Drivers unaware of updates to the Highway Code safety rules

Drivers unaware of the security updates the Highway Code rulesby Kay MurchieOctober 24, 2007There were updates to the Highway Traffic safety rules and automobile insurance Churchill expressed his concern that many motorists are not aware of the instigation them.For, 84% of drivers are not aware that playing music is strong against the rules and 65% admit to eating while driving is not allowed.A portfolio word of the automobile insurance Churchill said drivers need to look at these changes, and stressed that motorists should not live by the rules of the road alone, but should use their common sense while on the road.The spokesman Following that things that prevent a driver's license or diverts their safety should be avoided so that accidents can be prevented.Churchill in March revealed that many motorists are afraid to turn right and 30% thought driving shoes Or flip-flops was against the rules, which is actually not the case.financemarkets.co.uk cards and gifts
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Proper Furniture Placement in your New Restaurant

Establishment of a restaurant and planning its layout is a totally different ballgame than setting up your house dining room. While the latter has only one program and a limited number of guests list, in the former dining room has several tables to accommodate both it has to cater to the tastes and sensibilities of a form in much larger groups of people. It is a challenge that you can take, however, if you have done your homework. That's where all your customers will spend their time. The immediate impact on the entry must be fabulous, as the saying goes? The first impression is the last impression? . So start working on crooked close. Start by setting up tables in the dining room. They must be sufficiently spaced to allow the exception of mental action uncontrolled circulation. Waiters customers must have enough space to move without crushing one another. If you want to use your space to the extreme, we should not neglect this important aspect. If necessary, go ahead and a ! mock exercise to check the problem areas. Select a package to go eat with all your settings. Have you chosen a theme for your pub? Classical and Modern intelligent and exclusive or relaxed and luxurious, the choice should be made by you targeting customers in your business plan. Who are you for the catering? Are you targeting students interested in a new snack and coffee, or you plan something for the man who wants relatives a good time with his family in a comfortable environment? You also need to have a complete picture of the ability to pay of your customer base, who will decide on your budget for the establishment, as well as for actions later, as prices on the menu. You might well be catering to a clientele purely working class, in this case, your settings will be very different from that of a family restaurant. Other areas that deserve special attention are the choice of the dining room chairs, placing the money and fight decorative aspects. Make sure the dining room ! chairs are found with the paintings. The counter in most resta! urants i s mainly positioned closed the door to the kitchen (as opposed to the exit in the case of most stores), which allows the manager to counter easily maintain a tag commands. If you are opening a common foreign, the view will be the main attraction, and you do not need to spend too much on the inside except for the cleanliness of the fundamental aspects. Interior decoration of a restaurant, it's another game, however. Use Amish furniture to give a class at your restaurant, which is second to none. Elegant enough to attract attention, yet firm and strong to work against the use long and crude. The Amish particular excellence of the main furniture lies in its own style and atmosphere that it brings to your room. Having chosen the basic furniture and settings, it is now time to work on the selection of dishes and setting up your kitchen. More details about these issues in my next article. Cards
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Real Estate Financing - What You Should Know Before Getting A Home Mortgage

If you have a lot of bad credit because consumer debt, such as credit cards or personal loans, you want to try to eliminate or reduce this debt before applying for any real estate financing, as it will be a affect your ability to be entitled to a mortgage and home to the estimated monthly payment. When you buy a home, obtain a home loan and the best mortgage rate is the most important step in the whole process; You must understand the basics of real estate, loans, mortgages, the current rate mortgages, and the points to get your real estate financing in place. The first step, even before you start looking for your dream house is to ask what you can support each month to spend on a house payment. To find out if there is a mortgage broker or mortgage lender network in your area or check online. Keep in mind that if you are financing or refinancing that most people move or refinance within seven years. And insiders know that advertising mortgage rates will usually find you are ! not always what you are going to actually get the lender. Fluctuations in the market, economic news or a dozen other reasons can interest rates throughout the day. One of the benefits of rate mortgages Adjustable includes lower costs. They are usually priced lower than mortgage loans at a fixed rate so that you can increase your purchasing power and lower your initial monthly payments. If interest rates fall, you will have a reduction in payments. However, an ARM is generally not the best choice. A drawback of a loan Adjustable Rate Mortgage is the possibility of increasing the monthly payments if interest rates go up. Be sure to keep in mind that the rate mortgages are adjustable best for the owners who are not planning to stay with a property for a long period. Note that any money you receive from any financial institution will appear on your credit report and your monthly payments will be a factor in your debt to income. Now, if you work with a manufacturer in a division! or housing development, and only the carpeting, lighting and ! applianc es selections for your new home, you will probably be able to obtain a standard mortgage loans. But if you are hiring bargainors, electricians, plumbers, painters, for example, you will probably need a construction loan, which provides funds to be able to pay subcontractors that the work goes hand in hand. Most of what you need to determine what you can afford to buy. A mortgage application can be represented more than once. If you have a problem of obtaining a mortgage on a home and the seller must still money on the home you can check with your lender and see if you can get a mortgage on wraparound. Although they are not legal in all states, it will allow you to pay the monthly payment on the existing mortgage and an additional payment to cover the difference. But make sure the mortgage enveloping not trigger a reason for the clause on sale. The disadvantages of a fixed-rate mortgage include a usually higher cost than other types such as a mortgage rate adjustable. If you ! borrow money for a down payment, it must be disclosed to the lender or if any of the money for your down payment is a gift, you must provide proof. You also need to consider closing costs and the escrow account for taxes and insurance. The property may be tax-deductible. Check with your CPA or other tax advisor for the latest tax information. The benefits of a fixed-rate mortgage include consistent principal and interest payments on the loan stable, so that your rates will not change. It is a good choice if you think you are going to stay at home for many years. The interest rate for a mortgage adjustable rate can be adjusted upwards or downwards to preset times the monthly payment will increase or decrease based on that. To finance real estate, it is also important to know that a low credit score FICO does not mean that you will not be eligible for a mortgage or home. Before completing any real estate financing read on all real estate or mortgage contract contract before s! igning on the dotted line. Look for nothing vague and do not b! e afraid to ask questions about anything you do not understand. Whatever you do you do not get in a situation where you can not make home mortgage payments; Consider the future. You must be careful not to assume that you can reduce your expenses and you stretch in a line of payment; You do not want to be in the cutting of healthy eating habits by eating fast a residence Can you not enough to live on for a long time. There is a lot to think about when you start out the best financing real estate. For more information on the bad credit finance or real estate to find the best home, loan or lender http://www.Real-Estate-Financing-Tips.com go to for advice, trade secrets, of aid, quotes and resources, including financing and refinancing creative Card
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What is E&O Insurance, do you need it, and what does it cover?

