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How To Wear The Crop Trend

crop crop tops cropped tops Fashion fashion trends spring 2014 style women's fashion women's style womenswear

by Juan E. Romero

The Crop Top Trend Takes Off

The Spring collections seem to be sending a clear message to women everywhere. Start the hitting the gym! Much like the cut-out trend from earlier seasons and the current sheer trend, the crop top trend takes its cues from ladies with toned bodies and midriffs.

Designers such as BCBG Max Azria, Alberta Ferretti, House Of Holland, Balenciaga and Alexander Wang all showed belly button baring designs in their Spring runway shows. Whether the crop tops were paired with flouncey skirts or dressy pants, they instilled an air of vibrancy and youth to the collections.

This trend is definitely slanted for those women that have trim waistlines and want to show them off. A perfect look for Spring and Summer, this style direction provides a bit of relief from those stifling hot days where too many layers or enclosed and constricting clothing can make you feel like your encased in plastic! The styling tends to be loose-fitting and the fabrications are usually made of breathable fabrics that make this a comfortable trend to wear.

Balenciaga Spring 2014

Balenciaga Spring Collection

Key Crop Top Styling

My favorite versions of this look are a cropped woven or knit top that is paired with a flirty skirt or a pair of boyfriend jeans or Capri pants. I'm not a big fan of the bustier as it is a bit too revealing and unforgiving for those women with less than perfect bodies. It also is not a professional look that can be worn to the office.

Just last year, Kerry Washington, who was expecting her first child, wore a crop top ensemble by Prada to the Screen Actors Guild awards, challenging the notion that this look is only for women with super-model figures! I also like the option of wearing a cropped top over another top. This layering version provides even more choices to create a unique look by mixing fabrics, colors and patterns of differing lengths.

Alberta Ferretti Spring 2014 Ready-to-Wear Collection

Alberta Ferretti Spring Ready-to-Wear Collection

This chic separates look allows for a plethora of cool combinations. The color blocked trend is well represented here and there is no shortage of mix-and-match print and pattern styling couplings that can be imagined.

To see some of the best examples of this trend, visit my Pinterest board, Crop Top Shop. What about you? Do you plan on wearing some cool crop top looks as part of your Spring and Summer ensembles?

Juan E. Romero is the Owner and Creative Director of 65MCMLXV. He has more than twenty years of Fashion and Design Trend experience. You can find him on Google+ and Twitter.

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Heating Unit Not Working. Common Heating Repair Problems!

Thursday, October 8th, 2015

Your heating system is a complicated machine full of moving parts all put together in a delicate pattern. This means that little things can cause the system to stop working all together. The experts at Cool Air Mechanical want you to know what some of these common heating repair problems are, and what you can do to avoid them. The following is a list of some of these issues:

  • Blocked vents: The hot air from your heating unit can’t really get to where you need it if the heating vents are blocked. When this happens, dangerous pressure can occur in the vents, or the desired hot air will find another room to vent to. You can help avoid issues with your system by making sure all the vents to the rooms you want heated remain clear of furniture, paper, and other blockages.
  • Dirty filters: All modern heating units come equipped with filtration systems. As air is brought into the system to be heated, it passes through some filters which keep dust, dirt, fabric pieces, hair, and other such debris from entering the engine and causing major problems. If these filters are not cleaned or replaced on a regular basis, then you might encounter some unpleasant issues. In many cases, the professionals from Cool Air Mechanical are able to solve issues with slow engines, strange noises, and bad smells by simply addressing the dirty filter problem.
  • Poor insulation: While your heating system is made to work long and hard, it really was not designed to run at all hours of the day and night without any times of respite. Running for too long can wear out the parts and needlessly hasten the need for a replacement system. You can help avoid this problem by ensuring that your house is properly insulated. This will allow the heated air to stay inside, so your system can get the house heated in a shorter amount of time.

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in ,

Mr. Jude Ojeogwu, Regina Daniels’ father kicks against her daughter’s marriage to Ned Nwoko

Mr Jude Ojeogwu, the father to young Nollywood actress, Regina Daniels, has stated that the traditional ceremony doesn’t have his consent.

Regina Daniels is set to have her traditional ceremony, slated to hold today in Delta state, with senator-elect, Prince Ned Nwoko.

Mr Jude Ojeogwu wrote on Facebook:

Regina daniel Ojeogwu is my biological daughter.What ever is ongoing is not to my knowledge and without my consent.The fact speaks for itself looking at the picture. Her mother Rita daniel is threading on a dangerous path and I hope she will retrace her steps. Even the initiation ceremony into otu odu appears completely strange to Regina daniel Ojeogwu.

Regina is from ogwashi uku and not from olor as being rumored. All the opportunities for Mr Ned nwoko to discuss with me proved abortive not realising that we once lived in the same house in awoyokun street, onikpan, Lagos. The implication of all this is that she inpregnated herself. The name Regina was my late mother’s name. I have tried to exercise restraint but Regina mother kept pushing me to wall. Am alive and not dead. If in doubt of this post call Barrister Jude Ojeogwu on 08033039058

Regina Daniels

READ ALSO:  Ned Nwoko can’t get his eyes off his wife, Regina Daniels (Video)

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Govt to keep raising Elly Warren death

The Australian government is raising the death of Melbourne woman Elly Warren with Mozambique authorities at "every opportunity".
Elly's family believes her 2016 murder will only be solved if the Australian Federal Police gets clearance to help with the African investigation.
Vital information was missed or overlooked by local police after the 20-year-old was found dead outside a toilet block in the Mozambique town of Tofo.
Australian officials cannot go into another country to investigate the death of a citizen, but can be invited in during exceptional circumstances.
In 2010, AFP officers travelled to Croatia for a 10-day mission following the death of Melbourne woman Britt Lapthorne in Dubrovnik two years earlier.
A spokesman for Foreign Minister Marise Payne said the AFP was liaising with Mozambique authorities and had offered to assist them.
While Elly's case has re-emerged in diplomatic talks, the government declined to comment on what, if any, progress had been made in those discussions.

Related Articles

"The death of Elly Warren in Mozambique in 2016 is a terrible tragedy and the time taken to finalise the investigation in Mozambique has been distressing for her family," the spokesman told AAP.
"The Australian government continues to raise Elly's case with Mozambican authorities at every opportunity and will continue to do so."
Following renewed attention in the case, Scottish woman Sarah Hayrikyan revealed how she escaped a sexual attack from a police officer in Tofo six years earlier, just 300 metres from where Elly's body was found.
After her account circulated around the world, an African tour group emailed Ms Hayrikyan to criticise the "negative" story and expressed concern about the impact it could have on tourism in Mozambique.
A Change.Org petition in support of Elly's family and their push for answers has passed 50,000 signatures.
© AAP 2019

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Money News: Aussies Hit With Unexpected Expenses-


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It's the holiday season. The most wonderful time of the year.

And so to help make sure you make the most of it, we've put together this guide to make sure you know where to find Santa, the best places to celebrate the season and when to ship your gifts so they arrive on time!

Start making your plans now! From holiday markets to Christmas concerts, there's a lot going on this in Denver and around Colorado this holiday season.

FESTIVITIES | 9Things to do in Colorado: Dec. 21-25

MAP | Where to find the best Christmas lights in Denver and Colorado; an interactive map

LIST | A list of all the Christmas shows you can attend this holiday season

LIST | The best Colorado mountain towns to visit this holiday season

DETAILS | Drive-through Christmas display opening Friday at Water World

VIDEO | Take a virtual reality drive through 1.5 million Christmas lights

LIST | A look at metro Denver holiday activities that won't break the bank

DETAILS | Christmas-themed pop-up bar returning to Denver at new location

LIST | A list of outdoor ice rinks in Colorado

DETAILS | You can visit Santa's Village without leaving the Denver area

DETAILS | Colorado Springs hotel builds 13-foot tall replica out of gingerbread

Would you rather spend your holiday season snuggled up under a blanket with a mug of hot chocolate watching movies? Here's what will be on.

VOTE | National Lampoon's Christmas Vacation is named the best Christmas movie by 9NEWS viewers

GUIDE | Hallmark releases 2018 Christmas lineup with 37 new movies

GUIDE | Freeform's '25 Days of Christmas' movie lineup is here

MUSIC | Listen to this playlist of Colorado Christmas songs to get in the holiday spirit

Getting the perfect gift for that special someone or the person in your family who is difficult to shop for can be stressful. But picking out thoughtful gifts should be fun! Here are some tips and resources to keep it that way.

LIST | Get unique gifts at these Colorado holiday markets

LIST | The 16 best places to shop local in Denver, according to Yelp

IDEAS | Unique, local gift ideas for everyone on your list

IDEAS | From Netflix to Denver Zoo memberships, here are 9 gifts that aren't toys

IDEAS | Stumped on what to get someone? Here are some gift ideas from 9NEWS

The holiday season is a wonderful time to give back to people in your community. Here are some ideas.

