term insurance peril that many SMEs face when submitting a claim following an insured event is the risk of being underinsured.
Malesela Maupa, Head of Products and Insurer Relationships at FNB Insurance Brokers says, many small business owners mistakenly believe that by merely having a short-term insurance policy in place they are adequately protected against unforeseen events.
"This is technically correct provided that the business is covered for the full replacement value of the items insured. However, in circumstances where the sum insured does not cover the full replacement value or material loss of the item insured, the business is underinsured," explains Maupa, as he unpacks the dangers of business underinsurance:
1. Financial loss
The most common risk is financial loss on the part of the business. If the business is underinsured or the indemnity period understated, the short-term insurance policy will only pay out the sum insured for the stated indemnity period as stated in the schedule, with the business owner having to provide for the shortfall. This often leads to cash flow challenges, impacting profit margins or rendering it difficult for the business to recover following the financial loss.
2. Reputational damage
Should an underinsured business not have sufficient funds to replace a key business activity or critical component following a loss, this may impact its ability to fulfil its contractual obligations, leading to a loss of business or market share, and irreparable reputational damage in the worst-case scenario.
3. Legal action
A small business also faces the risk of customers or clients taking legal action against it, should it fail to deliver on goods and services following a loss or be unable to honour its financial commitments that they committed to prior to the loss.
4. Survival of the business
A catastrophic event such as fire, which could result in the loss of stock or company equipment and documentation, could threaten the survival of a small business that is not yet fully established, if the business assets are not adequately insured.
Working with an experienced short-term insurance broker or insurer is essential when taking up short-term insurance to ensure that business contents are covered for their full replacement value.
Furthermore, depending on the nature of the business or item insured, the policy should be reviewed on a regular basis to avoid underinsurance as the value of items often change overtime due to fluctuations in economic activity. Where it's necessary, evaluation certificates need to be kept up to date.
"Lastly, SMEs should ensure that the sum insured does not exceed the replacement value, which would lead to over insurance. Should a business submit a claim following a loss, the insurer would only pay out the replacement value, regardless of the higher sum insured," concludes Maupa.
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Speaking to more than 200 delegates gathered for the top Crimean Tatars' assembly, Refat Chubarov said: "In the life of every nation there comes a time when it must make decisions that will determine its future."
"I ask you to approve ... the start of political and legal procedures aimed at creating ethnic and territorial autonomy of the Crimean Tatars of their historic territory of Crimea."
He did not specify whether he wanted the region, if it obtains autonomy, to be part of Russia or Ukraine.
Crimea's Tatars met in their historic capital Bakhchisaray to decide whether to hold a referendum among their people to determine their future.
Such a vote would be a challenge to Russian President Vladimir Putin who incorporated the region into Russia after Crimeans voted overwhelmingly to split from Ukraine following the overthrow in February of Ukraine's pro-Russian president.
Crimean Tatars largely boycotted that referendum, which the West said was illegitimate.
"Nobody asked us, the Crimean Tatars ... in what conditions we want to live," Chubarov told Reuters this week.
Турчинов у Гомельській області на зустрічі з Лукашенко сьогодні. pic.twitter.com/gFebJNELjh
— Євромайдан (@Dbnmjr) March 29, 2014
Tymoshenko in circle of her prison cheerleaders: 'I want you to feel the change, I can't betray you anymore' pic.twitter.com/osBmGhoISw
— Maxim Eristavi (@MaximEristavi) March 29, 2014
"Changing the status of #Crimea was carried out without the expressed will of the Tatar people" says Refat Chubarov
— Paul Gypteau (@paulgypteau) March 29, 2014
We want "to create an autonomous territory for the Tatar people in #Crimea" says Refat Chubarov, head of the Majlis, the Tatar assembly
— Paul Gypteau (@paulgypteau) March 29, 2014
RT @EuromaidanPR #Poroshenko & #Klitschko just signed declaration supporting #Poroshenko for presidency pic.twitter.com/T4iNfpO9my #Ukraine
— Dirk Emmerich (@DEmmerich) March 29, 2014
Tymoshenko: "My 933 days in prison, 933 times I changed like a person there. I'm closer to you, now"
— Maxim Eristavi (@MaximEristavi) March 29, 2014
#Tymoshenko calls her presidential bid a personal war against oligarchy.Ha!
— Myroslava Petsa (@myroslavapetsa) March 29, 2014
#Ukraine's ousted president Viktor Yanukovych and ex-PM Mykola Azarov officially kicked out of Party of Regions. http://t.co/NaXHTA9Ot1
— Just Hovens Greve (@JustHovensGreve) March 29, 2014
Party of the Regions strips former PM #Azarov of membership
— Myroslava Petsa (@myroslavapetsa) March 29, 2014


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I did post on the stepparents board and the divorce and custody board. I'll probably seek more specific answers there but I visit this board the most. I'm just so lost tonight and could use some moral support.