You get insurance in order to protect yourself from disaster. When you between disaster and insurance, you feel bad weather, stolen property, or other unforeseen physical mishaps that can ruin your business if you are not covered. The same thinking is often applied to companies, which are the owners of equipment must be protected, payroll to be managed, and all other types of assets and concerns that should be covered, too. In other words, when people think of insurance for themselves or their business, they think that the physical things that can go with that business inaccurate, and the coverage for these range of possibilities. It's pretty tight before, common discernment, and even before thinking to some degree. The problem is that, today, with the case of the environment, this is simply not enough forward-thinking. For business professionals in strict it is, in all probability, only half of the equation when it comes to you and your business properly insured. E & O Insu! rance errors and omissions insurance. Have you ever heard of that? If you are a professional, you hear more desirable. Since it could cost you. E & O insurance, as it is called, essentially protects the profession professional prosecutions arising from misbehavior, real or perceived resulting from the normal ways of the company. It goes beyond the kind of insurance most people are used to, because it covers all aspects of a business which have an impact on others when interacting with the not all private. E & O insurance is also known as professional liability insurance, and the reason should be the responsibility of such a concern for the owner of the company is linked to the very nature of doing business in itself. Contrary to individuals and their families, companies are specially set up to interact with the public as a matter of routine. You do not normally provide a good or service to a small circle of friends. You set up a company to respond to a demand that exists he! re in the audience. This involves interaction with the public ! and cond uct exchanges with them in a manner that may well be difficult for you to feel. The extent to which a company or business can have an impact on the public may be almost unimaginable. That's why things like s & Electronics insurance are necessary. Say you are a lawyer. You provide legal advice to counsel restraint. This revolves around our customers while the board and uses it as the basis to form a contract with a third party. This third part of his contract and provide services to the public. Does anyone think the public to be injured or damaged as coming from this service. Well, it is possible that the claim can be traced all the way back to the original provided to the lawyer of the person represented. It may seem unlikely. But just think how frivolous prosecutions are being. Real and perceived errors can cost you. It is a component of liability insurance that many business owners and professionals could not come to fully appreciate until it is too late. This includes mai! l s & insurance. The last thing you want to come in this regard is to have omissions and evaluators come to your door and tell you that you are not covered for a particular make mistakes that returns to haunt you. Quite literally, the cost could be not only your business, but your self-esteem as a professional as well. It is not just mistakes or errors that professionals in the conduct business practice analog. A plumber can install a kind of misconduct. A doctor may prescribe the wrong type of medication? Who receives misdoing responsibility for professionals involved as well. An effective IT professional install the wrong type of software for a computer system. This substance occurs, and errors and omissions evaluators are usually deal with these types of problems as a matter of routine. When some of the unforeseen difficulty lies in the conduct of a professional to the possibility of errors or omissions that are simply perceived as such by individuals by assuming what yo! u are doing. In other words, it is not just the reality of the! mistake s you make as a professional that can come back to bite you, but it's the people you make mistakes can cost you, too? Especially if you do not mail s & insurance. You ask effectiveness, how well does it work? Think about it. If someone simply think your conduct their cost of damage or injury, you have to hire lawyers, which can mean legal fees and themselves. There is also the possibility that you will lose a case because the jury did not like you, even if you do not technically do something. Nothing in the law, or you are thinking in the law is not enough. You need a jury to think so, too, and that can sometimes be like dice in an all-night casino. There is also the possibility that, even if the damage was the result of an error wrongly perceived as such by another party, they are considered as damage nonetheless. In other words, damage to the perception of the errors are always the damage, and someone could be seen as having been responsible. That someone could be you. Unl! ess you have e & s insurance to cover those possibilities, the last people who want to be your friends in a critical stage are those annoying and omissions evaluators. They will not necessarily care of this right, they care about what they have to cover. About the author James Cochran is the founder of Business Insurance Now, a web-based E & O insurance cause. Business Insurance Now Techinsurance and grew to become a leading provider of online errata and omissions (professional liability) for a wide range of small businesses, currently serving more than 12,000 corporate clients throughout the United States. Gift cards
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An Eye Opener About Upcoming Ipo of Reliance Power Limited

