Author Archive

Jun
11

Online Reputation Management Interview With David Cannell

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Online Reputation Management Interview With David Cannell

Jun
08

imfi jonathan nolan

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IMFI is a full service environmental project design and implementation company that offers complete carbon accounting, carbon auditing and emissions trading solutions.
Entering environmentally conscious business management may seem intimidating but it is actually a straightforward and ethical process that can not only protect your business from adverse conditions and taxation regimes, but potentially become a new income stream.

After a decade in the industry and three years of intense trade and design experience on extremely large projects, IMFI is ready to help business of any size.

You may need:

Advice and protection from the Australian carbon tax;
A plan to benefit from environmental projects your business can host;
Emissions trading;
Reducing your carbon footprint
Or any other carbon economy or environmental design issue.
Visit our Services page and learn how you can make money in the green economy…
imfi jonathan nolan

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Apr
24

Web Design Ideas

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We didn’t pay to set up AgChatOZ: CropLife Australia
By Will Ockenden
Monday, 25/04/2011
Plant industry lobby group CropLife Australia denies it’s a founder of weekly Twitter chat forum AgChatOZ.
“In the early stages of CropLife’s engagement in social media, we became aware that there was a genuine need to better connect with the Australian rural community,” the organisation’s annual review reads.
“Acknowledging this and spurred on by an agricultural prodigy called AgChat in the United States, CropLife, together with BlandsLaw and NETDe Web Design established AgChatOZ.”,
Chief executive Matthew Cossey told the ABC CropLife’s participation in the forum is transparent.
“CropLife absolutely looked to encourage it starting up. These things often, without people being prepared to give up time and people preparing particularly now to formally host a discussion to our period every week, if people aren’t prepared to do that they can fall short,” he says.
“With a little bit of support, these things can grow extraordinarily well. That’s why CropLife, through one of our employees, encouraged his participation in it so that it became viable.”
Interview Transcript
MATTHEW COSSEY: CropLife has recognised for a couple of years now the importance of embracing new media technologies. Social media is increasingly becoming a medium by which community can formulate discussions and have open discussions about a range of issues. It’s a great advantage particularly in the rural and agricultural sector because the normal tyrannies of distance that can prevent active participation to rural and farming communities are overcome through internet social media force. We’ve certainly looked to actively involve ourselves in social media and facilitate debate on a whole range of issues.
WILL OCKENDEN: What would you say CropLife Australia gets out of the weekly Twitter chat AgChatOZ?
MATTHEW COSSEY: Sometimes we formally participate in AgChatOZ, particularly if there’s issues relating to the plant science industry, which we’re the peak industry group for. Sometimes we don’t formally participate. We also have given a good commitment to facilitate the AgChatOZ discussion because one of our employees is one of the founders of the AgChatOZ site to make sure it remains a successful and viable forum.
WILL OCKENDEN: It seems the founders and who started the chat is open to debate, at least according to your annual review. It implies that CropLife Australia was one that set up AgChatOZ. Why did you set it up?
MATTHEW COSSEY: It was set up amongst three groups who were made up of and represented by individuals. We contributed by allowing one of our employees who is an enthusiastic social media participant and we saw it as a good way to assist a great debate happening on the internet about a range of agricultural issues. The foundation of these things is about people being active on them. It’s not about ownership of them, the great freedom that the internet provides in these forums of free and open debate.
WILL OCKENDEN: But that’s not really what your annual review says …
MATTHEW COSSEY: It goes back to the CropLife recognising the value of embracing new media technologies and facilitating real debate. We think it’s a great way for us to stay in touch with the views of farming communities. Farmers, and the issues out there that are relevant to our industry. That’s not necessarily on a weekly basis, but there are a range of issues that we’re always fascinated to hear directly from farmers on. I think you see from the debates that go on AgChatOZ, whether it’s between farmers, journalists, and other interested groups, that it’s a great forum to see and hear new ideas and to discuss and debate a range of issues.
WILL OCKENDEN: But do you admit that you were at least part of the founding group?
MATTHEW COSSEY: CropLife absolutely looked to encourage it starting up. These things often, without people being prepared to give up time and people preparing particularly now to formally host a discussion to our period every week, if people aren’t prepared to do that they can fall short. With a little bit of support, these things can grow extraordinarily well. That’s why CropLife, through one of our employees, encouraged his participation in it so that it became viable even within bookkeeping.
WILL OCKENDEN: Is he paid for his time when he’s working on the weekly chat?
