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In 1972 Ries and Trout printed a series of articles declaring the arrival of the positioning era” in Advertising Age. And his standing as a advertising, branding and strategy guru was born. Along the best way, Ries has gained numerous awards together with being named probably the most influential people within the field of Public Relations in the twentieth century by PR Week and was inducted into the Marketing Hall of Fame in 2016.
Over the course of his profession Jim has introduced at more than 50 events worldwide. His conference credit embrace SES , SMX , PubCon , Affiliate Summit , ExpOn, Hostingcon , and WebMasterWorld among others. He has also served as a PubCon Advisor and is a member of Internet Marketers of New York (IMNY). Jim’s areas of experience Cash Advance embrace, search engine optimization, Tools, Link Building and The Panda Updates.
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Where To Look For SilverJewelry Wholesale in Bangkok – There are several popular places for wholesale silver jewellery patrons in Bangkok. Surprisingly, one of the easiest locations is on the hippie-backpacker street, Khao San Road, where you’ll discover numerous stores selling nothing but wholesale silver jewellery. Look at pieces at several shops and do price comparisons before purchasing anything, and don’t forget to discount. Even at already wholesale prices, every retailer offers you a higher discount the more items you buy.
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Costco Canada has a monitor document of outperforming its U.S. house market on the gross sales entrance. In its most up-to-date quarter, ended Nov. 20, its Canadian similar-store sales at current stores rose four per cent – and 5 per cent excluding the results of gasoline deflation and forex – compared with a 1-per-cent gain at its U.S. shops. Students can tailor the MBA to suit Work their career targets with electives in Logistics, Negotiations, Project Management, and Design Methodology. As business grows in Indiana, the need for those with knowledge associated to financial matters may also grow. For this motive, accredited finance diploma applications in Indiana are becoming more and more important.
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SST gives a full vary of third-social gathering servicing options including primary servicing for portfolio transfers, conduits and ABS, and again-up servicing to the ABS term and warehouse lending markets. The sum of all ranks was then divided by seven, for a most doable rating of a hundred and a lowest attainable rating of zero. On July 30, 2012, PNC announced plans to place ATMs in 138 Harris Teeter grocery stores in the Carolinas.
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Grey fleet vehicles are becoming increasingly common on UK roads, as more and more employers are incentivising staff to use their own car for business travel. In fact latest figures from the BVRLA (the trade body for the vehicle rental and leasing sector) put the number of grey fleet vehicles in circulation at an all-time high. Estimating that 14 million of the UK’s cars now constitute grey fleet use – 40% of all road users in Britain.
Here Bluedrop Services outline the reasons you should be aware of and dealing with your company’s grey fleet.
What is a grey fleet vehicle?
A grey fleet vehicle is a business vehicle that is privately owned, rather than company owned. Meaning the vehicle has been directly purchased or rented by an employee, rather than leased through their employer. There is often confusion between grey fleet cars and company cars. But the main distinction comes down to whom the legally registered owner of the vehicle is.
Why have a grey fleet?
Grey fleets are popular among employers who need road vehicles for their business operations but don’t want to invest in an-house company fleet. In most grey fleet models employees are simply reimbursed for their business mileage as an incentive to use their own car for business travel. Thereby relinquishing the business owner from any expenditure, besides fuel reimbursement costs.
What’s the problem with grey fleets?
Although a grey fleet business model might seem like the perfect transportation solution, in actual fact grey fleets are becoming an increasing problem on Britain’s roads. And that is something that’s falling back on employers, not employees, to address.
11 million of the total 14 million grey fleet vehicles in circulation are private sector. And together with totalling more than £2.7 billion in work-related accidents, grey fleets are costing employers almost £5 billion in mileage every year in the UK. Equating to 3.5 million tonnes of CO2 emissions.
It’s for reasons such as this that the grey fleet model is now coming under fire. With organisations operating a grey fleet ultimately being held accountable. And with prosecutions and penalties on the table, it’s important to know where you stand, and your liability, in terms of your grey fleet operation.