LIST | Here are some ways to help others this holiday season

DIY | How to make Blessing Bags for the homeless

We've also got all the details to make sure your holiday goes smoothly. From how and where to go if you want to cut down your own tree, to travel tips, to when to ship packages so they show up on time, find all the information you need here.

INFO | When you need ship gifts to make sure they arrive by Christmas

GUIDE | Where and how to cut down your own tree this Christmas

TIPS | Headed to DIA? Here's where to park when the airport lots are full

TIPS | You can now check your bags at DIA’s Pikes Peak and Mt. Elbert lots

TIPS | Uber, trains and automobiles: How much does it cost to get to DIA?

Food is also a big part of the Christmas season. Here are some recipes to try this year.

IDEAS | Easy, creative ideas to decorate cookies for Christmas

RECIPE | Biscochos, traditional Mexican cookies for Christmas

RECIPE | Grammie’s Christmas Wreaths

RECIPE | Festive, easy Christmas tree pull-apart bread

RECIPE | Buttery Christmas 'spritz' cookies

RECIPE | How to make peppermint Oreo truffles

TIPS | Fact or Fiction: How drinking and diet affect your health


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Crestron’s New Approach To Fusion

Crestron’s new approach to Fusion

This year the Crestron Masters training introduced a new concept in Europe allowing all attendees to put together his/her own program to their own interests. A-Knowledge supports several Fusion sites and has some new Fusion projects in the pipeline, so I went to all Fusion classes to see what’s new.

Crestron announced their cloud solution of Fusion at ISE earlier this year. No more working out all the details with IT departments and DBA’s to try and get the Fusion server up and running. All you need to do is fill in an application form, send it to Crestron and put the unique Fusion URL you receive in your browser to get started. Crestron will host this service in the cloud and as such takes care of requirements, performance and scalability. At this moment Fusion Cloud is only released in the US. Due to the several data privacy laws in Europe to overcome, expected is that it will be available here from July.

In general Fusion Cloud will have all the same functions as the current version, although it has some limitations on the scheduling and E-Control part. For now at least, scheduling solutions like Lotus Notes and R25 will not work with Fusion Cloud. E-Control functionality will require some port forwarding in able to reach the on premises control systems. Fusion will still be available for on premises installation in case some of these specific functions are required or when security measurements of the customer do not allow for cloud hosted services. In such case Crestron will assist during the installation of Fusion to make sure everything is set up correctly.

Until now Fusion was a onetime buy product. Crestron is changing this to a monthly, yearly or 3-yearly fee with a 3 year contract, just like you would buy, for example, Office365 from Microsoft.

With Fusion Cloud, Crestron commits themselves to even better support their customers. But how will they do this?

Crestron will be involved from the beginning of the project and will put together a Fusion team per project. This team will help out with sales, deployment and support.

  • Sales & Project Definition

Crestron will provide guidance during the design process to find out the needs and deliver solutions which will result in a validated design. Responsibilities will be described so everyone involved knows what is expected from them.

  • Deployment

Crestron has put a lot of work in making the programming part of Fusion more standard. Once the Fusion hooks in the programming are in place the code is send to Crestron for review of the Fusion programming.

  • Support

After the project is deployed Crestron will follow up periodically to make sure Fusion is used as described during project startup.

With Crestron further  stepping up their game, they aim for every Fusion instance to be setup correctly and come to an acceptance plan so all involved parties know what to expect. This way everyone can focus on their key strengths and successfully deliver Fusion, so every end user has a consistent Fusion experience.

All of this looks very promising and A-Knowledge is looking forward to contribute to this new approach of Fusion.

Let us know if we can help you in any way, setting up your next Fusion integration.

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Volume 432, Number 2, March III 2005
Page(s) 501 - 513
Section Galactic structure, stellar clusters, and populations
Published online 02 March 2005

© ESO, 2005

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Health Care in Florida: A Study of Current Challenges and the Support... Skip to content

Do you or your loved ones suspect a scam? Report it now to the AARP Fraud Watch Network.

Health Care in Florida: A Study of Current Challenges and the Support for State Reform

Health care reform in Florida is on the forefront of AARP members' minds. Top concerns include quality of care and affordability of health care services and prescription drugs.

AARP's Florida State Office commissioned a mail survey of AARP members to explore their views on health care, their specific concerns about health care-related matters, and their opinions on prospective state reform. Key findings revealed:

  • Florida members believe that Florida's health care system needs to change. Four in ten members say that fundamental changes are needed, and another two in ten say the system needs to be completely rebuilt.
  • Respondents are concerned about the affordability of health care. Three in four members are extremely or very concerned about being able to afford their health insurance, and three in ten members with insurance are not very or not at all confident that they will be able to afford their health care costs in the future.
  • Members believe that all Floridians should have access to health care. Although only eight percent of members are without health care coverage, eighty-seven percent agree that all Florida residents should have access to basic health care. Three in four respondents believe it is extremely or very important for Florida to increase the number of residents who have health insurance.
  • Respondents are concerned about prescription drug costs. Seventy-seven percent are extremely or very concerned about the cost of prescription drugs, and ninety percent feel that it is extremely or very important that the governor and state legislature work to make prescription drugs more affordable.
  • Florida members are becoming more self-directing on issues related to health care safety. About seven in ten respondents had brought a list of their medications to review at doctor appointments, had checked the medications from a pharmacist against doctor prescriptions, and had checked with a doctor or pharmacist about the possible side effects of new medications.

The survey was conducted in November and December, 2007. A random sample of 2,000 AARP members in Florida, and over-samples of 1,200 members ages 50 to 64, 1,500 members likely to be African-American, and 1,500 members likely to be of Hispanic origin were selected from AARP's membership database. Each sample was proportionally stratified by three age segments: 50-59, 60-74, and 75+. Twenty-seven percent of sampled Florida members returned surveys by the cut-off date, providing 1,693 useable surveys for analysis. For more information, contact Terri Guengerich at 202-434-6306.

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Malagasy Language Translation & Interpreting Services

Madagascan Lemurs [Source: Oakland Zoo] - abc TranslationsABC Translations offer a complete Malagasy language translation and interpreting service

Malagasy is spoken on the island of Madagascar, off the east coast of Africa. Despite its close proximity to Africa, however, Malagasy is not a member of any African language family.

Rather, it is a group of closely related varieties representing the westernmost extension of the Malayo-Polynesian branch of the Austronesian language family. Its closest relative outside of Madagascar is Ma’anyan in southeast Borneo.

The indigenous people of Madagascar, who make up some 36 tribes and are of mixed Indonesian and African stock, are also known as Malagasy.

Our Malagasy language translation and interpreting services include:

  • Document translation
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  • Immigration interviews
  • Prison visits
  • Business meetings
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  • Factory/site visits
  • Hospital visits
  • International trade fairs

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Poor performance

An employee who is underperforming can have a detrimental effect on productivity, customer satisfaction, health and safety as well as causing friction with other employees. Dealing with poor performance is rarely straightforward and employers should not assume that the problem is always the fault of the employee. The risk of poor performance can be reduced by:

  • Recruiting the best qualified people for the job
  • Selecting for promotion on merit
  • Explaining the nature, demands and standards of the job at the outset
  • Thorough training
  • Supervision, assessment and regular appraisal.

The key to dealing with the problem of poor performance is to investigate and identify the causes. The true causes will determine the right course of action, which should be aimed at helping the individual concerned to bring his/her performance up to standard. It is possible to dismiss an employee for poor performance, provided that an appropriate and fair procedure has been followed. See the Discipline section for details on how to manage a fair procedure.

The disciplinary procedure provides for staged warnings. At every stage the employer should:

  • Remind the employee of the standards required
  • Specify how the employee’s work falls short
  • Provide the opportunity to improve
  • Allow time for the employee’s performance to be monitored and to make sure that the reason for the poor performance has been correctly identified.

Dealing with poor performance

There are many possible causes for poor performance, which cannot be blamed on the employee, for example:

  • Poor recruitment and training
  • Over promotion
  • Personal problems
  • The introduction of new technology
  • Harassment
  • Disability
  • A change in the business which requires higher standards.

Where your investigation reveals such causes, your initial response should be to offer help and support rather than disciplinary action. Where the job has changed, the new requirements and standards should be explained and the employee given additional training and time to adjust. Targets and timescales should be reasonable and realistic. Where an employee is found to have a disability, you should consider what adjustments could be made which will help him/her to improve.

Unsatisfactory performance during a probationary period

Contracts of employment often include an initial probationary period, of perhaps three or six months. The probationary period is a trial period, during which an employer can assess the performance of a new recruit before deciding on his/her suitability for permanent employment. In many contracts, the terms and conditions of employment that apply during the probationary period are different from those that apply afterwards. For example, the period of contractual notice to be given to (and by) the new employee may be shorter and the company’s discipline procedure may not apply. Although an employer is able to make these distinctions in relation to contractual entitlements, it should be remembered that a new employee’s statutory rights, for example to statutory holidays and statutory notice, begin on the first day of employment.