MATTHEW COSSEY: No. He now does that in his private capacity. When and if CropLife participates, which we do through our own account and formally involve ourselves we have sometimes depending on the issues, the relevant staff member or policy person participate in the debate as the CropLife representative. They are, but no we don’t remunerate Tom, who is recognised as one of the three individuals who founded it for his time on a weekly basis. We don’t see that. We see a participation in it as an important thing. What we did do is allowed him, when they were trying to start it up, to spend some work time to get it going and up and viable as a great forum for debate for founding communities.
We think that’s an important thing that people can do. We’re an industry directly connected to agriculture and farming. A little bit of assistance to get a forum up and running is a great thing.
WILL OCKENDEN: Did CropLife pay the founders to start this up? You’ve got a web design brisbane expert, a lawyer and one of your own staff members …
MATTHEW COSSEY: No. The only contribution we had and there has been no direct funding we’ve provided. What we did was an organisation was recognise that while it may not be core to one of our employee’s duties, we allowed him to spend some time doing all the things you do to try and get these things up and going. We don’t have any financial relationship with the other founders. Our recognition as a contributor to the foundation of the AgChatOZ hash, I mean it’s only a hash as a discussion forum, is that we recognise that it was a good contribution we could make to facilitating debate on issues of agriculture and farming.
WILL OCKENDEN: On the debate point, what do you make of claims of astroturfing by the plant science industry on Twitter to influence media and farmers for your own agenda?
MATTHEW COSSEY: I think it’s entirely and completely without foundation. Every time a member of staff of CropLife has participated in debate, it’s been declared openly who they are and who they work for. Certainly astroturfing isn’t a matter we engage with. We engage vigorously in the debates that are relevant to our industry. We do it openly. I think those who seek to make those allegations are more trying to cover the fact that they’re coming for criticism for positions they run and they get criticised by farmers.
Instead of recognising the criticism they’re coming in for is because the argument they’re running is without fact in science, they want to then find some other reason that they’re getting criticism. I don’t think that’s the case, it’s the case that they’re trying to run a line that doesn’t sit well with farmers.
WILL OCKENDEN: From about the 25th November to the 19th April there were about 18463 tweets to the AgChatOZ hashtag, you can look at the top 25 tweeters and nearly half are the people who started it, journalists, people connected to public relation companies, CropLife Australia, one of your members or people connected to the bio-technology industry. Why is there such an enormous amount of people in that top 25 that are connected to the periphery of the debate, rather than farmers themselves?
MATTHEW COSSEY: Well I can’t speak to all the other people you referred to. I’m yet to formally participate in one myself. I would think that’s just testament to the naturally considering what AgChatOZ is, is a debate forum. We should be clear, anyone can use the hash AgChatOZ at anytime to connect to the general discussion about agriculture in Australia. There is a formal period where they collectively have a discussion on a range of questions and topics for two hours every Tuesday night.
Even the topics are decided essentially by whoever wants to submit them. I would think that the reason that there’s a concentration of people within the interested area that are participating is, by definition, because it is a debate on areas they’re interested in, they work in, that they have passion on. That doesn’t surprise me that journalists who are specifically interested in agriculture participate in the forum.
WILL OCKENDEN: Do you see why some people have, or could have, a problem with the way its talked about or the impression that it is run by the plant industry – like CropLife – and it is influenced improperly?
MATTHEW COSSEY: No because I think anyone who is criticising that fails to understand how social online media works. It’s the ultimate free democratic debate. Simply because its core interest of their industry and we participate in it I think is unfair because I think a worse position would be our industry, and those involved in it, not participate in it. This was set up because we saw a need for a discussion around issues on agriculture and policy and farming. Issues that we are passionate about at CropLife as are all our members, both from my commercial perspective and from a broader public policy position.
WILL OCKENDEN: You just said then it was set up, are you saying you – as CropLife – did set up AgChatOZ? from brisbane web designers
MATTHEW COSSEY: No. There’s three people who set it up. One of them, who happened to be an employee, came to the organisation and said “This is what’s going on in the U.S. We’re seeing this trend around the rest of the world. This is a great thing and we should participate.” As an organisation, we saw the value of providing support to its establishment last year and accordingly did that.
This is the great thing about online forum, freedom of debate. There’s no owning these things. It’s the new form of democratic activism if you like. It’s open to all and I think a great forum and should be supported.
I think those who have put a position in coming for criticism for the position they’ve put in these forums shouldn’t seek to undermine the value of the forum itself or that of the participation of a whole range of other people. They should see that as a valuable debating forum and use it accordingly.
We will be following all kinds of local business developments and design trends like laser cutting.
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Apr
19

