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For this Crystal Ball edition of MiBiz, our team of journalists spoke with dozens of executives across West Michigan about their outlook for 2019. From those conversations, we’ve subjectively boiled down their concerns into this list. The first three issues certainly rank as their major concerns, while the rest of the list were their main worries that rose to the forefront.
West Michigan manufacturers are dealing with a host of issues, ranging from trade and tariffs to talent and technology. As they wade through those challenges, the Michigan Manufacturing Technology Center-West is there to help, according to Regional Director Justine Burdette. As MMTC seeks to “maintain that closeness and relationships with our manufacturers,” the organization is finding new ways to adapt and address their needs, she said.
Cascade Die Casting Group Inc. is a manufacturer heavily concentrated in the automotive industry. Although the company recently lost business related to the closure of several General Motors plants, the industry shift from low price-point cars to higher-margin trucks and SUVs has President Patrick Greene cautiously optimistic about continued growth in 2019.
This year, unemployment rates have dropped to an 18-year low and local manufacturers are scrambling to find new and innovative ways to grow without gaps. As founder of the advisory firm 100X LLC and chair of Vistage Executive Peer Group, an executive coaching organization, former manufacturing exec Steve Johandes helps dozens of local organizations and companies position themselves for “what’s next” in the market.
Women are critical to addressing the serious shortage of qualified applicants for skilled production positions, according to Kelly Springer, CEO of Metal Flow Corp., a Holland-based automotive supplier. Yet, relatively few women choose manufacturing careers. As chair of Inforum’s ManufacturingNext steering committee, Springer is helping to strengthen the talent pipeline of women who thrive in manufacturing professions.
After acquiring Nuvar Inc. in May from its long-time owner, Amy Sparks is executing on growth plans for the Holland-based manufacturer and developer of finished goods primarily for the contract furniture industry. While she’s mindful of some softening in the broader market, Sparks remains “cautiously optimistic” for the economy in 2019.
Rex Bell has served as president of Miller-Davis Co. for the last 22 years and has never seen a worker shortage like the company faces today. It’s a problem he expects to continue throughout 2019. With a busy year ahead for the Kalamazoo-based general contracting firm that focuses on higher education, K-12, nonprofit and industrial projects, he hopes for a renewed focus on training by companies and encouraging high school students to go into skilled trades.
For Housing Next Executive Director Ryan Kilpatrick, 2018 has been about laying the groundwork to get more affordable housing online in Ottawa County. Next year is “where the rubber hits the road,” when more than 600 new housing units will come online, with more yet in the pipeline, Kilpatrick said. Since January, Kilpatrick has worked with multiple municipalities to increase the amount of affordable housing in the county. He expects more tangible results to emerge in 2019.
Ask Planning Director Mike Franzak what’s going on in Muskegon right now, and he can rattle off a long list of projects either under construction or well into the planning stages. There’s so much activity, in fact, that the lakeshore city has started to think about issues like parking facilities after the many vacant former Muskegon Mall parcels downtown have been developed.
More so than many other areas of the country, West Michigan has experienced tremendous growth in 2018, according to Anirban Basu, who serves as the chief economist of the Associated Builders and Contractors, a national trade group. His outlook is less rosy for 2019, which could be a transitional year for the U.S. economy. Meanwhile, he thinks 2020 could be the beginnings of the next economic downturn.
As the construction industry continues to expand, companies with the best culture will find the most success. So says Mike Novakoski, the president and CEO of Holland-based general contractor Elzinga & Volkers Inc. Like many of the region’s construction managers, the company finds itself with a strong backlog heading into the New Year and few signs of a slowdown.
Catalyst Development Co. LCC’s latest project in Kalamazoo, located at the southwest corner of North Edwards Street and Water Street, will bring more housing, offices and parking spaces to the growing downtown, which could spark some more retail development in the area. That’s according to Managing Director and Vice President Patti Owens, who said she does not see a slowdown in development coming any time soon for the Kalamazoo area.
After a busy year on K-12 school projects, Triangle Associates Inc. is expecting more of the same in 2019 with the passage of multiple school bonds in the November midterm election. According to Senior Vice President and Partner Mitch Watt, these long-term school projects will carry the general contractor in the event of a slowdown in the construction market.
It’s been two years since the Legislature passed sweeping energy reform bills, yet the laws remain front and center for those working behind the scenes on energy policy.
Crystal Ball 2019 Outlook Q&A: Patti Poppe, CMS Energy Corp.
U.S. power companies are in the middle of a major shift that includes an increased focus on smaller, modular renewable energy projects and less on centralized fossil fuel plants. Jackson-based CMS Energy Corp., the parent company of Consumers Energy, is no different. Following the closure of its “classic seven” coal plants in 2016, Consumers released its long-term energy vision in June that spans the next two decades.
Interest rates likely will rise again in 2019. How much and how often remains the question following the latest quarter-point increase in the federal funds rate last week by the Federal Open Market Committee (FOMC), which for two years has been raising interest rates from historic lows reached a decade ago during the Great Recession.
Volatility came back to the stock market in 2018 and Todd Harvey doesn’t see it going away in 2019. The director of Fifth Third Private Bank since 2012 and a wealth management professional for 16 years, Harvey believes the market next year will have to cope with rising interest rates amid a U.S. economy that will continue growing, although at a slower rate.
Bank of America’s West Michigan operations had a record year in 2018 in terms of the number of new business clients. The year came on top of similar results in 2017, when the bank consolidated local operations into a single office in downtown Grand Rapids, a move that better organized and generated greater collaboration among staff in pursuing new business. Echoing the sentiment of other local executives, Tabben said business clients are working to cope with the region’s tight labor market.
Krista Flynn joined Chemical Bank in July as regional president for West Michigan, leading a market that includes Grand Rapids and Holland. She previously spent seven years in corporate banking at PNC Bank and 15 years at JPMorgan before going to work at Chemical, the largest bank based in Michigan. Chemical Bank, with more than $20.9 billion in total assets, has been building its commercial banking and wealth management staff, and is presently building out a new regional headquarters in downtown Grand Rapids. Parent company Chemical Financial Corp. also plans to develop a new corporate headquarters in downtown Detroit.
Kalamazoo-based Consumers Credit Union surpassed a key milestone when it hit $1 billion in assets back in May 2018. By the end of the third quarter, the 92,000-member credit union had grown assets further to $1.07 billion, and President and CEO Kit Snyder expects assets to close the year at $1.1 billion. The growth during 2018 came as Consumers Credit Union settled into a new headquarters in The Groves Engineering Business Technology Park in Kalamazoo.
Health care goes into 2019 facing many of the same issues and trends that have been driving industry change in recent years: the movement to value-based contracting, more use of telemedicine, growing concerns about cybersecurity, and greater price and cost transparency for consumers.
Dr. Rakesh Pai joined Metro Health – University of Michigan Health System in October as medical group president and chief population health officer. He came to the health system with experience in two major drivers in health care today: value-based contracts between insurers and care providers and population health. Dr. Pai, a cardiologist, previously served as associate chief medical officer for two years at Cambia Health Solutions in Portland, Ore., where he ran Regence Blue Cross Blue Shield of Oregon. Dr. Pai looks at 2019 as a year for Metro Health to further build on the two-year-old affiliation with U-M Health System.
The Western Michigan University Homer Stryker M.D. School of Medicine achieved significant milestones in 2018. Among them: Receiving full accreditations from The Higher Learning Commission and the Liaison Committee of Medical Education, plus graduating its inaugural class of 48 medical students in May, all of whom were placed in residencies across the country. Since opening in 2014, the medical school — commonly known as WMed — has ramped up to peak capacity of 84 students per incoming class. After “quite a great year” in 2018, founding Dean Hal Jenson said WMed is now focused on improving and building on the foundation that’s been established.
The past year confirmed to Toni Sperlbaum that workplace wellness is beginning to move in a new direction. Rather than focus on diet, exercise, and financial incentives for increasing participation and progress toward health goals, some employer wellness programs locally now take a broader approach. They encompass mental health, financial well-being and intrinsic motivation to encourage employees to maintain or improve their health, said Sperlbaum, the vice president of wellness at Health Plan Advocate in Grand Rapids. She expects that trend to pick up, albeit slowly, in West Michigan during the next year.
Tina Freese Decker became president and CEO at Spectrum Health on Sept. 1 following the retirement of Rick Breon. She leads West Michigan’s largest health system as the industry adapts to a combination of forces driving change, including greater consumerism and personalizing care to individual patients. As well, the industry has shifted to focus on keeping people healthy rather than treating them when they’re ill or injured, an economic model that rewards quality and pays care providers for outcomes rather than volume. Spectrum Health in 2018 moved into the Southwestern Michigan market with the merger of Lakeland Health in St. Joseph, and this fall formed a new partnership with Mary Free Bed Rehabilitation Hospital.


