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Privacy Policy
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Vapotherm, Inc. / US Data Privacy Policy
Vapotherm, Inc. (herein referred to as "Company," "we," "our," or "us") respects your privacy and is committed to protecting it through our compliance with this policy.
This policy describes the types of information we may collect from you or that you may provide when you visit the website www.vtherm.com (the "Website") and our practices for collecting, using, maintaining, protecting and disclosing that information. This privacy policy is intended for a U.S. audience. If you are not located in the U.S., please see our other privacy policies.
This policy applies to all items of personal information/data we collect or that is supplied to us through various mediums, including:
- In email, text and other electronic messages between you and the Website;
- Through mobile and desktop applications you download from the Website that provide dedicated non-browser-based interaction between you and the Website; and
- Any interactions with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you should not use our Website. By accessing or using the Website, you accept and agree to this privacy policy and all of its terms.
Information We Collect
When you use the Website, we may collect and use personally identifiable information about you, as well as other usage information. "Personally identifiable information" includes name, postal address, email address, telephone number, social security number, or similar information that can be used to identify you and is defined as personal or personally identifiable information under applicable law. We may also collect usage information, which is information generated automatically as you navigate through the Website. More specifically, when you use the Website, we may collect the following information:
- Details of your visits to the Website and the resources that you access, including, but not limited to, traffic data, location data, weblogs and other communication data, including your IP address, browser type, the date and time you accessed or left the Site, and which pages you viewed. Some parts of our Site use cookies, pixel tags (also known as "web beacons"), and other technologies to collect this information about your general internet usage. See the section below called "How We Use Tracking Technologies" to learn more;
- Information that you provide directly to us by filling in forms on our Site, including your name, email address, street address, telephone number, or other information; and
- Information provided to us when you communicate with us for any reason, including information you provide in emails you send us, responses to surveys, search queries on the Website, and details of any transactions.
We collect this information:
- Directly from you when you provide it to us;
- Automatically as you navigate through the site; and
- From third parties (for example, our business partners).
How We Use Tracking Technologies
A cookie is a small file placed on the hard drive of your computer when you visit a website. When you visit the website again, the cookie allows that site to recognize your browser. Cookies may store user preferences and other information. You may refuse to accept cookies by activating the appropriate setting on your browser. However, if you select this setting you may then be unable to access certain parts of the Website.
For additional information about cookies, please reference our Cookies Information page.
Web Beacons
Certain pages of the Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited these pages or opened the email and provide other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
How We Use Your Information
We use the information we collect from you primarily to enable us to provide our services in the best possible manner. In addition, your information may be used for the following purposes:
- To present the Website and its contents to you;
- To improve our medical device technology and related services;
- To provide you with information, products or services that you request from us;
- To fulfill any other purpose for which you provide the information;
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
- To notify you about changes to the Website or any products or services we offer or provide through it;
- To deliver interest-based content and advertising to you that is targeted to the interests we identify through your online activities;
- To administer the Website, including monitoring and analyzing the Website's traffic and usage patterns; or
- For any other purpose with your consent.
When you provide us with personal information we also may use and share your personal information to contact you, including via email, to thank you for providing your request, to conduct satisfaction surveys, or for other administrative purposes related to your request.
Disclosure of Your Information
We may disclose aggregated information about our users and information that does not identify any individual without restriction.
We may disclose personal information that we collect or you provide as described in this privacy policy:
- To our subsidiaries and affiliates;
- To our trusted contractors, service providers and other third parties we use to support our business;
- To a buyer or successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Vapotherm's assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by Vapotherm about the Website users is among the assets transferred;
- To third parties to market their products or services to you if you have consented to/not opted out of these disclosures;
- To fulfil the purposes for which you provide it;
- For any other purpose disclosed by us when you provide the information; or
- With your consent.
Third parties that have access to your personal information are not allowed to use it for any other purpose besides as needed to perform their functions. We do not sell or rent personal information collected through the Website to anyone.
We may also disclose your personal information if we have a good faith belief that disclosure is necessary to:
- Comply with any court order, law or legal process, including to respond to any government or regulatory requirement; or
- Protect the rights, property, or safety of Vapotherm, our customers, or others. This includes exchanges of information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Third-Party Websites
Some of the content or applications – including advertisements – on the Website are served by third parties, including advertisers, ad networks and servers, content providers and application providers. While we seek to link only to sites that share our high standards and respect for privacy, we are not responsible for the privacy practices used by other websites. By accessing other third-party websites or applications through the Website, you are consenting to the terms and privacy policies of those websites. It is possible that other parties may collect personally identifiable information or use cookies to collect information about your online activities over time and across different websites.
Your Choices
We strive to provide you with choices regarding the personal information you provide to us. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes or if you do not want us to use the information that we collect to deliver advertisements according to our advertisers' target-audience preferences, you can opt-out by sending us an email stating your request to [email protected].
Accessing and Correcting Your Information
You may send us an email at [email protected] to request access to correct or delete any personal information that you have provided to us. We may choose not to accommodate a request to change information if we believe the change will violate any law or legal requirement or cause the information to be incorrect.
If your information has been shared with a third party, as described elsewhere in this privacy policy, then that third party has received its own copy of your data. If you have been contacted by one of these third parties and wish to correct or delete your information, please contact them directly.
Data Security
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our servers behind firewalls.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to the Website. Any transmission of personal information is at your own risk. We are not responsible for any circumvention of any privacy settings or security measures contained on the Website.
International Visitors and Privacy Shield
As stated above, this privacy policy is intended for a U.S. audience only. If you are accessing the Website from outside of the U.S., please review our other privacy policies to learn how we handle the information from other countries.
The Website is hosted and operated in the U.S. and elsewhere in the world. By using the Website, you are consenting to the transfer of your personal information to the U.S. If you are accessing the Website from outside the U.S., please be advised that U.S. law may not offer the same privacy protections as the law of your jurisdiction.
California Privacy Rights
California law allows California residents to ask companies with whom they have an established business relationship to provide certain information about the companies' sharing of personal information with third parties for direct marketing purposes. We do not share any California consumer personal information with third parties for marketing purposes without consent.
California customers who wish to request further information about our compliance with this law or have questions or concerns about our privacy practices may contact us at [email protected].
Users Only of Legal Age of Majority
The Website is designed and intended for those who are at least 18 years old. By using the Website, you affirm that you are at least 18 years of age or older. We are not liable for any damages that may result from a user's misrepresentation of age. No one under age 13 is authorized to submit any information, including personally identifying information, on the Website. Under no circumstances may anyone under age 13 use our Site. Parents or legal guardians of children under 13 cannot agree to these terms on their behalf.
Changes to our Privacy Policy
It is our policy to post any changes we make to our privacy policy on this page (with a notice that the privacy policy has been updated on the Website Home page). You are responsible for periodically visiting the Website and this privacy policy to check for any changes. Your continued use of the Website will be deemed your agreement that your information may be used in accordance with the new policy. If you do not agree with the changes, then you should stop using the Website and notify us that you do not want your information used in accordance with the changes.
Contacting Us
We welcome any questions, comments, or complaints you may have regarding this Privacy Policy. Please do not hesitate to contact us by email at [email protected].
Vapotherm, Inc. and all of its EU-based subsidiaries (herein collectively referred to as "Vapotherm," "Company," "we," "us," or "our") are committed to protecting your privacy. We publish our Privacy Policy so that you can understand our privacy practices and how they help protect your privacy.
Vapotherm is a trans-national business headquartered in the United States. Our management structure and business processes cross borders. This means that our customer and employee data is transferred across borders.
Vapotherm may from time to time handle personal information collected from individuals located within European Union member countries. Vapotherm has certified that it adheres to the EU-US and Swiss-US Privacy Shield Principles of:
- Notice
- Choice
- Accountability for onward transfer
- Security
- Data integrity and purposes limitation
- Access
- Recourse, enforcement and liability
Vapotherm complies with the EU-U.S. Privacy Shield Framework and Swiss-US Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union and Switzerland to the United States. Vapotherm has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification, please visit https://www.privacyshield.gov/
