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1 Export Forum 2015 October 14, 2015 MANAGING CREDIT RISK IN A VOLATILE MARKETPLACE Presented by: George Babeu, President One Source Risk Management and Funding, Inc.
2 WHAT WE WILL DISCUSS Today s volatile marketplace Challenges for the exporter Look at types of risks and mitigation tools for each. Country / political risk Credit risk Currency risk 2
3 TODAY S VOLATILE MARKETPLACE Current Events impacting exporters Oil Prices. Have they hit bottom? Are they stabilized? China s Economy. Will stimulus be enough or is more needed? Russian Economy. How will oil prices, the Ukraine and involvement in Syria impact their economic down turn? Brazil s economic woes. S&P changes debt to junk status. Jobless rate now at 7.9% Puerto Rico crisis. Tens of thousand fleeing to mainland U.S. for jobs as 25% of all businesses have closed. Greece s debt crisis. It s disruptive impact on the EU Escalating Middle East unrest. How will need for continued and escalating military resources impact countries supplying support? 3
4 COUNTRY RISK MAP 9/2015 Sources: Euler Hermes' country risk ratings as of 09/10/2015. GDP, per capita GDP and population data are from the International Monetary Fund. 4
5 STRONG DOLLAR IMPACTS ON TRADE The US trade deficit increased 15.6 percent in August to $48.3 billion Exports from the US decreased 2% from July to $185.1 billion A growing deficit with trading partners may indicate the pressure of a strong US dollar Source dailyfx.com (forex news) The US trade deficit widened in August as exports dropped to their lowest level in nearly three years. The US Department of Commerce issued a report on 10/6/15 that revealed the US trade gap rose more than expected to a $48.3 billion shortfall in August. The department had also revised its estimate for July s deficit to $41.81 billion from the initial reading of $41.86 billion. 5
6 CHALLENGES FOR THE EXPORTER: Exporters looking to remain competitive in the global marketplace have numerous challenges including: Political and Country Risks. Company Credit Risks Currency Risks As firms seek to preserve financial and operational flexibility, collateral posting or pledging of assets has become less favorable vs. transferring risk to Insurers and/or financial institutions. This allows for the creation of additional credit and financial capacity to safely protect and grow the business. 6
7 STEP BY STEP APPROACH TO SAFER EXPORTING Evaluate customer credit risk Evaluate country and political risk Evaluate currency risk Country reports FX volatility Company reports Financial statements Payment/banking history Country risk reports Insurance carrier reports 7
8 TOOLS FOR SAFER EXPORTING Currency Risk Foreign Exchange Hedge Country and political risk Credit Risk Letter of Credit Credit Insurance Factoring/Forfaiting Political Risk Insurance 8
10 POLITICAL RISK INSURANCE - OVERVIEW War and Political Violence (PV) Economic instability Confiscation, Expropriation and Nationalization (CEN) Non-Honoring (sovereign guarantees, letters of credit) Deprivation of Capital Embargo License Cancellations Non Transfer Currency Fluctuation Divestiture Contract Frustration Business Interruption 10
11 POLITICAL RISK INSURANCE Benefits: It protects Physical Asset Protection Investment Protection Contract Value Protection Pitfalls: Performance Risk Waiting Periods Can be complicated Misconception: Not many companies underwrite it 11
13 LETTER OF CREDIT A Letter of Credit (LC) is a promise by a bank to make a demand payment to the holder of the LC under specified conditions. Letters of Credit come in several forms: Documentary letters of credit Export / Import Standby letters of credit Financial / Performance 13
14 LETTER OF CREDIT (cont.) WHAT IT IS: An absolute guaranty to pay the creditor Written undertaking, usually by a financial institution Upon satisfaction of conditions stated in letter of credit EFFECTS: Creates primary obligation on part of issuer Independent of underlying debt owed by obligor Issuer must pay, even if creditor has breached underlying contract 14
15 LETTER OF CREDIT BENEFITS Highly secure Often less expensive to the seller than other forms of mitigation Generally known and understood by many PITFALLS Document heavy Often requires laborintensive document review Usually requires counterparty to postcollateral Less customer friendly 15
17 CREDIT INSURANCE OVERVIEW Trade credit insurance protects a company s commercial accounts receivable from unexpected and catastrophic losses resulting from insolvency or "non/slow-payment. Protects against catastrophic events/ risk mitigation Safely increases sales both domestically and internationally Enhances and supports the credit management function Improves/facilitates internal and external financing LC Replacement with non-cancelable insurance Flexible structures: single debtor, key accounts, portfolio 17
18 CREDIT INSURANCE COVERAGE Commercial Risk Domestic & Export Buyer Insolvency Protracted Default Non Acceptance Contract Frustration Political Risk Export Inability to obtain hard currency Changes in Import/Export regulations Contract frustration due to Act of War Foreign government non-payment Private Carriers ACE AIG Atradius Beazley Coface Euler Hermes FCIA HCC QBE XL Group Government Carriers ExIm Bank EDC (Canada) 18