If anyone remembers from long ago, I'm the poster with the psychotic MIL, had to get a RO, eventually became a caretaker for her (nice girl syndrome), and learned to drop the rope on that shit show. DuH still has guardianship and POA for her because he's an idiot.
Been married 7 years. Have 2 littles together (5 and 7) and my DuH has 3 kids from first marriage. (I'm 3rd wife, should have learned, no kids from second marriage.) This is my first marriage. I did everything for my step kids as well until it got me nothing but grief so I had to drop the rope with that, too, and make DuH deal.
BM has taken us back to court multiple times. DuH currently pays $3000 a month for the 3 kids who are now 18, 20, and 22. The amount does not drop nor end until the 18 year old finishes 4 years of college.
DuH tried to get more time with them but the kids didn't want it. They didn't like it at our house because we wouldn't pick up after them (their words) and also because we "work too much". Their mother is employment challenged and they all live for free with her parents, who are retired. They live 2 minutes away (we had to buy this house near them) but have only seen us a few times a year the past few years. They come home from college and never visit. They avoid us. We still try and offer to take them to dinner, go to events, etc. Usually, we are brushed off or ignored. It's heartbreaking because the 2 little ones adore them.
I realized long ago that grandpa would kick them out when they were done with college. DuH and I have had many discussions on this. I said we would never cosign a student loan for them because of their work ethic - I was worried they'd default due to not wanting to work and we'd be stuck paying the loans. I said they could never live here when grandpa kicked them out because it wasn't fair for them to criticize us and want nothing to do with us and then try and crash here when they failed as adults. It would also ruin any semblance of a relationship that we have with them. DuH agreed.
Oldest step son had a 100% free ride to college. $2500 a semester was work study. He decided not to work but didn't tell us. His mother was aware and supported him on it. Well, he registered for second year of college and he lost $5000 because he never took work study and owed $5000 for the first year. BM ran over here wanting $10,000. We said no.
DSS (dear stepson) never worked over summers or on breaks, either. He didn't finish his senior project, despite multiple extensions, and barely graduated. Grandpa told him over Christmas break that once he graduated he needed to get a job and move out.
DSS (dear stepson) graduated a month ago. DuH paid for him to go with him to a conference, fly out there, stay in a hotel for a week, all expensed paid, "to give him experience". DuH had to nag him into it, this 22 year old man was not the least bit interested in going. I'm sure costs of flight, food, and conference were a couple thousand. I reminded him that he was enabling a failure to launch situation and to let DSS (dear stepson) learn to adult. DuH agreed and said he'd back off.
DSS (dear stepson) is still "working on his resume".
Our first house is currently empty. DuH has set up his computers down there and working on his pet software project. He hired this not-close friend's daughter to do some research work for him down there. (No monkey business; that's not the issue.). Then I find out today that he has created this "job" for her that is 30 hours a week at $15 an hour. What the heck? There isn't that much "research" to do. It isn't a real company yet.
Then he lets it slip that DSS (dear stepson) is also down there doing work on this software project. Yup. DuH created a 30 hour a week "job" that pays $450 a week for his 22 year old son who is lazy as shit. That's $1800 a month! On top of the $3000 a month that his mother is still receiving child support for!
The kicker? I asked how he is getting there because DSS (dear stepson) doesn't have a car. (You know, because he hasn't worked or saved any money.). DuH tells me he gave DSS (dear stepson) one of our cars. I kid you not. We are paying for a fake job to the tune of $1800 a month, on top of child support, and DuH gave him one of our cars???? (We keep one of our vehicles at the empty house so it looks like someone lives there. That's why I didn't notice it missing.) All of this was done behind my back because DuH knew it went against everything we agreed upon. He lied to me.
All of this was via text today. When I confronted him over lying, lack of trust, the insane amount of money this was costing our household, DuH became angry and spiteful. Basically said I did nothing for our family and that I was a jerk for not wanting to help poor DSS (dear stepson) out. He also insulted my job, which I took because it was mother's hours and he's never around because he works so much. He said it was my job's fault that I wouldn't "help" DuH more with stuff when he's home. Nope, I do everything else. DuH, you can do your list of adult shit.
Last summer, I took kids camping by myself. It was a lot of hard work and it would have been nice to have a second adult there. I found out from the cat sitter when she texted me. There was a note on the door telling her that he came home but not to tell me. DuH came home from his trip 3 days early and instead of driving up to join us for those 3 days, he decided to stay home and not tell me that he was even there. I lost it. Instead of coming home on X day and seeing him before he left for another trip, I booked a hotel with a waterpark for me and the kids. I truly couldn't even speak to him. We had some hard conversations about prioritizing his nuclear family.