Manufacturing and laser cutting

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You have the choice of supplying the metal, or we can provide any type of metal you need including various grades of mild steel, stainless steel, and aluminum. Different methods can be used: one is

MILD STEEL
Mild steel is the most common form of steel as its price is relatively low while it provides material properties that are acceptable for many applications. Mild steel has a low carbon content (up to 0.3%) and is therefore neither extremely brittle nor ductile. Density of this metal is 0.284 lb/in³ and the tensile strength is a maximum of 72500 psi.

STAINLESS STEEL
Stainless steel is an austenitic chromium-nickel steel that is used for a wide range of industrial applications. Typical examples for grade 304 are: tanks, hoppers, rail wagons, structural members, food processing and medical equipment. It is commonly used in industries such as transport, chemical, fertilizer, packaging, pharmaceutical, food and beverage. Grade 304 has a density of 7.9 g/cm3 and hardness of 201 Brinell.

Grade 316 is used for a wide range of industrial applications where grade 304 has insufficient corrosion resistance. Typical examples are: heat exchangers, condensers, pipelines, cooling and heating coils in the chemical, petrochemical, pulp and paper and food industries. The density is 8.0 g/cm3 and hardness is 217 Brinell.

The weldability of both grade 304 and grade 316 is good, with TIG and MIG methods as first choice. Preheating and post-weld heat treatments are not normally necessary. Since the material has low thermal conductivity and high thermal expansion, welding must be carried out with a low heat input and with welding plans well thought out in advance so that the deformation of the welded joint can be kept under control.

ALUMINIUM
Aluminium is remarkable for its light weight and has excellent corrosion resistance and durability because of the protective oxide layer. Some of the many uses for aluminium are in transportation, construction and machinery. Anodised aluminium is more stable to further oxidation, and is often used in various fields of construction.

Latest Design Trends in Manufacturing
GALVANISED
Galvanised steel has gone through a medical process to keep it from corroding. The steel gets coated in layers of zinc because rust won’t attack this protective metal. For countless applications, galvanised steel is an essential and cost-effective component.

RHS, PIPE, FLAT BARS & OTHER LENGTHS
Many types of lengths are stocked and available. Examples include pipes, angles, round bars, flat bars and rectangular hollow sections.
Find out more about these materials and techniques of cutting at

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Apr
09

geoff hirning

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geoff hirning

Some good reading material

An Introduction to PPI – What Is It All About?
by Andrews Millsa
The economic world is like a sandy beach, constantly shifting and changing as the financial tides ebb and wane. Professionals need to understand a wide variety of different factors in order to be effective at their job. Producer prices are the average price given to domestic producers for their product. The producer price index, or PPI for short, is the official measure of these prices in America.
What Does an Independent Financial Advisor Do?
by Richard Bishop

Geoff Hirning recommends:

An independent financial advisor or (IFA) helps people or some cases companies use their monetary resources to best effect. You should have specific financial goals you want to reach in terms of your personal savings and retirement.
Domestic Asset Protection Trusts
by Jeffrey Matsen
As a general rule, self settled trusts are not protected from creditors. However, recently the States of Alaska, Delaware, Nevada, Rhode Island, Colorado, Missouri, Utah and South Dakota have provided various degrees of asset protection legislation in a self settled trust.
The Secret to Wealth Is Understanding Savings Interest Rates
by Lee Coates
Can you measure your money? Many books and article are written on how to budget or get best interest rates on savings. You’ll see long descriptions showing all the different choices and the best savings account. Yet there is a very basic principle you need to understand that is not covered in all the information available. That gem that you must understand is how to measure what money must do in order for you to achieve your dreams.
Bank Repossession – How You Can Avoid It
by James Copper
In the UK, one of the blessed aspects of our legal system is that we are afforded a number of legal protections and rights in the event of situations such as being given a bank repossession order. What it means is that even if you do not keep up with your mortgage repayment schedule, you will not automatically lose your home or property. In order for a bank repossession of your home or property which has been used as security in order for a mortgage to take place, the mortgage provider will be required to satisfy a legally defined procedure…
Better Route To Associate With Financial Spread Betting Companies
by Baronsa Lagina
Financial spread betting is definitely an easy and fascinating financial system. It’s policies and also the system is very easy to be familiar with which make it an attractive investment instrument for some speculators.
Prosperity Bank Introduction

Geoff Hirning recommends:
by Tommy Ariadi
The Prosperity Bank is a very famous bank in the United States or even in the world. This bank offers many different kinds of services including the Internet Banking services where you can find it in the official website, master money debit cards, retail brokerage service, 24 hours non-stop voice response banking, and other awesome and trustworthy services. There are over thousands or even millions of people have trusted their money to be stored or saved in this bank and they are now have earned lots of money from the awesome benefits given by the bank.