19 TYPES OF INSURANCE COVERAGE Cancelable Limits Carrier assists in monitoring accounts and provides warning and guidance in the event there is increased likelihood of default. Non-Cancelable Limits Carrier will not cancel limits, but the action of the limit could cancel itself. 19
20 CREDIT INSURANCE MISCONCEPTIONS / PITFALLS Misconceptions Inflexible Expensive Only covers good buyers All limits are cancelable Pitfalls Buyer coverage Risk sharing (deductible) Conditionality of policy Performance risk 20
21 CREDIT INSURANCE HOW IT IS PRICED Priced on sales Priced on coverage Variables Buyer quality Industry Country Credit Process Terms of sale Applicant loss history Length of Coverage 21
23 FACTORING Factoring is a package offered by the Factor to a Seller wherein against assignment of Seller s receivables to the Factor (May be with or without notification of assignment to the Buyers) May benefit Sales / invoice ledgering Debt collection Risk protection Financing
24 HOW DOES IT WORK? Factoring & Finance SELLER Shipment BUYER Invoice assignment Finance (up to 90%) Collection process Factor/Forfaiter
25 FEATURES AND BENEFITS FEATURES Invoice/sales ledger Collection of receivables Credit risk evaluation Financing Credit management Open account terms BENEFITS Personalized reporting Professional collection Bad debt protection With or without recourse Debtors pre-assessment On going credit monitoring Disadvantage: Cost
26 FORFAITING Discounting of export receivables without recourse to the exporter, evidenced by: Negotiable Instruments Promissory Notes (Promise to Pay) Bills of Exchange (Demand to Pay) Deferred Payment Letter of Credit Receivables Covered by Private Insurance
27 EXPORTER S ADVANTAGES Non-recourse to exporter Converts credit sale to cash sale Offers fixed rates Provides 100 % financing Simple documentation Used or new equipment Not concerned about US origin of the goods Exporter generates good will, Importer does not know about forfaiter Fast Turnaround Confidential Flexible Disadvantage: Cost
28 FORFAITING VS FACTORING FACTORING Short Term up to 120 days Ongoing relationship between buyer and seller Portfolio management Notification usually required Up to 90 % advances With or without recourse Invoice based (normally) No minimum size FORFAITING Medium to long over 180 days 10 years Incremental sales One off transaction Anonymous 100 % discounting Without recourse Negotiable instrument $100,000 plus
30 FOREIGN EXCHANGE HEDGE Provides protections against currency fluctuations for companies that: Have overseas vendors, customers, subsidiaries or employees Need to make currency payments or convert foreign receivables into US Dollars Have exposure to fluctuating exchange rates 30
31 FOREIGN EXCHANGE HEDGE TYPES SPOT CONTRACTS For immediate payment in one currency in exchange for another, usually to send foreign currency payables or convert foreign receivables (simple wire transactions or payments). Typical market settlement in two business days but can be done same day depending on currency and time of the transaction FORWARD CONTRACTS Locks in a price today for a payment due on a future date or range of dates, providing a hedge against currency fluctuation. Forward prices are determined by an adjustment made to the spot price based on the interest rate differential between the two currencies 31
32 FOREIGN EXCHANGE HEDGE TYPES CURRENCY SWAPS Simultaneous buying and selling of the same currency for one date against another future date. For example, if a company has a Euro receivable in 3 months but a Euro payable in 6 months. A swap allow for a guaranteed upfront exchange rates on both dates for both transactions NON- DELIVERABLE FORWARDS To hedge foreign currency risk in emerging markets where no traditional forward market exists, e.g., china and Brazil. NDFs are synthetic hedges that are net settled in USD at the maturity of the contract and no delivery of the forex occurs. 32
33 WHO IS ONE SOURCE One of the fastest growing specialist brokers in the U.S. Credit Insurance division started 1998 Over 650 clients utilizing our services Headquartered in Portland, ME. National Service Center located in Houston, TX along with offices across the U.S. and Canada. Manage multi-national CI policies in 26 countries Consistently rated in the top 3 among the largest credit insurance carriers.
34 Our Services Receivable Protection Receivable Management Information We offer several products to protect your bottom line: Credit Insurance Multi National Coverage Political Risk Cover Receivable PUT Options Factoring Solutions FX Solutions One Source specializes in A/R Management solutions: Receivable Management Services Colmmercial Collection Services A/R Portfolio Evaluation Information is the Key to Credit: Client Information Services Department International Credit Reports Country Reports Seafax Credit Reports 34
35 Contact: George Babeu One Source Risk Management & Funding ext
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2500 San Pietro Circle, Palm Beach Gardens, FL
Harbour Oaks is a gated luxury townhome community with 317 three-story townhomes. Offering three different models (Amalfi, Barcelona and Capri), with either 2 or 3 bedrooms – ranging in size from 2,015 to 2,387 square feet of living space and a 2 car garage. Harbour Oaks residents enjoy the Ivy Club, which is the fitness and swim facility overlooking a private lake and across from the kiddy lot. Come Home to Harbour Oaks today!!

subset: commoncrawl


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Are You Brushing Your Best? Advice from a Fort Collins Dentist.