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City of West Frankfort City Council met April 9.
Approval Of The Minutes From The March 26, 2019 Regular Council Meeting.
Approval To Accept The Retirement Of Mike Irwin As Chief Of The West Frankfort Police Department Effective April 9, 2019.
Approval To Appoint John Prudent As Acting Chief Of The West Frankfort Police Department.
Approval Of A Resolution Ratifying The Employment Of Certain Employees Hired By This Council To Conform With Council Approval.
Approval Of A Resolution Authorizing An Agreement With Union Funeral Home For Tax Increment Financing Redevelopment Agreement For Redevelopment Of Certain Property Located In The City Of West Frankfort, Illinois.
Approval Of An Ordinance Declaring Certain Real Estate Surplus Public Real Estate: Lake Lots 57-65 And A Part Of P.I.N. 13-17-376-003.
Approval Of An Ordinance Authorizing And Approving A Lakeshore Lease Agreement With Eagles Nest At The Lake, Llc.
Approval Of A Resolution Authorizing An Agreement With Mai, Llc, An Illinois Limited Liability Company, D/B/A Quest Fitness For Tax Increment Financing Redevelopment Agreement For Redevelopment Of Certain Property Located In The City Of West Frankfort, Illinois.
Approval Of An Ordinance Authorizing The Real Estate Sales Contract With Mai, Llc Re: Lot 13, In Frankfort West Subdivision.
Discussion, With Possible Action, Regarding The Purchase Of A Truck For The Water Superintendent.
Approval To Pay An Invoice From Brown And Roberts, Inc. In The Amount Of $6,500.00 Regarding 2017 Itep Application Invoice #1.
Approval To Pay An Invoice From Clinton Electric In The Amount Of $4,401.56 Regarding Replacement Fixtures For Suite 113 At The West Frankfort Mall.
Approval To Pay An Invoice From Tcb Flooring/Wallace Electrical Systems In The Amount Of $2,146.00 For Replacement Of Flooring At The Wfbi.
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industry_corpus2: Politics & Administration


text: New 4 bedroom luxury home( PLUS LARGE BONUS RM ) on a nice 1 acre lot , situated on a quiet street just minutes from shopping and downtown Greenville. With (aprox )4500 square feet under roof including an over sized 3 CAR GARAGE and (Approx)500 square feet of covered porches and patios, you will find ample room to suit your lifestyle. Built by local custom builder this open floor plan offers a 3 Bedrooms on MAIN LEVEL , and a BONUS ROOM & another bedroom on second level . The gourmet kitchen includes elegant quartz counter tops, a large walk in butlers pantry, Brazilian hardwood oak flooring stainless appliances including a gas range and refrigerator.The large Great room offers a beautiful custom ceiling and a cozy fire place for your pleasure and enjoyment! The MASTER SUITE is located on the MAIN LEVEL with a trey ceiling, double sink , stand alone tub & walk in custom tile shower. The walk in master closet is very large with plenty of space! second floor includes a LARGE BONUS ROOM , full bath room, and another bedroom for sleeping quarters. Enjoy the custom front porch with plenty of room for relaxing, or entertaining guest and grilling out on the expansive covered back deck overlooking a nice back yard! You have to see this house to appreciate the custom craftsmanship and details including exquisite finishes.

industry_corpus2: Real Estate & Construction


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Good news for Motorola lovers in UK. You can now have the business class Motorola MILESTONE cell phone for around 450 pounds.
Isn't it cool wherein your Christmas gift is right there in your reaches much before the commencement and preparations of the festivity, where Santa Claus has just fulfilled your wish of having the much awaited Milestone in your suburbs.
Not only that you can also avail the opportunity from T-Mobile contract.
The European version of the USA DROID Milestone features an Android 2.0 (Éclair), high resolution 3.7" capacitive touchscreen, full QWERTY sliding keyboard, all-round connectivity, 5MP camera with DVD-quality video, fast ARM Cortex A8 processor, Google Search by Voice, GPS navigation, social networking, speech recognition and much more applications that you can easily download from the Android Market.
Well i guess MILESTONE with its features like 13.7mm thickness makes it most probably the slimmest side-sliding QWERTY phone. But normally what we want is utmost utility..
I have read many reviews about the droid version on internet. They say, its call quality is clear and it comes with long talk time. The only problem lies with its video and music capabilities.. Hmm/.. i think they are way too behind with the latest technologies..And now with this launch in UK, how the Europeans react to it will decide how much actual miles the milestone is gonna cover..

industry_corpus2: Computing & Telecommunications


text: I am very happy to report the re-issue of ‘Interaction’. For many years I lost both masters and despite asking various people whom have a copy of this, I had to wait for Al Conroy of Not Half to step forward and sending me both tapes as digital file. Interaction was a two tape release, on two different labels, which one could play solo or together, with the option to freely mix both tapes together. Very much a Kapotte Muziek idea of that time – 1990. It comes, like two previous re-issues on Lunhare with a Freiband remix – two actually, one on each CDR. Lunhare has now re-released four CDRs of old Kapotte Muziek stuff and I am very grateful to them. Who knows, maybe more in the future!