The recruitment of a new employee represents a major investment in time and resources. It therefore makes sense for an employer to support, assist and train the new employee in the early stages of employment, so that he/she can repay that investment by making a full contribution to the business as quickly as possible. The new employee’s performance should be monitored closely during the probationary period. If there are any problems, try to identify the causes quickly and look for solutions. Explain the issues to the employee and agree a course of action. Provide whatever help and additional training may be necessary. The employee should be left in no doubt as to where he/she is falling short and what help is available.

Employers usually carry out a formal review (appraisal) of the new employee’s performance at the end of the probationary period. If the employee has failed to reach the required standards, he/she should already be aware of the issues. The formal review should contain no surprises. In many cases, all the employee needs is more time to get up to speed. It may be possible to extend the probationary period, provide additional support and training and agree to a further review in a month’s time. However, where it is thought that the employee is unsuitable and no amount of additional time or training will help, dismissal may be the appropriate outcome.

Where an employee is to be dismissed following an unsatisfactory probationary period, employers are advised to follow the statutory dismissal and discipline procedure, as set out in the Employment Act 2002 (Dispute Resolution) Regulations 2004. See Discipline Section. Failure by the employer to follow the statutory procedure will make a dismissal on the grounds of performance automatically unfair, provided the employee has at least one year’s service. An employee who is in his/her probationary period may not have been employed for a year, although this might be the case if the probationary period has been extended for any reason. There is, however, no service qualification for bringing a claim of discrimination. If a dismissed employee is successful in a discrimination claim and the employer has failed to follow the statutory procedure, any compensation awarded by the tribunal may be increased by up to 50%.

When poor performance is a disciplinary matter

Sometimes poor performance is the result of the employees own misconduct or negligence. Carelessness, idleness, lack of motivation or failure to follow procedures and instructions all involve a measure of personal blame. In such cases it will be appropriate to follow the discipline procedure. For guidance on how to handle disciplinary issues, please see Discipline Section.


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Oxfordshire Schools’ Golf Championships

8 April 2019

The first Monday of the Easter holidays saw two Abingdon teams competing with great success in the Oxfordshire Schools' Golf Championships at a sunny Frilford Heath.

Harry Gale and Jake Blackwell came first and second respectively in the individual (gross) competition, meaning both will be invited to represent Oxfordshire in the South of England Championships in May.

The Abingdon A team of Harry, Jake and Josh Roche also came equal second in the team competition, whilst Jamie Lawson posted the best Abingdon score versus his handicap.

See more of the latest news


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Download of the Month
Downloads from Other Sites
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John F. Berky
(860) 688-5098

November, 2008 - Eduard van Beinum / Symphony No. 8

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This performance by Eduard van Beinum and the Concertgebouw Orchestra was given in the Concertgebouw on April 21, 1955. The concert was recorded on Pyral (acetate discs) for later broadcast. At some point, the discs were discarded by the Dutch Radio but apparently they never made it to the trash bin. Someone took them home and they were eventually discovered in a flea market by an astute collector. While this transfer is offered for download, a nicely processed commercial release is available through Tahra Records.

Tahra Website

Download: 1_Allegro_moderato.mp3
Download: 2_Scherzo.mp3
Download: 3_Adagio.mp3
Download: 4_Finale.mp3
Download: 5_Applause.mp3


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Eat This New York

Take a time machine back to Williamsburg, Brooklyn circa 2000, and you will find two friends struggling to open the beloved restaurant Moto underneath the elevated subway that runs along Broadway. Following these pioneers of the Brooklyn dining scene, Eat This New York shuttles back to Manhattan, where legends of the food world explain how they survived in the cut throat restaurant business.

"The directors know a great story, and more important, how to tell it." - Elvis Mitchell, The New York Times

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Benefits and Challenges of Using Dance Dance Revolution in Teaching: Pre-service Physical Education Teachers’ Perspectives

ID: 31762 Type: Brief Paper
  1. Tao Zhang and Lin Lin, University of North Texas, United States

Tuesday, March 8 5:15-5:35 PM Location: Hermitage A

No presider for this session.

Abstract: The use of exergaming in physical education is an area of increasing research interest. Pre-service teachers’ attitudes toward exergaming play a vital role in the implementation of the exergaming into their future teaching. The purpose of this qualitative study was to investigate the benefits and challenges of the exergaming, particularly Dance Dance Revolution (DDR), from pre-service teachers’ perspectives. Participants were 23 pre-service physical education teachers enrolled in a southern university. The participants indicated that DDR could improve players’ self-efficacy, social interaction, physical fitness, and academic achievement. Although fun and enjoyable, limited equipment and space were pointed out as major challenges of incorporating DDR in teaching. Sufficient budget and support from administrators and classroom teachers are needed to incorporate DDR in teaching.

Conference attendees are able to comment on papers, view the full text and slides, and attend live presentations. If you are an attendee, please login to get full access.


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Going off the Grid
SportsBusiness Journal – March 16, 2017 – Alex Silverman

“Going Off The Grid” is a weekly survey of sports execs and personalities offering their thoughts on a handful of pressing (and trivial) issues in sports and pop culture. This week, our panel sounds off on Oscar snubs, pitches their own “30 for 30” ideas and forecasts the NCAA Tournament. Continue reading

United Soccer League Sees Attendance Rise 33%
Forbes – October 22, 2016 – Darren Heitner

The sports sector has experienced impressive valuation growth in the last three or four years. What people may not know is the USL is setting the pace in terms of percentage growth with an amazing 111% compound annual growth rate in valuations over the last four years,” says Brent Lawrence, CEO of Accelerate Sports. “With team owners from major sports franchises such as the Indiana Pacers, San Antonio Spurs, Cincinnati Reds, and eleven MLS teams, the long-term future of the USL is even better.” Continue reading

Charlotte Independence looking for MLS investors
Charlotte Business Journal – October 11, 2016 – Erik Spanberg

Independence managing partner Jim McPhilliamy enlisted Accelerate Sports, a boutique sports investment bank based in Sacramento, to help find the deep pockets needed to pursue an MLS expansion team. Brent Lawrence, Accelerate founder and CEO, has advised Sacramento Republic FC, which, like Charlotte, is a member of the United Soccer League. Sacramento is expected to win an MLS team soon, powered in part by a fan following that has boosted the team to 45 sellouts in 47 home matches since 2014.The NBA Sacramento Kings and the NFL San Francisco 49ers became part of the Republic’s ownership in 2015. McPhilliamy and Lawrence are eyeing similar prospects in Charlotte. On Tuesday, Lawrence told me Charlotte boasts many of the attributes the MLS is looking for: a growing population of millennials; a good geographic location between existing franchises in Atlanta, Orlando and Washington; a top 25 TV market (Charlotte ranks 22nd in the U.S.); a history of major league sports; and a strong business sector. Continue reading

CSN Bay Area– November 28, 2016 – Andy Dolich, Advisory Board member of Accelerate Sports

In Northern California alone, the costs of new and planned stadiums for the 49ers, Earthquakes, Warriors, Kings, Raiders and A’s add up to $5.5 billion. The new stadium mega-city being built for the Los Angeles Rams will cost $2.6 billion and a planned stadium in Las Vegas for the Raiders is estimated to cost $1.9 billion. Many communities are telling billionaire owners that they will have to shoulder the majority of the cost of their new football homes. Continue reading

Oakland A’s must begin walking the talk
East Bay Times- November 21, 2016 – Andy Dolich

As long as MLB revenue sharing rolls on the A’s “Moneyball” model is generating increasing yearly profit for Fisher and greatly enhanced his franchise value from the original $180 million purchase price. He could sell in an hour for a bundle, maybe as much as a billion Continue reading

New attempt to keep Raiders in Oakland emerges
East Bay Times- October 26, 2016 – David DeBolt

Besides competing with Las Vegas, other obstacles exist in each city, according to Andy Dolich, a longtime sports executive, and Roger Noll, a professor emeritus of economics at Stanford. Both have closely followed the saga…Continue reading

Stanford Business Sports Innovation Conference – March 2016 – Panel Interview

There has been a flurry of investment activity into early stage ventures at the intersection of sports, media, and technology in recent years, with investors putting an estimated $1B into such companies in 2014 alone (TechCrunch, April 24, 2015). This panel seeks to understand why we have seen so much recent investment activity, to identify key trends behind successful sports investments, and to discuss major areas for growth and innovation in the near future…Mr. Lawrence is the lead negotiator and directs the business development efforts for Accelerate Sports…Continue reading

Accelerate Sports Names College Hoops Analyst Len Elmore To Advisory Board
SportsBusiness Journal – June 02, 2015 –  John Lombardo

Boutique sport investment bank Accelerate Sports has named veteran broadcaster LEN ELMORE to its advisory board. Elmore joins industry veteran ANDY DOLICH, former NASL Commissioner DAVID DOWNS and former Cisco Senior VP & GM DAVE HOLLAND as advisory board members. Continue reading

Len Elmore: A force inside
SportsBusiness Journal – March 9, 2015 – John Ourand

“Len brings these issues to the discussion before they’re on the radar of national leaders,” Perko said. “Len sees these issues and approaches them in a principled way.” Television producers at CBS and ESPN said they value Elmore for his strong opinions. This year, he will call his 17th NCAA tournament for CBS. Continue reading