There is a lot of hype out there about dental implants; ads on TV claim that they are simple, easy, and just as good as real teeth. It is true that they are a great option for those with missing teeth, but they will never replace your own teeth. At Rocky Mountain Dental Care, we do bridges and crowns to work with your existing teeth, and can refer you to an implant specialist if it is the right course for you.
We will also give you the tools to take care of those implants, and most importantly, your natural teeth. If you are thinking about implants, call Dr. Johnson. He can give you the information you need to make the right judgment.
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In recent years, Georgia has been among the nation's leaders in one category where it would rather not set the pace: the highest number of school bus-related deaths.
With school back in session in Bibb County and across the midstate, authorities are trying to raise awareness about school bus safety.
Since 1995, nine children in Georgia have been killed while getting in or out of buses, said Katie Fallon, public information officer for the Governor's Office of Highway Safety. The office is working with Georgia first lady Sandra Deal to kick off a statewide initiative next week that will remind drivers that they can't pass stopped school buses.
Drivers in all directions must stop if a bus has stopped, has activated its stop arm and turned on its safety light, according to state law. That rule does not apply, however, to traffic moving in the opposite direction if a road separated by a median.
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State leaders want to reach out to all motorists, not just teachers and parents.
Data from a one-day survey of counties across the state last year estimated that 7,349 vehicles passed school buses illegally, Fallon said.
"That's where the danger comes in -- when kids are entering and exiting the school bus," she said.
Bibb County sheriff's Lt. Annette Horn is also trying to bring awareness to the issue in light of recent reports of school bus incidents in nearby communities.
Those who violate the law can face fines of up to $1,000, a court appearance and six points on their driving record, Horn said. Those younger than 21 could also get their licenses suspended if they're convicted.
"School is now in session, and our main priority is to get our kids safely home and to school," she said.
Bibb County school leaders are also exploring their options to improve safety.
Todd Harris, transportation director for the Bibb County school system, said the department aims to pitch a proposal to school board members -- possibly by the end of the semester -- about installing cameras on school buses.
Cameras could be installed on about 20 buses, Harris said. In all, the system runs 140 routes a day.
"It's the direction we're moving in," he said.
This week, the Houston County school board tabled a decision to approve a contract with American Traffic Solutions to outfit buses with cameras to catch violators of no-passing laws.
The company would install the cameras, and the revenue from traffic citations would be split among the company, the school system and law enforcement.
Harris said the options he's seen would work much the same way.
School bus safety has become "a real issue" in Georgia, he said. "We're the leader in the nation with fatalities."
Deal's initiative will include a tour next week, with a 3 p.m. Monday stop at Howard High School. The event will also include representatives from the Georgia State Patrol and the Georgia Department of Education.


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The Bhavan has come to be recognized as a symbol of the intellectual, literary, educational, ethical, cultural and spiritual life of India
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The blessings of the Godly and Good always inspire Bhavans to reach new goals.
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The Bhavan firmly believes that revitalizing ancient values and reintegrating them to suit the changing needs of modern times alone will give people the strength to ......
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Bhavan believes in Sarva Dharma Samabhava - Equal Respect To All Religion.
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In 1938, about a decade before the dawn of Indian Independence, Kulapati Dr. K.M. Munshi, a far-sighted visionary and practical idealist, along with three of his close associates, founded the Bharatiya Vidya Bhavan to preserve and propagate Sanskrit, the mother of languages..
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Bhavan's Bharuch Kendra is started.
Shri Shiv Charan Mathur, Chief Minister of Rajasthan, inaugurates the Bhavan's Keshari Devi Gyan Mandi at Mukundgarh, Rajasthan.
All-India Colloquium on National Integration based on Ethical and Spiritual Values with special emphasis on Home, Education and Citizenship is held at the Ramakrishna Math, Hyderabad (March 23, 24 and 25, 1984).
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Bhavan's Kendra and a school at Sedam in Karnataka is started.
Allotment of 16 acres of land at Jaipur by the Government of Rajasthan, for starting a Kendra and Vidyashram.
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Release of Bhavan's Publication: Brahma Jnana and the Bhagavad Gita by Shri Paramanandhbhai Patel, by Smti Indira Gandhi, Prime Minister of India.
Bhavan's New Project : "Dharma Seva Pratishthan" to repair and to renovate places of worship and to impart knowledge in the various aspects relating to the conduct of workshop and to conduct a centre for study of ancient sacred texts is started.
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Bhavan's Swami Prakashananda Ayurveda Research Centre at Juhu, Bombay is started.
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Foundation - stone for the Bhavan's Vidyashram at Nadathara, Trichur was laid by His Holiness Jagadguru Sri Bharati Teertha Swamigal of Sringeri Mutt (14.9.1984).
Publication of Descriptive Catalogue of several rare manuscripts of great importance and value lying in the Bhavan's Library for which Government of India gave a grant of Rs. 54,000/- 75% of the total expenditure.
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May 25, 2015
News from
On Wednesday, May 13, the Indianapolis Campus Class of 2015 took the stage of the Indiana War Memorial to celebrate their accomplishments as friends and family members proudly cheered them on.