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Mar
25

Jonathan Cattana

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Jonathan Cattana Author Your kids’ money
Key points
Education is a big expense
Budget, save and plan for your children
Teach children to manage money
Also in this section
Does investing in vintage cars pay?
Yes, you can afford to buy a property — here’s how
Bringing up baby: financial checklist for new parents
Formals and schoolies: Teens should share the cost
How much will divorce cost you?
The fairytale wedding, without the price tag by Jonathan Cattana
Current user rating by 0 users: By Susan Hely, Money Magazine, April 2007
Don’t kid yourself — children cost a lot, and to meet some of the big expenses such as total education costs, you need to save often and aggressively to outpace inflation.
So how much will it cost to bring up a child?
The average family will spend about $295,000 to raise one child and $500,000 to raise two children up to the age of 20. The figure takes into account most of the costs involved in parenting including housing, transport, recreation, food, clothing and education.
Older kids cost more
You might think that you spend more on babies and young children because of all the new equipment: cot, pram, car seat, high chair, stroller and toys. But the costs accelerate rapidly with the age of the child.
For example, food costs are low when a child is aged zero to four, but jump five times when they are ravenous teenagers. Teenagers also spend more on transport, recreation and clothing, too. Expect to pay twice as much for older teenagers, in the 15 to 17-year age group, than for very young children, irrespective of the income of the family.
Don’t forget that kids are leaving the family home and entering the workforce later than before. Almost half of all 20 to 24-year-olds live at home with their parents and even among those aged 25 to 43, 12 percent live at home, according to official figures.
It makes good sense to budget, save and plan for your children’s major costs. Invest as much as you can each month and then add lump sums when you get a windfall, a bonus, a tax refund or a gift.
Funding your child’s future
The best strategy for your children and their future could be sorting out your own financial affairs, such as paying off the mortgage, building up your superannuation, sticking to a budget and building up your assets, says Scott Alman, financial planner and founder of the Queensland-based Alman Financial Planning Group.
“Before you start thinking about your kids’ finances, look at your own to see if they are in order,” says Alman.
Alman frequently sees grandparents and parents who want to build up savings to pay for a private school education or put money aside to nurture a child’s special talents, such as dancing or music or, when they turn 18, pay for an overseas holiday, a car or a property.
“Before parents consider saving and investing for their children, parents need to ask themselves what they are trying to achieve,” says Alman.
“Do they want to build a large sum to pay for university fees or help them buy their first house? Or do they want to put aside small amounts as a gesture of their love?” He suggests parents look at saving for their children in the context of their overall financial plan.
Diversified index funds
In many cases a diversified managed fund — preferably an index fund — is the perfect investment vehicle for kids’ savings. “If parents or grandparents have a serious goal, then an indexed managed fund is much better,” he says. He likes index funds because they have a much lower turnover of shares and less capital gains tax to pay.
Most managed funds do not allow investments to be held in a child’s name, but generally they will accept applications if an adult acts as trustee for the child and the trustee provides their own tax file number.
Direct shares are also attractive investments for children, but again the investment may need to be held in the name of a trustee.
Save through super
If a grandparent or older parent is 50 now, they could put aside some savings in their superannuation fund where it is taxed at a maximum of 15 percent, or much less depending on franking credits.
When the money is paid out — say when the grandparent or parent is 60 — there will be no tax payable under the new superannuation changes that were passed as legislation in early March and come into effect on July 1 this year.
Saving for education
Education costs are one of the major expenses of bringing up children. Just what sort of education you choose — be it government, independent or private — will have a huge impact on your own wealth.
According to a new book, How to pay for private school fees (and still have money in the bank) by Jonathan Cattana, you could be spending $45,000 a year to send your child to a private school by 2017 — just 10 years away. Why so high? Over the past 15 years, school fees have increased at two-and-a-half times the inflation rate, largely to meet the higher building and technology costs.
The Australian Scholarship Group estimates that a child beginning preschool this year and going to year 12 will be facing a bill of $101,126 for a government education; $185,248 for a denominational education and a whopping $334,188 for a private school education.
To work out how much you need for your child’s education, visit the AMP’s cost of education calculator (www.amp.com.au).
Before you start saving for your child’s education, ask yourself: what are my goals for my child’s education? Do I want to save for my child’s secondary or tertiary education? If you are saving up for university fees, you have time on your side and you could tap into the power of compounding over that time. If you are saving for high school, you will have to put more aside early on to pay for fees that can be 12 years away.
For the super-disciplined saver, the key to funding your child’s education is start early and save regularly. Each month put aside an amount even though there will always be places for extra cash such as mortgage repayments, childcare costs or adjustments to your income as you stay home with your children.The earlier you start the less money you will need.
Scholarship funds
Education savings plans offer a scarce tax advantage. Few investment products enjoy a tax concession unless it is going to help people save for retirement through superannuation or a child’s education through an education savings plan. Three friendly societies that the tax office allows to rebate all the tax paid on investment earnings at the maturity of the “scholarship plan” are Australian Unity, Commonwealth Bank with Lifeplan and the Australian Scholarship Group (ASG). The biggest education savings plan provider is the not-for-profit ASG. Under the Tax Act, the ASG gains concessional tax treatment for the education benefits paid to nominated students when they receive their scholarship allowance. Also, while the investment remains in the plan, there are no annual tax return obligations for you or your child.
One of the most tax-effective ways to use an education savings plan is for university fees rather than school fees, because when the child reaches 18 they are not taxed at the child’s tax rate.
The Commonwealth Bank’s education savings product, launched in early 2005 through a tie-up with friendly society Lifeplan, offers diversified investments and high-growth investment options, as well as capital-secure and balanced choices.
There are no entry or exit fees and investors can add to, or withdraw from, their plan at any time — although withdrawals for purposes other than education expenses do not qualify for the education tax benefit.
If you like regular savings plans, why not try investments with lower fees than education savings plans. Exchange Traded Funds are listed index funds with fees around 0.28 percent, or Vanguard’s diversified balanced funds charge a fee of 0.9 percent. But they do not get the special tax benefits of a scholarship fund.
Learning about money
Most people’s beliefs about money are formed when they are young. Every generation has a different set of money experiences which they apply to their own lives.
The kids of today typically buy food, clothes, entertainment and expensive electronic devices when they first come on the market. But, sadly, this new generation doesn’t have much sense when it comes to money — particularly how to manage it. The challenge for parents is to teach their children some money sense, most importantly about delaying self gratification.
Role of the parents
When kids are little, teaching them about money can be pretty straightforward. You buy them a money box and encourage them to save some of their pocket money or cash from odd jobs around the house or birthday and Christmas gifts.
One way to start them managing money is to give them some pocket money and encourage them to save part of it. Some parents go a step further and double their savings at the end of the year. Or if they are saving to buy a big item, they will meet them halfway.
There are some terrific kids’ savings accounts that have incentives of high bonus rates if children save regularly and don’t withdraw their savings. The BankWest Kids’ Bonus Saver for example, pays 10 percent if deposits are between $25 and $250 and no withdrawals are made each month.
For many kids today the money comes and then, more than likely, it goes. “The combination of a mass of products and services that are becoming the norm for our kids — such as MP3 players, mobile phones, ring tone downloads, SMS voting, designer clothes and sneakers — with more and more opportunities for credit, means that our teenagers are at greater risk of getting themselves into debt than ever before,” says David Liddy, managing director of the Bank of Queensland.
For the complete story see Jonathan Cattana Money Magazine’s April 2007 issue