Vapotherm is under the jurisdiction as well as the investigatory and enforcement powers of the US Federal Trade Commission for the purposes of the EU-US Privacy Shield Framework and Swiss-US Privacy Shield Framework.
This Policy applies to all information collected by Vapotherm from which an individual can be identified ("Personal Information"). The Personal Information we collect includes the Employee Information described below as well as certain information including names, email addresses, mailing and billing addresses and telephone and fax numbers collected from customers, potential customers and end users of our products and services for sales, marketing, order fulfilment and order delivery purposes. Additionally, in our section on Online Information we also discuss how we gather and use all information gathered online even if it is not Personal Information. Vapotherm will not deviate from this Policy even if applicable national laws are less stringent than this Policy.
Excluding our Employee Information which is discussed below, we collect, process and use your Personal Information only as a part of our business relationship with you and your company, including contract and billing administration; product and service delivery; fulfilling our business obligations to our customers and resellers; communicating with customers and potential customers about marketing and technical information concerning our products and services; notifying our customers and potential customers regarding product launches and important events related to Vapotherm; and other related business activities of which you are informed at the time your Personal Information is collected or as soon thereafter as practicable. Vapotherm only collects personally identifiable information about individuals when such individuals specifically provide such information to us on a voluntary basis or while requesting information on our products or services. We may disclose Personal Information to our agents, resellers and business partners or to protect and defend the rights or property of Vapotherm. Vapotherm must reply to lawful requests from public authorities, including to meet national security or law enforcement requirements, for disclosure of Personal Information.
Vapotherm does not sell, lease, or rent Personal Information to third parties.
Online Information
In general, you may visit our Websites without providing any Personal Information. However, you may choose to provide us with Personal Information by completing online forms. At the point of collection we will inform you of how your Personal Information will be used; apart from these uses, Vapotherm will only use your Personal Information in accordance with the terms of this Policy.
Use of Cookies
Cookies are small files that a site transfers to your computer's hard drive through your web browser (if you allow) that enables it to recognize your browser and capture and remember certain information. A cookie cannot read data off your hard drive or read cookie files created by other sites. Cookies may do things like allow you to navigate faster through the site, remember your preferences and passwords and generally improve the user experience. You can turn off the ability to receive cookies by adjusting your bowser settings – please note that if you do so, this may affect the functionality of the website and the information you can access through it.
Vapotherm uses cookies to compile aggregate data about website traffic and interaction so that we can offer better site experience and content in the future. We use third-party companies such as Google-Analytics to assist us in understanding our website visitors.
Employee Information
We collect Employee Information from prospective and present Employees only for legitimate business purposes, including
- the management and operations of our company, its functions and activities,
- Employee communications, including Employee surveys,
- maintaining a global directory,
- carrying out obligations under employment contracts and employment, tax and benefits laws, and in connection with other working relationships or arrangements,
- development and training programs,
- recruiting and hiring job applicants,
- assessing qualifications and performance,
- performing background checks and verifying references where applicable,
- managing Employee performance,
- determining Employee compensation or payment,
- managing the Employee termination process, and
- other general human resources purposes.
Our European Union Employees at the time of their employment are notified in detail how their Personal Information will be used. Employee information on health, performance evaluations and disciplinary actions and other sensitive Employee matters, whether it is stored manually or electronically, is accessible by other Vapotherm Employees only if necessary with respect to legitimate human resource functions or issues. Vapotherm will obtain affirmative consent from an Employee before using such Employee's Personal Information for any purpose other than described above. Employees may decline to provide this consent, and Employees may withdraw their consent at any time.
For legitimate human resources purposes, Employees may choose to voluntarily disclose Personal Information about family members. If our Employees choose to do this, their family member's Personal Information shall be treated, for the purposes of this Policy, the same as an Employee's Personal Information. Employee Personal Information is never sold, leased or rented to any third party. Employee Personal Information will never be disclosed to third parties except as follows:
- to those retained by Vapotherm as agents for the purposes set forth in the paragraph above,
- where required pursuant to an applicable law, government or judicial order, law or regulation, or to protect the rights or property of Vapotherm
- where authorised in writing by the Employee, and
- where the Employee voluntarily provides Personal Information and the context makes it clear such information will be provided to a third party.
Where personal data is transferred from the EU to the US in the context of the employment relationship, we will cooperate in investigations by and to comply with the advice of the competent EU Authorities.
We will always give you an opportunity to choose opt-out before your Personal Information is (1) disclosed to a third party (other than a Vapotherm agent doing work at our direction), or (2) to be used for a purpose that is materially different than that for which it was originally collected or subsequently authorised by you. Although we do not ever anticipate providing sensitive Personal Information, such as Employee health information, to a non-agent third party or using it for a purpose other than that for which it was collected, we will never do so without first allowing the individual involved to affirmatively and expressly consent (opt-in) to such transfer or use. The only exception to this choice for both sensitive and non-sensitive Personal Information would be where we are required to disclose your Personal Information pursuant to government or judicial order, law or regulation to meet national security or law enforcement requirements.
At a minimum, you will always be able to opt-out from receiving marketing materials from Vapotherm If we determine that applicable national law requires that more stringent requirements (opt-in) be applied before you receive marketing material or other communications from us, we will implement the same.
Accountability for Onward Transfer
We will not transfer Personal Information originating in the EU or Switzerland to third parties unless such third parties have entered into an agreement in writing with us requiring them to provide at least the same level of privacy protection to your Personal Information as required by the Principles of the EU-US and Swiss-US Privacy Shield Frameworks. We will only transfer data to our agents, resellers or third party service providers (such as accountants, attorneys, consultants and other service providers) who need the information in order to provide services or to perform activities on behalf of Vapotherm, including in connection with the delivery of services or products, Vapotherm's management, or legal responsibilities. We acknowledge our liability for such data transfers to third parties.
To protect Personal Information collected and stored by Vapotherm, we have in place reasonable and appropriate technical and operational security measures to prevent Personal Information from loss, misuse, unauthorised access, disclosure, alteration and destruction.
Data Integrity and Purpose Limitation
We will only collect and retain Personal Information which is relevant to the purposes for which the information is collected, and we will not use it in a way that is incompatible with such purposes unless such use has been subsequently authorised by you. We will take reasonable steps to ensure that Personal Information is reliable for its intended use, accurate, complete and current. We may occasionally contact you to determine that your data is still accurate and current.
You have the right to access personal data relating to you. If you wish to access, amend, or confirm that Vapotherm has personal data relating to you, or if you wish to correct or delete your Personal Information if it is inaccurate, please notify us at [email protected] or at (603) 658-0411. We will respond to your request within a reasonable time.
Employees may review their personal files and any Personal Information concerning them upon by emailing [email protected]
Recourse, Enforcement and Liability
Since we are committed to protecting your privacy as set forth in this Policy, if you think we are not in compliance with our Policy, or if you have any question or if you wish to take any other action concerning this Policy or your Personal Information, we encourage you to contact us at [email protected] or call us at (603) 658-0411. We will investigate your complaint, take appropriate action and report back to you within 45 days.
If the Personal Information in question was transferred from the EU or Switzerland to the United States, and you are not satisfied with our response, Vapotherm has agreed to participate in the dispute resolution procedures of the panel established by the EU data protection authorities (DPAs) and Swiss FDPIC to resolve disputes pursuant to the EU-US Privacy Shield Principles. A resident of the European Union (EU) or Switzerland whose enquiry has not been satisfactorily addressed may contact the EU DPAs panel or individual EU DPAs using the information provided at http://ec.europa.eu/justice/data-protection/bodies/authorities/third-countries/index_en.htm to resolve disputes pursuant to the EU-US and Swiss-US Privacy Shield Principles.
Vapotherm commits to cooperate with EU data protection authorities (DPAs) and the Swiss Federal Data Protection and Information Commissioner (FDPIC) and comply with the advice given by such authorities with regard to human resources and non-human resources data transferred from the EU and Switzerland in the context of the employment relationship.
Finally, as a last resort and in limited situations, EU and Swiss individuals may seek redress from the Privacy Shield Panel, a binding arbitration mechanism.
The services of the EU DPAs panel are provided at no cost to you.
Limitation on Application of Principles
Adherence by Vapotherm to these EU-US and Swiss-US Privacy Shield Principles may be limited (a) to the extent required to respond to a legal or ethical obligation; (b) to the extent necessary to meet national security, public interest or law enforcement obligations; (c) to the extent expressly permitted by an applicable law, rule or regulation; and (d) to the extent that Vapotherm has limited or no control over the actions of the individuals who have provided information.
Contact Information
Questions or comments regarding this Policy should be submitted to Vapotherm by email to: [email protected] or by mail to: Vapotherm, 100 Domain Drive, Exeter, New Hampshire 03833.
Changes to this EU-US and Swiss-US Privacy Shield Privacy Policy
This Policy may be amended from time to time, consistent with the requirements of the EU-US and Swiss-US Privacy Shield Principles. A notice will be posted on the Vapotherm website (www.vapotherm.com) for 60 days whenever this EU-US and Swiss-US Privacy Shield Privacy Policy is changed in a material way.