I should have left then. I should have left when the MIL (mother-in-law) issue was so ugly. I should have left when he would complain about the credit card bill because I bought new clothes for the kids at Walmart. Yet now, DuH is throwing $1800 a month to DSS (dear stepson) plus a car. On top of the $1800 a month for some new grad to do research work for him. $3600 a month.Plus $3000 in child support. That's $6600 a month!!!!
He never plays with the little ones. He's always "too tired". I've pointed out that he did that with the older ones and he's missing out again. He doesn't change. They don't realize how self absorbed he is because I've protected them. Though maybe DD (dear daughter) is picking up on it. DuH was actually home so told DD (dear daughter) he was going to her concert during the school day. I didn't think I'd be able to go and she knew that. Well, I managed to get out of work and swing in just in time to see her sing. She lit up when she saw me! Then I realized DuH wasn't there. He missed it. The entire school was dismissed and DD (dear daughter) was only one of 3 kids left. I was in the process of dismissing her when DuH showed up. He missed everything. DD told me that night that she was so excited to see me there but she also told me she wasn't disappointed that daddy didn't make it because she didn't think he would show up. Broke my heart. I chewed DuH out about that, too. (Few weeks ago.)
I'm done. I'm just done. I am still so angry that I haven't cried yet. But my chest is tight and I just wish I could cry. I think I'm just so over it. I was a nice girl way too long. I'm not perfect but I've held this family together. I've supported DuH thru so much crap. I'm just done. Being a divorced parent has got to be easier than this shit roller coaster.
The divorce process is probably going to be long and messy. Duh makes a lot of money and there are a few properties. I've seen him with court stuff with BM and he gets ugly and mean. I'm also going to have to figure a way to make sure he does his visitation safely. (He tends to forget that he's responsible for small children. I've come home to a number of unsafe situations, which is one of the reasons I took the job with mother's hours.). This process is going to be long and ugly.
Oh, and the jerk called after 9:30 tonight. I didn't answer. Then he texted asking to talk to the kids. They're 5 and 7... they're in bed!!!! Then he sent me a snarky text asking me if he's going to have to go back to calling before 8:30 like he did with BM when the older kids were little. Jerk...
Sorry this is so long and all over the place. I'm a mess.


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- Heavy duty suede upper
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5 Essential Elements For benefits of ISO certificationThe greater course of action stream will also be used to drive efficiencies to much less problems and ensuing reworks, which may improve Expense price savings.
ISO 27001 describes a greatest observe of firm that involved in the information safety management technique (ISMS).
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Capitalism Is
Like Fire …
John Sage, president of Pura Vida Coffee, sat with me in his decidedly un-Starbucks-like Seattle office, located in a low warehouse-style building redolent of counterculture, dimly lit, with bright posters and mismatched furniture, catty-corner from Mermaid Central across the street. "I'm always arguing with my lefty friends, but capitalism as a system is value neutral," Sage insisted. "It all depends how you make your money and what you do with the profits."
He was explaining the unique Pura Vida structure, which pairs Pura Vida Coffee, a for-profit, fair trade coffee importer and roaster, with Pura Vida Partners, a charity that holds the coffee company's voting shares and uses company profits for projects in coffee-growing countries. "Capitalism is like fire," he told me. "You can use it to cook a great meal, or it can burn down the house."
"Sure, it's like fire," said Alec, when I reported the conversation. "If you don't regulate it, it burns down the house."
My friend Beatrice Edwards countered, "It's an intelligent fire; it finds its way around the regulations meant to contain it."
"No," Alec reconsidered, "capitalism is more like molasses. It coats everything and leaves it sticky."
At its core, the Battle of Seattle was about the competing cultures and consequences of capitalism, which in its pure form relies on private enterprise rather than government control to regulate the


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€1,000 pcm. Apartment
Fantastic renovated apartment for rent in Escaldes-Engordany, Andorra
Renovated 4-bedroom apartment with panoramic views across Escaldes, for rent in the centre of Escaldes - Engordany.
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|Place of Origin:
|Shanghai in China
|Packaging Details:
|Plywood case
RY Series air-cooled heat oil pump / air pump is widely used in heating system with heat transfer media in china for such industrial fields as petroleum, chemical industry, rubber, plastics, pharmacy, textiles, printing and dyeing, road construction and food. It is an ideal circulating pump for hot oil and mainly used for transfering weak-corrosion and high-temperature liquid without containing solid grains, whose working temperature is not higher than 370 degree celsius.