industry_corpus2: Film & Entertainment


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Adam Bryant, journalist, New York Times bestselling author, and columnist for The New York Times, is quite familiar with the psychologies, values, beliefs, and backgrounds that drive today’s most successful CEOs—perhaps more familiar than the CEOs themselves.
As a columnist, Bryant interviews chief executives from all walks of the corporate world for Corner Office, a feature about leadership and management in The New York Times and on NYTimes.com. In it, rather than pursuing the traditional Q&A algorithm of questioning growth plans and the competitive landscape, he seeks to better understand what makes a CEO tick, i.e., what traits and experiences helped them rise where others did not. In doing just that, he has interviewed over 300 top CEOs to uncover predictable traits, themes, and threads among them, all the while offering his audience an aquarium-like view into the worlds and psychologies of one of the more wildly romanticized characters in the American cultural landscape: the CEO.
Parnell: Why did you start Corner Office?
Bryant: I was a business reporter here at the [New York] Times for many years throughout the 1990s. During that time I covered a lot of different industries and companies and interviewed a lot of CEOs. And what dawned on me over time—it sounds obvious to say it now—is that CEOs are almost always interviewed in the business press as strategists. When you whittle down a typical CEO Q&A in the business press, essentially it is two questions: What is your growth plan? And what is the competitive landscape?
Don’t get me wrong, I enjoyed writing those articles, and really learned a lot, and there is a big audience for them. But I just found that the more time I spent with CEOs, the more I became interested in them as people, and found myself wanting to ask them simple questions like, “How do you do what you do?” and, “How did you learn to do what you do?” People often see CEOs as this subspecies of the human race—that they are born leaders. And I thought, well, that can’t be right; there has to be a learning curve.
So I rolled all of that up into a simple “what if?” that launched Corner Office, which is, what if I sat down with CEOs and literally never asked them a single question about their company, their industry space, and strategy, and all that? Instead, I would ask them really simple questions about leadership lessons they’ve learned over the course of their lives; how they lead their employees as opposed to how they lead in their industry space….
And so, we launched in March of 2009, and that was more than 300 interviews ago, and two books ago, and now I’m teaching a leadership course at Columbia, and starting to work on book number 3. It has been a fun adventure, and I get to meet a lot of interesting people and have good conversations.
Parnell: What are some of the common themes that you have found during those 300-plus interviews?
Bryant: That was really the work I did with the first book, which was to answer the question that I became intrigued by: What is it about the people that I am interviewing that helps explain why they got to the corner office?
One is what I call “passionate curiosity,” which is this relentless questioning mind that I see in so many of the leaders I interview. They are really deeply engaged with the world. They are curious about people, their back stories. They go into new situations trying to figure out how things work, and then how they can be made to work better.
I like the phrase “passionate curiosity,” because, to me, it is greater than the sum of its parts. We all know people who are passionate, but not necessarily curious. And we know people who are curious, but not necessarily passionate. But the two of them combined, to me, capture that energy; that very energetic, curious kind of professional-student mind that I see in some of the CEOs, which is not the impression that a lot of people have of CEOs in general.
I think that when CEOs present a face to the world, it tends to be one that suggests they have all the answers. We can all imagine the glossy business magazine with the CEO on the cover with their arms folded, and they have that “I can see the future” look in their eye. That is the face that they need to project for the customers and shareholders. But I think they play a very different role inside their companies, which is to ask the right questions. Because if you ask the right questions, that can really take the organization into important new directions.
Another thing that became really important is a quality that I call a “simple mindset,” which is the ability to take a lot of complicated information and really boil it down to the one or two or three things that really matter, and in a simple way, communicate that to people.
In big organizations—frankly, in any company—there are always a dozen or more competing priorities. And it is the leader’s job to stand up in front of the troops and say, “These are the three things that we are going to focus on this year,” or “These are the goals and this is how we are going to measure them.” I think that that is an incredibly important skill for leaders today, because if you really want to galvanize people and get them operating as a team, you’ve got to create a simple scoreboard that everybody understands.
That theme has emerged from a lot of interviews: not only can CEOs simplify things themselves, but they really value people on their staff who can do it as well. Simple is hard, and the point is to make it look easy.
Parnell: If you were a chairman for a Fortune 100 company and were in charge of finding your next CEO, what would be some of the top attributes that you would be looking for? This may dovetail into the question I just asked….
Bryant: Yes, certainly [passionate curiosity and a simple mindset]. Another quality is what I call “battle-hardened confidence,” which is that quiet confidence that you’ve faced down adversity before; that you’ve built a track record of overcoming adversity and working through tough situations.
Another quality is what I call “team smarts,” which is the organizational equivalent of street smarts. As companies move to less of a command-and-control model, and more of what one CEO described to me as a sense-and-respond model—and I really like that expression—you have to have great antennae for team dynamics.
A couple of other things that I have thought a lot about recently are the growing importance of self-awareness. I think that is something that really separates people, especially as more organizations follow more of a team-based approach rather than a traditional hierarchy. CEOs have to be really self-aware, and understand that the smallest gestures, like a furrowed brow or a dismissive wave of a hand, have amplified impact in the organization.
There is a great test of self-awareness that one CEO I interviewed explained to me—and I think this applies to everybody; it’s not just about CEOs—and the test is this: Don’t let anybody tell you something about yourself that you don’t already know.
Another thing I’ve thought about is this sweet spot between confidence and humility. Those may sound like they are forces in opposition, but I think that in effective leaders—and, frankly, anybody in any walk of life—there is a sweet spot there where people are aware of what they don’t know, but they are also confident that they can learn, and develop a point of view, and contribute to the team. That’s something that CEOs tell me that they really value in people.
Parnell: If you had to choose between wisdom, enthusiasm, and energy, and you could only choose one, which would it be?
Bryant: I’d push back on the question, but if you twisted my arm, I’d pick wisdom. Wisdom, to me, is really sort of pattern recognition in life, and sifting your experience—first hand, and second hand, and third hand, and just being observant. I think that you have to have energy and enthusiasm to be wise.
Parnell: Who are some of the greatest communicators that you’ve met? I know perhaps singling someone out may put you in a precarious spot, but if you are comfortable with it, I’d love to know who you think are some of the best.
Bryant: It is hard for me to say who the top five are. But to me, it starts with the content. So, the communication style, to me, is secondary to getting the content right. And what I’ve been so often impressed by is leaders who can essentially boil down the company’s goals and operating model into, literally, less than a page. They can figure out, “Here are the four metrics; these are the three or four things that we are going to focus on,” and do it in a way that not only makes sense for today, but is likely to make sense a year from now.
To me, this is a real trick to leadership—creating a simple structure so that everybody in the organization can understand how the work they are doing contributes to the broader goals.
I think, as human beings, we are wired to contribute and to be part of a team, so it is the leader’s responsibility to create the scoreboard. We see this in sports, right? Everybody on the team contributes, whether they are playing offense or defense, or even if they are the water boy. Everybody feels like they are part of the team, and understands what the scoreboard is. But I think in a lot of companies the scoreboard is not clear, and in the absence of a clear scoreboard, then people start keeping their own. That’s when silos develop, and silos are what topple the greatest organizations.
With silos, you have people working on their own and pursuing their own agendas. That’s when you get infighting and internal politics. As a leader, you have to provide a counterweight to that natural tendency of human beings to think in small tribes. So, if people are working in a department with 10 people, they will tend to think of that group as “us,” and then the people down the hall as “them.” It is just the way we are wired. So it is the leader’s job to say, “No, we are all ‘us,’ and this is our collective goal,” and that helps break down those silos.
Parnell: If you could tell the leader of a faltering firm only one piece of advice—you had 10 seconds and they were shuffling you out the door—what would it be?
Bryant: I keep going back to this notion of coming up with a simple plan: being able to paint, in simple terms, a vision of how the organization is going to win. I think that if you can do that, people are drawn to it. They just want to believe in something that makes sense to them.
For leaders in any situation, you have to be honest about the challenges you are facing. But then you have to be able to say, “I suggest that we do A, B, and C, and I think that will lead us to differentiate ourselves from our competitors and to succeed in the following ways….” If that makes sense to people, you can get a lot of buy-in with that.
Parnell: That is certainly one of the biggest challenges as a leader: mobilizing the entire firm toward a single objective. If you weren’t a journalist, you weren’t an author, and money was not an issue—you had a trust fund; money didn’t matter; you could do whatever you wanted—what would you be doing?
Bryant: I would teach. I am doing a bit of that now, teaching this course at Columbia, and I think a part of the underlying reasons that I do Corner Office is that the wisdom and insights from these CEOs should be shared broadly. And if people can learn from that and be better in their own jobs and in their own lives, then, that’s fundamentally what I do, even though the label on me is journalist, columnist, and book author. At the core of it is really trying to share information and that is a big part of teaching.
Parnell: You are certainly living your dream! [laughs] Sharing information? You have the NY Times—arguably one of the most powerful sharing platforms out there.
Bryant: I have to say, it is very gratifying. I get a tremendous amount of feedback from readers, and a lot of professors around the country have started using Corner Office in their courses in a lot of different ways.
Parnell: Do you have a hero or idol? Someone you’ve looked up to? Someone who has provided you a compass?
I do find on a pretty consistent basis that the influences are so strong, and so clear, and usually there is an interesting mix of how the two parents come together. I think that is true for me too. That was something that I saw in my parents, and it influenced me a lot.

industry_corpus2: Subject Education


text: YALETOWN PAD!! Exceptional NW 1 BED + DEN NW corner unit with exceptional courtyard and Yaletown views. Laminate floors, granite countertops, and S/S appliances make it truly a low-maintenance unit. The unit also offers a Murphy bed thereby affording great flexibility of use. The balcony is a bonus. NOVA offers Sauna/Hot-tub/Exercise and Rec Centre. Great proximity to the Seawall, Rogers Arena, BC Place shopping and high concentration of restaurants. Pets and rentals allowed. Live a perfect downtown life (Yaletown living) or buy for investment with exceptionally low strata fee!


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Competing priorities for your time and money is always at the forefront no matter your age but its especially evident in your 40s. With so many to-dos, you might find yourself wondering where to focus and what should be at the top of the list. This post includes the top five personal finance milestones to hit in your 40s to keep you on track for a great financial future.
In your 40s, you most likely have a respectable decade or two behind you in your work and you are at an established point in your career. Unless youve changed career paths, you may be in a comfortable place with your income. It’s great if you dont have to worry about where your next check is coming from or how you will pay bills.
If you live paycheck to paycheck, take a hard look at your income and budget and figure out what you need to do to make everything work. Keep this mantra in mind as you make financial decisions: Spend less than you earn, save and invest the rest. Personal finance really is that simple.
Remembering to manually transfer funds from a checking account to a savings account is not easy, which is why many employers offer 401(k) savings plans with automatic contributions (look for a 403(b) if you work for a public education institution).
If youve been taking a your full employer match, that is a good start. However, it’s likely below what youll need to maintain the same living standard in retirement. Most experts suggest saving at least 10 percent to 15 percent of your gross income for retirement. If you get a 3 percent 401(k) match, for example, you would need to save 7 percent to 12 percent more of your total income to reach typical retirement goals.
Student loans are are a reality for many Americans. Your kids may be on track to join the student loan crowd when they enter college. If you want to help them avoid crushing student loans, make plans to help pay for their future education. Getting some savings under your belt will help you and your kids avoid student loan issues.
A 529 account may give you the motivation (and tax savings) you need for college savings and investments. Also consider saving for your kids in a regular taxable investment account. There are no restrictions should they not need the entire amount for their education.
Discuss college costs with your spouse and kids and work toward a plan that makes sense for your familys needs. That may mean a combination of saving and borrowing but an investment in a quality degree will give your kids a lifetime payoff.
You may also want to add life insurance to ensure your kids college is paid for even if you are not around to write the checks.
Speaking of paying for college, do you have any lingering student loans from your college days? Your 40s is the time to get rid of those loans for good. A 2016 Federal Reserve report found nearly 7 million adults in their 40s still have student loans with an average $33,765 balance. If you still have student loans, you are not alone.
Set up a debt snowball or debt avalanche payoff plan to get your student loans taken care of as quickly as possible. Paying off those loans means no more interest charges and no more monthly payments.
The sandwich generation gets its name from the competing priorities of its own along with those of its parents and children. Being stuck in the middle, or sandwiched, means getting pulled multiple ways at once with competing time and financial priorities.
Like when traveling with small children, you have to put the oxygen mask on yourself before assisting others. You cant put an oxygen mask on your kid if you are passed out. You cant help others with financial needs if you cant handle your own.
Medical expenses alone can easily reach into the six-figure range for retired Americans. Be prepared to help your parents with long-term care needs and medical care as they age. They may start to rely on you more for support.
Theres a lot of life left to live when youre in your 40s. By the end of this decade, you should be established in your finances, debt free or on track to pay off all debts and solidifying your financial needs for retirement.
The more you can save and invest today, the better. You still have plenty of time before retirement for compound interest to help your investment balances grow for years to come.