Plugged In: Brent Lawrence, Accelerate Sports
SportsBusiness Journal – March 3, 2014 – Christopher Botta

Team valuations in pro sportsWe had the worst economic crisis in the modern era from 2008 to 2012, yet, on the average, franchise valuations continued to increase, although at lower rates than in prior years. Now that the economy is on a positive upswing, more people have disposable income to spend on entertainment, so the television rights deals continue to grow hand in hand with team valuations. There’s essentially inelastic demand for teams, and that’s not going to change in our lifetimes. Continue reading

What we miss when we’re constantly looking down, not up
SportsBusiness Journal- June 23, 2014 – Andy Dolich

Why would you want to buy a pricey ticket to sit behind home plate when MLB.com offers access to every one of its 2,430 regular-season games for $130. We now have NFL RedZone, NHL Center Ice, NBA Game Time and MLS Live. Looking down is becoming much more compelling. Look up and you may miss something. Everyone with a phone is now their own sports channel. Continue reading

Catching up with David Downs — bonus conversation
SportsBusiness Journal- January 15, 2014- Abe Madkour, SBJ executive editor

When it comes to MLS, he says, “They have done a great job and I think the sport is here to stay in a big, big way. No longer can the MLS use the excuse that Americans aren’t interested in soccer. It’s just a matter of where they fit in this global sport. Continue reading


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Click to
Tap Into the
Largest Database of Accredited Investors

» Accredited Investor Guidelines

Accredited Investor Leads Banner

The SEC released an Investor Bulletin on Accredited Investors describing what it means to be one and the risk involved.  For companies raising money through private offerings accredited investors are extremely important.  They are the investor data base from which you can raise capital.  Reg D does allow for some non-accredited investors to participate in a private offering but a company then has to give additional disclosures.  When the disclosure requirements go up the process becomes more expensive for the company raising money.  With this in mind it is easier and recommended to only work with accredited investors.

Who is an Accredited Investor?

The SEC considers an individual or couple to be an Accredited Investor if they meet the following:

  • The investor needs to earn $200,000 a year or $300,000 a year for a couple OR
  • Has a net worth of over $1 million alone or with their spouse.  The net worth threshold can not include a primary residence.

Can someone be accredited if they just started earning $200,000 a year?

No, the SEC requires the investor to have earned that much money for the previous two years and to expect to make that much in the current year.  In other words someone that has gotten a new raise or just graduated from medical school would not be considered accredited until they had a consistent pattern of earning that much money.

What most people don’t realize is that the SEC has an unknown requirement on the income calculation.  In this scenario an investor would not qualify:

Year One: An investor made $125,000 and his spouse made $175,000 to equal the $300,000 threshold.

Year Two: The investor made $200,000 and his wife made nothing.

Year Three: The investor made $150,000 and his wife made $150,000.

Even though the couple met the income requirements for all three years the SEC would not consider them to be accredited because they used joint income for years one and three and individual income for year two.  It needs to be one or the other consistently in order to be an Accredited Investor.

Who else can be an Accredited Investor?

Banks, partnerships, corporations, nonprofits and trusts can be accredited investors under SEC guidelines.  Their guidelines state the following:

  • any trust, with total assets in excess of $5 million, not formed to specifically purchase the subject securities, whose purchase is directed by a sophisticated person, or
  • any entity in which all of the equity owners are accredited investors.

How do I calculate net worth?

Your net worth is your assets minus liabilities.  On a peace of paper or spreadsheet list the following:

  • Cash in bank accounts
  • CD’s
  • Stocks and bonds
  • Retirement accounts
  • Car
  • Any additional property or accounts

Add all of these items together than list…

  • Car loan
  • Credit card debt
  • Student loans
  • Any other misc. debt other than your primary residence

Your total assets minus your total liabilities is your net worth.  Your primary residence can no longer be calculated into your net worth so the only reason it would be listed is if you owe more on your home than it is worth.  In that case it would go on the debt column.

Can I take money from investors that were accredited and now aren’t because of the mortgage rule?

People that were accredited prior to removing the value of their primary residence can invest in things that they are already invested in prior to the rule changing on July 20, 2010.  These investments are grandfathered in. Otherwise non-accredited investors can participate in crowdfunding.

For more information please visit our mother site at

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Acne rosacea

Acne rosacea is an acne form that causes persistent redness over the face and nose, forehead, the chin and the lower half of the nose. The tiny blood vessels in these areas often enlarge and become more visible through the skin, or appear like tiny red lines.

Unlike common acne, acne rosacea is not mainly a plague of teenagers, usually occurs in adults (30 to 50 years of age). Fair-skinned people are more often affected. It strikes both sexes.

It tends to be more frequent in women but more severe in men. Its most persistent feature is a bright red flush. It is a chronic disorder that often affects the eye.

Use of hot liquids, sun and/or wind exposure, spicy foods, extreme temperatures, alcohol, stress, and prescription topical steroids can make this condition worse.

Presence of Helicobacter pylori (bacteria) is often associated with Acne rosacea and elimination of this bacterium with appropriate therapy usually improves the condition.

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Treatment of Acne

There are two aspects of the treatment, the first is the medical drug treatment and the second is the skincare suggested by an experienced cosmetologist.

Medical Treatment
Medical treatment is suggested only in cases of chronic or severe acne and should be taken from the dermatologist.

To outline the drug treatment, it aims chiefly to:

  • Cut down the bacteria in the hair follicles and on the skin surface.
  • Open the hair follicles by removal of the blackheads.
  • Cut down the acne inflammations.

The treatment is rendered by the drugs that can be applied on the acne spots (locally) and those which can be consumed orally.

Local Drug Treatments
The local drug preparations are made of an active chemical compound (drug) and a vehicle or medium compound in which the drug is dissolved.

In recent years, Benzoyl Peroxide preparations available as gels and lotions have become very popular in the treatment of acne. Cream “Ultra Clearasil” is a very potent Benzoyl preparation. One of the main action points of Benzoyl Peroxide is to kill bacteria. It releases oxygen which helps in killing anaerobic bacteria.

Usually, one daily application is sufficient, but two may be recommended in case of stubborn acne. The acne condition improves in two to three weeks of continual application.

The Benzoyl Peroxide can have one side-effect-it can excessively dry up the skin. Some women can be allergic to Benzoyl Peroxide. Which is why this drug treatment needs a careful administration.

The sulphur drug preparations, available as creams, gels and lotions, are extremely effective in treating acne. Like Benzoyl Peroxide, sulphur is committed to killing bacteria. Sulphur is a disinfectant and used in skin treatments for eczema, etc.

In treating acne, sulphur drug preparations work in other ways too. It loosens and dislodges the blackheads from skin pores by causing the skin to peel. The skin condition begins to improve within two to three weeks. There are no major side-effects. However, it is good to test whether the patient is allergic to sulphur or not. The Eskamel cream available in the market is a very potent sulphur drug preparation for acne.

Tetracycline usually has no side-effects and hence is the safest drug. However, in some uncommon cases, it causes biliousness, indigestion, vaginal thrush or rash. A precaution: tetracyclines are not recommended during pregnancies.

Note: Keep out of the sun when taking tetracycline-it causes photo-sensitivity. The other antibiotics which are prescribed in place of tetracyclines are erythromycin and ampicillin. Another precaution: if you are allergic to penicillin, ampicillin should not be used at all.

Daily Skin Care
Be most conscientious in following your daily skin care routine. There must be no skipping of any step until the condition is corrected.

In the Morning
Wash your hands thoroughly, moisten your face with warm or running water, and wash with a medicated or antiseptic soap (don’t use a washcloth-it can shelter the very bacteria that must be stamped out). Choose a light liquid cleanser with ingredients that inhibit the growth of blemish-causing bacteria. Rinse thoroughly with clear running water. Pat dry with a clean soft towel.

Saturate a cotton pad with an astringent, medicated lotion and gently press over the entire face or rinse with cool water to which a few drops of Tr. Benzoin have been added. This will freshen, reduce excess oiliness and refine the texture of the skin.

Apply a medicated cream on all pimples. One that is grease-less and skin-tinted will not be obvious on the skin. This will work to dry and heal the pimples. Apply Calamine to which a drop of clove oil and mint oil has been added on all pimples.

Repeat the morning treatment if possible. Otherwise “quick clean” with the astringent medicated lotion and reapply the medicated cream on blemishes.

Repeat the morning treatment. Sometimes there may be some dry areas such as on the throat, under the eyes, sides of the face. Use an appropriate moisturizing or lubricating preparation. Never apply an emollient cream to any blemished area.

Twice Weekly
Deep-cleanse with a friction-wash to control blackheads and keep the pores free from clogging of excess oil. Wet the face with warm water. Pour about a teaspoonful of cleansing granules into the palm of one hand, add just enough water to work into a creamy foam. Apply to the face with finger tips, concentrate on blackheads and areas of excessive oiliness. Massage gently for a few seconds and rinse thoroughly. Oiliness and blackheads can pose a problem on shoulders and back too. Use the cleansing granules to friction-wash this area when you are in the shower and apply a healing medicated cream to any eruptions before dressing.