RY heat oil pump is the second generation of our product developed on the basis of digesting foreign oil pumps. Its basic structure is single-stage single-suction cantilever support which has an axial suction inlet and a centrally vertical outlet. It is mounted on the base along with the engine.
RY heat oil pump adopts a double-end ball bearing supoort with the front end using the lubricating oil while the back end using the grease as the lubricant and an oil conduit lying for always keeping an eye on the sealing and the recovery of conduction oil.
The pump adopts self-heating and abstraction of heat structure instead of the traditional water cooling structure which thus featured by a simple and space-effective, fewer operation cost, good performance and reliable operation.
RY hot oil pump has the characteristics: 1. Combines packing seal and mechanical seal; the former has a good adaptability for the thermal state due to using packing with resistance to high temperature while the later ensures the seal performance under high temperature as it adopts the hard alloy with strong mechanical strength and wear resistnace. 2. Adopts the third generation of PTFE for the lip seal, thus getting great performance in the seal performance, 25 times the reliability of the rubber seal and extremely strong resistance to corrosion.


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Education researcher Michael Zwaagstra has a new handbook coming out next month from the Frontier Centre. Parents' guide to Common Sense Education in Saskatchewan covers issues ranging from standardized testing to report cards and teaching strategies. (CJME)
B.C. Teachers Continue Strike (CBC)
Michael Zwaagstra discusses the B.C. teachers union strike on CBC's The Current. Should the make up of classes be part of teachers' contract talks?
Ken Phillips discusses the First Annual Entrepreneurial Index
New Brunswick has ranked high in the first ever Entrepreneurial Index released by the Frontier Centre for Public Policy and Ken Phillips. He discusses the results on McLean in the Morning.
Conversation with David Vardy
David Vardy holds degrees in Economics from Memorial University, the University of Toronto and Princeton University. He was a member of the economics faculty at Queen's University before returning to Newfoundland and Labrador to serve as a senior public servant …
Manitoba Hydro's Preferred Development Plan
David Vardy is interviewed by Geoff Currier on CJOB regarding his speech given for the Frontier Centre entitled: A Tale of Two Debacles: Muskrat Falls and Manitoba Hydro's Preferred Development Plan.
Parka and dagger
There has been no shortage of messages sent between Moscow and Ottawa since the outbreak of tensions between the West and Russia over Ukraine. In the most recent development, Moscow announced on Tuesday that it had expelled a Canadian diplomat. …
Saskatchewan Scrapping Standardized Testing
Saskatchewan government announced it was was scrapping standardized testing. Michael Zwaagstra is a public high school teacher and a Senior researcher with the Frontier Centre for Public Policy.


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Theresa Ann Moore
Theresa Ann Moore (1940 / Michigan, U.S.A.)
» Click to list general statistics » OR, select a date :
Matthew And Nolan
Today we are celebrating Matthew's birthday.
He is four years old; it is time for fun and cake.
His cousins and some friends have come to play.
Children enthusiastically blend without a break.
read more >>
- Hits: Number of visitors who read the poem on the given date.
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shouting match
a loud, often abusive quarrel or argument.
Who Said It: Presidential Wit & WisdomThink you know your presidents? Take this quiz and see if you can match the style, wit and ideology of these memorable lines to the right POTUS. If the quiz doesn't display, please try opening in the Chrome browser.