industry_corpus2: Finance & Economics


text: Climb inside the 2016 Acura MDX. Smooth gearshifts are achieved thanks to the refined 6 cylinder engine, and for added security, dynamic Stability Control supplements the drivetrain. Acura prioritized practicality, efficiency, and style by including: a rear window wiper, a tachometer, a blind spot monitoring system, heated seats, a power rear cargo door, an overhead console, and power windows. Third row seats provide an even greater maximum passenger capacity. For drivers who enjoy the natural environment, a power moon roof allows an infusion of fresh air. Acura also prioritized safety and security by including: dual front impact airbags, front side impact airbags, traction control, brake assist, anti-whiplash front head restraints, a security system, and 4 wheel disc brakes with ABS. A Carfax history report provides you peace of mind by detailing information related to past owners and service records. Our knowledgeable sales staff is available to answer any questions that you might have. They'll work with you to find the right vehicle at a price you can afford. Stop in and take a test drive!

industry_corpus2: Automobiles


text: Neustyle Body Forskolin :- The following undertaking of this weight reduction supplement is to both of the procedure of thermogenesis with the goal that your physical execution can be made strides. Your additional fat can be focused amid exercise however on the off chance that you don’t have great stamina and you get drained soon, at that point how are you can focus on those fats! It is an enhancement that can really help up your digestion and it can make you fiery with the goal that you can perform truly well amid exercise and you can consume your body fats rapidly.

industry_corpus2: Health & Medicine


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Our licensed Indiana HVAC technicians are experts in air conditioning, heating & ventilation service and repair. We also install new Energy Star certified products and ozone friendly refrigerants. We offer affordable air conditioning repair, maintenance, and installation. We provide residential or commercial service and repair of all of the major air conditioning and heater brands. We service, repair, maintain, and install all makes and models of heating and air conditioning equipment. Our HVAC (heating, ventilating, and air conditioning) technicians are experts at inspecting and repairing systems that are not cooling or heating properly. We service the greater Auburn Indiana area.
Not Sure If You Should Repair Or Replace Your AC? Consider this; if you have an inefficient system that breaks down every one to two years, it is likely that it is going to break down again. That means more expensive repairs and service calls or possible damage to the other parts of your home heating and cooling systems. Also consider the yearly maintenance cost factor. You could save up to 60% on your yearly energy bills with a new highly efficiency air conditioner or heater. Even if your air conditioner is only five to ten years old, it could be inefficient by today’s energy efficiency standards. Installing a new highly engergy efficiency air conditioning system or heater systems can actually pay for itself with the yearly energy savings within a relatively short time, not to mention all that money you’ll save not having to constantly call a heat and air conditioning repair contractor. We service the greater Auburn Indiana area.
If your air conditioning system needs repairs, count on our Indiana certified and licensed technicians to thoroughly inspect the system, explain the problem, and provide you with affordable solutions. If your refrigerant starts leaking, the indoor evaporator coil will get too cold and freeze up, which could permanently damage it. Have us diagnose your problem, perform AC repair services, maintain your system and even handle your HVAC installation. Our air conditioning contractors offer comprehensive repair and maintenance services on all brands of residential air conditioning and cooling systems. We service the greater Auburn Indiana area.
We provide full service heating repair and installation in the greater Auburn Indiana area. When the weather cools down and you don’t have time to worry about if your home heating is going to work properly. Our heating specialists are a team of individuals that are specially trained to handle any heating problem you may have. If you need heater replacements, heater repairs, or heater maintenance, give us a call today. We offer a wide range of heating products and services to meet your every need.
We service, maintain and repair all makes and all models of furnaces, heat pumps, and boilers. Our service technicians have fully stocked trucks with all the parts and tools needed to solve your heating problems. We service gas forced air furnaces, electric forced air Furnaces, gas fireplaces, geothermal boilers, heat pumps, mini splits, hydronics, and humidification & dehumidification units. Regular maintenance can prevent most malfunctions, keep sound levels at a minimum, and enhance the health and cleanliness of your home. Preventative maintenance is unquestionably more efficient and more economical than waiting for your heating equipment to break. We service the greater Auburn Indiana area.
When buying an air conditioner in Auburn Indiana, look for a model with a high efficiency. Central air conditioners are rated according to their seasonal energy efficiency ratio (SEER). SEER indicates the relative amount of energy needed to provide a specific cooling output. Many older systems have SEER ratings of 6 or less.
Our Auburn Indiana company is the leader in HVAC Air Conditioning, Heater and Ventilation repair services. As the top industry provider for HVAC repair services, rest assured that we will keep your AC or Heating unit running efficiently all year around. Don’t fall victim to smaller startup companies that may go out of business in a few years, put your trust in a company with over 25+ years in the industry.

industry_corpus2: Power & Energy


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Whiplash occurs when the head and neck rapidly move forward and backward motion. This movement causes a strain on your neck muscles and ligaments. This rapid had and neck motion can happen at speeds as low as 10 mph, be aware of your body and take action if you believe you are suffering from a whiplash injury. Whiplash injuries can sometimes take a few hours to start to be noticeable and can feel like the symptoms are getting worse before they get better. Whiplash injuries can last anywhere from a few days to a few months.
What are Common Signs of a Whiplash Injury?
What are Common Symptoms of a Whiplash Injury?


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I never knew you, Dave, but I have benefitted from this great community you've built.
May eternal light shine on you and comfort all of us who miss you and salute your accomplishments.
Leading from light to light, through a brief darkness!"
Blessings upon you DDV, your creativity has had an enormously positive impact on my life.
And all in the end is harvest.
I-mon wrote: Crazy that the first death on the forum should be the guy who started it all....Godspeed, brother.
Not to break away from Dave's obit, but I just thought I'd let you know that this is not correct, I-mon.
The first death on the board was back when it was one of those scroll down tree thingy's and the first guy to die on the boards name was Volker Kruger? It's been a long time but I'm pretty sure that was his name. We've also lost Marcello Texeira back in the day too.
I was gonna mention Marcello Texeira, but I wasn't around when Kruger was here so I didn't even know about him.
I can't remember exactly when it was but it was like maybe 1999-2000. Memory fails, it was a long time ago.
Rest in peace David DeVere. Thank you for all you've done.
shawnsegler wrote: The first death on the board was back when it was one of those scroll down tree thingy's and the first guy to die on the boards name was Volker Kruger? It's been a long time but I'm pretty sure that was his name. We've also lost Marcello Texeira back in the day too.
Volker died in an auto accident back in the early 2000s, 2001 or later.
Marcello died from a heart attack on September 5, 2003.