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3 thoughts on “Treatment of Acne

    1. Sarah Nelson Post author

      Links to the products are added. You can now purchase them from Amazon.

  1. penny scannel

    Hi I live in durban SA I have tride all over to get the Eskamal Orentment I used as a child I am 55 I bought my son a tube 3 years ago the tube is down to the last and we can not fine and am told don’t make why this really works please please

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3 Plumbing Contractors found in Burlington, WA

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US Increases Trade Tariffs Against China – Markets, Gold, and Silver

US Increases Trade Tariffs Against China – Markets, Gold, and Silver

Today, the US increased tariffs on $200B of Chinese goods as the US/China trade deal breaks down.  China has vowed to retaliate for the move.  The past week has seen the global markets shocked by two items: Iran sanctions and US/China trade breakdown.  The markets had been expecting a US/China trade deal to be reached and optimism was quite high – hence the rally in the Chinese stock market and the rally in the US stock market.  What next?

Well, we believe this news, as well as future news that will likely hit the markets over the next 3+ months, will continue to prompt the Shake-Out we have been warning about.  Depending on how severe these news events are, the rotation in the markets could be quite severe as well.

Our recent analysis suggests that recent lows in the US stock market may be near-term support and that the US stock market may attempt to form a bottom near these lows.  Our research shows the Transportation Index is leading this move.  We believe the ORANGE Moving Average level, as well as the RED and GREY Fibonacci projection points, will act as a temporary price floor this week and next.  The YM could move lower by 100 to 200 points today, retesting these low levels, before recovering near the end of the day.

Gold is showing signs of a potential upside price leg in the early stages, just as we had been suggesting.  Our April 21~24 momentum base call from months ago appears to be incredibly accurate.  At this point, we are just waiting for the upside price swing to begin.  When it starts, the momentum behind this upside move will increase as it will catch the attention of many gold traders and solidify the “fear” aspect of this move.

Silver is still lagging behind Gold – as usual.  We continue to believe the real opportunity for a great trade lies in Silver.  The potential for a $22 o ~$28 upside price swing on a market breakdown or fear play is still very solid.  Headed into the 2020 US election cycle and with all the uncertainty in the global markets, we believe this is the “sleeper trade” of the next 16+ months.  When Gold begins to breakout to the upside, Silver should follow about 20 days later.

These new US trade tariffs puts pressure on China to come to the table and develop and honest deal.  This is not the old way of slow negotiations with no real consequences.  For China, the lack of access to the US market could be devastating in both the short and long run.  Skilled traders should not be overly optimistic throughout this weekend.  Protect your longs and prepare for more news over the next few weeks.  This is the type of market that will make or break many traders.

On May 1st we talked about the old saying goes, “Sell in May and Go Away!” and that is excactly what is happening now right on queue. In fact, we closed out our SDS position on Thursday for a quick 3.9% profit and our other new trade started Thursday is up 18% already.

Second, my birthday is only a few days away and I think its time I open the doors for a once a year opportunity for everyone to get a gift that could have some considerable value in the future.

Right now I am going to give away and shipping out silver rounds to anyone who buys a 1-year, or 2-year subscription to my Wealth Trading Newsletter. I only have 11 left as they are going fast so be sure to upgrade your membership to a longer-term subscription or if you are new, join one of these two plans, and you will receive:

1-Year Subscription Gets One 1oz Silver Round FREE
(Could be worth hundreds of dollars)

2-Year Subscription Gets TWO 1oz Silver Rounds FREE
(Could be worth a lot in the future)

I only have 13 more silver rounds I’m giving away
so upgrade or join now before its too late!

Happy May Everyone!

Chris Vermeulen


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Trusted by 10,000+ Scientists since 2006

Demeclocycline HCl

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Catalog No. A14254

Availability:Stock in USAIn stock

Product Name Catalog No. Price Qty
Demeclocycline HCl 200mg A14254-200
Demeclocycline HCl 500mg A14254-500
Demeclocycline HCl 10mM * 1mL in DMSO A14254-10mM-D

Products are for laboratory research use only. Not for human use. We do not sell to patients.

Quick Overview

Demeclocycline HCl is a tetracycline antibiotic via inhibition of protein synthesis by bacteria

Demeclocycline HCl

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Publications citing Adooq Products

Chemical Information

Catalog Num A14254
Actions No
M. Wt 501.31
Formula C21H21ClN2O8 .ClH
Solubility DMSO
Purity >98%
Storage at -20°C 3 years Powder
CAS No. 64-73-3
Synonyms N/A
SMILES CN(C)[[email protected]]1[[email protected]@H]2C[[email protected]@H]3[[email protected]@H](C4=C(C=CC(=C4C(=C3C(=O)[[email protected]@]2(C(=C(C1=O)C(=O)N)O)O)O)O)Cl)O.Cl

Biological Activity

Demeclocycline HCl is a tetracycline antibiotic via inhibition of protein synthesis by bacteria

Solubility (25°C)* In vitro DMSO 100 mg/mL (199.47 mM)
Water 26 mg/mL (51.86 mM)
Ethanol <1 mg/mL (<1 mM)
* <1 mg/ml means slightly soluble or insoluble.
* Please note that Adooq tests the solubility of all compounds in-house, and the actual solubility may differ slightly from published values. This is normal and is due to slight batch-to-batch variations.

Preparing Stock Solutions

Concentration / Solvent Volume / Mass 1 mg 5 mg 10 mg
0.1 mM 19.95 mL 99.74 mL 199.48mL
0.5 mM 3.99 mL 19.95 mL 39.9 mL
1 mM 1.99 mL 9.97 mL 19.95 mL
5 mM 0.4 mL 1.99 mL 3.99 mL

*The above data is based on the productmolecular weight 501.31. Batch specific molecular weights may vary from batch to batch due to solvent of hydration, which will affect the solvent volumes required to prepare stock solutions.

Ordering online

To place an order online, simply browse to the product you are interested in and click on the 'Add to Cart' button. To complete this process, you will need to confirm the size and quantity of the products that you require.

To complete an order you will need to register using our simple online registration process. We do not share your contact details with any third parties.

When you are ready to check out simply enter your PO number to complete the ordering process. Please ensure that you send us a copy of your PO by fax or email afterwards.  We will then liaise with you or your purchasing department to confirm the order.

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Why not use our WishList feature to store lists of products? This convenient feature allows you to manage lists, append notes to products and share lists with co-workers or colleagues.

Ordering offline

You can email or fax us your purchase order and we will place the order for you. You can also phone us to place the order.  Our contact details are:

We require the following information to process your order:
  • The catalog number for each product.
  • Your email address or fax number.
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Keywords:buy Demeclocycline HCl | Demeclocycline HCl Supplier | purchase Demeclocycline HCl | Demeclocycline HCl cost | Demeclocycline HCl manufacturer | order Demeclocycline HCl | Demeclocycline HCl distributor | buy 64-73-3| 64-73-3 Supplier | purchase 64-73-3 | 64-73-3 cost | 64-73-3 manufacturer | order 64-73-3 | 64-73-3 distributor


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Home Healthcare Omeprazole Market: Managing Acidity | Favorable Pricing Policies To Bolster The Market Growth
Omeprazole Market: Managing Acidity | Favorable Pricing Policies To Bolster The Market Growth

Omeprazole Market: Managing Acidity | Favorable Pricing Policies To Bolster The Market Growth

Omeprazole is a commonly prescribed proton pump inhibitor (PPI) to reduce acidity. The drug is approved by the regulatory agencies for the treatment of heartburn and other symptoms associated with gastroesophageal reflux disease (GERD). Omeprazole is also used to promote healing of erosive esophagitis (esophageal damage caused by stomach acid).

Omeprazole is used in combination with antibiotics such as amoxicillin and clarithromycin for treating ulcers caused by the H. pylori bacteria.

Get Access on Research Analysis and Growth Strategy

The global omeprazole market size was valued at US$ 2,668.4 million in 2017, and is expected to exhibit a CAGR of 5.2% over the forecast period (2018 – 2026).

Figure 1. Global Omeprazole Market Share (%), by Region, 2017

Increasing prevalence of peptic ulcers is expected to propel omeprazole market growth

Increasing prevalence of duodenal ulcers is expected to propel growth of the omeprazole market. According to a survey by Virtual Medical Center, 2016, peptic ulcer is the most common disease occurring in about 10-15% of the global population at a time. It is common in men and more common in elderly people. The survey further stated that duodenal ulcers are four times more common than gastric ulcers.

Also, increasing awareness activities for the treatment of gastrointestinal disorders by various organizations is a major factor bolstering market growth. For instance, the International Foundation for Functional Gastrointestinal Disorders (IFFGD), a nonprofit education and research organization helps to improve the life of people affected by chronic digestive conditions. IFFGD enhances awareness, supports research, for treating gastrointestinal disorders and educate individuals.