Your responsibility as a grey fleet manager
As a grey fleet operator the buck falls with you to ensure your drivers, and their respective road vehicles, are both fit for purpose and as part of corporate social responsibility, are responsibly looking at carbon reduction. This responsibility also includes having adequate insurance to cover business use, a valid driving license, and checks to ensure the vehicle itself is roadworthy.
That’s why it’s so important for UK businesses compensating their employees for private vehicle use to have a grey fleet management system in place. One that directly addresses your duty of care as an employer to your employees, but also demonstrates proactive measures to reduce your grey fleet’s environmental impact, and improve efficiency.
Track your grey fleet’s mileage and usage
One of the first steps to improving grey fleet efficiency is to get a handle on how, when, and why the vehicle is being used. Something that predictive analytics technology can assist with.
Predictive analytics is a process of capturing data, and using the data to gain insight about your grey fleet’s behaviour. Such as apps that measure mileage, speed, and breaking, to dash cams which record a driver’s journey. All of which can help you paint a clearer picture of your grey fleet’s performance.
Using a combination of one or more of these devices won’t only help you understand your fleet’s usage day to day. The other great thing about these types of systems is they allow you to verify expense claims for mileage. As well as provide a record of the driver’s actions and reactions on the road.
Establish company guidelines that govern grey fleet usage
Once you have a better understanding of your grey fleet’s behaviour you can instate a company policy that governs the terms of vehicle usage. All of which will help you run your fleet more efficiently, reducing overheads, and your organisation’s environmental impact.
These frameworks should explicitly outline acceptable vehicle usage. Giving clear parameters for what is considered reimbursable business mileage. You should try to reduce vehicle output by encouraging employees to consider alternative means to driving. Such as whether it’s more economical to conduct a meeting in-house, or remotely via conference call. As well as putting in measures that discourage car journeys within a specific boundary.
You can also investigate car-pooling initiatives to reduce one driver journeys, as well as bringing in sign-off procedures that require advanced approval for journeys made beyond a certain distance. All of which should discourage casual vehicle use, thereby reducing expense claims, and your fleet’s cumulative CO2 output.
Introduce checks to assess your drivers and their vehicle
One of the biggest misconceptions about grey fleets is that the registered vehicle owner will be liable for any insurance claims, penalties and/or prosecutions that result from an accident on the road. This is simply not true.
If an employee has an accident that results in loss of life, while undertaking business travel on your behalf, your organisation could be held accountable under the Corporate Manslaughter and Corporate Homicide Act 2007. Even if that employee was traveling in his or her own vehicle.
Employers ultimately have a duty of care to adhere to. And when you’re asking your staff to make business trips as part of their job role, that duty of care extends to making sure they, and their vehicle, are fit for purpose. So it’s imperative to introduce regular driving licence checks for all employees using their own car for business travel. As well as to ensure the vehicle is roadworthy and properly insured for business use. The latter of which can be verified through MOT certificates, and policy documents, together with vehicle spot checks.
Insurance – the grey area of grey fleet management
Insurance is one of the biggest grey areas when it comes to employee-owned vehicles being driven for business purposes. With very few employers taking proactive measures to ensure their drivers have adequate cover, or assuming that the responsibility to insure the vehicle ultimately falls on the owner.
A vast proportion of employees believe that having “commuting” cited in their insurance policy is enough to cover them for business travel. However in around 20% of drivers, this isn’t the case, and ultimately it’s the employer’s responsibility to check that the correct level of business cover is in effect.
Vehicle insurance covering business use actually falls into three distinct categories:
Covers business travel to locations and sites beyond the employee’s usual place of work. But excludes commercial use (such as the delivery of goods).
Also excludes commercial use but allows a second named person to drive the vehicle for business travel, in addition to the primary vehicle owner.
Allows for two named drivers on the policy and also covers commercial vehicle use, such as door-to-door sales, or the delivery of light goods.
In the majority of cases a privately owned or rented vehicle will not automatically be covered for the three classes of business use outlined above. And some insurance policies will specifically exclude business use of the vehicle as standard. For this reason it’s vital to check the wording of policy documents carefully, and adjust the level of cover to include appropriate business travel requirements.