industry_corpus2: Others


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The Howard government's recently released vision for a 'new workplace relations system' has already generated heated public discussion as different interest groups work through the implications of particular proposals. Some employees, particularly those in Australia's expanding professional and managerial occupations, will conclude that the changes will make little difference to their immediate circumstances, especially as few of them can imagine being summarily dismissed. Women in this category may not even be aware that their current entitlements to things like maternity leave, parental leave, family leave, and reasonable working hours are the result of hard fought test cases brought before the Australian Industrial Relations Commission, which is to be abolished.
A much larger group of employees will conclude that the changes are all designed to permit, or even to encourage, a reduction in the terms and conditions of their employment, and they will worry about this to the extent that they believe their employer may wish to exploit these possibilities. Meanwhile employers have welcomed the reduction of trade union and employee rights and entitlements, for the simple reason that these represent constraints on management prerogative. Those who are competing for skills that are in short supply are unlikely to make much use of the new opportunities to reduce wages or impose longer or unsocial working hours on their staff (though smaller employers will certainly make use of their new freedom to dismiss staff). Other employers - particularly in the service industries - who rely on relatively unskilled labour, or on workers who for other reasons don't feel they live in a 'workers' market' (such as sole parents and young people), will have powerful incentives to begin using Australian Workplace Agreements, under which they can now reduce employee costs by, for example, removing existing penalty and public holiday rates.
Not surprisingly, the media is full of contradictory verdicts on the package. But there is a real danger that in the immediate debate about winners and losers, benefit and costs, we fail to appreciate the larger significance of John Howard's vision. This is particularly so because the government finds itself having to sell what is a revolutionary proposal for Australia to a community that has already been rattled by the most successful trade union advertising campaign ever. As a result, the majority of the individual examples provided in WorkChoices (the recently released guide to the proposed new system) are designed to reassure people that they will lose none of their current entitlements. For the fictional Liljana, Sarah, Claire and Maria, it should be noted, this is conditional on their continuing to be employed under their relevant awards - something the new system is explicitly designed to discourage. Indeed, in parts of the public sector where the new system is already in place, an offer of employment is increasingly contingent on the acceptance of an individual AWA.
Why are these proposals for a 'new workplace relations system' so significant? Because they are designed to bring fundamental change to the way in which Australian wages and conditions of work are negotiated. They will radically alter the institutional framework within which Australia has sought to provide for its citizens' economic security and quality of life. And in doing so, these proposals also seek to redefine the kinds of values and social goals that are given concrete expression in our most important decision-making structures. At the very least our notions of fairness and equity are at stake, and some dimensions of what it has meant to be Australian.
We will all come to this larger debate from particular social positions, and we certainly shouldn't be surprised that the churches have joined in so promptly, despite claims that they have no authority or expertise in the industrial arena. My own concerns stems from a long standing research interest in the ways Australia's workplace relations system has reflected and sustained a distinctive and explicit egalitarianism for most of the twentieth century, and in the ways this system has had to be challenged and reformed to give women equal rights. Australia's evolution as a very distinctive 'wage-earners welfare state' is now well understood, contrasting with the far greater reliance on publicly funded welfare provisions and statutory social protection that is found in other Western democracies.
There was nothing inevitable or pre-determined about this distinctive history. In fact it was the way in which the bitter class warfare of the late nineteenth century was resolved at the time of Federation that allowed the wages system rather than welfare provisions to provide protection against poverty and the extremes of inequality that characterize unregulated market societies.
Australia, the nation, was established in a climate of widely shared values about the national purpose, with specific legislation and public institutions that embodied these values. When Barton, Deakin and Labor leaders spoke about 'fairness' they were talking about the same sort of thing. They meant that the living standards of Australian families should be protected through wage regulation, and in this way all Australians would develop as citizens. Out of the devastating conflict between employers, workers, governments, unions and even police and soldiers, came lasting institutions and practices, not just fine words. Central to these institutions was the system of industrial arbitration. Conflict between employers and employees could not be abolished, as it is inevitable in any market economy. But from 1904 it was to be managed through a judicial process where the claims and counter claims of employers and employees could be heard. There are bosses and there are workers, but in the court they are just parties to a dispute.
The most famous and rightly admired decisions from the Harvester judgement in 1907 on the 'normal needs of the average employee', to equal pay for women in 1969, were not made by economic experts (as proposed in Howard's vision for a Fair Pay Commission). They were the outcome of intense political debate as well as expert advice before the Arbitration/Industrial Relations Commission, producing an agreed community standard on where the balance between competing interests should be drawn, and what were to be non-negotiable rights for the time. When Justice Higgins announced that Australian workers were to be paid a fair and reasonable wage rather than whatever they could extract out of a power struggle with their employer, this most Australian of class compromises was made legitimate. Employers who could not pay a decent wage were not welcome in Australia. A job was to be the key to working-class security.
The subsequent growth and acceptance of trade unions and compulsory arbitration dominates the 20th century workplace relations system, with arbitration establishing legally enforceable minimum wages for most jobs. This was central to Australia's remarkable capacity to integrate great waves of immigrants after the second world war without creating low-wage ghettoes or undermining working class living standards. These are surely factors that rendered urban Australia relatively immune to the intensely divisive politics of One Nation.
The workplace relations system that underpins Australians' welfare has had to undergo significant reform and change, and only sustained community pressure ensures that changing community standards are acknowledged. Historically, fairness did not require that women have equal rights with men in the workplace. But after the 1972 Industrial Relations Commission test case decision on equal pay for work of equal value Australia led the world in having one of the lowest gender pay gaps. It took the United States another thirty years to catch up to our average, while low paid women in the US continue to fare much worse.
Since then, all Australian women (not just those in good bargaining positions) have won the right to such fundamental workplace needs as maternity leave, carer's leave and reasonable hours. They have won these rights because of the organized representation of their interests through the trade union movement, heard in an institution designed to mediate, from society's perspective, between the conflicting interests of employers and employees.
John Howard's proposal for a 'new workplace relations system' seeks to abandon this history and this framework altogether. The most radical measures are: the removal of the AIRC's power to set minimum wages and hear test cases around such topical social concerns as parental leave and unreasonable hours; the clear intention to remove unions as the representative of employee interests both from individual workplaces and from the wage-fixing system more generally; the preference for individual negotiations between individuals and their employer through AWAs; and the proposal that in these negotiations employers may request that even basic longstanding entitlements to annual leave and rest breaks be given up.
In the government's recently released WorkChoices document we are provided with a number of examples to illustrate the impact of the proposed changes. It is Billy who most clearly provides an insight into the larger issues that are at stake. Billy, who appears on page 15, is currently unemployed, but he applies for a full-time job in a clothing store which is currently covered by a federal award. The employer decides not to offer Billy the same conditions as the other employees, but rather to offer him an AWA under which he will not be entitled to the award conditions governing working on public holidays, rest breaks, bonuses, annual leave loadings, allowances, penalty rates and shift/overtime loadings. Billy accepts the offer (which by my calculation would be under $14 an hour) because he 'wants to get a foothold in the job market'. There is no suggestion that Billy has any kind of disability, or anything that would prevent him being as productive as anyone else in the store. Indeed he might be the same person, a few months on, as Doug on page 52, who is made redundant when his job in a shoe factory is automated as a result of new technology. More plausibly, of course, Billy is really Billie (my invention), a single mother returning to the retail workforce, and also anxious to 'get a foothold in the job market'.
The extent of the revolution being proposed could not be more stark, for in the 1960s and 70s Australian women, with the eventual support of the trade union movement, campaigned long and hard to win the principle of equal pay for work of equal value. Yet WorkChoices promotes the idea that Billy and Billie can not only be paid less than their co-workers for the same work, but be made to work harder and longer. It is not fanciful to suggest that the door has been opened for employers to discriminate between male and female workers (or older and younger workers) on the basis of their hunches about what different individuals would be prepared to work for, and this will be perfectly legal - despite thirty years of active campaigning and community consciousness raising to eliminate precisely this behaviour. If employers were required to make their reasons for offering worse conditions explicit this might create opportunities for action under our anti-discrimination laws (though this would only protect Billie, not Billy), but AWAs are not available for public scrutiny, and there is no such requirement for disclosure.
Australians generally now understand very well that women's primary responsibility for the care of children and other family dependents renders many of them vulnerable in the workplace. Working mothers' options are constrained and their bargaining power reduced, and they are concentrated in low paid, part-time and casual employment. They are more likely to be on awards and to be dependent on the AIRC's decisions about safety net standards than men, and minimum wage increases have been central to the protection of this group. Their shared needs and interests have been advanced not through AWAs or even enterprise bargaining (or through statutory provision of basic rights for parents as are to be found in most OECD countries today), but through public debate before the Commission and award protections. The reason that the ACTU's earlier advertisements featuring a mother being called out for work without warning had such an impact is that the scenario is profoundly plausible.
Decisions about which employment conditions should be provided for all workers should not be made by 'experts', or left to individual employers. The question of how low minimum wages should be allowed to fall, what constitute unreasonable hours of work, the conditions under which workers can be dismissed, or what basic rights parents should have in the workplace, are matters for political discussion. There is no 'correct' answer to these questions, and they should not be left to a professor of any kind, even an economist. Let all parties mobilise the strongest research evidence they can find in support of their arguments, but we (Australians) have to decide, through whatever imperfect political mechanisms we have established.
The arguments we have been given for supporting the changes are fairly feeble when looked at in this larger context. It certainly isn't the case that we can't afford to be as concerned with fairness and equity as we used to be. Some of the most successful, small, open economies in the world (like Denmark and Holland) leave us for dead in their insistence on protecting vulnerable employees and supporting parents in the workforce. Australia's major competition is not from low-wage countries like China, but from similar advanced economies who will compete for the trade opportunities created by the rapidly industrializing new economies.
Nor could it be said that these are changes for which there is a popular clamour. It has been suggested that the entry of mothers and students into the workforce, together with the rise of service industries which compete by being available 24/7, means that we no longer have any shared understanding of social and unsocial hours. But my young adult children (paying their way through university) long for the day when they can retrieve their evenings from casual bar work. And West Australians recently voted overwhelmingly against extended trading hours (for reasons that are hard to understand for a recent immigrant).
So, before we abolish the democratic institutions we established to mediate inevitable workplace conflict and establish our particular approach to the protection of fundamental social interests, we should stop and think. Unless, that is, you believe, in Margaret Thatcher's famous words, that 'there is no such thing as society'.
Professor Belinda Probert is Pro Vice-Chancellor (Academic) at the University of Western Australia, and co-editor (with Pat Grimshaw and John Murphy) of Double Shift: Working Mothers and Social Change in Australia (Circa, Melbourne Publishing Group). This article was first published in the Australian Financial Review on 21 Ocober 2005, and is reproduced with kind permission of the author.