Commencement speaker Adam Collins, deputy mayor for economic development of the City of Indianapolis, also applauded the graduates for their achievements and reminded them that they were helping to build a brighter future for their community, as well as for themselves. "Not only are you celebrating your academic accomplishments, but also you're embarking on the next step of your career, pursuing greater financial security, and helping to build our city of Indianapolis into a world class place to live, work, and raise a family," he stated.
Deputy Mayor Collins reported that in 2014 almost 12,000 new jobs were created in Indianapolis, many in the areas of health care and technology. "All of you here, whether you've pursued a degree in medical assisting, in network administration, health information management, pharmacy technician, business accounting, or any other degree that gives you the know-how and the skills to work in today's knowledge-based economy, are going to play a pivotal role in the success and growth of this city for decades to come," he said. "Thank you very much for your work. Thank you for your dedication, and thank you for investing in yourself in order to make our city a better place to live and work."
Following Deputy Mayor Collins's address, several outstanding graduates were presented with awards: Janai Stewart—Achievement Award; Olaitan Atbatele—Leadership Award; Remella O'Steen—E. M. Coulter Award; and Aminata Diop—Joseph E. Hurn Award.
Charity Rodgers, a health information management graduate who is working at St. Francis Hospital, was also presented with the Alumni Hall of Achievement Award. Watch for more on Charity's career success in an upcoming issue of the National News.
A- The Indianapolis Campus Class of 2015.
B- Commencement speaker Adam Collins, deputy mayor for economic development of the City of Indianapolis, applauded the graduates for their achievements and for the contributions that they would make to their community's workforce.
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Have you ever wondered what you will be doing when you turn 73? For some good ideas what to do, just ask Lenore Castillo. Lenore is a 73 year old recent graduate of the Master of Business Administration program and an upcoming Roanoke community entrepreneur.
In 2014, Lenore returned to school to study for her MBA. She dreamed of starting her own business but felt her business skills needed attention. One year later, Lenore found herself walking across the stage at the Roanoke Valley Campus's commencement ceremony with her MBA in one hand and a business plan developed by her MBA peers in the other hand.
Lenore plans to open an after-school tutoring and daycare facility in Roanoke City. The new business, called the Educational Enhancement Academy (EEA), will provide tutoring services for young students ages six to sixteen, as well as daycare operations that will serve families with children ages two to twelve.
Although she knew she had a good start with her previous work experience as an educator, social worker, and minister, Lenore wanted to ensure her success with a solid business management education. "I couldn't think of starting this business without first knowing business," she explained.
Lenore's dream touched the hearts of her MBA classmates, and her business vision became a class project. Her peers all devoted many hours assisting with the project, determined to help the Educational Enhancement Academy become a reality. They researched the best real estate options to locate the business, designed a website for the EEA, and wrote a business plan for grant funding. "Lenore's project was an inspiration to us that we can make our dreams come true and help others," said classmate Saba Madhoun.
A- Dr. Annette Chamberlin (left) presented the MBA class's project, a business plan for Educational Enhancement Academy, to graduate Lenore Catillo.
B- The MBA class was inspired by Lenore's dream to open a business and dedicated their time and effort to helping her achieve it.
The Honorable Martin Daniel, Tennessee State Representative for District 18, addressed the 34 graduates of the Knoxville Campus on Saturday, May 16 at Bearden High School. "Never stop learning, because learning keeps you from being bored and gives you a fuller, more interesting life," said Mr. Daniel. "Learning will keep you motivated and happy. Continue learning because it is the 'fast track' for success."
Mr. Daniel added that anyone who does not continue to learn will "lose out to competitors who have a passion for learning," and for people in business, "there is no end to education" because "the process of learning [occurs one's] whole life!"
Mr. Daniel also encouraged the graduates to continue learning in their personal lives, such as on matters of raising their children, maintaining their home, and personal finances. "Live as if you were to die tomorrow," said Mr. Daniel, quoting Ghandi. "Live as if you would live forever."
At the commencement ceremony, Steven Miller received an associate's degree in business administration-management as well as the Joseph E. Hurn Award for high academic achievement. Steven, a veteran of the U.S. Coast Guard, will soon transfer his associate's degree credits to another university to pursue a bachelor's degree. Steven enjoyed his time at National and in particular commented that he appreciated how the "institution works well with veterans."
Cherida Bolland and Uneek Turner both received pharmacy technician diplomas. "It was wonderful. Everyone was helpful," Cherida said of her experience at National College. She is planning to gain some experience in the pharmacy field, then return to the campus next year to build on her medical training in another program, perhaps medical billing and coding. Uneek added that her educational experience was wonderful and spoke highly of her instructors, especially Sabrina Davis who received the Alumni Hall of Achievement Award. Uneek considered Sabrina a good mentor and especially appreciated how she was able to relate to students, having graduated from National herself. Uneek is already employed by Walmart as a pharmacy technician and is planning to attend pharmacy school to continue her education in the field.
Other graduates who were presented with awards were: Michael Gipson— Achievement Award; Tamika Gary—Leadership Award; Raquel Adams-Russell—E. M. Coulter Award; and Tameshia Williams—M. A. Smythe Award.