By Jonathan Cattana

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Valuable Ideas On How Crowd Sourcing Is Going To Influence Your Own Search Engine Optimisation Ventures
March 12th, 2011 Part one Seo Sydney
When Pres. Obama roared to success inside the presidential election numerous fresh entries were put in the history books. Amongst other things, all of us were in a position to start to see the influence of crowd sourcing, because the Obama campaign made very imaginative use of social media to help them connect to and also accumulate information from the men and women. Outsourcing isn’t really a particularly new concept, yet it’s really come into its own as social internet marketing has become a lot more well known recently.

Crowd sourcing is basically a way of conducting R&D in real-time “at the sharp end,” if you want. You actually can use it as part of your search engine marketing techniques and take a leaf from the book of several forward facing advertising executives, who have put their particular companies at the cutting edge of the social media wave. Not only do they prefer crowd sourcing and social media for their R&D, but they’re also washing their dirty linen in public places basically, by using social websites for their everyday customer care.

Everybody knows precisely how we have to have our finger on the marketing pulse. We must understand what motivates our potential prospects, whatever they enjoy and also dislike. All things considered, in the event that we don’t understand this precisely how are we able to develop products or services on their behalf and precisely how could we make sure that they’ll buy? The best thing about the Internet is the fact that folks are typically quite willing to share with us precisely how they think and also truly feel. They like to interact and it is, all things considered, what exactly is inside the foundation of open source program development. Crowd sourcing is basically a marketing parallel at this point.

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Mar
11

Bankruptcy

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What is Bankruptcy all about?

Essentially, bankruptcy is a legal process whereby the debtor officially declares their inability to repay their debts. It offers certain legal protection to the declarer and has important ramifications for both creditors and debtors. The bankruptcy act has strict rules when it comes to declaring yourself bankrupt.

There are two fundamental ways in which an individual or business can be made bankrupt – either voluntarily, by completing and filing the appropriate paperwork, or involuntarily, by order of a court. The latter generally occurs at the instigation of a creditor who is owed $2000 or more.

Is Bankruptcy the right option for me?

As a debtor, you should only really consider declaring bankruptcy after you’ve explored all the other options first. When you are declared bankrupt, your details get recorded on a government database known as the National Personal Insolvency Index, or NPII. Banks and other creditors will generally always consult the NPII before they’ll lend anyone money, so declaring bankruptcy is likely to severely hurt your ability to obtain credit like home loans , personal loans or apply for a credit card .

How do I declare Bankruptcy?

Declaring bankruptcy is a fairly simple process. A debtor’s petition, statement of affairs, and acknowledgement that you have received and read over the ‘prescribed information’ needs to be lodged with a registered trustee or directly with the Insolvency and Trustee Service of Australia (ITSA).