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Tuilagi brothers tackles - "the most feared rugby family"
Insanely massive hits/tackles by the most feared rugby family the TUILAGI brothers.
Correct technique breeds confidence. That's the maxim for this session as we look at ways to get your children excited about tackling effectively!

industry_corpus2: Sports


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This was an early Christmas present this year, and already it is one of my favorite DC things. It shows the District’s neighborhoods by their names, creating a very cool effect. While this is extremely useful for determining which neighborhoods I haven’t yet covered in my Where We Live series, it’s also just really cool looking.
There are Ork posters for many different cities, and DC is a fairly recent addition to the list. They’re attracting a big following too– check out where the posters have been spotted! You can purchase a poster online, or at Reiter’s Books downtown.
I happen to think the Metro map is pretty cool to look at– it helps you figure out routes, but it’s also colorful and interesting. Lucky for you, WMATA sells their full-size Metro maps, so you can hang one up at home. And if that’s not enough, there’s always a Metro shower curtain too!
I’ve found that having a full-size Metro map on my wall is a big conversation piece, and guests often head over to it to check it out (and consult it when we’re figuring out where to head for the evening). Here’s the thing though– the poster measures 30 3/4″ tall and 28″ wide, which is definitely not a standard frame size. Even though the poster is just $25, custom framing drove the cost up to $200.
Several years ago, I was given a DC map silk scarf from the International Spy Museum. I got it custom framed to hang in my house, and I really like how it looks. Sadly, the Spy Museum no longer sells these scarves, but the point here is that you can find cool DC maps in unexpected places.
Mary Belcher is a local artist who paints watercolor scenes and maps of the District like the one in the photo above. She sells her paintings over at Eastern Market on Sundays, and this time of year she’s over at the Downtown Holiday Market.
These neighborhood maps are beautiful, and call out the particular buildings and parks that define a neighborhood. Mary has maps for Dupont Circle, Adams Morgan, Capitol Hill, Mount Pleasant, and Georgetown (among others).
Who knew that the FAA sold cool DC maps? If you’re interested in the historical roots of the city, that’s your place to go for inexpensive maps. They’ve got the 1792 L’Enfant Plan as well as the 1800 Ellicott Plan (I’ve got both), and they’re great quality and huge. So if you’ve got a DC history buff on your Christmas shopping list, consider one of these.
Well, now you know how ridiculously nerdy my house is– seriously, maps dominate the walls of my living room and kitchen. I like that they’re functional as well as decorative, and show how much I love urban planning and DC. So if you’ve got someone in your shopping list who has bare walls and who loves the District, I might have just done your Christmas shopping for you.
This is just about one of the coolest personal collections I have ever seen. Very impressive. We’ve got to get you the 1901 McMillan Plan for the trifecta!
I have that Ork map of DC in my office (in blue/red) and I LOVE it! highly recommended.
And a hand-cut DC map by the same seller.
We have Philly, DC and Brooklyn ork posters. The screen prints all come hand signed for extra sweet, sweet nerdiness.
I bought the Ork poster for myself earlier this year. I love it! So unique.
I have the Ork poster (grey and white) hanging in the front hall of my home in Santa Cruz. When people ask where I came from, I can point it out in detail. Another wall has a poster by Art Shark of cherry blossoms and the Tidal Basin. I am not sure if these things make me less homesick or more, but I love looking at them.
Excellent! Gift-ideas for the map-addicted spouse for years to come.
And for wearable maps don’t forget the DC Map tie, which is sold at the Building Museum gift shop (and you can get map ties for other cities, too).

industry_corpus2: Travel & Geography


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The Swiss taxation system, legislative order, financial and economic systems have long been the standard for the whole world, and, as a consequence, the service of registration of companies in Switzerland is prevalent among non-residents. The process of business registration in the territory of Switzerland does not take much time, but involves certain legal difficulties.
The experts of Law & Trust International offer professional assistance in filling out forms, preparing constituent documents when registering companies in Switzerland.
The objectives of establishing company in Switzerland are determined by the founder, and the selection of the organizational and legal form should be made using support of the specialists in this matter. A number of requirements that are imposed on both registration of offshore company in Switzerland and its further activities depends on the form of incorporation.
Switzerland consists of 26 cantons, each of which has its own legislation regarding the establishment of new companies.
Taxation of companies in Switzerland is carried out at the municipal, cantonal and federal levels, the final interest rate can be considerably high, so that non-residents and local citizens should focus on the registration of offshore companies in Switzerland.
The most cost-efficient for this procedure are the cantons of Zurich and Zug.
The composition of the Board of Directors can consist of several people, but one of the participants shall be the resident of the country. There are no requirements concerning the citizenship of shareholders or investors. The authorized capital of the company can not be less than 20 thousand in local currency. When registering company in Switzerland, the capital shall be contributed before the moment of submission of the constituent documents.
Independent audit of the limited liability companies is not mandatory, but the company shall submit annual reporting forms filled in according to all the rules of the canton’s jurisdiction.
All directors, shareholders and participants of the management are appointed by the founder. Employment for the post of the director of one resident of Switzerland is required. The citizen of the country shall be the natural person, but is entitled to finance or act as the shareholder in other companies. The registration of company in Switzerland in the form of AG requires contribution of the authorized capital in the amount from 100 thousand to half a million of Swiss francs. The indicated amount is paid immediately after the establishment of the business.
The authorized bodies shall receive annual report concerning maintenance of bookkeeping, as well as regarding turnover and income of the company. Independent audit is assigned individually, and the more employees are in the workforce and the higher is the level of turnover, the more likely is the assignment of the audit.
Registration of business in Switzerland in accordance with this form is relevant for the extension of already existing business. Its founder is the head office of the company, and there are no requirements regarding the authorized capital. The mandatory requirement is that one of the participants of the management shall have permanent place of residence in Switzerland.
Submission of reporting is necessary, but the audit is assigned only for the branches conducting certain types of activities. All details on the company's registration in Switzerland can be clarified with the specialists of Law & Trust.
More efficient process of establishment requiring the collection of considerably smaller documentation package.
There are no state fees, and the level of tax rate is much lower than for the new company.
The company's income received abroad and in the territory of Switzerland will not be taxed, if the head office of the founder is registered in the country with which Switzerland has agreement on preventing double taxation.
The citizen of any country can register company in Switzerland. If the founder establishes company, but does not reside in Switzerland, he will need constant legal assistance. The availability of representative with actual address is mandatory, and it is possible to send company correspondence or personal information for the founder from local partners to this address.
The non-resident’s company is also registered at certain legal address, which is indicated in all accompanying documentation.
The lawyers of Law & Trust offer clients all the services necessary for successful registration of company in Switzerland. At the preparatory stage, we carry out free consultations, analyze the current status of the applicant's company, and help with filling in the forms. The collection of documentation and its submission to the registrar is performed by the client's authorized representative from among the lawyers of our company.
After successful business registration in Switzerland, we offer legal and accounting support. All details are available on the website or can be specified during personal consultation with the expert.
Executive authority Head of government: President. Government: Federal Council elected by the Federal Assembly usually from among its members for 4 years.
Prices include all professional and official fees. If the change of official duties or exchange rates prices may vary.
23.11.2018 Is it possible to bring celebrities to responsibility?
23.03.2018 Which bank to choose for opening an account abroad?
20.09.2017 Is it possible to launch and run ICO startups that do not lead to legal, tax and reputational risks?
29.12.2016 The Organisation for Economic Co-operation and Development (OECD) published Multilateral treaty, which will help to deal with Tax evasion.
18.01.2016 Покупка иностранной недвижимости и сопутствующие визовые льготы.

industry_corpus2: Law & Justice


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Cell Phone #, Address, Pics & More. Angel Patrick's Info - Look Free!
Want Info on Angel Patrick? Just Search A Name and State.
Find Angel Patrick | Get Instant Data Access Now.
Current Address, Phone & Age. Find Angel patrick, Anywhere.
Get Patrick Angeles Metasearch & Social Results Here.