A- State Representative Martin Daniel provided the commencement address for the Knoxville Campus graduation, encouraging the graduates to make education a lifelong process.
B- Graduate Uneek Turner received her pharmacy technician diploma and is planning to attend pharmacy school to continue her education.
Despite the demands of school, study, and home life, a group of Cincinnati Campus students are dedicating one hour per week to learning the craft of leadership. These students have formed the Future Leaders Club and are exposed to guest speakers, discussions, and service opportunities designed to hone their leadership knowledge and skills.
"It is refreshing to see how much these students are drawn to the subject of leadership," said campus director Michael Holmes. "Every one of these students is putting themselves in a better position for long-term success."
The Cincinnati Future Leaders are learning what leaders do and how they think, which will prepare them for future career situations they may encounter.
Several Cincinnati students recently formed a campus Future Leaders Club to hone their leadership skills and awareness.
The old saying, "Life doesn't always go as planned" is one that Lexington Campus student Julia Maupins can fully attest to. "I was on my way to fulfilling my dream of a medical career and I had to withdraw after my first term at ANU," she shared. "I had everything planned out for the two-year period I would be in the medical assisting program and it all went away. I was crushed. I had to change jobs and ended up in a very stressful call-center job, but I had no choice. My family comes first, and I did what I had to do."
Roadblocks and detours come from out of the blue and can test the mettle of anyone they happen upon. "I had always wanted to work in the medical field and my career path was set – and this really put a dent in my confidence," Julia explained of having to put her education on hold. "I had to wait another four years to come back and I wondered if I still could do it. But one of my favorite things about ANU is everyone cheered me on and told me I COULD do this. And now I'm graduating in July with my associate's degree in medical assisting."
What first drew Julia to ANU eventually became part of her success story. "I love the small classes and the hands-on instruction. The staff and faculty inspire and encourage us to succeed, and they have also brought back my confidence," she said. "I'm so excited about learning my craft and being able to apply my training in a new career!"
Julia was also motivated to return to ANU and complete her education because of her children. "They have watched me overcome obstacles, study, and succeed," said Julia. "They know they can also succeed and reach their goals."
Student Julia Maupins was determined not to give up on her dream of a career in health care and returned to ANU after a four year hiatus to finish her degree program.
"Education is the passport to the future, for tomorrow belongs to those who prepare for it today." These words of wisdom from human rights activist Malcolm X were the first of several famous quotes shared by attorney Deborah Loughner during her inspirational commencement address to the Cleveland Area Campus Class of 2015.
During the ceremony, the graduates celebrated their educational achievements and many celebrated recent job offers, as well. Heather Sills, the recipient of the campus's Leadership Award, became a registered medical assistant and certified pharmacy technician as a result of her training at American National University, and she recently began working as a certified pharmacy technician at Walgreens. "I'm still moving on," she shared. "I'm [working] on my bachelor's now online with ANU. After that, I'm going into a physician assistant program."
Accounting program graduate Julie Burch, a recipient of the Joseph E. Hurn Award, gave kudos to her instructors for her success in her program. "The instructors were so one-on-one with you. You didn't have to worry about big classes and not understanding," she explained. "They were there to help you the whole time. It was wonderful."
In addition to Heather and Julie, the following graduates were recognized with awards: Ethel L. Burnett—Achievement Award; Tara Lynne Moore—Joseph E. Hurn Award; and Charlene Little—M. A. Smythe Award.
As Ms. Loughner concluded her inspirational address she closed with a quote from American author Mark Twain: "Twenty years from now, you will be more disappointed by the things you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover."
"I hope that as you sail off from American National University that you explore, dream, and discover," Ms. Loughner added. "This is your new beginning that you have earned."
A- Graduate Heather Sills, who earned certification as a registered medical assistant and certified pharmacy technician, is shown accepting the Leadership Award during the Cleveland Area Campus graduation ceremony.
B- The Cleveland Area Campus Class of 2015.
On Friday, May 15, graduates from the Louisville Campus crossed the stage to accept their diplomas at Fourth Avenue United Methodist Church, completing an educational journey that campus director Vincent Tinebra likened to a long distance race. "There are easy times and there are hard times, but you have to keep your eyes on the finish line," he explained during his opening remarks.
As an example of the tenacity of the graduates of the Class of 2015, Vincent pointed to the dedication of U.S. Army veteran James Ziegler, who is often referred to as "The Mayor" on campus. Despite family responsibilities, major health issues, and his inexperience with computer technology, James remained steadfast in his quest to earn his business administration-management degree. "He persevered and came back this last term to complete his degree. Good job Mayor, we are going to miss you!" Vincent said.
Commencement speaker Jacqueline Austin, an educational leader and retired administrator from Jefferson County Public Schools, also praised the graduates for seeing their educational goals through to the end. "It doesn't really matter how you started that journey to pursue your higher education," she stated. "We're here today to celebrate and honor you for finishing strong, for finishing successfully."
After sharing insights from her successful career in education, Ms. Austin urged the students to be lifelong learners and not to let anyone dissuade them from pursuing their dreams. "Be determined to have a full life and a successful career—the very career and the very life that American National University has prepared you for," she advised.