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Bespoke Tours
Create your own experience in a region rich in culture, history, natural beauty and delicious produce.
The Goulburn River Valley region has so much to offer its impossible to create a tour that will suit everyone.
So why not create your own??
Do you have a special occasion to celebrate with family or friends?
Birthday, Anniversary, or just want to spend quality time with your nearest and dearest?
Want to treat your staff for their loyalty and hard work?
Or maybe you have business clients or associates you want to impress?
Whatever your needs or desires are, I will create an experience for you and your group that you'll never forget!
Choose from the following list of activities:
· Horseback riding
· River/Lake cruises
· Skydiving
· Nature Hikes
· Art galleries
· Antiques & Local crafts
· Local Wine, beer & cider tasting
· Privately catered meals
· Water activities – fishing, paddle boarding, swimming, kayak or canoeing,
If there is something you want to do that isn't listed, just ask!
Give me a call or email an enquiry with as much or as little detail as you can and let me take care of everything!!
Please read our Terms and Conditions prior to booking your tour.
Proudly supporting
Children First Foundation
Enquire about this tour
To enquire about one of our tours or make a booking please fill out the form below:

subset: commoncrawl


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Regardless of which type of loan you're applying for, there are certain steps you'll always need to take to apply for a small business loan. So before you invest time, money, and energy into the process, have a look at these steps.
Step 1: Ask yourself why you need this loan.
In some ways, this is the most obviously answerable question you should ask before you apply for a small business loan. It's also the most important. You need a loan because your business needs more money. But it can – and should – be more specific than that. Effective borrowing is strategic, well thought-out borrowing.
Are you pursuing a loan because you're looking to buy new equipment? Are you looking to hire? Are you moving into a new marketplace? Expanding? Acquiring another company? Covering another, older debt?
Once you can fully and honestly answer the question of why you're in need of money, the rest of the process will be much more clear.
Step 2: Create a Business Plan
Part of answering the question of why you need a loan is determining where that loan fits into the larger goals you have for your business. And to understand that, you should create and maintain a detailed business plan.
While there's no one way to create one, The United States Small Business Administration (SBA) does provide a business plan guide which may be helpful if you're getting started or want to brush off some rust on your existing one.
Regardless of exactly how you create it, your business plan is an extremely important document. For starters, it's like the outline you do before you sit down to write an essay. It gives you a framework for moving forward. But it's also a means to achieve your financial goals.
Many lenders will ask to review your business plan before they approve a loan. So ensuring that your business plan is feasible, professional, and indicative of how you'll run your business for the long term will also help you as you seek out capital.
Step 3: Learn about your lending options
Similar to understanding why you need a loan, researching the options you have for getting that loan will help ensure that you're prepared for the infusion of capital, planning to use it properly, and know how to repay it.
There are a ton of different small business loan options. You might be qualified for a low-interest SBA loan. You might need a quick infusion of cash from a short-term loan or non-loan financing like a merchant cash advance. It's wise to put some real research into potential lenders so that you can be sure you're borrowing the right amount of money at the right cost for the right reasons.
Step 4: Determine the documents you'll need.
This list can change depending on the type of loan for which you've decided to apply. But regardless of which type of loan, which lender, and what you're planning to do with the loan, some docs don't change. For instance, you'll almost always have to share recent bank statements and your latest business tax return.
Create clean copies of every necessary document. Having these saved in digital format will make it even easier for you to apply for financing in the future, since many lenders now offer fully digital applications. If there's even a moment's doubt of whether you think a document may be necessary, prepare it anyways. Review every document for accuracy, clarity, and relevance.
Check, double check, and triple check the application process to ensure you've got everything you may need.
Step 5: Prepare personal documents.
Some lenders will ask for personal documents. These papers might include your personal credit score (even if you're applying with bad credit), a resume, and other types of documentation that tells the lender you are who you say you are.
Step 6: Prepare business documents.
For most business loans, you'll need to provide a business license and proof of ownership to ensure that the correct person is receiving the funds and that no one else needs to be involved with signing off on the application.
Step 7: Prepare financial documents.
At its core, a business loan is an investment a lender makes in your business. So they'll want to see proof that your business is a trustworthy borrower. They'll want to see credit history in the form of a business credit score and credit report to determine that you're dependable to your creditors.
The lender may also ask to see your balance sheets and/or tax returns to see proof of whether your company is generating enough consistent revenue to be eligible for the approval of a loan. A company that isn't generating sufficient income isn't likely to be a company capable of paying back a loan.
Step 8: Present your case to the lender.
You've done the research. You know why you need the money, where it's going, and your best option for securing the money at a feasible rate. The hay is in the barn, as the old saying goes. With no more research, practice, or preparation to be done, it's time to prove that your company is worth a loan.
Now, in many cases, you'll meet with the lender. That could mean walking into a branch in your best suit, or it could just be a simple call over the phone, especially nowadays with so many more alternative finance options out there. You're going to go into that meeting fully prepared. Your business plan is sound, your finances are strong, well laid-out, and properly accounted. After you've explained it all and sent a thank-you note, and all the rest, you're now ready for what may be the most difficult part of the entire process.
Step 9: Be patient.
Lenders don't make their decisions immediately. The lender of an SBA loan, for example, might take weeks or months to approve or deny a loan application. There's no one to pester, and nothing more you can do. Once your application is submitted and your meeting is complete, all you can do is wait for the results.
And when they come, take it in stride. If you're approved, congratulations! Follow your business plan into the next steps. If you're denied, that doesn't mean your company isn't viable.
Of course, business owners now have much faster options for getting financing than they used to. So if your application is taking too long to process consider looking at alternatives to secure the financing you need.
When the results come, take it in stride. If you're approved, congratulations! Follow your business plan into the next steps. If you're denied, that doesn't mean your company isn't viable.
Step 10: Plan for the future.
If your application is accepted, this means creating and acting on a plan to repay the loan in full. After all, on-time repayment in full leads to better rates on future loans, which can lead to expansion, improvement, and more money for your company.
If your application is denied, don't despair. Determine the reasons the lender denied your application. Was it because your company wasn't a perfect fit with that type of loan? Were your finances the problem? Do you run a high-risk business?
Regardless of why you were denied, you can almost always apply again. Maybe you'll need to improve your credit score or revamp your business plan. Maybe you need to apply for a term loan instead of an SBA loan. No matter what, you can try again for the funding you need and hopefully be on your way to the capital you require for business success.
Tim Kelly
He has consulted some of the top brokerages, media companies and financial exchanges in the area of finance, online marketing and content management including: The New York Board of Trade, Chicago Board Options Exchange, International Business Times, Briefing.com, Bloomberg and Bridge Information Systems and 401kTV.
He continues to be a regular market analyst and writer for ForexTV.com. He holds a Series 3 and Series 34 CFTC registration and formerly was a Commodities Trading Advisor (CTA).He was also a licensed Property & Casualty; Life, Accident & Health Insurance Producer in New York State.
In addition to writing about the financial markets, Mr. Kelly writes extensively about small business marketing and finance.
Mr. Kelly attended Boston College where he studied English Literature and Economics, and also attended the University of Siena, Italy where he studied studio art.
Mr. Kelly has been a decades-long community volunteer, he established the community assistance foundation, Kelly's Heroes. He has also been a coach of Youth Lacrosse for over 10 years. Prior to volunteering in youth sports, Mr. Kelly was involved in the Inner City Scholarship program administered by the Archdiocese of New York.
Mr, Kelly was Sr. VP Global Marketing for Bridge Information Systems, the world's second largest financial market data vendor. Prior to Bridge, Mr. Kelly was a team leader of Media at Bloomberg Financial Markets.
Latest posts by Tim Kelly (see all)
- 5 Times You Might Need a Quick Business Loan - March 19, 2019
- Is a Bank or Credit Union Right for Your Small Business? - March 12, 2019
- 10 Ways for Establishing Small Business Credit - March 5, 2019