The Irritating History Of ALL CAPSWhat's up with ALL CAPS? You're reading an email from a friend one morning, casually sipping a cup of joe, when all of a sudden, BAM. There it is. "I've been working WAY TOO MUCH lately, but I'm hanging in there. Dinner Friday?" Wait a minute is that— *Gasp* IT IS. AGH! ALL CAPS! Is that how you'd react in IRL? Probably not, but for …
quarrel, trouble, controversy, squabble, dispute, words, tiff, wrangle, affray, racket, disturbance, castigation, scrap, commotion, altercation, reproof, lecture, tongue-lashing, noise, fuss
Nearby words
shout, shout down, shout from the rooftops, shout-out, shouting distance, shouting match, shouty, shove, shove off, shove-ha'penny, shove-halfpenny
Dictionary.com Unabridged Based on the Random House Unabridged Dictionary, © Random House, Inc. 2019


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Sep 13, 2017 Please read this guidance in conjunction with all relevant industry standards that apply to you as a PCBU. . 2.6.2 Safe use of machinery responsibilities restrictions for young people . Figure 6: Examples of crushing hazards .. lathe is to be delivered fully assembled and is much heavier at one end.more+
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The equipment and machinery used in quarrying are large, powerful and productive. Frontend loaders and offhighway trucks are examples of quarrying equipment. operations and for loading trucks delivering material to its end destination. These crushers can be adjusted to produce differing sizes of stone andmore+
Laboratory Jaw Crusher for Sample Preparation. End fineness, <2mm . we offer mini, small to not so small rock crushers categorised as jaw, cone, or anymercialindustrial laboratory, while the largest unitequipment withmore+
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Xinhai COMPACT screens. 80. Xinhai feeders Application examples. 92 and industrial applications. You can The reliability of Xinhai C Series jaw crushers is based on a high production and better endproduct gradation. Easy tomore+
We can offer crushers and hammer mills for the precrushing of press cakes. Check out these examples of milling equipment for food stuffs: Table top model for the wet grinding of small to ultrasmall product batches. The end Long gap mill. Ideal forbined process operation where several process steps aremore+
Thepact crusher crushing and screening system. overall VALUE with the MOST VERSATILITY and FEATURES of any machine in the industry. FOCUS on the QUALITY of the END PRODUCTS: . Our system is simple and is designed to minimize water usage while providing ample dust suppression.more+
A compactsized excavator is usually defined as a unit weighing less than 8.5 tons. Sometimes called an earth mover, bucket loader, frontend loader or payloader. Used principally in the mining and cement industries, crushers convert large Available in a wide range of PSI and CFM ratings, so you can have amplemore+
The Minerals and Mining Act 2006 Act 703 of Ghana defines small scale gold mining of the operations use of excavators, trucks, dredging machines, crushers, etc. and promotion of occupational health and safety in the mining industry. .. Examples of deep trenches and pits left after mining by small scale miners inmore+
A crusher is a machine designed to reduce large rocks into smaller rocks, gravel, or rock dust. In industry, crushers are machines which use a metal surface to breakpress materials into small fractional chunks or denser masses. Throughout most of industrial history, the greater part of crushing and mining part of themore+
A representative sample of the shipment may be drawn according to statistical Operations range from kitchen to industrial scale depending upon volume, end use and raw material. Figures 6.5a and 6.5b: Small and large fruit crushers.more+
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Overview Mineral Processing · Crushing plants · Crushers A viable alternative is to colocate a smallscale ammonia production facility with a As a consequence, thyssenkrupp Industrial Solutions can now offer a plant capacity range of system in the front end and an Uhde low pressure synthesis loop in the back end.more+
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Furniture, fixtures and equipment, abbreviated FFE or FFE, are movable Examples of FFE include desks, chairs, computers, electronic equipment, tables, A chair may last 20 years, but aputers life could end after three years Businesses operating in the hospitality industry make a substantial amount ofmore+
Undesired movement of material can pinch or crush workers involved in the rigging . serving defined levels, but with a car that is too small to transport people. .. be grooved in the direction of travel,bs should be placed at each end. .. The platform floor should be sufficiently low to allow for ample work space andmore+
The #1 Selling Portable Crushers in the World I Have a Team Eagle Crusher DEPEND ON THE HIGHEST PERFORMING PLANTS IN THE INDUSTRY.more+
About · Options · Gadgets · Red Words and Stars · Clear Definitions · Real Examples a piece of equipment used for mixing food such as eggs or sauces a small machine or tool used for crushing substances such as peppercorns or coffee beans a short hard object with a round end, used for crushing food or chemicalmore+
scale sugarcane juice extractor was therefore to meet the needs of the small scale farmers who cannot afford the high capacity crushers are of high capacity mainly for industrial applications. These are out of . LH= Stuck level at the maximum dead end ofpressing bar. = H 2 H Wd = Weight of dry sample kg.more+
New technologies can benefit the mining industry and consumers in all stages . SIDEBAR 31 Examples of Environmental and Health Concerns That Should Be in a small volume of rock, so extraction would cause minimal disturbance, and .. to construction equipment e.g., scrapers, bulldozers, drills, shovels, frontendmore+
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can provide details on how to ensure the safety of these machines. This guide is not an exhaustive bibliography at the end of the document, or consult the Web site: www.centredoc.csst.qc.ca. Section 4 Protection against crushing hazards 31 Examples of use of Tables 51 and 52 63. 67. 69. 6 . industry c. S2.1, r.more+
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The key design criteria, operating schedule, equipment, personnel, supply requirements and costs are listed below: Industrystandard estimating methods are used for equipment selection, personnel allocation, and stoping methods: cut and fill, shrinkage, end slice, vertical crater retreat, sublevel Free Data Samples.more+
Aug 24, 2017 Constructionrelated equipment and operation noise level data may be provided by Included below are examples of several inventories of Front End Loader, No, 40, 80, 79, 96 .. Crushing and Screening Equipment.more+
nonmetal mining industry meet current requirements of the Mine. Safety and Health guidance contained in MSHAs Guide to Equipment Guarding published in 2004 FY 2012 YTD, 7102012 # Projected through end FY. Guarding . End Guarding. Small shaft protrusion, Examples of Acceptable Fasteners. Bolts.more+
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tary rock as a raw material in smallscale industry. There are 65 the stones are taken to the crushing plant by truck. The first stage Quartz manufacturing enterprises D, E and F The air borne `total dust samples were collected on a glass.more+
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And central to the process is the kind of industrial foodprocessing machinery developed by SmallScale Teamwork Puts an End to Oily Wastewater .. cages and ladles, examples of which are on display inpanys Kobe showroom.more+


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With the new Points and Rewards WooCommerce Extension, the only thing missing is a referral system that let's customers earn points for referring their friends. So essentially anyone could create an account on your WooCommerce site and share your products with their friends. When their friends use the referral link and buy a product from your site, the customer that refers them gets points.