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"Can brakes be considered bad if they don't exist?"
The rascals of Road Kill built an old GM pickup into a monster hotrod with a fuel-injected LS6 and a ferocious slammed look. But in the spirt of true badassery, they decided to go ahead and throw bogging tires on it to wreak havoc on the Glamis sand dunes.
Fitting that rubber takes a little roadside-repair ingenuity, but the results are glorious. And the noise, the noise pretty well expresses all things right with this world.
Stick around for the hoonigan contest with a Baja Bug!


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Right now, in order to create a model for a door that lines up properly in Assetforge "for placement", the door's hinge can't be at X 0,Z 0.
Instead, the door has to be offset in such a way that it can be placed easily a doorway.
Now, when the final model is imported into something like Unity, a rotation operation performed on the door causes it to rotate at a strange angle instead of at the hinge.
Import the door with the hinge at 0,0.
Use Assetforge to translate the door to fit in the doorway.
Export the model or model group in such a way that the original 0,0 for the door is kept. I know this can be done by making the models the children of an empty object. Maybe this will have to be in the custom Assetforge format.
Allow this exported model/model group to be included with the other models in the collections subfolder, so it will show up in the model palette.
This way we can include these Assetforge group exports along with the other models when we distribute.
That would require metadata to be included which is not assured any target software can actually read and use.
The .OBJ exports are containing objects with meshes inside, so I think it would work without metadata. Still, if you export as FBX, it would be a problem. I corrected my first post at the end per your reply, Notthedan.
The final export shouldn't include the empty object I mentioned in the custom Assetforge format. Instead, the export should export the door directly with the other models. To calculate the door's new Transform, you would combine the containing object pos/rot/scale with the door's own pos/rot/scale (i.e. containing object pos at 30, 20, 25 and the door pos at -0.5, 0.0, 0.5 equals an exported door position of 29.5, 20, 25.5.) Performing a rotation of the door would rotate perfectly on the hinge still, since the actual model began with the hinge at 0,0.