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Activities for Enrichment…Learning for Life
Everything you teach your students in class is enriching and beneficial for their lives beyond the classroom, from the ability to self-regulate to achieving academic success…from connecting with the world around them to conquering core skills. When it comes to meeting the needs of the whole student, n2y's programs combine to create a cohesive total solution for your special education classroom. It's a relevant, engaging way to prepare students with both the knowledge and the life skills they'll need to thrive in the social and professional roles that await them.
Try this set of sample activities, strategies and skills practice—taken from our full solution and tied together thematically, visually and digitally—to experience how, with n2y, everyone can learn!
Apply these student‑centered Behavior Strategies
Empower self-regulation, prevent classroom disruptions, and save valuable instructional time with easy access to proactive strategies. Check out three sample strategies from Positivity designed to reinforce desired behaviors.
Explore a dynamic lesson
Try out a lesson from each Unique Learning System grade band to experience the customizable, differentiated lesson plans, standards-aligned instructional targets and dynamic activities included in each monthly thematic unit. Access the system on any device!
Embark on a Transition Passport activity
Build the executive function and planning skills required for a successful social event. Have your older students (middle school through transition) plan for an outdoor adventure with friends by working through the steps in this activity.
Immerse your class in World Events
Survey the news in five different levels to find the right match for your students. News‑2‑You, our engaging weekly newspaper, features informational text, cross-curricular content and a wealth of fun learning activities to support language and literacy standards.
Take on high-interest Skill Practice
Embrace the power of interactivity and let the games begin! L3 Skills offers a fun and relevant way for students to practice academic and transition life skills—and adds flexibility to your classroom management toolkit.


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University of Canterbury
A partnership approach to training students by the National Institute of Water and Atmospheric Research (NIWA) and the School of Biological Sciences, UC, lead to the formation of the Centre of Excellence in Aquaculture and Marine Ecology (CEAME).
The objectives of CEAME:
- Promote and enhance excellence in aquaculture and marine ecological research
- Attract the best students nationally and internationally
- Train students at the postgraduate level by sharing and using the joint expertise of university and NIWA personnel
- Attract funding to support student training and research
- Provide opportunities for students to do research with NIWA scientists in established and new programmes
- Increase collaborative linkages between NIWA and the university.
Information for Students:
A broad range of disciplines are covered by CEAME, including mathematics and engineering.
Funding is available for both personal support through scholarships and operational support for field-based work. Students are situated in offices on the NIWA campuses in Wellington and Christchurch and given full access to NIWA facilities.
Solving environmental problems, usually with links to industry, is a hallmark of the student projects, with emphasis on attacking these problems within the larger conceptual and theoretical issues of marine science.
Student research being done in CEAME is being fed into the ecological modelling done by others, a significant advantage of the "centre" approach. As the projects expand there has been an expansion of supervisory affiliates from NIWA and the university.
CEAME provides a useful middle ground in curiosity-driven science between the smaller projects that characterise marine science in the university and the often highly applied science of NIWA.
For more information visit the University of Canterbury website.


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These are always fun and light-hearted. Ideal for a personalized wedding gift to be used in home or garden. An added enhancement for any Gift Table
.. Baby stones are fun with child's name and date. Grandmother stones with listings of all their blessings, Life Verse Stones for a child to grow up being blessed by.
Retirement stones always silly but meaningful. Special Birthday Bricks with year and items celebrating their uniqueness. Business Bricks and Garden Stones all show your.


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Payment Calculator
Use the car payment calculator at Reeves Volkswagen to get an estimate on your auto loan rate or monthly car lease payments in the Tampa or Wesley Chapel areas. When you're ready to upgrade your Tampa drive with a VW Passat or Atlas, be sure to consult our payment calculator.
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Starry Stonewart in Michigan Lakes
Mount Patterson seen from Lobdell Lake, credit: summitpost.org
"Starry Stonewart is a non-native macro algae that has quickly spread across inland lakes of Michigan," said Eric Bacon of the Aquatic Nuisance Control of Michigan's Department of Environmental Quality. "Most notably across southeast Michigan and the southern half of the Lower Peninsula."
Now present in lakes such as Lobdell, Fenton and Byram, the algae can reach heights over 2 meters, and local experts are worried that the plant will reduce the diversity of local flora, as well as impede the movement of fish, spawning activity, and water flow.
"The presence of Starry Stonewart has impacted the native plant community, which fish species rely upon for habitat, and may be negatively affecting fish spawing areas of lakes in Michigan," said Bacon.
For the full article, click here or on the link available below.