Positive outcomes of omeprazole in the clinical trials in H.pylori eradication therapy is expected to propel the demand for omeprazole over the forecast period. For instance, in December 2018, RedHill Biopharma announced the Phase 3 results of Talicia capsule combining antibiotics and proton pump inhibitor omeprazole, intended for the treatment of Helicobacter pylori infection.

Figure 2. Global Omeprazole Market Share (%), by Dosage Form, 2018 and 2026

Grab Your Report at an Impressive Discount @ https://www.coherentmarketinsights.com/insight/request-discount/2380

Increasing prevalence of H.pylori associated infection and favorable pricing policies to bolster the market growth

North America is expected to hold a dominant position in the global omeprazole market. This is owing to increasing number of people affected by H.pylori infection, which in turn is expected to increase the risk of gastric and duodenal ulcers. According to the National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK), Health Information Center, 2014, about 30 to 40 percent of people in the U.S. suffer from the H. pylori infection, thus increasing the risk of duodenal and gastric development.

Furthermore, attractive discount programs offered by various online portals to provide a cost-effective option for the prescription product is expected to drive market growth. For instance, SingleCare, an online service for prescriptions, partners with the major pharmacies in the U.S. help patients to save around 80% off on prescription cost, thus providing access to affordable treatment. Also, generic omeprazole is covered by most Medicare and insurance plans.

Key Players

Major players operating in the global omeprazole market include, Astrazeneca Plc., Sandoz, Inc., Mylan N.V., Apotex, Inc., Dr. Reddy’s Laboratories, Inc., Impax Laboratories, Inc., Perrigo Company Plc, Santarus, Inc., Watson laboratories, Inc., and Lek Pharmaceuticals d.d.

Moreover, the players are focused on providing customers with high quality and value alternatives for treating gastric diseases. In 2015, Aurobindo Pharma Limited received the U.S. Food & Drug Administration approval to manufacture and market omeprazole delayed-release capsules. The drug is therapeutically equivalent to the reference listed drug product (RLD) Prilosec of AstraZeneca Pharmaceuticals.

Get Complete Access of This Business Report: https://www.coherentmarketinsights.com/market-insight/omeprazole-market-2380

About Coherent Market Insights:

Coherent Market Insights is a prominent market research and consulting firm offering action-ready syndicated research reports, custom market analysis, consulting services, and competitive analysis through various recommendations related to emerging market trends, technologies, and potential absolute dollar opportunity.

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Corbett Lighting - 102-46 - Olivia 8Lt Pendant

Corbett Lighting

Price: $4,593.00

Call for availability

Questions about Corbett Lighting - 102-46
The plumbing showroom professionals at Advance Plumbing and Heating Supply Company are available to assist you with your selection of Corbett Lighting products.

Locations for Zip Code: 20146  [change]

  150 Parsons Street
Detroit, MI, 48201
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  1977 E. West Maple Road
Walled Lake, MI, 48390
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Corbett Lighting - 102-46

Olivia 8Lt Pendant

Finish: Polished Nickel
Collection: Olivia
UPC: 782042971653
Online Product ID: 539127
Light Source: E12 Candelabra Base
Shade Finish: Hardback Linen Shade
Height: 36.5"
Chain: 72
Diameter: 23.25"
Weight: 54 lbs.
Designer: Corbett
Mounting: Ceiling Mount
Bulbs: 8
Max Watts: 60
Material: Solid Brass
Voltage: 120v
Warranty: 1 Year Limited Manufacturer
Listing: UL
Location: Dry
Canopy Length: 6''
Bulb Base: Candelabra
Shade Diffuser Material: Fabric Shade
Shade Height: 8
Stem Rod: CHAIN
Style: Transitional Essentials, Luxe Elegance
Shipping: L:14"x W:14"x H:40" 53 lbs.

  • Hardback Linen Shade
  • Chain Hung

Professional delivery is available for every product we sell. We would be happy to coordinate delivery for you!

102-46 - Corbett Lighting

Advance Plumbing and Heating Supply Company is proud to present this polished nickel finished drum pendant, by Corbett Lighting. The 102-46 is made from premium materials, this Drum Pendant offers great function and value for your home. This fixture is part of Corbett Lighting's decorative Olivia Collection, so make sure to check out other styles of fixtures to accessorize your room.

For more than 40 years. Corbett Lighting has created and manufactured beautiful lighting for residential, hospitality and commercial/contract markets. Corbett Lighting's superb craftsmanship and revered aesthetic principles create light fixtures that ultimately define the sophisticated rooms they grace. From bias cut crystals to delicate handmade Japanese paper, Corbett Lighting uses only the most stylized and unique materials. Corbett Lighting's tenacious manufacturing standards and commitment to superior design consistently produce breathtaking and singular pieces, making Corbett Lighting the leader in high-quality lighting.

Corbett Lighting Warranty

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Tyler Martin got a hole-in-one on June 12 on Hole No. 3 while playing at Gunter’s Landing.

He was playing from the blue tees and used a 9-iron on the 168 yard shot.

It was Tyler’s 2nd career hole in one. His first one was made on the very same hole.

This one was witnessed by Jake Bice.

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Air Force Photos

Lt. Cols. Duane Boyle, William Poulson and Tech. Sgt. Amanda Galles assigned to the Air National Guard’s 185th Air Refueling Wing perform preflight checks on a KC-135 Stratotanker in Sioux City, Iowa, March 6, 2019. (U.S. Air National Guard photo by Tech. Sgt. Daniel Ter Haar)

Download Image: Full Size (1.23 MB)
Photo by: Tech. Sgt. Daniel Ter Haar |  VIRIN: 190306-Z-VK221-922.JPG


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E-commerce generated revenue of $ 16.5 billion in 2017 on the African continent, according to a report by research firm Statista. She says that within five years, the business should reach a turnover of $ 29 billion. And even 75 billion dollars by 2025, according to McKinsey … However, for these beautiful growth forecasts to be realized, some obstacles must be removed.

From your mobile, tablet or PC in the bus, at the office or at home, buying goods and services with a simple click gradually enters the habits of consumers in Africa. With the improvement of Internet connectivity, many e-commerce platforms have sprung up across the continent. Today, the market is disputed by various companies including Jumia, Konga, Zando or Mall for Africa.

L’app de Zando.

In its 2017 report, “Afri-Shopping: Exploring the African E-commerce Start-up Ecosystem,” the research firm Disrupt Africa counted 264 companies engaged in e-commerce activities in 23 African markets, in various sub-sectors such as as food, capital goods, clothing, taxi services and travel. The report presented Kenya, Nigeria and South Africa as the main poles of activity on the continent.

According to a report by research firm Statista, e-commerce in Africa generated revenues of US $ 16.5 billion in 2017. By 2022, revenue generated by the sector is expected to reach US $ 29 billion. For McKinsey, in its study entitled “Lions Go Digital: The Internet’s Transformative Potential in Africa”, e-commerce, which holds great promise, could capture 10% of retail sales in Africa’s largest economies by 2025 In financial terms, this translates into nearly $ 75 billion in annual online sales.

E-commerce is very promising and could capture 10% of retail sales in Africa’s largest economies by 2025. In financial terms, this translates into nearly $ 75 billion in annual online sales.

It is these thriving prospects, signs of great business opportunities, that justify the great interest that Alibaba Group has been showing in Africa for several months. The Chinese company specializing in e-commerce prospects across the continent for the installation of its African branch.

Jack Ma, fondateur d’Alibaba, à la rencontre du Ghana.

On the eve of the opening of the Beijing summit on Sino-African cooperation, held from 03 to 04 September 2018, Song Juntao, Alibaba’s Electronic World Trade Platform (eWTP) project manager, justified the development of the group’s activities on the continent by the search for mutual benefits. He emphasized that the group sees its development through the formation of innovative talents in the digital economy, support for African companies in promoting their products in the international market and sharing of inclusive technologies with small businesses and youth.
However, all these good growth prospects in e-commerce in Africa may not materialize if some obstacles are not removed. According to Disrupt Africa, less than 30% of e-commerce companies are now profitable in Africa.

According to Disrupt Africa, less than 30% of e-commerce companies are now profitable in Africa.

If the research firm points out the lack of funding, it must be said that those who have still been able to get into the market still face various problems, beyond the access to the Internet. improves over the years.

The low rate of banking

In Africa, the majority of e-commerce platforms still require the use of bank cards or electronic solutions such as Paypal to make a payment. On a continent where the rate of banking is still below 10% and financial inclusion, excluding mobile, is very low, this situation restricts the volume of consumers who can buy online. Conscious of this reality, which has negatively influenced the activities of the pioneers, the new promoters of online sales platforms have decided to take the problem from another angle by integrating Mobile Money into their means of settlement.