The reforms led to a dramatic improvement of the economic performances of India and all now aware that the government objective of achieving gross domestic products (GDP) has increased by 10% is achievable if economic reforms continue. India is certainly emerging as the first choice of investors, including domestic investors, foreign investors, financial institutions worldwide between nations and banks that the economy is booming and its celebration at the international level. As a result, unlisted companies are trying every day to float IPOs. India? The top 30 companies are responsible for the most notable jump in SENSEX and we are proud of them. But nobody tried to sneak a glance at the background work in companies, filing the prospectus with SEBI, seeking approval of their IPOs floating? Recently, a scam perpetrated by the promoters of Reliance Power Limited will be on investors throughout the world the issue of the company to enrich themselves at the expense of the gulli! ble public and how SEBI guidelines are diverted in a planned manner and conspiring According to SEBI? Guidelines, the promoter of unlisted companies (contingent mandatory for promoters in the grant more than a year) have to contribute in cash at a price of the IPO so that the promoters take the same financial risks that the IPO investors. The reference number is the lowest quantity "promoters contribution" to be worn by the promoters - Reference clauses 4.1 to 4.6 of SEBI (Disclosure and Investor Protection) Guidelines, 2000. As per clause 4.1.1 developers must contribute at least 20% of the capital after printing as a general taken by an unlisted company. According to clause 4.6.2 that the promoters have now contribute at least 20% at a price of the IPO, if they contributed during these 20% one year prior to the public offering. SEBI guidelines were instrumentalized to perpetrate a gross deception on the prospective investors in the IPO of Reliance Power Limited. Mr. Anil ! Ambani decided to float an office Reliance Power Limited in th! e last w eek of July 2007. Without risking his money in the project, he wants to always maintain a majority ownership in Reliance Power. The group had an envelope assembly called Reliance Public Utility Private Limited (RPUFL). RFUPL at that time had a paid up capital of Rs. 1 lakh. The authorized capital of RPUPL was increased to Rs 1,000 crores in a resolution dated July 30, 2007. Mr. Anil Ambani's personal investment company and Reliance Energy Ltd (controlled by Mr. Anil Ambani) will invest Rs 500 cr each in the capital of equity RFUFL August 3, 2007. RPUPL is still an empty shell with only Rs 1,000 crores of capital and Rs 1,000 cr investment. (The Rs 1,000 cr investment will normally be made only by Anil Ambani for businesses. Thus, no money had left the group). Simultaneously, RPUPL Reliance Power Limited and pass the necessary thing to merge in RPUPL Reliance Power Limited. Both companies file a scheme of merger in the High Court in Bombay during the first week of August 2007! , immediately after ie imbued liquor Rs 1,000 crores in RPUFL. The reason for the merger, as outlined in the scheme of merger is set RPUPL considerable effort necessary for the acquisition of technical skills and labor, which are related to the activity of Reliance Power Limited. Reliance Power Limited can take advantage of this specialized skill sets and technology with RPUPL profitable undertaking mega projects and their power more efficiently and successfully "(It should be not be able to understand from which the shell company with only one lakh Capital until July 31, 2007 acquired the skills to implement the mega power project. In fact REL one of the largest electricity companies in India was already a holder from Reliance Power and Reliance Energy genuine feeling technique has been used by Reliance Power bag mega projects command.) . The Bombay High Court approved the merger on September 27, 2007 and the order is filed with the ROC on 29lh September 2007 making the me! rger of Reliance Power Limited RPUPL into force from that date! . On Sep tember 30, 2007, Reliance Power Limited allocates shares of Rs 250 crores Two each of AAA and REL Project Venture Private Limited, who are the former shareholders of RPUPL. By inference of this stratagem, Mr. Anil Ambani and both acquire REL, September 30 2QO7, 250 crores Reliance Power shares for each guard rupees. Only 1,000 crores, which was also introduced in RPUPL only on 3d August 2007 ie within one year prior to the public offering. These actions 250 crores Reliance Power, which were attributed to Mr.Anil REL Ambani's personal investment company and in accordance with the branch apparently becomes eligible for the exemption under clause 4.6.4 of SEBI (DIP ) Guidelines Regarding the contribution by the promoters. Thus, Mr. Anil Ambani, as a promoter of Reliance Power, has avoided investing a huge amount of promoter's contribution to the IPO passed on the price and risk of unmingled position with potential investors to its staff earnings. It is obvious that the High Cou! rt was not aware of the ulterior motives behind the merger of RPUPL, a shell company Reliance Power. The merger was approved by the High Court, on the basis of facts and control actions since the holders of two RTUPL Power Limited and Reliance would have approved the merger. Shareholders of both Reliance Power and RPUPL are Sh Anil Ambani? Business Investment and a representative of Reliance Energy. Reliance Energy owns 50% of Reliance Power. The merger formulate never been taken to the shareholders of REL, which would presumably have questioned the need for and focused on the advantages and disadvantages of the merger of a reservoir with Reliance Power Limited. Issued in the press indicate that Reliance Power plans to raise about Rs 130 crores 8,000 crores by issuing equity shares of Rs 2 each. Thus, the issue price per share approximate fairness should be Rs. 60 per share. Mr. Amabni Anil, as one of the promoters for the acquisition of 113 crores shares (10% of the capita! l after issuance according to the prospectus), at a price of R! s 50 per share should have invested Rs 6,780 crores. In this context, misuse by the exemptions in the SEBI guidelines for the true intention of the merger, it has acquired 10% of what Rs 690 crores. In fact, the underwriting by Mr. Anil Ambani Rs 8 crore participated in the IPO compensation is an eye to divert attention from the public. Thus, the expenses of prospective investors M. Anil Ambani will gain about Rs 6,000 crores (assuming the IPO reward to Rs 60 per share). In fact, according to Clause 3.7.1 (i) of SEBI guidelines, a company can not make a public issue of Rs. Two share par value at a price of less than Rs 500 each. Thus, in case questions Reliance Power shares at a price of Rs 500 per share, Mr. Anil Ambani will gain more than Rs 55,000 crores to the detriment of the future, investors of Reliance Power. Thus, the total loss will be in the future investors in Reliance Power will be Rs 12,000 crores (assuming IPO price at Rs 60 per share). If the price is Rs IPO. 500 man! dated by SEBI regulations, the losses for potential investors will be Rs.1, 10,000 crores. In fact, the loss will be great for the community that will invest in the public offering and the public financial institutions and banks that invest in the common man? Money in this public issue. The above facts clearly report a fraud perpetrated on investors and SEBI should immediately put an end to the issue public and not to approve the prospectus. If SEBI approves this prospectus, it will be a great disservice to the future in matters of public interest investors said SEBI would not be fulfilling its responsibilities in a proper manner. It will set a dangerous precedent. From now on each promoter of India would subvert SEBI (DIP) guidelines in the same way and if SEBI approves this prospectus, they can not always deny any future results community made in the above manner. Indeed, if the public is allowed, it may rear serious questions about the effectiveness of the regulatory fra! mework of capital in the Indian capital market. The Department! of the company should not also left idle spectator in this matter and should make use of all the powers to stop this fraud poor gullible potential investors in Reliance Power. Master Card gift card
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BHP, Rio take share market to record