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Theresa M. Wanat is a Houston trial and arbitration attorney who focuses on litigation matters affecting a wide range of industries and involving various issues. She represents clients in the energy sector, including oil, gas and electric cooperatives; healthcare sector, including managed care and provider disputes; insurance industry; real estate sector; and the financial services industry. Ms. Wanat also is well-versed in providing significant personal injury defense.
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15 Braided Hairstyles Made For Long Locks
Flaunt those beautiful tresses and keep stray hairs at bay by adding a few new hairstyles into your weekly routines. These 15 braided hairstyles were made for long locks and were loving the tutorials that go along with them! From pigtails to updos, lets take a peek at how to style these looks and give yourself some new hair inspiration.
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What Is User Retention?
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A Layered Approach to License Compliance
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MSIX Values: Introduction to Package Support Framework (PSF)
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How to build better applications with a data-driven roadmap leveraging software usage analytics.View eBook
Take a Customer-Centric Approach to Product Management
Understanding customers and aligning product roadmaps with the customer journey.View eBook
5 Quick Wins to Get Started with Software Usage Analytics
Game-changing insights that reduce assumptions about your users' behavior and bring knowledge into your decision making processes.View Solution Brief
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Read this Knowledge Brief and learn more critical data points from pointing to how managing open source risk the right way opens organizations up to making well-informed business decisions.View Knowledge Brief
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Building and Expanding a $20M Licensing Revenue Recovery Program
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List of Courses in Maulana Azad National Urdu University, Hyderabad
Maulana Azad National Urdu University came into existence in the year 1998 and it is a central university located in the city of Hyderabad in Andhra Pradesh. The university was given this name in honor of the first minister of education of India and a scholar of Urdu and Islam literature Mr. Maulana Abul Azad. The university was established with the objective of promoting Urdu language, to offer education through Urdu medium and to pay attention to the education of women.
The university has been awarded with A grade status recently by the National Assessment and Accreditation Council. The university is offering education in the faculties of arts, business administration and education and it is also offering a number of courses not only to students belonging to India, but also to the students belonging to different countries through its Directorate of Distance Education. The list of courses offered by the Maulana Azad National Urdu University through direct and distance education is given below:
PG Courses:
• Master of Arts in
o Persian
o English
o Arabic
o Hindi
o Urdu
o Translation
o Women Education
o Public Administration
o Mass communication & Journalism
• Master of Business Administration
• Master of Philosophy in
o Public administration
o Political science
o Women education
o Hindi
o English
o Urdu
• Master of Education
• Bachelor of Education
Doctoral Programmes:
• Doctor of Philosophy in
o Education & Training
o Public Administration
o Women Education
o Hindi
o English
o Urdu
Diploma Courses:
• Diploma in
o Education
o Arabic
o Arabic Translation
• Post Graduate Diploma in
o Information technology
o Functional Urdu
Courses offered through Directorate of Distance Education:
PG Courses:
• Master of Arts in
o English
o History
o Urdu
UG Courses:
• Bachelor of Arts
• Bachelor of Commerce
• Bachelor of Science
• Bachelor of Education
Diploma Courses:
• Diploma in
o Journalism & mass communication
o English teaching
• Post Graduate Diploma in
o Tourism management
o Museology
Certificate Courses:
• Certificate in
o Functional English for Urdu speakers
o Proficiency in Urdu through Hindi
o Proficiency in Urdu through English
o Food & Nutrition
Maulana Azad National University has a Centre for Urdu language, literature and culture and Urdu learning and research institution in its main campus at Hyderabad. In addition to this, the university has 169 study centers, six sub-regional centers and nine regional centers at different parts of India.
- Assistant Professor - Maulana Azad National Urdu University (MANUU), Hyderabad
- Associate Professor - Maulana Azad National Urdu University (MANUU), Hyderabad
- List of Colleges in Maulana Azad National Urdu University, Hyderabad
- Professor, Maulana Azad National Urdu University
- Assistant Professor, Maulana Azad National Urdu University
- Professor, Associate Professor, Maulana Azad National Urdu University
- B.Tech in Maulana Azad National Institute of Technology (MANIT)
- Government Jobs in Ministry of Minority Affairs
- List of universities in Hyderabad
- BBA Colleges in Hyderabad
- Admission details of Maulana Azad College
- List Of Colleges Providing Correspondance Courses
- Maulana Azad National Institute of Technology, Bhopal
- Mass Communication Colleges in Andhra Pradesh
Do you have any question? Please ask:
18 Responses to "List of Courses in Maulana Azad National Urdu University, Hyderabad"
18Huma: On August 10th, 2013
In which languages jenralism course is available???????????????????
17Syed Arif: On July 29th, 2013
My P g diploma in urdu is course ko padna chatahun.manuu me a course h ya nahi plz jaldi malum karaiye.is k bare me aur jankari k liye contect num batiye.
16zarrin: On July 13th, 2013
I am from dis Jalna.in maharashtra.can i get B. ed center or college information which are nearest to my district.
15arif: On July 5th, 2013
i want p g urdu diploma course in manun university.avlaible this course?
14Md Rizwan Naikodi: On June 24th, 2013
sir, I have applied Msc in maths for direct education to manuu hydrabad . . . .
I wanna know is Msc computer science or Msc information technology is availaible in your university for regular and what is difference between Msc(CS) and Msc(IT) . . . Please reply soon
13Md sahabuddin ansari: On May 16th, 2013
Sir 2012 M A distance admission has been taken or not
12Ramachandra: On February 14th, 2013
Does the university have a correspondance course for learning urdu? What is the procedure for applying for the course?
11sarfaraz: On May 21st, 2012
B A urdu part I 2011 result will be publised or not . Pls mail me
10gowsia: On April 12th, 2012
I want to know whether, it is compulsary to qualify via Entrance test foe M.Ed course, morevvercourse duration and dates for xams and admissions,
9shadab ahamad: On February 4th, 2012
men disst jaloun konch ka rehnewala hoon
MA urdu se karna chahta hoon meharbani karkr
nearest center ke bare me bataen
or contact no. bhi
8aslam begg: On December 20th, 2011
kya me manuu se m.phil kiye bina hi p. hd. kr sakta hu urdu me.
7aslam begg: On December 20th, 2011
kya me manuu se m.phil kiye bina p.hd.urdu me kr sakta hu.mehrbani kr k mujko malumat frahm kijye.
ap ki aen nwazish hogi.
6Jawahera Tabasum: On November 25th, 2011
Can we M. Ed. course by distance through in MANUU ?
5ABDUR RAHIM: On November 22nd, 2011
How to get bonafied cirtificate?
4SALIM SAIYED: On August 23rd, 2011
I have BA degree (URDU) of GUJARAT UNIVERSITY
kya mai aapki university se MA kar sakta hu
please send me properly details …..
3zeenath: On June 9th, 2011
i want to dob.ed in urdu,iam in abroad,how to get application form,where i should submit these forms,how will i get books/
2sandeep patil: On June 8th, 2011
plz send all deatils
1H.Muhamed Riyas: On June 8th, 2011
i want to study the certificate course-proficiency in urdu through english.what is the procedure to apply for this scheme.please respond favourably?


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Pet owners can often have a terrible time navigating the pet food aisle with a wide array of pet food products available in the market. Further, due to lack of regulatory objectives and definitions, reading pet food nutrition labels can be quite tricky as most of them can be easily misinterpreted. Selecting the right dog […]Continue reading
Contrary to popular belief, not all puppies function the same way. They have different growth patterns, different bodily structures, and even differing temperaments. Thus, their nutritional needs also differ from one another. Most people are unaware that puppies and adult dogs cannot be fed the same type of food. Puppies are still growing and are vulnerable […]Continue reading
When it comes to your pet, you want nothing but the absolute best. You've probably explored different diet plans and options for your dog or cat. One popular pet diet fad today is keeping your dog on a raw diet plan. It focuses on feeding your dog raw meats and bones as well as fruits and […]Continue reading
Dogs are a delight to have around the house. As you interact with yours, you will face a number of learning curves and understand that having the right vaccines done at birth, a collar and training doesn't cover what you need to know about these adorable puppies. One of the biggest scares that your pet can […]Continue reading
Run, fetch, roll, jump – If you have taught your dog these tricks, you know how smart and intelligent they are. Dogs are a blessing to humankind. Their unconditional love is all that we need in our life. They teach us love, compassion, and trust. And all they want is affection and a tasty treat.But, […]Continue reading
If you believe that your dog deserves only the best nutrition that it craves, then you should really start giving her the highest quality dry dog food. I really have to emphasize 'highest-quality' here since there are plenty of products that are of mediocre quality. By getting ONLY high quality dry dog food, you are ensuring […]Continue reading
We often hear that you should not change a dog's food too quickly as it could cause their stomach upset and temporary diarrhoea. But sometimes due to extenuating circumstances you can't change it as gradually as you may wish. People change dog food for many reasons. Often when you first bring your puppy home you will […]Continue reading
Dog food has changed radically over the last decade. In years gone by, we fed our dogs on scraps from the table and that seemed fine.These days, feeding our dogs has become a science of discovery.Initially, a few brands of kibble came onto the market and soon became a convenient and cost effective way to […]Continue reading
There are about 80 major commercial brands of dog food, and countless smaller brands. And each manufacturer makes wet and dry food, large and small dog food, senior food, puppy food, and an array of limited-ingredient foods. With so many choices available, what's the best way to choose the right food for your dog? Firstly, when […]Continue reading
As people, we sometimes choose a vegetarian diet to make our bodies healthier. By eating mostly vegetables, the risk of heart disease and obesity can sometimes be lowered. If a vegetarian diet is good for us humans, can dogs be vegetarians as well? The short answer is "yes", it is possible – but not always advisable! […]Continue reading
When it comes to dogs, pet owners know no moderation. Most dog lovers are strongly emotionally attached to their pets, and treat them like members of the family. This love and attachment includes wanting to give their dog the best quality of life possible, and take care of them into a healthy old age. And […]Continue reading
Your Guide To Dog Nutrition: The Best Dog Foods For Optimal Health The Best Dog Foods for Optimal HealthYour Guide To Dog Nutrition Along with the pleasure of having a dog as a companion animal, comes the responsibility of caring for your pet. Dog lovers want to provide the healthiest, happiest, longest possible lives for […]Continue reading
Some owners find it cute when a dog is chubby or fat. Dogs are like people. they are prone to developing conditions such as heart disease, Cushing's disease and some forms of cancer. One way to keep your dog healthy is by managing food portions properly. There are a number of factors to consider when it comes […]Continue reading