En Afrique, le paiement mobile est largement plus développé que la banque

This idea, Marc Wabi, managing partner of the office Deloitte Côte d’Ivoire considered it more adapted. In 2015, at the 11th edition of the Africa Telecom People International ICT Fair, held in Abidjan, one of the most important topics was e-commerce in Africa, he argued that “there are adaptations to to do with sociological, technical and technological questions. The main problem is the method of payment (…) The reflections must be moving towards mobile payment. With a phone, you can find a person. Without mobile payment, I do not see how African e-commerce will develop. ” In Africa, mobile payment is much more developed than the bank.
“The reflections must be moving towards mobile payment. With a phone, you can find a person. Without mobile payment, I do not see how African e-commerce will develop. ”

The service, which reaches even the smallest stock exchanges, accounted for 338.4 million accounts for 1.2 billion financial transactions in 2017, according to the World Association of Telephone Operators (GSMA). The value of these transactions was US $ 19.9 billion. By 2022, these figures should double or even triple with the improvement of the mobile market, very dynamic on the continent.

To the payment dematerialized, some e-commerce sites, faced with the lack of confidence of the consumers, also opted for cash payment on delivery (Cash Delivery). But beyond the payment method for an online purchase, the e-commerce platforms in Africa suffer mainly from the low level of physical addressing of many African cities.

The absence of physical addressing

In Africa, public street addressing in many cities becomes more approximate as one moves away from the city center. In these conditions, e-commerce companies are struggling to efficiently deliver orders from customers who give a benchmark that delivery drivers do not always know. Delivery costs are also inflated by long trips to find the exact place of delivery, and the cost of telephone to contact the customer once arrived at their destination.

L’absence d’adressage en Afrique augmente les coûts de livraison.

Faced with the difficulty encountered in the deliveries – because of a lack of address of domicile – some Posts decided to take advantage of the business opportunity which the e-commerce raises in the routing of parcels bought on line have adopted a solution as practical as the GPS. This is the case of the Nigerian Post Office (NIPOST) which innovated with the global addressing system what3words. This addressing technology divides the world into 57,000 billion 3m x 3m squares and gives everyone a unique 3 word address. In 2017, Nigeria was already the seventh country in the world (Mongolia, Saint Martin, Ivory Coast, Djibouti, Tonga and Solomon Islands) and the third in Africa to adopt this solution.

This addressing technology divides the world into 57,000 billion 3m x 3m squares and gives everyone a unique 3 word address.

Happy with this advancement made possible by technology, Bisi Adegbuyi, Nipost’s Managing Director, explained that “better addressing is essential in NIPOST’s strategy of transforming, innovating and delivering more services at the same time. many across the country. ”

Secure the market

Electronic commerce also involves personal data. You must provide your bank details when you pay by card. The merchant is also aware of the identity of the customers during transactions by Mobile Money. In addition, in case of delivery, consumers reveal information about their place of residence. In Africa, where the protection of personal data still leaves much to be desired, e-commerce is struggling to win the trust of consumers who fear the fate that will be reserved for their personal data. Several countries have adopted e-commerce laws, but their strict application is not always effective. In addition to the fear of the management of private data, there is the fear of being cheated on the goods and of having no recourse option to assert his rights.

At the African Union’s e-commerce conference, held in Nairobi, Kenya, from 23 to 25 July 2018, UNCTAD called on African states to develop regulations that will stimulate growth in this market segment . According to Secretary-General Mukhisa Kituyi, “Africa needs to develop laws that enhance the integrity of e-commerce purchases so that consumers can trust e-commerce platforms.” He stressed that the continent’s authorities must have adequate regulation to protect consumers who order goods electronically. For him, Africa must have rules that would ensure the obligation for e-commerce companies to deliver the goods paid for by consumers, as they promised. He added that states should also put in place an online dispute resolution mechanism so that contracts can be honored by all parties involved, including cross-border cases.

Despite the number of obstacles still facing the e-commerce segment in Africa, it must be stressed that it also has economic opportunities for countries and their youth.

E-commerce, its primary function is to make life easier for consumers when they do their shopping or window shopping. Thanks to ICTs, no need to move. A boon for consumers. But also for African small and medium-sized enterprises, artisans and other professionals. E-commerce gives them an opportunity to make their products known to a greater number of people locally and even internationally. This is an opportunity to promote and export its know-how, to expand its market.

Une plateforme de distribution de Konga.

In 2013, Arancha González, Executive Director of the International Trade Center (ITC), in a working session on e-commerce development for trade development in the African, Caribbean and Pacific States. had stated that “e-commerce is a huge tool for the accelerated development of SMEs. Beyond local markets, national markets and even regional markets, it places an SME in the global market “. With e-commerce, Africa would no longer be limited in international trade to its raw materials and cash crops. Several sectors with high potential, such as clothing, catering, furniture or cultural production, could take advantage of this window to the world to seduce and generate millions of jobs for African youth.

Agence Ecofin

About The Author

CEO AfrikaTech

Comme beaucoup de personnes j’ai connu l’Afrique à travers des stéréotypes : l’Afrique est pauvre, il y a la guerre, famine… Je suis devenu entrepreneur pour briser ces clichés et participer à la construction du continent. J’ai lancé plusieurs entreprises dont Kareea (Formation et développement web), Tutorys (Plate-forme de e-learning), AfrikanFunding (Plate-forme de crowdfunding). Après un échec sur ma startup Tutorys, à cause d’une mauvaise exécution Business, un manque de réseau, pas de mentor, je suis parti 6 mois en immersion dans l’écosystème Tech au Sénégal. J’ai rencontré de nombreux entrepreneurs passionnés, talentueux et déterminés. A mon retour sur Paris je décide de raconter leur histoire en créant le média AfrikaTech. L'objectif est de soutenir les entrepreneurs qui se battent quotidiennement en Afrique en leur offrant la visibilité, les connaissances, le réseautage et les capitaux nécessaires pour réussir. L'Afrique de demain se construit aujourd'hui ensemble. Rejoignez-nous ! LinkedIn: https://www.linkedin.com/in/boubacardiallo

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credit scores for buying a house

Can a credit union force car insurance on an auto loan after financing has already been established? – im trying to find a loan shark in st.louis mo i can repay double I have credit score of 740 is that good? I am thinking of buying a house “”Whos the guy ON DRUMS”””” from the.

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Hemel Hempstead Scores Tenth Place Best Commuter Hotspots – more buy-to-let landlords are now looking beyond the confines of London when investing in property. To help landlords decide where to invest, the top commuter towns for those working in the capital.

Knowing how your credit score affects the home buying process by those who are seeking a mortgage makes it imperative that one finds out her credit score early-on. Your FICO score plays an important part in the home buying process and in determining the interest rate that a lender offers.

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“Good Start,” But Long Road Ahead For Farm Bill

Farm Bill Senate ag committee
( mgnonline.com )

Earlier this week Secretary of Agriculture Sonny Perdue released USDA’s Farm Bill and Legislative Principles for this year. He outlined his priorities and said they were based on his travels around the country to meet farmers.

“The conversations we had and the people we came across helped us craft USDA’s Farm Bill and Legislative Principles for 2018,” Perdue says. “These principles will be used as a road map—they are our way of letting Congress know what we’ve heard from the hard-working men and women of American agriculture.”

He also committed to answering questions and providing counsel as Congress makes decisions regarding the Bill. Purdue provided a detailed list of what he wants to see happen with the Farm Bill. They fell into these larger categories (see full listing here):

  • Farm production and conservation
  • Trade and foreign agricultural affairs
  • Food, nutrition and consumer services
  • Marketing and regulatory programs
  • Food safety and inspection services
  • Research, education and economics
  • Rural development
  • Natural resources and environment
  • Management

“Agriculture Secretary Sonny Perdue today released his roadmap for the 2018 Farm Bill, and it is a good one for farmers,” says Zippy Duvall, president of the American Farm Bureau Federation (AFBF). “We are pleased the secretary and his team have highlighted not just the importance of risk management on the farm, but also rural development, research and development, trade, conservation and nutrition.”

While AFBF says it’s off to a good start, Jim Wiesmeyer, Pro Farmer Washington analyst, reminds farmers it’s not going to happen right away and there is still much to be negotiated.

“It could be April—no later than May to get it through the House and Senate is often three to four months later,” Wiesmeyer says. “The biggest issues many farmers [are concerned about] is getting cotton back into the Title 1 safety net, making the dairy program more effective since the 2014 Farm bill wasn’t and corn, soybeans and wheat programs need fixes in the ARC program, but those could be expensive.”

He says PLC programs need target prices to be higher, but again it comes back to funding. There is backing for expansion in the Conservation Reserve Program to raise it from 24 million acres to 32 million acres. To achieve this, new acres will likely receive lower rental payments—and if that happens Wiesmeyer thinks the CRP changes will occur.

“We’re going to see if politics come into play with the Farm Bill, I hope not,” Wiesmeyer says. “Some people think we’re not going to see it until after the November election.”


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USDA Announces No Penalty Free Early Out For CRP

00:00AM Jul 29, 2008

via a special arrangement with Informa Economics, Inc.

Officials say crops won't be hurt as much as expected

NOTE: This column is copyrighted material, therefore reproduction or retransmission is prohibited under U.S. copyright laws.