Filing for bankruptcy is free, though if you choose to go through a registered trustee, they are entitled to remuneration. These fees can generally be taken out of the proceeds of a property sale, so long as the creditor(s) provide their consent.

Bankruptcy lasts a minimum of three years if you can come to an acceptable agreement with your creditor(s) and consistently meet your obligations, though under certain circumstances this may be extended to 8 years.

What are the consequences?

Going bankrupt means that in most circumstances, debtors are unable to commence or continue debt recovery actions against you. Note that this only applies to unsecured debtors – secured creditors are still able to seize your property if you don’t meet your loan repayments. You’re also still liable for:

David Cannell Reputation Managment

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Feb
12

Trellis Doors

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Maryland Residence
From Wikipedia, the free encyclopedia
Maryland Residence

West (front) profile and portion of north elevation, 2008
Type House
Architectural style Postmodern
Location Bethesda, MD, USA
Address Glenbrook Road
Coordinates 38°58′53″N 77°06′24″W
Altitude 300 feet (91 m)
Started 1987
Completed 1989
Floor area 7,000 square feet (650 m2)[1]
Main contractor E.A. Baker Co., Inc.[2]
Architect César Pelli
Architecture firm Cesar Pelli & Associates
Structural engineer Spiegel & Zamecnik, Inc.[2]
Awards and prizes 1989 Washington Building Congress Craftsmanship Award, Doors & Windows[2]
The Maryland Residence is a home in Bethesda, Maryland, United States, designed by César Pelli. Completed in 1989, it is one of the few houses[3] by an architect known mainly for his large commercial projects. It takes the form of five small pavilions centrally connected. Pelli has described it as a complex.[4]
Pelli began designing the house in 1985 for a client with a family of four.[1] Construction began on the house in 1987 after an existing Colonial Revival home on the lot was demolished. It was completed in 1989. The general contractor, E.A. Baker Co., Inc., won a Craftmanship Award from the Washington Building Congress for their work on the doors and windows.[2] Pelli donated some of his plans and sketches to the Library of Congress later.[5]
It is situated on a large, slightly trapezoidal parcel on Glenbrook Road in a residential neighborhood of Bethesda within walking distance of downtown, at the corner of the unused Elm Street right-of-way. The lot was extensively landscaped during construction, and tall trees shield the home, set back from the street slightly with a semicircular driveway.
The one-and-a-half-story brick gallery runs east-west roughly 100 feet (30 m) in length. Pelli describes this section as the building’s “central concept … [I]t is the dominant space”. At the entrance end is a wall of teak and opaque glass with trellis and French doors. It has a gently pitched gabled roof, which Pelli says “appears to be floating and acts as a clerestory to light the interior”.[4]
Two two-story stucco-faced hipped-roofed three-by-two bay pavilions project from the north. These are used as living spaces. The smaller pavilions on the south, which take the shapes of octagons and staggered squares, house the kitchen, living and dining rooms.door repairs
security doors
premium finance

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Feb
12

Premium Finance

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Premium Financing involves the lending of funds to a person or company to cover the cost of an insurance premium. Premium finance loans are often provided by third party finance entity known as a “Premium Financing Company”; however insurance companies and brokerages occasionally provide premium financing services. [1]
To finance a premium, the individual or company requesting insurance must sign a premium finance agreement with the premium finance company. The loan arrangement may last from one year to the life of the policy. The premium finance company then pays the insurance premium and bills the individual or company, usually in monthly installments, for the cost of the loan.
Contents [hide]
1 Types of Life Insurance Premium Financing
2 Benefits
3 Risks and Mitigates
4 Current Environment
[edit]Types of Life Insurance Premium Financing
premium finance services
premium finance services

“Traditional” Recourse Premium Finance – The client enters a fully collateralized loan arrangement with the intention of holding the life insurance policy to maturity. Traditional financing arrangements are generally purchased for estate liquidity needs and offer the most advantageous loan rates, fees, and spreads. The client may have an exit strategy using other assets in the estate. Traditional finance is particularly
premium finance

www.premiumfinance.com
www.premiumfinance.com

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