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Current news, up to 1 year old, is available from the News Page and archived News from the previous 2 years are included on this page.
Membership of the Ulster Grand Prix Supporters Club is now due.
Just a few weeks after another record-breaking year at the MCE Ulster Grand Prix, organisers have announced that Bike Week 2018 will take place between 5th – 11th August.
Practice sessions for the MCE UGP will take place on Wednesday 8th August and the morning of Thursday 9th August, followed by racing that afternoon and on the main race day, Saturday 11th August.
The 2018 dates are subject to formal agreement by the Motor Cycle Union of Ireland (UC) which will be confirmed at their upcoming inter centre conference.
Clerk of the Course, Noel Johnston, has also confirmed that there are some changes on the way for 2018.
When the roads close, records are broken. Legends are born.
Have you got your tickets for the 2017 MCE Ulster Grand Prix?
Congratulations to all of the prizewinners, who will be contacted individually.
Thank you to all who supported the Annual Ballot. The Ballot is a very important source of revenue for the club and without your support we would be unable to honour our financial input to the Ulster Grand Prix.
Don't forget to call at our stand. You can save on postage by joining or renewing your membership at the show and collect your membership pack on the day.
The 2017 N.I Motorcycle Festival will include all the top motorcycle manufacturers and dealers who will be exhibiting their latest range of road bikes, quads and motocrossers. The motocross village will be back again with all the latest motocross bikes plus motocross gear and off road motorcycle clubs with all the information on how to get involved.
On Saturday 4th and Sunday 5th, World Superbike legend and "King of the Jungle" CARL FOGARTY will make a special guest appearance. A four-time WSBK Champion, Carl is renowned for his pure road racing exploits at the North West 200, Isle of Man TT and Ulster Grand Prix and a must not miss at this year's festival.
Outside activities will include Supermoto Racing, Drifting and Stunt Shows from THE PURPLE HELMETS that will wow the crowds with full on displays and demonstrations.
The MCE Insurance Ulster Grand Prix will host Northern Ireland’s only launch of road racing star Ian Hutchinson’s autobiography on Saturday 3rd December at the new Charles Hurst BMW Motorrad Showroom on the Boucher Road in Belfast.
The record-breaking Yorkshire-man who is the reigning MCE Ulster Grand Prix Man of the Meeting and one of the sport’s biggest stars will be at the event to meet and greet fans and sign copies of his acclaimed new book.
Hutchy will participate in a live Q&A followed by book signings at 10.30am and again at 1.00pm.
Many of you will be aware that over 3,600 letters of objection to the proposed planning application for a cemetery adjacent to Ireland's Corner, have been received by Lisburn and Castlereagh City Council, Planning Department. The Council recently placed this advertisement in the Belfast Telegraph.
Sam Glass Trophy Presentation 2016. Daniel Hegarty was awarded the Sam Glass Trophy after becoming the highest placed newcomer in the Superbike Race at the 2016 Ulster Grand Prix.
The presentation this year was made by Secretary, Gail Baillie and Treasurer, Paul McGovern.
Don't forget to call with us on the Ulster Grand Prix Supporters Club Stand for a chat.
Desmond Jardin was recently awarded the British Empire Medal.
Former UGPSC Secretary and Founder Member, Desmond Jardin, was recently awarded the British Empire Medal.
To commemorate the award, UGPSC President, Bertie Bradford recently presented him with a momento on behalf of the club.
Fresh from a spectacular week of racing at the 2016 event, the Dundrod & District Motorcycle Club has announced that Bike Week at the 2017 MCE Insurance Ulster Grand Prix will take place from the 7th - 12th August.
The key dates are practice sessions on Wednesday 9th August, the Dundrod 150 national races on Thursday 0th August and the main event, the MCE Ulster Grand Prix on Saturday 12th August.
The Ulster Grand Prix Supporters Club has met Lisburn & Castlereagh City Council to hand over more than 3,000 objection letters to plans for a 96-acre cemetery on the Ulster Grand Prix circuit.
These will be added to the letters of objection already received by the council’s planning department, making it close to 3,500 objections within just a few weeks of the initial submission of the planning application.
The Ulster Grand Prix Supporters Club and promoters of the Ulster Grand Prix, the Dundrod & District Motorcycle Club, are united with a majority of local residents in their opposition to the planned cemetery site on Quarterland Road, Dundrod, for which the only access would be via the world famous motorcycle racing circuit.
Des Stewart, Chairman of the Ulster Grand Prix Supporters Club said: “With a hugely successful 2016 UGP just behind us, we are heartened that race fans far and wide feel strongly enough about the impact these plans could have on this international event to submit a letter of objection to Lisburn & Castlereagh City Council.
“During the Ulster Grand Prix the public roads are closed for three days, including the Quarterland Road, which is the only access point into the planned cemetery,” added Mr Stewart.
“It is customary in this country for burials to happen within three or four days of a death, and for daily access to be afforded to those who wish to visit graves. We just do not see how we could run this event in harmony with the daily business of a cemetery of this size and scale.
“I would like to reiterate that we feel that the applicant’s suggestion that they would close the cemetery on the days of racing is unpractical and unsustainable.
“Furthermore, I believe that planning has been granted for a cemetery and crematorium outside Moira with potential for expansion, also in the L&C area which is more centrally located and served by an excellent road network. When this comes to fruition any argument about the need for a cemetery in Dundrod would be entirely negated,” he said.
Alderman James Tinsley, Lisburn & Castlereagh City Council added: “Dundrod sits within my constituency, I have listened to the concerns of many local residents and am in agreement that this plan is not viable.
“Setting aside the potential negative impact this proposed cemetery might have on the Ulster Grand Prix, it is very difficult to see how this plan is viable from an infrastructure perspective.
“The country roads around Dundrod would not easily cope with the much higher volume of traffic a cemetery of this size would bring, and we must also consider the already elevated accident rate and the area’s propensity for inclement weather which forces the roads to close several times a year,” he added.
The Dundrod & District Motorcycle Club and the Ulster Grand Prix Supporters Club invite local residents and the wider racing community to write to the council voicing their objections.
The address is: Local Area Planning Office, Lisburn & Castlereagh City Council, Island Civic Centre The Island, Lisburn, BT27 4RL. Quote planning reference LA05/2016/0700/O.
Promoters of the Ulster Grand Prix, the Dundrod and District Motorcycle Club (DDMC) and the Ulster Grand Prix Supporters Club (UGPSC) are together urging race fans and Dundrod residents to oppose plans for a 96 acre cemetery on the race circuit.
The two organisations say they are united with a majority of local residents in their opposition to the planned site on Quarterland Road, which have been submitted to Lisburn & Castlereagh City Council. A number of local politicians including Alderman James Tinsley have met with DDMC, UGPSC and the residents on several occasions and are fully supportive of the opposition.
The only access to the cemetery would be via the Ulster Grand Prix circuit.
"This proposal is fundamentally incompatible with the long established Ulster Grand Prix circuit," said Robert Graham, Chairman of the Dundrod & District Motorcycle Club.
"This event is one of the biggest annual events in the road racing calendar, attracting tens of thousands of visitors from across the world. The economic impact is significant; spectator spend alone generates an estimated £2.5 million every year, and there are more than 10,000 commercial bed nights.
"In social and cultural terms, the Ulster Grand Prix is part of the established fabric of the area and all steps must be taken to protect this important local event.
"The applicant has suggested the concept of closing the cemetery on the days of racing, which is simply not practical. In planning terms, such a condition would be viewed as unreasonable and we believe this suggestion to be meaningless because it is clearly unsustainable.
"There's also the flexible road closing order 'Road Races (Northern Ireland) Order 1986 Amendment Act (Northern Ireland) 2014' to consider, whereby we can swap the day the roads close with 24 hours notice to avoid cancellation of the race altogether due to inclement conditions.
"What would we then do if we changed racing from a Thursday to a Friday only to discover that numerous burials had been planned for that day? It would create utter chaos and an impossible situation," he added.
Des Stewart, Chairman of the Ulster Grand Prix Supporters Club said: "The cemetery proposal will serve the Greater Belfast area and with such a large population base, it is likely that there would be frequent funerals and visitors to graves on a daily basis, just like at Roselawn.
"It is customary in Northern Ireland for funerals to be held within three or four days of a death, and for daily access to be afforded to those wishing to visit graves.
"The ambience of a cemetery of this magnitude is irreconcilable with the nature of a high adrenaline sport such as motorcycle road racing, during which the public access roads to the cemetery would be closed, and I just do not see how the two can co-exist in harmony.
"We believe that if it were to go ahead, it could seriously hinder our ability to continue to run one of Northern Ireland's longest running and largest outdoor events, and one which has a massive economic impact," stated Mr Stewart.
Robert Graham added: "Quite apart from economic implications of disruption to such a large scale event, we believe that the infrastructure in the area would be unable to cope with the sheer volume of traffic that a cemetery of this size would bring.
"The accident rate in that area is already high and given the mountainous terrain, roads are regularly affected by and forced to close due to climatic conditions such as snow.
"There are no streetlights, no footpath, no public transport links and the fields are often waterlogged. We cannot fathom how this site has been chosen as an appropriate location for a business of this nature. It is simply not suitable."
The Dundrod & District Motorcycle Club and the Ulster Grand Prix Supporters Club invite local residents and the wider racing community to write to the council voicing their objections. The address is: Local Area Planning Office, Lisburn & Castlereagh City Council, Island Civic Centre, The Island, Lisburn, BT27 4RL. Quote planning reference LA05/2016/0700/O.
Promoters of the MCE Ulster Grand Prix have announced the release of a new fan app, designed by Sportego.
The app, which is free to download to Android and iOS devices, provides fans with the latest news, rider statistics, circuit information and details on ticket purchase and more.
The app has been purposefully designed to combine informational and interactive features, allowing fans to easily access the MCE Ulster Grand Prix website, YouTube and the MCE UGP Facebook and Twitter accounts. There is also an interactive “Tagboard” which is streamed to the app, and allows fans to share their thoughts and photos, all at the click of a button.
Clerk of the Course at MCE Ulster Grand Prix, Noel Johnson said: “This app is a fantastic means of encouraging people to engage with Bike Week. It will allow users to learn more about their favourite competitors, the circuit set-up and even gives up to date weather information to ensure that fans can be where they want to be, when they want to be, and can be dressed appropriately for the weather too!
The Ulster Grand Prix is proud to announce that its new title sponsor is the UK and Ireland's number one bike insurer, MCE Insurance.
The high profile, independently owned motorcycle insurance company, who also headlines the British Superbike Championship, has agreed a significant three-year deal to sponsor the world's fastest road race, which will now be known as the MCE Insurance Ulster Grand Prix.
Commenting on the deal, MCE's CEO Julian Edwards said: "We are incredibly proud to finally release the news that we will be the title sponsor for the MCE Insurance Ulster Grand Prix.
"We have been interested in sponsoring a road racing event over in Ireland ever since we began offering insurance for Irish bikers back in 2014, when the opportunity at the Ulster came up it was one we just couldn't refuse! With such an incredible history, the event truly is a jewel in the road racing calendar!
team. Racing is in our blood here at MCE and this is a very exciting new chapter for us."
"We are truly delighted to make this major announcement, which marks the beginning of an exciting new chapter for the Ulster Grand Prix," said Noel Johnston, Clerk of the Course at the Ulster Grand Prix.
"We've seen and been impressed by the support MCE Insurance has offered the BSB in the past eight years. This a company that understands bikes and the mentality of both bikers and bike fans, making it a fantastic fit for us and one which we believe will allow us to really build our profile as the world's fastest road race across the UK, Ireland and beyond.
"For us, MCE's decision to commit to a three year deal is a clear demonstration of confidence in the strength of our event, which undoubtedly offers some of the most thrilling racing seen anywhere on the roads, and its ability to offer significant exposure and value to its partners.
"It goes without saying that there would be no event without the support of our stakeholders, and this is an opportunity for us to thank MCE for getting involved, as well as organisations such as Lisburn & Castlereagh City Council, Tourism NI and the Ulster Grand Prix Supporters Club, plus a wide range of private sector sponsors for their ongoing support. We will have more news on this front in the coming weeks.
"As our recent decision to introduce a superpole qualifier for the superbike class for the first time in road racing shows, we are working hard behind the scenes to deliver another spectacular week of racing this August, and I don't think the fans will be disappointed," added Noel Johnston.
The MCE Insurance Ulster Grand Prix will take place between 8th - 13th August at Dundrod, Co. Antrim.
Key events are the Dundrod 150 on Thursday 11th August and the Ulster Grand Prix on Saturday 13th August. There will be practice sessions on Wednesday 10th and Thursday 11th August and a full programme of entertainment each night in the hospitality marquee.
General admission wristbands and tickets for the Joey Dunlop Grandstand are now on sale with Ticketmaster.
Twitter @UlsterGrandPrix and find us on Facebook.
The draw for the 2016 Ballot took place at the recent Annual General Meeting.
All prizewinners have been notified.
After many years as hard working club President, Andy Pinkerton has decided that it is time to hand over the reins. Andy’s successor was elected at the recent Annual General Meeting and is long serving committee member, Bertie Bradford.


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Mathematics in Science and Industry (MSI) is the official journal of the Canadian Applied and Industrial Mathematical Society / Societé Canadienne de Mathématique Appliquées et Industrielles (CAIMS/SCMAI). We invite contributions in all areas of applied and industrial mathematics.
MSI is an international journal that publishes mathematically innovative research papers and review papers on topics relevant to real-world applications. Typical mathematical methods include, but are not limited to: dynamical systems, ordinary, partial, and stochastic differential equations, variational methods, optimization, numerics, stochastic processes, probability, models of mathematical physics, mathematical finance, fluids, mechanics, mathematical biology, and mathematical medicine. Applications include physics, geophysics, finance, biology, microbiology, medicine, epidemiology, engineering, industrial applications, chemistry, nano-technologies, computer science, social sciences, and other sciences.
Articles in MSI contain a closing section (typically called Discussion or Conclusion) that relates the results to the application discipline in a format that is accessible to non-experts. Authors are encouraged to submit English and French abstracts, with the paper itself being in English.
To help promote the new MSI journal, the official journal of CAIMS/SCMAI, please consider posting a flyer in your department or at appropriate events. Downloads are provided on Letter Paper or A4 Paper.
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Thomas Hillen (thillen@ualberta.ca) and Ray Spiteri (spiteri@cs.usask.ca).
Special issues: Proponents of special issues will be guest editors for the special issue and also write a preface (2-3 pages) for the issue.
(c) Mathematics in Science and Industry, the official journal of CAIMS/SCMAI, published by AIMS.
The Canadian Applied and Industrial Mathematics Society, which dates from 1979, has a growing presence in industrial, mathematical, scientific and technological circles within and outside of Canada.

industry_corpus2: Math & Statistics


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