USDA today announced they will not allow penalty-free early out on Conservation Reserve Program (CRP) contracts at this time.

In making the announcement, USDA Secretary Ed Schafer said, "The indications, so far, are the impact on this year's corn and soybean crops will be less than what was originally feared."

As for whether this is the "final" word on this issue,
Schafer said that he wouldn't commit totally to that as conditions could change.

FSA Deputy Administrator for Farm Programs John Johnson detailed that in April of this year, CRP contract holders paid the penalty to extract 34,000 acres from the CRP and 37,000 in May.
"That's the high point we've seen," he noted. "Over the last 19 months, we have seen an average of over 15,000 acres per month" where the penalty for exiting those contracts early was paid. Over the 19 months, 288,726 acres have paid the penalties to exit CRP early, he detailed.

Schafer also pointed out acreage was going to be exiting the program already via regular maturities.  USDA data shows contracts 1.15 million acres of CRP ground will mature as of Sept. 30, 2008, and 3.855 million will mature on Sept. 30, 2009. Of those maturing as of Sept. 30, 2008, USDA data shows 134,954 acres are in North Dakota, 134,024 acres are in Iowa and 123,353 acres are in South Dakota. No other states have more than 100,000 acres maturing this September.

As for the 2009 maturities, Texas leads with 776,086 acres, followed by Colorado at 717,347; Kansas with 429,411; North Dakota at 236,857; South Dakota at 235,663; Montana at 184,834; Oklahoma at 160,859; Nebraska at 153,744; Iowa at 113,090 and Washington at 110,252 acres.

In addition, Schafer noted the acreage cap in the CRP was lowered in the 2008 Farm Bill and therefore USDA was not contemplating holding any new general CRP signups at this time.

Asked about the coming increase in the Renewable Fuels Standard to 10.5 billion gallons of corn-based ethanol for 2009, versus the 9 billion gallons for 2008, Schafer said a lot of people commented on this on "both sides of the equation." He noted acres continue to come out of the CRP, so "we are trying to understand everyone's concerns."

Comments: This no-go decision could come back to haunt USDA and the business of agriculture for a host of reasons, including (1) the coming big boost in the RFS mandate for corn in 2009, (2) the coming mandate for biodiesel, (3) the need for some feed price relief for livestock producers, and (4) the potential impact on food prices. This decision would explode on the Bush administration if there is an early frost in the Midwest this year, or if there are any other major weather-related problems.

I have confirmed several times that USDA was pressured not to allow early out -- even if some in the Ag Department wanted to do so. Those top level Bush administration officials included Vice President Dick Cheney, Office of Management and Budget (OMB) Director Jim Nussle, and the Council of Environmental Quality (CEQ).

I have also been told that in CRP meetings, Schafer would frequently ask, "What will be the impact on wheat producers?" Schafer was the former governor of North Dakota. Hmm.

And although USDA's Schafer and Conner told me last Friday that last week's court decision against USDA's handling of the Critical Feed Use (CFU) program would not have any impact on the decision on early out for CRP acres, other sources tell me otherwise.

A former USDA analyst told me, "I was surprised given how high prices have been and still are, and the difficulties facing livestock, dairy and poultry producers, and the highest food price inflation in 18 years, that USDA would have decided not to allow more land to come back into production to help with these issues. In addition, the increasing mandates under the RFS mean more land will be needed for both corn and soybeans And, this is not just a one-year decision, as the RFS mandates continue higher. This is a long-term decision to try to help meet the expected demand, to keep commodity prices in general at more reasonable levels. I would be interested to see the analysis USDA did over the next three to five years to see the impact of today's decision. USDA obviously feels that $7 corn and $14 soybeans and $8-$9 wheat is not something that needs to be addressed, and the implications they have on food prices. What is clear today is that USDA does not feel the other stakeholders in this decision are important enough to warrant change."

Another analyst asked, "What would it actually take, in terms of prices, in terms of supply, in terms of demand, in terms of food price inflation, and losses in livestock enterprises... what would it take for this administration to offer early out? When Schafer said no early out at this time, again I ask: What would it take for the Bush administration to alter their no-go decision?"

Bottom line: This makes the Environmental Protection Agency's (EPA) coming decision on the RFS mandate waiver even more important because any EPA modification in the RFS mandate would have more impact short-term than would have been the case even if USDA decided on early out on CRP acres -- a reduced mandate means reduced need for additional corn acres and would help blunt what some believe is a USDA policy miscue today.

NOTE: This column is copyrighted material, therefore reproduction or retransmission is prohibited under U.S. copyright laws.


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WCB Alberta Review: top 10 recommendations you should care about

Posted On   by AHSA

The Workers’ Compensation Board (WCB) Review Panel report released on July 6, 2017 contained sixty (60) separate recommendations for changes to WCB service culture, their approach to worker health and wellness, support of return to work, provision of benefits, sustainability of the system, reviews and appeals, and injury and illness prevention supports.  The recommendations appear to have been well considered and thoughtfully presented, and the report provides the Panel’s rationale for many of the recommendations being provided.  Though my original intent had been to provide a summary of the proposed changes, the breadth of the report would be hard to condense into a few short paragraphs.  Instead (in no specific order), I offer the reader the top 10 recommendations I believe will be of interest to the industry.

Recommendation 13

There was some concern that the WCB in Alberta would follow the example of Saskatchewan in expanding presumptive coverage for Post-Traumatic Stress related claims to include occupations other than first responders.  Employers may be surprised (and relieved) that the report does not recommend “expanding Alberta’s presumptions beyond those presently in place.” Instead, the Panel limited itself to requesting an amendment to the definition of “first responder” in the Workers’ Compensation Act so that it includes correctional officers and emergency dispatchers.

Recommendation 45

One of the more contentious decisions of the WCB this spring was to hold back payment of surplus moneys from their Accident Fund until the publication of the Review Panel’s report.  In the past, when the fund had exceeded its target thresholds due to better than expected investment returns, the surplus has been distributed to employers.  The Panel has recommended putting an end to this practice, explaining that this money does not represent overpayment by employers. They assert that any surplus investment income should be used “for the benefit of workers and employers to support a sustainable workers’ compensation system.” The Panel recommends that a new policy for use of any excess money be established, and that the money from 2016 be used to offset any increases to employer assessments that might be caused by other recommendations in the report.

Recommendation 10

Questions about WCB staff incentive/bonus programs were addressed earlier this year by the Board itself, likely in anticipation of a recommendation abolishing their use. The Review Panel did not disappoint. While the report acknowledged the difficulty of substantiating concerns that staff bonus programs were influencing how claims are managed, it formally recommended the prohibition of “performance pay, pay-at-risk, [and] bonuses…that tie the compensation of WCB employees to performance measures.”

Recommendation 20

The Panel identified that a low level of awareness and understanding of the WCB system exists, especially among the medical community, despite repeated attempts by the WCB to raise awareness.  A recommendation to increase the level of knowledge and awareness of the WCB system was formally included in the report.  It is hoped that success in this area will “help build better greater capacity in the medical community to diagnose and treat…work-related injuries and illness, and support workers’ re-engagement with the workforce.”

Recommendations 22, 23 and 24

A critical component of the Review Panel’s work was an effort to consider WCB legislation, policy and practice in other Canadian jurisdictions. One area where they chose to recommend following the example of several other provinces was to officially recognize an employer’s obligation to return workers to work once they have suffered a workplace injury or illness.  They further recommend that workers be obligated to cooperate with their employer’s plan to return them to work. Specific policy recommendations based on the size of the employer and relevant timelines are part of this recommendation.  A third recommendation would clarify an employer’s ability to terminate a worker for “egregious conduct” even if the worker is on modified duties or working under a return to work plan.

Recommendation 37

A number of changes around worker compensation were also recommended, including a change to how cost of living adjustments are calculated. The WCB currently provides this increase annually based on an amount equivalent to the Alberta’s Consumer Price index minus .5%.  The Panel was unconvinced that this policy was fair to injured workers, and has recommended that these adjustments be made without the .5% reduction.

Recommendation 39

The Panel also heard concerns from injured workers whose employer benefits programs were often interrupted during the time they are receiving WCB compensation payments.  To address this, it was recommended that an amendment to the Workers’ Compensation Act be made to “establish a requirement that an injured worker continues to be covered under their existing health benefits programs.”

Recommendation 14

The WCB in Alberta has historically functioned without a requirement for regular review.  In fact, the last review of the Board was 15 years ago!  The Review Panel believes the Workers’ Compensation Act should require regular reviews of the Board, and is recommending a further review in three years, and every five years after that.  This will allow for follow-up on the results of the 2017 review, as well as ensure regular, ongoing maintenance of the WCB’s programming.

As you can imagine, there is a lot more detail to be had by reading the report in its entirety.  A summary of all sixty recommendations can be found in the report’s appendix, but I highly recommend you read the body of the report.  It includes not only some of the background needed to understand the issues, but also contains a short explanation for the thought processes behind each decision. You can find the report posted here:

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