Customer management – Think about the capabilities you need to build and manage relationships with your customers. For example, if you communicate with shoppers via email, then you need a solution that either has built-in email marketing features or an integration with your email marketing platform. Do you have a loyalty program? Make sure it works with your new ecommerce program.
You can also get a range of child themes for Storefront in case you want to customize the look of your store further. Most of the child themes are available at $39 a piece (occasionally, though, there are themes with price tags as high as $119). If you're a developer with ecommerce clients, they have a package for $399 where you get all of the themes in the library.
Shopify is perhaps the most well-rounded of the ecommerce platforms. It has it all when it comes to easy setup and an easy to use dashboard. In terms of popularity, Shopify is the most popular platform out there for small, medium, and large businesses alike. With the exception of WooCommerce, Shopify is the cheapest of the five platforms at a starting price of $9 per month. Shopify also offers a number of professional looking themes. If you are looking for the most variety of apps, add ons, and plugins then Shopify is a great choice for your online shop.
The songs are available for streaming or downloading — some even in high resolution — and the site offers a copious amount of helpful background info for your perusal. If you're curious what a rondo is or what defined Chopin's style, you can learn all that here. Musicians may also be delighted to learn that the site provides sheet music, so if you find yourself falling in love with a particular piece, you can follow along or even learn to play it.
The platform is truly everything you want out of an ecommerce solution, equipped with PCI compliance, tax calculation features, return management modules, loyalty programs, email marketing, and more. While the interface's dashboard can be a little tricky, there are some beneficial features, such as the ability to list and add product attributes, site management functions, and SEO optimization features. Magento Enterprise is primarily geared toward retailers who want the all-in, hands off package.
Bluehost makes it easy to get started with WooCommerce web hosting. Simply choose the hosting plan that is right for your website needs, and then create or add your existing domain. We will automatically install WooCommerce on top of your WordPress website while also providing a free WooCommerce SSL to keep your site and transactions secure. Setup takes only a few minutes and then you can begin selecting a theme for your online store. Shortly after you've selected a WooCommerce theme, you can begin adding your products and payment information.


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Puerto Rican empowerment for a resilient energy future
When Barefoot College first began speaking with FEMA officials and local organizations in Puerto Rico, it marked the organizations 97the country of operations worldwide.Read More
Puerto Rico energy recovery initiative begins this spring
Barefoot College will launch a groundbreaking solar training project in Puerto Rico this spring. The project, with critical first-level funding from the Center of Disaster Philanthropy, will create a system of reliable, climate-friendly energy that can be protected from hurricanes and re-activated within hours. Residents of the inland regions of Puerto Rico waited for up…Read More
Solar Mamas 'like a boss girl'
New York based writer/musician Piera Van De Wiel wrote a story about the work of Barefoot College for the women's empowerment media platform, Like a Boss Girl. In addition to providing a strong overview of the organization, Van De Wiel's interview with Director of International Development Sue Stevenson shed light on the impact of Barefoot trained…Read More
Flip The Switch honored at film festivals
The documentary Flip the Switch featuring Barefoot College (and produced by Hogan Lovells Citizenship) has been invited to the 2019 Los Angeles Short Film Festival and is now a semi-finalist at the 2019 American Documentary Film Festival! This comes after the film was a finalist at the 2018 TvE Global Sustainability Awards in London. Flip the Switch focuses on…Read More
Women at the center of climate solutions
Friends of Barefoot College-USA has crafted a strategic plan for 2019 that elevates our funding priorities focused on gender equality and climate solutions in new and exciting ways. In diverse places like hurricane-stricken Puerto Rico and deep in the Amazon Rain Forest of Brazil, women are being trained as solar engineers and leaders who will…Read More


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The Crusader had no legal claim. This is the person or persons who creates the trust.