THE share market hit intraday high today, with record BHP Billiton and Rio Tinto pushing the fellowship higher.At 12.08 AEST, the benchmark S & P/ASX200 was an integral part up 22 points at 6760.3 and the All Ordinaries lifted 23.7 points to 6768.3, beating yesterday as intraday highs. But both were below the levels of the morning 6765.8 for the S & P/ASX200, and the All Ordinaries 6773.1, now new intraday records. On the Sydney Futures Exchange, in December the consumer price index, to share contract was 41 points higher at 6806 on a volume of 8,180 contracts. ABN Amro Morgans adviser Lisa Jarvis said that the market was driven by a strong resource stocks. "The strength today is back with the resources," she said. At 12.14 AEST Rio Tinto was up $ 2.69 to $ 112.80 and BHP Billiton was up 65 cents to a record 46.15 dollars. She said that the strength of today's market has surprised investors. "It's beyond comprehension. It's just gone crazy today. Everybody was again looking ! for a kind of day, the lowest since the mart, but last night we again surprised on the rise, "said Ms. Jarvis. Ms. Jarvis said that the market was mirrored Monday. "Just like what happened on Monday, we had a weak metals, gold and oil and the weakness of the Dow ... But we went to all time high ... Strange things are happening at the moment. & # 8221; The local market soared despite a weak lead from the United States this morning, where stocks fell after the maker of the airline Boeing Co. reported delays in the speech of his new Dreamliner passenger aircraft. Aluminum company Alcoa Inc. also reported earnings below analyst estimates and soon the results has raised concerns about the outlook for profits. The Dow Jones industrial average fell 85.84 points to 14078.69. The Standard & Poor's 500 lost 2.68 points to 1562.47. But the Nasdaq Composite Index up 7.70 points to 2811.61. News.com.au master card gift cards
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Process Printing on Poches Maximize Shelf Appeal