Seek professional grey fleet insurance advice
As an employer it’s your responsibility to ensure your grey fleet drivers are adequately insured for the journeys they’re making. Failure to conduct checks to this effect could result in liability on your part, should a claim result. So it’s not in a business’s best interest to turn a blind eye.
If in doubt a fleet insurance broker, such as Bluedrop Services, should be able to assist you in understanding the level of cover your employees require, and finding a competitive policy. Only by consulting an expert can you have the peace of mind that your business operations are protected should the worst happen.
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On Thursday, inventory-trading app Robinhood introduced that it’s gearing up to launch zero-charge cryptocurrency trading in February in a bid to extend its consumer base. Thereafter, assess your personal danger urge for food. Risk and returns often go hand-in-hand; so if you’re seeking larger returns, you should Career Development anticipate a higher stage of danger, and this applies to stock-choosing too. But there is only one Mid-cap with a low-ish price offered: FSMAX (0.045% payment, and quick term trading charge of zero.seventy five%) I don’t know what quick term trading” means.
My worst loss previous to the course was close to $15k!!!! Ross helps you perceive how the losses happen, the psychology behind it and how one can forestall it! I really feel a lot more snug buying and selling, as a result of now I perceive what stocks to select, when to get in and out and tips on how to manage my risk!! FINRA Trading Activity Fee (TAF): $.000119 per share (sells only) – this charge is rounded up to the nearest penny and no higher than $5.ninety five.
Just letting you know that I copy-pasted the inventory sequence right into a PDF document and uploaded it to my kindle. I am now reading, rereading and performing some extra rererereading of the stock sequence. And so is the husband. is a free on-line trading sport that allows customers to trade stocks from over 30 Countries. It permits customers to create a portfolio in 38 different currencies and compete in opposition to others from around the globe. Well, I called Vanguard…..they informed me that to get closest to VTSMX I would have to combine my S&P 500 index fund with their mid-cap blend and small-cap mix index funds.
You can expect a response by email or phone within roughly forty eight hours. If you would like to speak with a Schwab funding professional immediately, please call us at 866-232-9890. We admire the chance to work with you to meet your goals. There are many reasons so as to add a small worth fund to your portfolio (and I do.) But I assume putting ALL of your home Money Transfer (or worldwide) inventory allocation right into a small value fund is just not sufficiently diversified given that SV is only something like three% of the market. This procuring characteristic will continue to load items. In order to navigate out of this carousel please use your heading shortcut key to navigate to the subsequent or earlier heading.
One major complaint that I had with Robinhood early on was the lack of dividend historical past during the month. Normally, you would have to wait until several days into the next month before getting a list of your dividend revenue earned from the prior month. As you already know, I first posted that comment on one other blog put up of yours a while ago. In that time I have joined the Vanguard Index International Shares Fund and have deposited $15k. A pittance, nevertheless it’s a start. The promoting interface is just like the shopping for one. You select what number of shares you need to sell (at $2.72).
At instances the markets are influenced by some major news, however everyday trading is dependent upon loads of other factors additionally, from the company’s fundamentals to market sentiments. Stock trading also happens to be a much less intimidating solution to dip your toes on this planet of investments as it is relatively convenient and inexpensive lately. Funny you need to mention international funds. I simply got off the cellphone with a good friend who was taking me to process for not holding them.
Once your balance once more exceeds 10k, your account will revert again to VTSAX and its lower ER. Vanguard ought to do this automatically, but it is value maintaining a tally of and reminding them if needed. But each transitions ought to be seamless. How does both be just right for you? We put money into the SP500 in my 401K (VIIIX) and VTSAX in our taxable PIE 401K has a set of weighted funds mimicking the TSM in terms of the equities portion of it. And the 20 greenback charge was someone speaking about VANGUARD and fewer then 50k invested, there isn’t a such fee in an investersparkonto.
The Money at Loyola University Maryland, in Baltimore, Maryland.
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