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Reviews summary
4 Traveller reviews from Holiday Watchdog
brilliant hotel
"Went here in June for our anniversary. What a brilliant hotel. Loved how alcoholic drinks were included in the price. Rooms and location were excellent. Very clean and breakfast was lovely. Very easy to get about from this hotel and would definately stay here again. Amsterdam is a lovely city with lots to see and do. Want to go again very soon "
Holiday details
- Travel date: 1st August 2011
The hotel was great. I was there 2 days ...
"The hotel was great. I was there 2 days and did not have any problems. Staff was gracious and helpful. My room was very comfortable and clean. The rooms are smaller then a typical American hotel room. But thatâs Europe. So be aware of that if it is your first time. Location is great, easy walking distance to a lot and the tram stops 20 yards down the street. Breakfast is included and is it the lower level and was good. I would not hesitate to stay there again."
Holiday details
- Travel date: 27th June 2007
If you are going to Amsterdam then the B...
"If you are going to Amsterdam then the Banks Mansion is an excellent place to stay. The staff are really lovely and the price includes the full use of the minibar in the room, which is refilled every day and the full self serve bar in the lounge where there is wine, beer, soft drinks, tea and coffee along with light snacks. It is quite centrally located and practically next door to the flower market. The air conditioning was very welcome in the recent roasting hot weather. Breakfast takes the form of a buffet although there are staff will cook eggs, porridge, pancakes etc for you. Amsterdam itself was wonderful but hot, plenty to see and do. The diamond factories are worth a visit if you feel that you can resist temptation. The major downside was the number of mosquitoes that seem to be around at this time of year. All in all I would go again, and stay at the same hotel, but at a cooler time of year."
Holiday details
- Travel date: 30th June 2005
Fantastic! We went to Amsterdam for my ...
"Fantastic! We went to Amsterdam for my partnerâs birthday and werenât particularly keen on going to Amsterdam, but had a wonderful time. The hotel is exceptional and all drinks are included. The hotel is spotless and youâre made to feel very welcome. We stayed in a double room, which had wonderful views over the canal, and it was just lovely. Itâs in a very central location close to restaurants, pubs and the flower market. Was quite expensive to stay at Banks Mansion but worth every penny!"
Holiday details
- Travel date: 1st December 2004
Hotels near Banks Mansion
- Waldorf Astoria ... Distance: 273 meters
- Ambassade Hotel Distance: 598 meters
- The Hoxton, Amst... Distance: 820 meters
Top traveller tips for Banks Mansion
"Anne frank museum a must see very interesting"
Banks Mansion is also called
- Banks Mansion Hotel
- banks mansion hotel amsterdam
- banks mansion amsterdam


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The battle for the best smart contract crypto currency begins, with Ethereum vs EOS. EOS has been called an Ethereum killer, with ability to handle massive numbers of transactions, process payments differently and have tools to help developers create decentralized apps (dapps).
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For more information about EOS see the below video or check out Dan Larrimer's EOS Consensys May 2017 presentation.
Original article and art:https://cointelegraph.com/news/ethere…
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Tales of the Olive (609) 270-7271
[cta id="2006″] Come view our great selection of flavors of the freshest extra virgin olive oils
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Candy's Wedding & Party Design – (856) 217-5881
We set up and take down! Visit us online!
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Girly Girl Diva Boutique – (856) 906-5075
Clothes and accessories for your girly girl diva! Visit us on Facebook! Follow us on Instagram! Order online at our Etsy shop!
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Sign up for our Newsletter
We will be having special events and sales from time to time, you can sign up here to be notified of them!
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Patti's Irish Treasures
All things Irish! From Claddagh rings to Inis Cologne (Energy of the Sea) to Shamrocks and more! Stop in and see our Friday Specials!
Re-Turn the Page (856) 236-2230
Gently used books for sale. Visit Re-Turn the Page online Yelp Reviews of Re-Turn the Pages
Memory Lane Furniture (856) 875-4000
Beautiful Amish crafted wood furniture! Come and see our huge selection of tables, chairs, cupboards, quilt racks, rocking chairs, dressers, shelves and many other different styles of furniture!
Village Barber Shop (856) 875-0655
Haircuts and shaves, the old fashioned way.
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Village Pet Shop (856) 262-9090
Puppies for sale! Come and see who we have this week! We also carry accessories, food, crates and more! Visit us online!
Loose Change Coins & Collectibles (609) 805-5380
Visit my website at loosechangecoins.com for news and specials!
Precious Cargo (856) 875-3199
Featuring lace curtains and table dressing, prim decor items, yard flags and much more!
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Beaches Wicker (856) 728-8668
Wicker furniture, beach motif decorator items, essential oils, candles, natural soap and more! Visit our website for more information! Like us on Facebook!
Beautiful Expressions (856) 875-4566
Fine Country Decor
SPG Solar Store (856) 318-1272
We offer you green living choices for design, sales and installation of solar energy for your home or business. Financing is available! We also sell conservation supplies, such as composting bins, generators and other green living products. Like us on … Read More
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Video Game Shop
Come see our ever-changing stock of video games, movies and collectible toys.
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What's happening this first week of May 2018!
Come visit The Village Shoppes Merchants for your unique gift needs, then head to the food area for the 25th Annual Spring Pork Roast Under The Tent at the Williamstown Farmers Market! May 3,4,5 Hours: Thursday 9-5 Friday 9-8 Saturday … Read More
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Looking for Got wick? Handmade Gift Shoppe? Here it is online!