Later in the ceremony, graduates from the diploma, associate's, and bachelor's degree programs accepted their diplomas. Phillip Thurman, a graduate who earned his MBA through American National University Online, also participated in a special hooding ceremony in recognition of his accomplishment.
In addition, the following outstanding graduates were recognized with awards: Theotis Pope and Cody Childress—M. A. Smythe Award; Christina Sapp, Rae'Chel Glenn, and Sylvia Allen—E. M. Coulter Award; Kevin White and Vanessa Enriquez-Ruiz—Joseph E. Hurn Award; Rhonda Lee Kelly—Mary P. McGurn Award; Delrico Farris—Leadership Award; Lachelle Ashby—Achievement Award.
Following the ceremony, Christina Sapp, a recipient of the E.M. Coulter Award, said that she plans to relocate to Michigan where she feels that employment opportunities will be abundant with her new degree and certification as a registered medical assistant in hand. "I'm the first in my family to graduate from college," she said proudly. "I'm going to get into a career instead of just a job—something I love, something I want to do—and there's no beating that."
A- The Louisville Campus Class of 2015.
B- U.S. Army veteran James Ziegler (left) overcame several obstacles to earn his business administration-management degree thanks to the support of his fellow students, as well as campus staff and faculty, such as instructor Dr. Theosious Fuqua (right).


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Lab Manager
- Employer
- UNITY Biotechnology
- Location
- Brisbane, CA
- Posted
- Jun 18, 2018
- Discipline
- Manufacturing & Production, Facilities & Site, Science/R&D
- Required Education
- Other
- Position Type
- Full time
About UNITY:
Unity Biotechnology is a biopharmaceutical company based in the San Francisco bay area that is discovering and developing novel medicines to treat chronic diseases associated with aging. Our mission is to extend human healthspan: the period in one's life unburdened by the disease of aging.
Job Description:
Unity Biotechnology is seeking to hire a Lab Manager. The Lab Manager is responsible for lab organization and laboratory support services to maximize the technical staffs' productivity. A qualified candidate is energetic, extremely organized, and takes a proactive stance towards solving problems. This position requires adaptability and an ability to perform at a high level in a fast-paced environment.
* Bachelor's degree in the biological sciences and a minimum of 4 years of relevant experience in the biopharmaceutical industry or equivalent experience.
* Demonstrated knowledge of regulations of biohazard facilities and biological and chemical material handling
* Must have demonstrated effectiveness as a hands-on, results-oriented person who is willing and able to work on a wide range of activities.
* Strong organizational skills
* Strong management and leadership skills; comfort with leadership & accountability.
* Excellent critical thinking and problem solving skills; must be able to work collaboratively across functions, levels and departments toward shared objectives
* Ability to handle multiple tasks
* Ability to work cooperatively and strategically in a team environment with all levels of professional, technical and administrative staff and to integrate resources on a timely and organized basis.
* Take initiative to identify issues or gaps and resolve them
* Independent and self-motivated, able to work independently and efficiently
* Conduct and/or manage multiple tasks with efficiency, effectiveness and attention to detail
* Must be able to lift 50 lbs
* A strong desire to be part of a growing company aimed at transforming the lives of people with serious diseases
Responsibilities include, but are not limited to:
* Oversee and lead the day to day operation of the labs, ensuring operational efficiency, organization and safety of the employees
* Ensure compliance with laboratory facilities standard operating procedures and best practices
* Interface with consultants and other internal staff to implement safety requirements, organize and maintain EH&S protocols, records, reports and compliance, prepare for inspections, ensure that employees receive proper safety training and maintain training records.
* Safely handle chemical and biological waste management, including ordering waste pickups, maintaining waste logs, and filing necessary paperwork
* Coordinate repair, maintenance, and calibration of laboratory equipment
* Monitors and maintains an adequate inventory of research lab glassware, materials, stock solutions, and laboratory equipment.
* Purchasing stock supplies, reagents, and miscellaneous items for the lab
* Coordinates daily consumable supply stocking and ordering.
* Oversight of an inventory management system for inventory tracking and replenishment.
* Organize and participate in product and software evaluations and tutorials
* Negotiating contracts and interacting with vendor representatives
* Responsible for development of tracking procedures, establishment and maintenance of service contracts and warranties with vendors
* Write and implement laboratory policies and procedures; coordinates training for scientific staff in the general use and function of designated equipment
* Designate laboratory space and assets to meet the overall needs of the research organization
* Working with accounting to assign invoices to the appropriate department
* Preparing cost-saving analyses and other documents to assist in budgetary discussions
* Point of contact for laboratory emergencies
* Other tasks as assigned


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The Flat Tech CT2007 table base is durable since it is made of cast iron. Automatic stabilizing technology has been built in to eliminate wobbling on uneven surfaces. With a cross style bottom, the table base provides more stability. The 28.35-inch height and compact design make this Flat Tech CT2007 table base ideal for small dining tables.
Product Details
- Compact design is ideal for tabletops measuring up to 30 in.