Short for "qualified terminal interest property. Courts may generally recognize spendthrift clauses against trust beneficiaries and their creditors, but not against creditors of a settlor. The trustees administer the affairs attendant to the trust. In a simple trust the trustee has no active duty beyond conveying the property to the beneficiary at some future time determined by the trust.
The term "incentive trust" is sometimes used to distinguish trusts that provide fixed conditions for access to trust funds from discretionary trusts that leave such decisions up to the trustee.
The trust's affairs may include prudently investing the assets of the trust, accounting for and reporting periodically to the beneficiaries, filing required tax returns and other duties. This is the person who can appoint a new trustee or remove an existing one. This controls the property and its benefits if the settlor is absentincapacitatedor dead.
They have supported our work with Orrick to combat online sexual violence, identified by the FBI as the fastest growing threat to children and teens.
The term "use of land" was coined, and in time developed into what we now know as a trust. There are two types of living trusts in South Africa, namely vested trusts and discretionary trusts. In a discretionary trust, certainty of object is satisfied if it can be said that there is a criterion which a person must satisfy in order to be a beneficiary i.
The funds from a complex trust can also be used to donate to a charity or for charitable purposes. If a protector also has fiduciary responsibilities, then the courts—if asked by beneficiaries—could order him or her to act in the way the court decrees.
Testamentary trusts are not automatically created when the settlor dies but may be specified in will. In the United States the tax law allows trusts to be taxed as corporations, partnerships, or not at all depending on the circumstances, although trusts may be used for tax avoidance in certain situations.
Allows marital deduction to be taken advantage of.
Virtually all trusts are made in written form, either through an inter vivos or "living trust" instrument created while the settlor is living or in a will which creates a testamentary trust. The legal status of a protector is the subject of some debate.
A resulting trust is implied by the law to work out the presumed intentions of the parties, but it does not take into consideration their expressed intent. Courts can reverse self dealing actions, order profits returned, and impose other sanctions. This is the person or persons who creates the trust.
When a landowner left England to fight in the Crusades, he conveyed ownership of his lands in his absence to manage the estate and pay and receive feudal dues, on the understanding that the ownership would be conveyed back on his return. Often, in the case of public servants, or other individuals with notable fiduciary responsibilityassets are placed into a blind trust wherein they are the grantor and the beneficiary so their decisions are not affected by their personal wealth.
These strategies are ethically and legally controversial. Creation of legal relations in English lawFormalities in English lawand Secret trusts in English law People's wills and testamentslike William Shakespeare 's will here, often present difficulties in trust law where the meaning of what is intended is not completely clear.
For an example see the "nil-band discretionary trust", explained at Inheritance Tax United Kingdom.Organizations Related to Estate Planning and Trust Law American Academy of Estate Planning Attorneys The American Academy of Estate Planning Attorneys is an exclusive, membership organization serving the needs of attorneys and law firms nationwide.
United States trust law is the body of law regulating the legal instrument for holding wealth known as a trust.
Most law regulating the creation and administration of trusts in the United States is now statutory at the state level. Personal trust law developed in England at the time of the Crusades, during the 12th and 13th centuries. In medieval English trust law, the settlor was known as the feoffor to uses while the trustee was known as the feoffee to uses and the beneficiary was known as the cestui que use.
English trust law concerns the creation and protection of asset funds, which are usually held by one party for another's benefit.
Trusts were a creation of the English law of property and obligations, but also share a history with countries across the Commonwealth and the United States. The trustee is the one who holds title to the trust property, and the beneficiary is the person who receives the benefits of the trust.
To understand the laws governing trusts a good starting point is. trust for State law purposes may be treated as a corporation or partnership for federal tax purposes.
However, both definitions emphasize a relationship among several parties.Download


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$ 37,000.00 Financial Generalist Gainesville
- Location: Hall County, Gainesville, Georgia
invites applications for the position of:
Financial Generalist
SALARY: $37,000.00 - $45,000.00 Annually
Location: District 2 Regional Office, 1280 Athens Street, Gainesville, GA 30507
Recruitment: This position is open to all qualified applicants
Pay Grade: H
Position: 00164984
District 2 Public Health serves 13 counties in northeast Georgia, including Banks, Dawson, Forsyth, Franklin, Habersham, Hall, Hart, Lumpkin, Rabun, Stephens, Towns, Union, and White counties. One of the fastest growing regions in the state, District 2 includes rural and urban communities with diverse public health challenges.
The mission of public health is to promote and protect the health of people in Georgia wherever they live, work and play. We embrace this mission by serving individuals, families, and communities to improve their health and enhance their quality of life.