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One of the most frequently asked questions we receive as counsel to companies and company owners is whether the information as to who owns the shares in the company is 'private' information or not. What our clients are trying to determine is who has the right to know who owns the shares of a particular company. A recently introduced bill could make it easier for government officials and directors of a company to determine who owns the shares of privately owned companies in British Columbia. Note that we are only talking about companies that are not 'reporting issuers' or listed on a designated stock exchange.
Current situation
Currently, the Business Corporations Act requires that a company keep a central registry known as a "central securities register" (a "CSR") at its records office. The CSR must include the name and last known address of the shareholders, the class of shares and the number of shares held by each of the shareholders.
Current directors and current shareholders may, without charge, inspect the records of the company, including its CSR. Subject to certain limitations, former directors and former shareholders of a company may also inspect a company's CSR. A former director may inspect the CSR to the extent that it relates to the period when that individual was a director of the company, and a former shareholder may inspect the CSR to the extent that it relates to the period when that individual was a shareholder if and to the extent permitted by the articles.
What most people do not realize is that any person may inspect a company's CSR at the records office upon payment of any applicable inspection fees to the records office. Further, any person may apply to a company for a list setting out the names and addresses of the shareholders and the number of shares held by those shareholders. Such an application must be in writing, accompanied by an affidavit setting out certain prescribed items, and include payment of applicable fees.
Bill 24
On April 2, 2019, the Honourable Carole James, Minister of Finance and Deputy Premier, introduced Bill 24 entitled the Business Corporations Amendment Act, 2019 (the "Bill"). The intention of this bill is to address certain concerns over tax evasion and money laundering by requiring private companies to maintain accurate and up-to-date information about the true owners of the shares of those companies. This bill would amend the current Business Corporations Act by requiring every private company to maintain a registry known as a 'transparency registry' of all shareholders who own more than 25% of the shares of the company, and/or those shares that carry 25% or more of the rights to vote at a general meeting, whether they hold their interest as a registered owner or a beneficial owner. If the shareholder is a company or trust or other non-individual entity, then the registry will also disclose the 'significant individual' who controls, directly or indirectly, such entity. A 'significant individual' is defined as an individual who has the right or ability, directly or indirectly, to elect, appoint or remove one or more of such company's directors or the ability to exercise the direct and significant influence over an individual who has the right or ability.
The 'transparency registry' is intended to 'drill down' to the individuals who influence or control companies, so as to best deter and stop tax evasion and fraud. This is in line with the current trend in British Columbia to look beyond the registered ownership to see who actually owns something. An example is the proposed Land Owner Transparency Act, which is calling for the registration of beneficial ownership of land in B.C., as a means of addressing tax evasion, fraud and money laundering.
This 'transparency registry' will include the following information:
- The shareholders' full name, date of birth, and last known address;
- Whether or not the shareholder is a Canadian citizen or permanent resident of Canada, and if not, every country or state of which such shareholder is a citizen;
- Whether or not the shareholder is resident in Canada for the purpose of Canadian income taxes;
- The date on which the shareholder became a shareholder or ceased to be a shareholder of the Company; and
- A description of how the 'significant individual' is deemed to be a 'significant individual'.
Once a shareholder ceases to be a shareholder, or ceases to hold sufficient shares to require them to be registered in the 'transparency registry', the company must delete such shareholders' information from the 'transparency registry' and destroy any record the company created or received in respect of the individual for the purpose of maintaining the registry.
Who may see the 'transparency registry'?
- Directors of the company in question; and
- Certain inspecting government officials.
Annual Review
A company may request at any time, the requisite information from a shareholder for the purpose of completing the 'transparency registry', and a shareholder must, according to the revised legislation, promptly provide such information. The new legislation also requires a company to confirm annually the information in the 'transparency registry' within a prescribed amount of time, and to update the information within 30 days of becoming aware of the information.
Other Provisions
While not as common today, before 1973, 'bearer share certificates' were used to evidence someone's right to own shares in a company by sake of holding the share certificate (i.e., instead of specifying the name of the shareholder on the certificate itself). This allowed the shares of a company to be transferred from person to person without the registered ownership of the share in the company's records being changed. After 1973, legislation in B.C. changed to prohibit these kinds of share certificates from being issued; however, that has not meant that all such share certificates have since been collected and revised to reflect the actual holder of the certificate. The new parts of the legislation arising from this Bill would impose a requirement to replace any 'bearer share certificates' and would prohibit a company from giving effect to any special rights attached to such certificates until they were replaced.
What happens if the information is incorrect?
If a company fails to identify all of the required shareholders, or provides false or misleading information about a shareholder, and should have known with the 'exercise of reasonable diligence' that the information was false or misleading, the company, and any involved director or officer, could be fined. For an individual, the fines can be up to $50,000, and for a non-individual, the fines can be up to $100,000.
When will the 'transparency registry' come into effect?
The above-mentioned bill has received its first reading, but must pass through three readings and an in-depth study by the Committee of the Whole House before it actually receives 'Royal Assent', becomes law and results in the amendments it proposes. There is no set time frame for how long this could take; however, if the MLAs are motivated to see this come to fruition, it can occur in a matter of weeks. As such, if you have any concerns or questions as to the content of these revisions, you should consider contacting your local Member of the Legislative Assembly at their constituency office to raise your voice with respect to the same. You can find your local MLA by following this link: https://www.leg.bc.ca/learn-about-us/members.
Bill 24 and the proposed amendments to the British Columbia Business Corporations Act can be found here.
For questions about your current company needs, company obligations or general corporate counsel, contact:
Erin J. Easingwood
Partner, Business and Real Estate Law
Lindsay Kenney – Vancouver office
Kiran Sidhu
Associate, Business and Real Estate Law
Lindsay Kenney – Vancouver office
This article is intended to be an overview of the law and is for informational purposes only. Readers are cautioned that this article does not constitute legal or professional advice and should not be relied on as such. Rather, readers should obtain specific legal advice in relation to the issues they are facing.


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Common Cruise Ship Amenities Are you interested in taking a cruise? If so, you are not alone. Each year a large number of individuals consider vacationing aboard a cruise ship. If you have never been on a cruise ship before, you may be wondering what activities, facilities, and services can be found onboard. The […]Read More
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Assembling the Top Craft Wall hangers are easy to create. The minute size quilts once created will make a nice gift and/or decoration for your home. Once you have your parts together, as well as have your tools you can get started making a wall hanger. If you are new to quilting, do […]Read More
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The Risks Of Getting Tattoos Although most tattoos are applied with no problems at all, there are some tattoos that result in a not so good outcome. No matter how safe you may think they are, you simply can't overlook the risks involved with getting a tattoo. Tattoo artists may tell you that there are […]Read More
How to Choose Bathroom Accessories and Bathtubs thank for read is my good content pls come to my website for support www.fifa55god.com When picking out the right bathtub you should know… Most homes have more than one bathroom so you may want to make one room a special bathroom with a bathtub that fits your […]Read More
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How can I use baskets in my bathroom? I like baskets in my bathroom; since baskets will adjoin shades to anything you have in the room. Baskets also allow you to coordinate with other bathroom accessories, such as shower curtains, throw rugs, sink skirts, etc. On the market, you can find many baskets to choose […]Read More


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Your all-in-one free business support hub
CUE's main event are the £100, £2k and £10k competitions. From 'just an idea' to 'we're ready to scale', our competitions and accompanying mentorship aim to guide you towards creating a commercially viable company – regardless of whether you win.
The competitions are open to individuals and teams from three categories:
Entering the 2k and 10 k competitions is not dependent on any of the previous competitions.
"Choose a category, complete a business canvas and present to the judges"
The business canvas will force you to answer key questions like: 'Where is your revenue from?', 'Who is on your team and why?' and 'What metrics will you use?'.
In the slide deck you will need to:
A demo or evidence of exiting traction will give you a big advantage.
Deadline: 3rd February 2019, 11:59pm
Presentation to judges: 26th – 28th Feb 2019
Winners announced: 1st March 2019
No. prizes: 3
"Do everything from the £2k, create a demo poster and start a company!"
Depending on the category, the demo poster should be a concise summary of either:
At the CUE Grand Finale, three winners will present their businesses to potential investors and every entrant will have the opportunity to showcase at the event's poster session.
Deadline: 7th April 2019, 11:59pm
Presentation to judges: 1st – 3rd May 2019
Winners Announced: 8th May 2019
No. prizes: 3
To find out more about this competition please visit the CUE website using the link provided on the right hand side.


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Supplied Content
Auckland, July 11, 2018
A real estate agent has pleaded guilty to fraudulently obtaining commissions from the Selwyn District Council on charges brought by the Serious Fraud Office (SFO).
Shirley Johnston obtained 13 commission payments from the Selwyn District Council between March 2007 and July 2015 for work that she did not do.
Nearly $150,000 of these payments were transferred into a bank account controlled by her and Stephen Gubb, her husband and business partner.
Not the real agent
Ms Johnston received the commissions on 13 land sales as a Phoenix Harcourts agent in Christchurch. However, Ms Johnston was not the real estate agent for these property sales at Izone – a Selwyn District Council business park development located in Rolleston.
Mr Gubb, who was a property consultant at the business park, instructed Buddle Findlay to pay $300,829 in commissions to Phoenix Harcourts which then paid Ms Johnston $149,094 for her purported work.
Previous convictions
Ms Johnston has been remanded on bail until sentencing on September 20, 2018 at the Christchurch District Court.
Mr Gubb is currently serving a jail sentence of two years and nine months for his part in the fraudulent scheme as well as a separate offence of submitting a false invoice to the Selwyn District Council.
He has previously been prosecuted by the SFO on fraud charges involving about $1.18 million. He was convicted and sentenced to four years imprisonment on these charges in December 2003.
-Serious Fraud Office Release