Info@dolist.net Copyright (c) 2007 David Banig Maximize plateau Passage to the call of Stand Up Pouches Pouches use much less equipment than other traditional methods such as corrugated board packaging laminar or boxes. Pouches can be customized to fit your needs while, but you have to understand why standing pockets can be beneficial to your business. Understand how stand-up pouches are made can be cheaper and more efficient to operate, you can deliberate. The crucial thing to remember is that they stand bags are made of materials of three co-extruded layers, five layers, layer 7, 9 or the layer of material can be a single layer single and laminated with a number of Other structures, p.e.t., nylon, Metallic p.e.t., etc. Pouches sheet can be printed up to 10 hue of the skin online or printed with your logo or process design, so potential to make a real impact radius. Pouches are made from materials from a site where the first step in the process of making a stand pouch happe! ns when it goes plows a set of folds that the material in a w guesset form at the bottom of the pouch to be able to. Now, if you want a new zipper closure under your pouch, it is sealed inside the face of the web near the upper edge of the area. Re-closure slides are the most common method, but filling the holes, and other openings sealed again are also available. Once the blood is vertical seals were then made along the coast and pouch new zipper closure is engaged in the same area to seal the ends and flattens. The laminated is then cut the suitcase apart vertically through the center of the seal from the coast to create the power lift pouch. Once the product is provided in the pocket thanks to the filling station where the re-closing slide is closed and the bag is sealed elevation of the zipper. With upright suitcase technology you have more options for packaging a wide variety of products such as liquid chemicals dry feed, personal care products, granular products, such! as cereals, sugar, salt , etc. The kit standing is very easy ! to use f or both consumers and help reduce packaging costs. -- Http: / / www.prflexbag.com gift card visa
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Poster Printing and Useful Marketing Strategies

Poster printing has an undeniable wide popularity. Posters have such wide readership that it can successfully attract a number of people from many walks of life.

Posters used for campaigns, events, promotions and the like can greatly benefit from this print material. The sheer size and the visual nature of posters, particularly commercial posters, make them a sight to behold.

Posters, for them to generate positive response or feedback, need strategies. This involves practically anywhere from the simplest logistics issues to communication and marketing. It is important to take all of these into reason in order to optimize your posters.

These strategies involve questions that you need to reflect in an opposite direction. All these areas can significantl! y make your posters more effective, giving your posters and yourself that boost.

Strategy
Strategy solicits information as to what stage your products, services or business are at. Determining your position in market makes it more advantageous to you since you can use it to your advantages. Knowing your weaknesses allows you to draw solutions and knowing your strengths allows you to even go further.

1. Who are your audience? Who else will your poster could potentially tap into?
2. What makes your posters and your products different from other competing products and their advertisements?
3. What or that products do you need to showcase? Would this improve your product?s status, popularity or purchase power?
4. Do you need posters to establish your product good in a higher degree or to maintain your position in the market?
5. What are you currently offering your target market at this point?

Content & Impact
This assesses the ! overall notice the relays to your audience. It involves how yo! u commun icate your product or brand identity, how you effectively communicate your idea to your audience and how the affects them.

1. What is the most immediate message does your placard deliver, both in conditions of the wording and the poster?s impact?
2. On what elements did you posters enclose upon, is it the text, the graphics or a comparison between the two? Why was this done?
3. Is the wording appropriate to you audience?
4. What other meanings or messages does your poster give?
5. Is the message clearly perceived or is the message immediately delivered upon seeing or reader the poster?

Logistics
Posters can be put up within a little anywhere. But knowing where and how many posters you need are of great weight in making your campaigns effective as well.

1. Where can you put up your posters to tap into your desired audience?
2. High traffic places are ideal, but who will your posters compete for attention, which brands?
3. Is it! more beneficial to place your posters adjacent or against competing brands or non-competing brands?
4. Do you need multiple posters lined up on walls or just a single, large print in paid commercial centers? How does this work for your budget?
5. Does the establishing affect the look and the message you are trying to speak with your posters? Why?

Make your posters work for you and see the rewards of your investment. Cover all your bases and ask yourself these questions as you plan for your posters. Integrate the most vital ideas into your poster printing and watch as to how such small investments can give you invaluable returns.

For more inquiries kindly visit Poster Printing

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Visy faces $30m fine as Pratt admits cartel

BILLIONAIRE Richard Pratt has admitted responsibility for the price-fixing cartel his Visy packaging group operated with Amcor, but denies the arrangement was detrimental to customers.

The rivalry regulator yesterday agreed to settle its Federal Court action in opposition to Mr Pratt and Visy, who were alleged to have run a price-fixing ring in the $2 billion cardboard box market from 2000 to 2004.

In a letter sent to customers yesterday, Mr Pratt said he accepted responsibility for “comments made by me to the then-Amcor CEO Russell Jones when he invited me to lunch”.

In its statement of claim, the ACCC alleged Mr Pratt confirmed that he supported the cartel agreement, while lunching with Mr Jones in May 2001 at Melbourne’s All Natio! ns Hotel.

But other than admitting having given his assent to the scam, Mr Pratt sought to lay all further blame with his senior executives.