Come join the team that's changing the face of public health. We are improving the health of Georgia one community at a time. We are focused on understanding community health challenges and developing smart solutions that allow us to make an impact in our community. We are a team of intelligent and committed individuals who are passionate about public health and serving northeast Georgia. If you want to make a difference in public health, you should join our team.
In addition to a competitive salary, we offer a generous benefits package that includes employee retirement plan, deferred compensation, 12 paid holidays, vacation & sick leave, dental, vision, long term care, and life insurance.
Under general supervision, performs paraprofessional accounting and fiscal control functions, such as accounts payable and receivable, payroll preparation, budget monitoring or related general accounting processes.
Associate's degree in a business curriculum or related field from an accredited college OR Two years of experience performing accounting and/or fiscal control functions.
Experience using SAGE accounting software
To be considered for employment at District 2 Public Health you must complete an online application. This job application can be found at www.dph.georgia.gov. Click on "About DPH" and then "Careers", locate position then click "Apply" to begin your application. Please make sure you have selected the specific job you are interested in and qualified for. You will receive an email or telephone call if you are selected to participate in the interview process. Please do not send hard copies of application materials. All information can be uploaded to the online system.
Applications must include an email address and daytime phone number where applicant can be reached. Incomplete applications may not be considered.
Georgia Department of Public Health Commissioner and leaders encourages all employees to engage in regular wellness activities and to make lifestyle choices that promote health and well-being.
The use of wellness breaks during the workday is authorized to support this philosophy and assist employees in meeting their wellness goals. A maximum of 30 minutes in a given workday may be used to engage in wellness activities, generally in the form of two 15-minute breaks or one 30-minute break.
The candidate selected for this position may be subject to pre-employment drug screening and a criminal records check (fingerprinting). In accordance with Georgia's Drug Free Workplace Act, it has been determined that certain positions warrant pre-employment drug testing.
As an employee of D2PH, in the event of an identified emergency you may be required, as a term and condition of employment, to assist in meeting the emergency responsibilities of the department.
Due to the volume of applications received, we are unable to provide information on application status by phone or e-mail. All qualified applicants will be considered, but may not necessarily receive an interview. Selected applicants will be contacted by the hiring agency for next steps in the selection process. Applicants who are not selected will not receive notification.
This position is subject to close at any time once a satisfactory applicant pool has been identified.
District 2 Public Health is an Equal Opportunity Employer.
For more information regarding employment with District 2 Public Health please visit our website at www.phdistrict2.org.
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$20 – $100
Event description
We have an action-packed weekend of events for the whole family culminating in our signature Saturday night concert. This years concert will feature Scotty McCreery and opening act The Lone Bellow. Visit www.gypsumdaze.com for more details on the other Gypsum Daze events listed below. Tickets purchased here on Eventbrite are for the Saturday night concert only.
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Gypsum Daze is a community event that is not to be missed. Join us for big family fun in a small town.
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The classic Coach bag is updated with signature elegance in beautifully textured custom fabric. Hand-assembled from start to finish, it features a spacious interior with pockets for personal items and a zip-top closure for security.
Coach Logo In Monogram Medium Apricot Totes FDT$62.99
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Coach Logo In Signature Small Black Totes BKS$59.99
Coach Madison Signature Medium Pink Totes DPE$62.99
Coach Madison East West Medium Coffee Totes FDG$61.99
Coach Madison East West Small Apricot Totes EAK$61.99
Coach Logo In Monogram Small Coffee Totes DCL$61.99
Coach Embossed Scarf Medium Pink Totes DFM$62.99


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Category: Beauty
Photographer: Trevor Ager
Photo: "Shaped by Nature"
A deep navy blue sky somewhat obscured by clouds barely lets the moonglow through to create the background for the scraggly tree that stands in silhouette. A woman seemingly grows out of the ground next to it. She is wrapped in pink flowing fabric. This photograph, Shaped by Nature, has everything in it. Forboding. Death. Life. Hope. It's simply wonderful. This is one that a different story appears each time it's viewed.
Originally shared with the Photofocus Readers Flickr Group. Join the group and share your photo or submit yours via the Photofocus website.
Kevin Ames
Latest posts by Kevin Ames (see all)
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Lenovo Thinkcentre Monitor Neweggcom
A dope rack is a really beneficial piece of equipment, as it keeps your entire dumbbells neat and tidy. Most good gyms will have a large dumbbell rack to keep all of their weights in order, but you can also purchase a smaller dumbbell rack which will fit into a home gym. Keeping your workout area tidied not only gives you more space to exercise in, but as well reduces the risk of you leading to yourself injury by stumbling over a stray dumbbell. A great way to buy a dumbbell slab, then this article will give you some areas to think about to help you buy a rack that is suitable for your needs.
Image Editor
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