2012 was an interesting year both for the country and for the
economy. For the country we had the present administration of the
federal government settling down to work and to do the business of the
day. Key areas of focus such as power, agriculture, manufacturing,
infrastructure were addressed and at the end of the year, privatisation
took place in the power sector and the process is ongoing and we feel
that with a lot of investment in power, production will go up in 2013.
For agriculture, the central bank had gotten involved in this a few
years ago and the minister of agriculture has stepped up and done a
nearly miraculous work. Bank lending to agriculture has increased from
one to three per cent and the target for 2013 is 10 per cent of
aggregrate lending. We are involved in new initiatives in lending to
agriculture. We are trying to make it more bankable.
You would
see that agricultural production had gone up in 2012 and there should be
continued efforts in 2013. Specific focus areas in 2012 where banks got
involved, apart from the general areas from cropping to animal
husbandry and processing, were direct initiatives in the area of
fertiliser and seeds financing. So, what you have is fertilisers getting
to the end users much more and also better quality seed is being
distributed at affordable prices to farmers. So, that has helped
production a lot and we should see that improve in 2013. On
infrastructure, we have seen the airport and we have seen a lot of road
contract taking place. State and federal governments are doing a lot on
infrastructure and much more deep-rooted things planned for 2013.
But security is still of concern, but it is fairly under control.Product information for Avery Dennison cable ties
products. A lot more still has to be done. I believe that the
assistance of the international community where you could get better
technological assistance would be of great help in resolving a lot in
the area of security. In the banking industry, I think 2012 was a year
of realisation of the efforts of the industry, the central bank's work,
AMCON and the economy as a whole for the industry to report
ground-breaking profits as an industry. The banks are relatively sound
and are all behaving responsibly and ready to support the growth of the
economy. There are good signs for the banking industry today as
competition is back. We have seen relatively stable interest rates with
inflation at 12 per cent, still high, but stable. Interest rates are
still a bit high,We can supply howo truck
products as below. but that was necessitated by the fact that
government's borrowing is still high and also due to the need to
stabilise exchange rates. So, the tightening of money supply pushes the
rates up. But we feel that 2013, interest rates should slide a bit. Some
of the things that are still holding interest rates where they are
include the need to maintain exchange rate. So, the tightening would
continue and the central bank would continue to maintain that stance as
long as there are signs that the exchange rate may go out of control.
So, that stability has enabled banks to plan, has also enabled companies
to plan and has created a platform for us to work and realise our
goals, so it was a fairly good year.
2013 is a new year that
comes with many financial working capital questions and concerns for
small business owners. TieTechnology’s Business Cash Advance recognizes
the new economic times that we live in and the need for alternative
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future receivables of a business. There are many business owners seeking
the money,Bottle cutters let you turn old glass mosaic
and wine bottles into bottle art! to expand, pay current bills, needed
promotional marketing costs or to make opportunistic buys. The beauty of
of this advance is that when your business is busy the advance gets
paid back sooner and when sales are slow it is paid back slower. This
means that there are no fixed payments. This type of merchant cash
advance is beneficial to merchants as the money is collected through the
merchant accounts batches every night. Many times the merchant will
choose to switch over their current credit card processing services to
TieTechnology Merchant Services for the purpose of one stop services and
support. TieTechnology can usually lower the merchants’ rates right
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Some business merchants automatically assume
that a merchant cash advance for business will be too expensive, but in
actuality the issue of focus should be on how the money advanced will be
used? If you spend $5,000, but make $15,000, then you come out $10,000
ahead. If a merchant does not take the opportunity to grow their
business they run the risk of being dated and left behind, thus making
it even easier for the competition to put them out of business.
The
qualification process for the credit card cash advance is quite simple.
In order to reduce the cost of a merchant cash advance, one can provide
all the necessary documentation upfront. This ensures that there is a
clear picture and understanding of the specific business industry.
Common documentation for this type of business capital loan is the
companies’ tax returns, profit and loss statements, and balance sheets.
One will want to provide good reasons why paying the business cash
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bank. If one’s company is driven by seasonal efforts, then providing one
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The next time
I went underground was on a tour to the 4,550-foot level of the mine,
in January of 2009. The Black Hills Pioneer was one of only three media
outlets that were allowed to tour the mine, and I felt honored. At that
time,We offers several ways of providing hands free access
to car parks to authorised vehicles. contractors were working to remove
old utilities and equipment from the former Homestake Gold Mine to
prepare it for excavation. That was before the ventilation system had
been installed, and I will never forget the heat and humidity was unlike
any I had ever experienced before. I am guessing that it was at least
95 degrees, with about 90 percent humidity, but those numbers are a
personal estimate. Let’s just say it was hot!
A much more
comfortable underground experience was when Lesko, Gov. Mike Rounds, T.
Denny Sanford and a host of other dignitaries stood proudly on a newly
dewatered 4,850-foot level to dedicate it as ready for development into a
science laboratory. June 22, 2009 was a jubilant day to say the least,
the celebration was warranted. Officials had achieved what many had
deemed impossible in “dewatering” the mine for science. But there was
much work to be done, as the walls were still bare, the floor was still
rock, and the scene was still that of an underground gold mine.
It
was several years later when I would return underground to see the
finished lab. Though I had reported on its progress, I was unprepared
for what I saw. The place looked like any other ultra-clean laboratory
above the surface of the earth. The shotcreted walls, a concrete floor
shined to a high glossy finish, brand new infrastructure, and a feel for
science was truly a testament to the monumental work local craftsmen
and master constructors had done to make the lab a reality.We mainly
supply professional craftspeople with wholesale turquoise beads
from china. By the way, did I mention that the majority of the labor
was done by former Homestake workers and/or local residents?
On
Thursday, going underground was the icing on the cake. I watched
scientists in action. This is what all of these years of reporting is
all about. This is the whole purpose of the project. To watch them
working in their designated, ultra-clean area of the lab, maintaining
their level of positive energy and enthusiasm for the discoveries they
expect to make in such a first-class facility, was nothing short of
extraordinary to a reporter like me, who once ruined a pair of jeans on
that orange muck the miners warned me about.
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