Visy principal executive Harry Debney and former Visy Board general manager Rod Carroll, who were alleged to have been more closely involved in running the cartel, “have accepted responsibility for many of the matters put against them”, he wrote.

He maintained that Visy was merely pretending to play along with Amcor in order to steal market share from its competitor.

“It is now apparent to us that Visy executives erred when they had discussions with Amcor and sought to out-manoeuvre them as part of Visy’s pursuit of market share gains,” Mr Pratt wrote.

While apologising to “all those concerned by these events”, Mr Pratt denied that Visy had ripped off customers.

“We believe that actual market outcomes demonstrate that our behaviour did not disa! dvantage our customers,” he wrote.

“But if ! any cust omer has concerns we will investigate them,” he wrote, stopping short of offering compensation to customers who may have been overcharged.

The settlement is expected to be presented to the court this week as a statement of agreed facts and recommendations for penalties, which are expected to top $30 million in fines.

The statement will be closely scrutinised for admissions that could be used to advance claims by victims of the cartel.

Law firm Maurice Blackburn Cashman principal Ben Slade said a $300 million class enacting filed against Amcor on behalf of 17,000 businesses would receive a boost from Visy’s settlement.

Amcor has joined Visy as a co-respondent to the action, which is based on Amcor’s admissions to the ACCC, which has granted the meeting of friends immunity from pursuit in return for blowing the whistle on the cartel and co-operating with the regulator.

Cadbury-Schweppes, the only major customer to have launc! hed legal action over the cartel, is also suing Amcor for $120 million it claims Amcor was able to overcharge for cardboard boxes and PET plastic bottles by exploiting its cartel relationship with Visy.

news.com.au

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Bank of Ireland introduces 2 for 1 card

The Bank of Ireland has recently introduced a very canny product to the market that?s a credit card and personal loan combined, giving the portrayal holder some very flexible ways to make large purchases without attracting the large touch rates that are normally associated with credit cards.

Any customer that makes a large purchase on their card, and is unable to repay it in within the statement date has the option to transfer the balance to the personal loan part of the product. That currently offers a discounted 6.9% profit rate for 12 months, giving the cardholder a year to pay off their loan before the interest reverts to the higher credit card rate of 14.9 %.

Even better, and as an incentive to new customers, the card offers an introductory 0% rate on! purchases for the first six months. But the real beauty of this product is the sheer ease. If you want to make a major purchase that you know you could pay off within a year there is no need to waste time having to compare loans and the rates charged, then request quotes before submitting an appeal and waiting for the cash to go into your account. You can simply abalienation the credit card balance to the personal loan part of the product, freeing up the credit card element of your account to be used in an efficient and cheaper way.

Of course, there is a enchant. To make use of the personal loan aspect of the harvest the minimum amount must be ?500, and only two purchases can run on the settlement plan at any one time. In articles of agreement of the transfer amount, a maximum of 80% of the credit limit for that sake can be transferred. That aside, using the repayment facility would still prove cheaper than most of the corporal loans on the market. The average pers! onal loan rate in Ireland is between 9.7 per cent and 12.2 per! cent an d the average overdraft rate is in over-indulgence of 15 per cent, meaning that anyone utilising the repayment element of the 2 in 1 account would make a significant saving on the good paid.

There is no doubt that this product would prove very extremely popular if it was introduced into the UK loans and credit card market, so you can be certain that banks and building societies in the UK will be keenly watching how this product performs.
—-

Adam Singleton is an online freelance journalist from Scotland. His hobbies travelling and hiking.

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A Structured Settlement Company

A Structured Settlement Company such as J.G. Wentworth, Stone Street, America's Note Buyer, or Novation Capital are leading structured arrangement companies available to assist individuals as well as other companies who have received a large judgment in a court settlement case or large winnings as in a lottery, by purchasing the whole footing of the settlement at a discounted price.

For example; you've been fortunate to win a large cash amount from a lottery win, you originally accepted your winnings payable over several years. Then as time has elapsed, you suddenly realize you could use a larger payment now by selling your remaining balance for a lump sum amount.

The structured settlement company is willing to buy your balance at a discount. The discounted buyout is alembic a considerable a! mount and you could use it sooner verses the slower installment amounts over time. A note buyer is a good solution to an immediate need for capital.

Structured settlements are a win/win business for all parties involved. Structured settlements have solved many financial crisis over the years and they obviously benefit themselves as well. When you need a large buyout it's comforting to know are structured arrangement companies available.

A note buyer stands to make their return over a long period of time and they too can sell off the structured settlement note in symmetry to reinvest in other more lucrative structured settlement notes.

Your assets may be a structured settlement or a private note or even an inheritance stuck in probate. It also pays to shop your structured fixture with funding companies specializing in turning future payments from structured settlements, annuities, real fortune notes and other assets into cash. This business is not unlike an! y other, competition drives there customer base, so don't jump! at your first proposal. It would also be advisable to let each structured settlement note buyer be aware that you have contacted other note buyers and you are wanting the best deal you can receive.