- 28.35-in. H is great for dining tables
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- Auto-adjust technology is seamless installed to prevent the table from wobbling
- Cross style base adds more stability
- Sturdy design with the 3-in. column width
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- Overall Dimensions: 22 in. W x 22 in. D x 28.35 in. H
Table Base, 28.35"H, 22"W base, accepts max. 30" round or square tabletops, auto-leveling stabilization technology, cast iron w/ textured finish
Important Prop 65 information for California residents.
Flat Tech CT2007 SpecificationsPDF Spec Sheet
|Flat Tech
|Cross Style
|Dining Height
|Product Type
|Table Base


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|Advertising Articles
Getting the Most Out of Your Networking Group
Here is my personal list of things to do at your networking group:
(1) Bring your business cards. Sound simple? Well, I regularly meet people at networking groups who have forgotten their cards or their cards are at the printers. Keep an ample supply in your car, briefcase, and pockets; you never know when you're going to meet someone important to your business.
(2) Wear a nametag. While attending a networking meeting, it is not realistic to expect to remember each person's name and the business they represent. If your nametag says what you do, it makes meeting you, and remembering you later, a lot easier. A nametag can also stimulate conversation about your business.
(3) Door Prizes. At many networking groups, there is an opportunity to give away a door prize. This type of promotion is two-fold. First; your product or service will get mentioned in a special way with lots of attentive people listening. Second; the winner will have an experience of your product or service and may tell others within the networking group. Note-the door prize does not have to be expensive. Regardless of the price, your business will still be acknowledged-thus, getting more exposure.
(4) Set a goal. After the guest speaker, there is time to network with others. You may want to make it a goal to network with a specific number of people at each meeting. While each person is introducing himself or herself, take note of who you want to talk to, so you can tell them about your business and ask about theirs. Remember, make it a two-way conversation.
(5) Respect others. If there is someone you want to talk to and they are engaged in a conversation, respect their time with the other person, and do not interrupt them. Stand off to the side where they can see you. Interrupting them may break rapport between you and them, and between them and the person to whom they are speaking.
(6) Have fun and be enthusiastic about your business.
Michael Losier, a Law of Attraction Trainer and author, supports people in understanding and practicing the Art of Deliberate Attraction, so they can have more of what they want and less of what they don't. Michael has been applying the principles of Law of Attraction for many years and enjoys a wonderful and rewarding life in the city of Victoria, BC, Canada. He facilitates a number of in-person Law of Attraction seminars as well as Teleseminars to a worldwide audience.
For more articles by Michael Losier, Teleclass information or to purchase the book, Law of Attraction, The Science of Attracting More of What You Want and Less of What You Don't, visit http://www.LawOfAttractionBook.com.
Online Advertising: 10 High Impact Psychological Triggers To Super-Charge Your Ad
If you knew these 10 high impact insider's hidden psychological triggers and plug them into your Ad and website content, you can empower them and ignite a tornado of sales at your website.
How Do People Know Youre in Business?
One of the most important things to do now that you've started a business is to TELL THE WORLD! But HOW? It can be very expensive and time consuming if not done properly. Here's some inexpensive publicity and marketing ideas to help you get recognition for your new venture.
The Graphic Problem
Digital printing has revolutionized the sign industry. Current printers can reproduce an image at 1440 dpi (dots per inch) at virtually any size. But they are worthless if the original image is of low resolution. We define resolution using pixels. A pixel is commonly thought of as the smallest individual unit of an image (tiny dots if you will). If the pixel content is low, the image will look fuzzy. Anyone that has blown up a picture in a popular program like Adobe Photoshop has experienced the pixilation of an image. The most common way to express the resolution of an image is via two integers: the first is the number of pixel columns or width and the second is the number of pixel rows or height. Another common way to express resolution is by giving the total number of pixels in the image (usually expressed as megapixels). It is determined by simply multiplying the pixel columns by the pixel rows.
Is Advertising Art?
Oh Grand and Glorious Southern Guru, I am perplexed. What ails thee, my peabrained little grasshopper? My sleep has been short, my walls have been climbed, my hair has been pulled.
What To Do With Your Business Cards
Without a plan to distribute your cards, there's no need to print them in the first place.
What Colors Make Your Services Most Attractive?
This information is based on the principles of Laws of Attraction, Law of Allowing and Law of Deliberate Creation. And the Universal Laws of Energy (like attract likes) proven by Quantum Physics.
Books, Bibles and Fast-Talkers
Every community has 'em. Fast talkers who roll into town with a clever idea to sell to people in business.
Advertising on a Budget -- Part 3: Frequency, Frequency, Frequency
This is the third article of a three-part series. I'm illustrating the marketing challenges of PrescottWeddings.com, a small business.
Can I Write and Print My Own Business Brochures and Business Cards?
If you have a computer and a printer, preferably one that can print in color, then you can make your own brochures and business cards that are very professional-looking! Be sure to use good quality paper (that is available at any office supplies store like Office Depot or Staples) for anything that you are going to hand out or send to potential customers and clients.
A Lunchtime Lesson on Print Advertising
I promise you'll be able to finish this article before you finish the first half of your PBJ. Are you sitting down? Good. Because I have some startling news for you.