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Attracting Europe's life sciences talent
White Papers | December, 2015
Europe is increasingly attracting smaller and mid-sized US life science businesses looking to establish their first bridgeheads into a new market; while big US pharma's footprint is well-established on this side of the Atlantic, smaller players now want to follow that lead. With Europe's own life sciences industry in increasingly rude health, the competition for talent that the incomers will face will make getting their recruitment strategy right one of their biggest challenges.
In the UK, venture capital funding for the sector hit a 10-year high in 2014, while Europe as a whole saw a record-breaking 22 life sciences IPOs last year, up 39% from 2013. The opportunities being created in domestic European companies mean that US newcomers may have to work harder to lure the top staff.
New ventures in European markets require senior managers with a very particular set of skills and experiences, and businesses recruiting for the first time are sometimes surprised by the difficulty of finding and attracting the right candidates – particularly if they haven't prepared for the search process in sufficient detail.
Jeffrey Webb, a Partner in DHR International's Global Life Sciences practice, says international companies recruiting in Europe's life sciences industry don't always find it as easy as they hope to secure the right candidates.
"In recent months, we've worked with a number of US clients attempting to set up operations in the UK for the first time," Mr Webb says. "They have interesting products and their businesses are expanding; salaries are good and the roles they offer are broad-based with plenty of autonomy and potential for growth – yet there is sometimes a reluctance from candidates here to engage with these companies."
Why should that be so? Sue Rossiter, the Managing Partner and European practice lead for DHR International's Global Life Sciences Practice, says companies that struggle to recruit typically share one thing in common: their business strategy for market entry in Europe is very well planned in granular detail, but their recruitment strategy is far less advanced. These are exciting companies offering good roles that could attract Europe's brightest talent, she says, but preparation for the search process must be very thorough.
"People are the biggest investment that these companies are making in their new ventures, so they can't afford to get it wrong," Ms Rossiter says. "That means understanding the culture and dynamics of the local labour market: if you address potential candidates in the language they understand, you'll find they respond much more positively."
What does that mean in practice? Ms Rossiter and her colleagues suggest the following key steps for international life sciences businesses – from the US or elsewhere - planning a move into the European marketplace.
Prepare early
It is never too early to begin thinking about talent when planning ventures in new markets. After all, quality of management is likely to be one of the most crucial determinants in the success of such ventures, so leaving recruitment too late exposes the business to unnecessary risk. "Think of the recruitment process for a new venture as a strategic consideration rather than an operational issue," advises Sue Rossiter. "You are then more likely to prioritise the search at an earlier stage."
In fact, the question of talent will often be part of the decision-making process when life sciences businesses are considering where specifically to locate themselves in a new region. There may be particular countries that offer a deeper pool of the right kind of candidates – and it may be necessary to look in different countries for different specialisms. For example, on many measures the UK leads Europe when it comes to pure research in health and medical sciences – with British academics publishing 9% of articles in health and medical science journals, more than any other European country. However, France and Germany both have more individuals employed in the manufacture of medical technology products; Germany nearly four times as many as the UK.
There may also be Government incentives available for companies investing in new ventures in certain markets which would favour one location over another. These incentives may be offered through the tax system, such as the UK's 'patent box', which offers tax relief on profits earned from patented inventions and some other innovations. Many Governments also offer targeted support aimed at developing 'clusters' of innovation: Europe is home to several centres which combine academic research with support and infrastructure for scientific businesses, including the Karolinska Institutet Science Park in Stockholm and the Paris-Saclay 'super-campus'.
There's a practical consideration for US firms to build into their timescales too. Executives in European businesses are routinely tied into their contracts for much longer than their American counterparts, either with lengthy notice periods or non-compete clauses in their contracts. Leave recruitment too late and it may not be possible to get the preferred candidate into the role on schedule.
Get to grips with geographic variation
"Europe is not a homogenous marketplace," says Andreas Venzke, Partner at DHR International Neumann in the firm's Hamburg office. "If you're a small or mid-sized US life sciences company with no experience of the European market, it can take some time to understand how and why the UK and Germany, say, are very different."
Part of the challenge is to understand what impact local labour laws will have on a business operating in each market – every legal consideration from rules on minimum holiday and parental leave entitlement to remuneration structure.
Then there's the question of cultural differences – how people in different marketplaces feel about work, as well as the way local organisations tend to operate. For example, Peter Billing, Partner for the Nordics at DHR International, says: "Sweden tends to have much less hierarchical structures in its businesses where a lack of conformity is less likely to be challenged; our region is also well-known for its life sciences start-ups, so new ventures are welcomed."
In a handful of European countries, typical workplace structures and practices - such as the French workplace council - can be difficult for an otherwise well-qualified outsider to get to grips with. In those cases it may be advisable to prioritise local candidates.
These factors will influence businesses as they consider where to locate their new operation, but should also be taken into account when roles are being designed and candidates are being considered.
Build a candidate profile
New ventures, almost by definition, are more risky propositions, even when they have the weight of an established and stable parent company in the home market standing behind them. This can be a particular concern in the life sciences sector, where start-ups and small businesses come and go at what can seem like an alarming rate.
It may be a cliché to argue that Europeans are less inclined towards risk-taking and entrepreneurship than Americans, but some markets are more conservative than others. Moreover, as Sue Rossiter points out, "If you're new to a market and you're trying to build your brand and presence there for the first time, you may need a different type of candidate – someone with entrepreneurial qualities, for example, rather than experience in leading very large teams of people."
It is possible to systematically identify such candidates, using assessment techniques, role profiling and interviewing, or to work more formally, but businesses that do not recruit on this basis may end up appointing the wrong leaders – or failing to attract candidates in the first place, because they're targeting risk-averse individuals who aren't ever likely to consider the role.
The same issue applies to structure, says Jeffrey Webb. "If you're running a new European venture with only a handful of staff on behalf of a US parent company that isn't even contactable for a large chunk of your working day, you need to be able to operate with a high degree of autonomy," he says. "That requires a certain type of candidate and to find those individuals you need to look in the right places."
However, cultural differences may mean that interviews should adjust their expectations about how the right candidate will present themselves at interview. Comments Jeffrey Webb: "US interviewers coming to Europe sometimes have high expectations of a candidate on paper but feel that they can come over as a little under-powered in person. Interviewers need to know how to distinguish between old-fashioned British reserve, for example, and genuine hesitation or lack of confidence."
Consider role design
In order to identify and attract the right candidates for the business in a specific market, life sciences companies will need help designing leadership roles so that the chances of an enthusiastic response are maximised.
"One mistake US firms and others often make when recruiting in Europe is that they'll take advice on typical salaries from a local source, but then fail to consider how these average rates of pay relate to the candidates they're trying to attract," says Andreas Venzke. "They're then surprised to discover that they may have to pay the best candidates significantly more, which can sit uncomfortably with them."
US employers can also underestimate how a European candidate will assess the personal upheaval that may come with a new job. Even if the new role is in a different location in the same country, distances that would be commutable in the US will often require relocation in Europe, bringing additional costs. A candidate moving their family from one European country and education system to another may want support with private school fees so that they can access an international school.
Businesses will also need to address the issue of status. "We've found that some life sciences executives measure career progression by the number of people they're managing," warns Jeffrey Webb. "It's not always obvious to a new venture that while they're offering a senior position – the management of a new operation – their favoured candidates are going to be put off by the idea of operating alone or with only a very small number of direct reports." Such candidates may not be the right targets.
In any case, it would be a mistake to pitch the venture to candidates on the basis of remuneration alone. For example, in Denmark and Sweden, Peter Billing says candidates from across Europe are attracted to the high quality of life that the two countries are acknowledged as offering. "People actively want to work here for that reason," he says. "That may not be obvious to incomers straight away, but it can be vital part of the recruitment process."
Take expert advice
Businesses that attempt to move into a new market without taking specialist advice on recruitment and search from an adviser with local expertise and experience are taking an enormous gamble. The legal and cultural variations between different countries' labour markets are so extensive and wide-ranging that a mis-step is almost inevitable for a business recruiting without local support.
Specialist executive search consultants should be able to provide both strategic and operational assistance, advising a business on where best to base itself in a new market or region and how to do so, as well as developing role profiles and remuneration packages to attract the right type of candidates - not to mention identifying the best people and working with them to encourage their interest.
Given this strategic role, it makes sense to bring in search consultants early in the expansion process, rather than waiting until the key decisions have been made to hire. Advisers will be able to help the business avoid potentially expensive and time-consuming mistakes.
In conclusion
The good news for the US life sciences sector as it ponders its move into Europe is that markets across the region offer excellent candidates with the right mix of commercial and scientific skills and experience. But to identify and secure the services of those candidates will require careful planning and good advice from local search consultants.
The right approach may depend on the life sciences sector. "We've found quality assurance people tend to be more risk-averse than those in manufacturing, for example," says Jeffrey Webb. But it will also depend on the market and the exact nature of the role.
The most important advice of all? "It's crucial to start planning for recruitment and to begin taking specialist advice as soon as you develop the strategic rationale for a move into a new market," concludes Sue Rossiter. "Make a mistake in the recruitment process – by failing to attract the right candidates or by hiring the wrong people – and you will jeopardise the whole venture."


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