Structured settlements are funded by annuities, they are purchased to produce a payment in increments over time to the payee. Structured arrangements are similar to investment annuities yet they differ in nature as to who actually owns the note. Before you approach a structured settlement company make sure you know that in fact you own the right to sell. Some annuities are owned by an insurance company and you cannot sell that which is not yours to sell. Investigate your settlement with your own fiscal advisor or attorney first.

When you have the need for a structured settlement, it pays to know the industrial art leaders and how to approach them. Read this article before making any decisions.

http://wealthsmith.com/structuredsettlement.htm

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Searching for Excellence

4 tips for improving your sales team?s success

The year 2007 is now officially almost half over. Is your sales team performing at their maximum potential?

In recent articles, we?ve covered a range of tips and techniques to help professional sales persons fuel their success. This week, as the height of summer approaches, we?re focusing on all the sales managers, business owners and sales leaders out there who are looking for new ways to increase their team?s (or company?s) revenues ? and improve their gain margins ? as we head into the second half of the year.

If you?re in the process of developing your marketing and sales plan for the second half of 2007, the following four tips can help you to help your team improve their sales resu! lts, increase their revenues and exceed their sales targets.

Tip #1: Love the one you?re with.
Many companies invest far too much time chasing new customers, and far too not much making sure their existing customers are happy.

Research tells us that selling to an existing customer is between five to fifteen times less expensive (and takes far less time) than acquiring a new customer. Why risk losing something you worked so hard to secure in the first place?

One sure-fire way to increase your customer retention rate is to produce a monthly newsletter or other program that lets you stay in touch with them on a regular . Newsletters can be easy to create, inexpensive to produce and can even be distributed instantly by email. Most importantly, a newsletter can help keep you in your customers? top of mind, so whenever they need to buy again, they think of you first.

Tip #2: Get some feedback.
A satisfied customer is predisposed t! o purchase more, purchase more many times and even purchase so! mething unlike than a customer who is less than satisfied with your product or service. So what are you doing to your customers are satisfied customers?

The most successful companies poll their clients immediately following a thing acquired in class to gauge their horizontal surface of satisfaction and make any necessary changes to their sales and business programs. If you haven?t gotten any feedback from your customers in a while, pick a day this month for you and your team to sit down, call your customers and find out how they verily feel about you.

Ask them specific questions like how they would like to be served by you, what their experience has been like with the various departments in your company and what they would like to see you do differently. You can then use this information to craft a sales and service strategy that puts what the customer wants, foremost.

Sound scary? If so, then you in all probability need to do this exercise even more. If you rec! eive any negative feedback, take action to fix it right away and call the customer back as soon as you have a solution. You may be surprised to see how many customers will be inclined to buy from you again once the problem is resolved.

Tip #3: Get .
According to a recent Gallup study, emotionally connected customers spend 46% more than customers who are simply satisfied.

How do you create emotional connectedness? Start by being personal.

Have your sales reps send handwritten thank-you cards after each first-time sale. Keep track of and contact your customers on material dates such as the annual festival of the day they started doing business with you, their own company anniversary, family birthdays or anything else you can use to build a personal relationship. Plus, make a point of connecting with customers on holidays throughout the year.

And continually, always be on the lookout for any opportunity to give in charge someone to your c! ustomers. If you can help your customers grow their business, ! believe me, they?ll be only too happy to take you with them.

Tip #4: Make a direct link.
The number one mistake I see many business-to-business companies make is allowing all of their contact with their customers to go through a single sales representative. This can leave you vulnerable whenever one of your employees jumps ship to join one of your competitors. It also too much room for negligence on the part of your reps.

Establish a manage link with each of your customers, regardless of how many layers of distribution lie between you. A restaurant owner can do this by coming around and chatting personally with diners. A CEO of a large company can do it with a newsletter or maybe a hotline phone number.

To reinforce this direct link, get in the habit of contacting your customers at several times throughout the year. For example, send them en email to:

· Introduce new products or services;
· Give advance notice (and an explanation) of an upc! oming price or fee increase;
· Offer special discounts or premiums;
· Provide useful and valuable industry information;
· Give special recognition to top customers; or
· Announce seasonal sales.

Remember the main rule!
Just remember this one critical rule: tell your entire sales story every time you communicate with established customers.

Don?t take shortcuts or feel that you may be boring them by effective the same story over and over. Don?t assume any specific knowledge on the part of the customer. And as my first sales mentor once said to me, don?t ever make the mistake of thinking that your customers have an active imagination.

Customers have so many things going on today that they simply can?t be counted on to remember all the people of distinction things near you from one sale to the next without at least a little prompting. So if you have a singular quality, service, recompense guarantee or other advantage that sets you! apart from the competition, take a moment to point it out eac! h and ev ery time you deliver a written or verbal sales presentation, and in every newsletter you send out.

As sales professionals, we desperately need to place a higher value on the customer. That’s the message abaft Tom Peters? incredibly successful “In Search of Excellence” movement. It’s the message in the rear Blockbuster?s ?No Late Fees? policy. And it?s one of the reasons why, in Canada, cell phone companies have finally allowed their customers to ?take their number with them.?