3 Simple But Powerful Off-Line Advertising Strategies
There are several ways to advertise and get the word out about your business online and the best of them include f-ree search engines, pay per click search engines, writing articles, utilizing press releases, doing joint ventures/ad co-ops, and posting to message boards and forums related to your target market.
80% of All Advertising Is Wasted Due To This Common Mistake
You're flipping through this publication as you wait for your latte, when suddenly you decide to stop and read an ad. What made you stop? I'll bet it was an attention grabbing headline.
Yellow Page Advertisers: Your Calls are Going to Decrease - Heres the Remedy
Response rates to Yellow Page advertising are declining
Latino Television Programs Fill a Void in Hispanic Advertising; While Advertisers Look to Attract
Advertisers that are beginning to focus on the young Hispanic market have been given a gift in the form of Latino television programming. Now mind you it's not your typical Latino television programming that you would find on Univsion, this programming is geared towards the large and most overlooked demographic, U.S. born Latinos.
Unlock The Power Of Online Groups
Yahoo Groups: I see countless marketers on shoestring budges turn to traffic exchanges for free traffic. If they would spend the time creating online groups rather than clicking for traffic they would see much more quality traffic. By no means am I saying throw in the towel on traffic exchanges as I use a number of them.
Lamination of Signs
I suspect that everyone has an idea of what lamination is even if you have only seen it in passing. Restaurant menus are a common example. A plastic finish is placed over the menu to protect it from food and stains. But did you know that you can laminate just about anything that is flat? If it needs to be protected and reused, it is something to consider for lamination. The laminate also makes the original material stronger and more durable. All of our signs can be laminated, but the reasons are varied and not all signs should be laminated.
Does Your Brochure Pass the Test - Or is It Headed for the Trash? Part Two
In part one of this article we discussed the importance of the look or appearance of your brochure.
5 Newspaper Advertising Myths Revealed
What I'm about to reveal are myths that most people think are 'true.'
Does Your Brochure Pass the Test - Or is It Headed for the Trash? Part One
The decision on whether or not someone will read your brochure is usually decided in the first 5 seconds they look at it. What kind of message are you communicating in that five seconds? Will you make a favorable impression with your prospect? Will you move your prospect closer to the sale?
Information Gathering & Delivery May Never Be The Same!
Give Us The Bottom Line!
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SALT LAKE CITY — A bill intended to ensure all married couples are treated equally in adoption and foster placements of children in state care failed in a House committee Wednesday.
Rep. Angela Romero, D-Salt Lake City, said she proposed HB234 as an administrative update to Utah code to reflect the U.S. Supreme Court decision legalizing same-sex marriage. She said the state risks being sued if it doesn't update the law.
"I have a lot of constituents who are very loving parents. For us to deny them a right because of who they love is ridiculous," she told the House Judiciary Committee.
The committee vote ended 5-5, meaning the bill failed. The legislation aimed to change the words "man and woman" to "couple" or "spouse" in state adoption and foster parent laws.
Committee members opposing the bill argued that the Supreme Court decision is limited to only marriage and doesn't demand Utah confer other rights.
"States are required to give gay couples marriage licenses. They are not required to give gay couples children either through foster placements or adoptive placements," said Rep. Merrill Nelson, R-Grantsville, the committee vice chairman.
Nelson said the state isn't barring gay parents from adopting or foster care, but remains free to express a preference for man-woman marriages in child placements.
"This should not be about gay couples," said Rep. Mark Wheatley, D-Murray. "It should be about whether or not the children are in a safe environment."
Salt Lake attorney Paul Burke told the committee that the Supreme Court made clear that its ruling applies to all conditions of marriage. The state, he said, can't ban same-sex couples from marriage on the same terms as opposite-sex couples. Leaving man and woman in the law makes it unconstitutional, he said.
But Committee Chairman Rep. LaVar Christensen, R-Draper, said those favoring the bill mischaracterized the Supreme Court decision. Legislators, he said, can't be "misled" into thinking they have to broaden or extend the law.
"It expands an area that is disputed law. It is based on a flawed premise," Christensen said of HB234.
Rep. Lowry Snow, R-Santa Clara, said voting against the bill means the issue will come up again either in court or at the Legislature. If lawmakers don't make a decision, it would be telling judges the state hasn't decided if same-sex couples are legally qualified to be adoptive or foster parents, he said.
"I would prefer we own that policy decision and not the courts," Snow said.
Another bill sponsored by Sen. Lyle Hillyard, R-Logan, would change dozens of references in state paternity law to reflect legalized same-sex marriage.
SB179 would change "man" or "woman" to "person" and "father" to "parent," for example, in the Utah Uniform Parentage Act, which deals with paternity and parental rights. It is scheduled for a hearing in the Senate Judiciary, Law Enforcement and Criminal Justice Committee on Thursday.
Email: [email protected]
Twitter: dennisromboy


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text: So because I'm not happy with the water model I did for aspen(its to static I think), I've now started learning realflow. Go figure. What I learnt from this sim is that it needs a pre-sim. For the water to settle in. It took a day to sim this. It gets a bit tedious. But hopefully I'll get a decent result for the final image.