Make sure it?s the message behind your company, your team and your customer service, too. Communicate with your customers often and with emotion, and you?ll find your business will really begin to soar.
Copyright MMVII, Engage Selling: All Rights Reserved. All trademarks used or referred to on this site are the property of their respective owners. No materials on this site may be reproduced, altered or further distributed without Engage’s prior writ! ten permission. http://www.engageselling.com

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How a Living Trust Can Help You Disinherit Uncle Sam

Copyright 2006 Ainer & Fraker, L.L.P.

A living trust can help you reduce your estate tax liability to Uncle Sam. To see how this tax reduction works, let’s examine the following hypothetical case:

Client Family has an estate of $4 million. The husband dies in 2006, leaving his entire estate to his Wife.

Under the 2006 tax rate, each spouse is entitled to an privilege of $2 the masses (known as Unified Credit Amount), which is not subject to Federal Estate Tax. Any amount over $2 million is subject to taxation at a rate up to a maximum of 46%.

According to the current law, here is the likely scenario without a Living Trust. The husband is able to transmit his entire estate to his wife, and pay no taxes at his death. This make over is ! referred to as the Unlimited Marital Deduction, and it allows the husband, upon his death, to transfer any whole to his wife, free from class tax.

That sounds like a pretty good deal, until you learn why Uncle Sam supports it. Uncle Sam knows that he is not giving up his right to collect the Estate Tax, but merely postponing it. By postponing it, Uncle Sam can collect a higher rate of taxes than he can by taking it immediately for the cause that both spouses did not use their .

The husband has transferred his entire estate to his wife, and she now has an estate of $4 million. When the wife dies, Uncle Sam will allow her to use her $2 million tax exemption, but the remnant is taxed up to a rate of 46%.

The result is that the wife will pay nearly $900,000 in estate tax on the $2 million of her estate that is not excluded from the estate tax.

Why will the wife have to pay nearly a million dollars in estate taxes?

Remember that the $2 million ! exclusion is allocated to each spouse. When the manage with fr! ugality died, he did not use his exemption, and therefore, it was not available to help his wife upon her death.

The Unified Credit is a “use it or lose it” tax exemption. If you fail to use it at the first spouse’s death, it is gone forever. Fortunately, this outcome can be avoided through some basic estate planning.

Let’s examine what happens if Client Family has a Living Trust. At the husband’s death, $2 million passes outright to his wife in the Marital trust. $2 million passes to a Bypass Trust. In this scenario, both Unified Credit exemptions are used. The wife’s $2 million exemption is applied close up to the Marital trust, and her husband’s $2 the public exception is applied against the Bypass Trust.

The result?

Client Family passes on $4 million to their children, and the children pay no estate tax. For the price of a Living Trust, Client Family saved nearly a million dollars in estate taxes.

Which! result do you for your family?

Article Source:http://www.articledashboard.com

John Erik Fraker, Esq., is an estate planning attorney and associate of Ainer & Fraker, L.L.P., a Silicon Valley-based law firm specializing in estate planning, unworthy business law and tax. The firm’s web site is at www.estatesattorney.com .

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Online promotional coupons, promotional code, online discounts

Online shopping is the fastest extending multi billion-dollar business in the world. Online shopping is rapidly becoming a worldwide unusual for convenient shopping. One of the bulkyest benefits of online shopping is the ability to quickly find the product you are looking for at the lowest possible price. Many people are pleasantly surprised when they learn that almost all Internet shopping is tax-free. Another great way to save even more is to use online Promotional coupons. Promotional codes, also called promo code are like discount clip coupons that you would find in newspapers or coupon book. These are usually few character long strings that are entered during the checkout procedure. The coupons state the $ value or % value saving, so fairly easy to use and save more money. T! here are a lot of sites offering Online promo coupons, like many online shopping sites that list store in Various category, even make ready a powerful search feature which make it easy to find the store you are looking for. The drastically cuts down on time you spend shopping for coupons and helps shoppers on not quite any type of product. Here are a couple of tips
While shopping online using coupons or promo codes: *Read the Fine Print once you redeem an offer, review the Details and Restrictions carefully. You don?t want to be disappointed during checkout if there is a restricted item in your order. *Use your Browser ?Copy? feature a promotional code may be case sensitive, so copy it exactly as it
Appears on our site. Be sure there are no spaces before or succeeding the code when you apply it to the order. *Verify the Offer makes sure the discount is clearly shown before you confirm the order. Online promotional coupons cannot be applied retroactively.

*Co! mbine offers promotional code can be combined with site wide F! ree Ship ping or sale promotions. Details and Restrictions are with the understanding when you click to redeem the offer. *Make sure you are acquirement the best online discounts; sometimes it could save you more money by using a %off
Coupon for better reason than $off attached certificate. Please calculate your decision before you pick a deal.
*Many sites offer “free” shopping; please check for those deals often. *Be Flexible - not all stores have online promotional coupons at any given time. Most sites are updated
Daily, visit often to find great deals. *Sign-up for e-mail promotional code update usually
Sent weekly.

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