Expanded polystyrene insulation and polyisocyanurate foam polyiso are the two main insulation types used in EIFS in North America. Overseas, many other types of insulation are used to make EIFS, such a mineral wool and “glass foam.”

[Inter-Korea] :
The government reiterated that it will take “effective and phased” steps, in line with the principles of composure and restraint, in response to the battlefield deployment of North Korean troops in support of Russia in its war against Ukraine. Speaking to local reporters on Thursday, an official at ...

[more...]

Walter Flores was unemployed for 8 months in 2014 but is now working in sales for Workforce Solutions in Compton; Credit: Brian Watt/KPCC

California's unemployment rate continued its decline in December, ending the year at 7 percent, according to figures released Friday by the state Employment Development Department.

But in Compton, Willowbrook and the Florence-Graham section of Los Angeles County, it remains about double that, data show.

“You might have work this week. But next week, you won’t have work,” said James Hicks, 36, 0f Compton. He's worked in warehouses through staffing agencies, but said the jobs have always been temporary.

Statewide, California has added jobs at a faster rate than the United States for three straight years, according to Robert Kleinhenz, Chief Economist with the Los Angeles County Economic Development Corporation. He pointed out the statewide unemployment rate is now where it was June 2008. 

"All in all, with the recession now five years back in our rearview mirror, we’re finally at the point where we can say that we have shrugged off quite a bit of the pain that occurred back during those times," Kleinhenz said.

The Los Angeles County metro area saw a net gain of almost 71,000 jobs in 2014.  The County's overall unemployment rate has fallen to 7.9 percent from 9.2 percent a year ago.

But Compton's unemployment rate was 13 percent in December.

“I’d rather have a  full-time type of gig, working 40 hours a week, but right now, even if you get 25 hours, it’s a blessing,” said Hicks, the warehouse worker in Compton.

On Thursday, he interviewed to be a guard with a security firm, but was told there weren’t any positions available. He had another security guard job six months ago that he thought might become full time and permanent. 

"It was going all right for about two to three months, until they cut my hours and days," Hicks said. 

Walter Flores lives in La Mirada but currently works as an account executive in the Compton office of Workforce Solutions. He was unemployed for about eight months last year after a car accident.

"Losing what you love to do is a tough one, but I'm back," he said. "2015 is going to be a great year."

Flores said most major warehouse and logistics companies prefer to hire temporary workers through industrial staffing firms like the one where he's working because their needs are sporadic.  

But he said it's still a potential opportunity.

"It doesn't matter that it's a temporary position, as long as you put your foot in the door, and then you let the employer know how much value you are for the company," Flores said.  

Hicks, who's earned a GED, wants to find a program to study physical therapy. But first, he’d like to find a job. 

He said you can't judge Compton’s residents by its unemployment rate.

"Some of us out here who [are] looking for jobs, but sometimes it’s the luck of the draw," he said. "It’s kind of scarce out there.” 

This content is from Southern California Public Radio. View the original story at SCPR.org.

For many of us creative folks, periods of low inspiration and creative block are inevitable. Max Kent also felt disconnected from his craft, but found...

The post From burnout to breakthrough: Five key steps to breaking the creative block appeared first on DIY Photography.

Event Begins: Thursday, November 14, 2024 9:00am
Location:
Organized By: University Career Center

Did you know that if you have at least a bachelor's degree in any area, you may be eligible for teaching certification? During this virtual information session, you will learn about the steps to become certified to teach in Florida and get a snapshot of our career opportunities, benefits, employee perks, and more!To receive a meeting link, register here: https://forms.office.com/r/MMpsLGrGRiThe Osceola School District is located in Centra Florida - https://www.osceolaschools.net/Connect with us!https://www.linkedin.com/company/osceolaschoolsfl/https://www.facebook.com/SDOCHumanResources.  

If you're a roofing contractor trying to learn how to market effectively in the digital age, you've probably come across the term "content marketing."

In this episode of the Brave Commerce podcast, hosts Rachel Tipograph, founder and CEO of MikMak, and Sarah Hofstetter, president of Profitero, sit down with Meghan Archer, vice president of digital commerce at PepsiCo. Archer shares her unique career journey from consumer electronics at T-Mobile, to a dynamic decade at Amazon, to her current role...

MEPs debate future EU-US relations against backdrop of US administration change

The Stranger's morning news round-up. by Nathalie Graham

Windy in Washington: High winds swept across the Olympic Peninsula overnight. The gustiest gales reached nearly 70 miles per hour in Hoquiam. Winds remain higher than normal and Washington State Ferries says it could impact ferry rides today. If anything, the ferry rides will be bumpier than normal.

Rain, rain, rain: Soggy conditions continue to saturate Seattle. Don't think about when you will see a clear day again—it's not worth it. 

Moderate to heavy rain will continue to move into the region this morning as a strong system moves across W WA. Have a morning commute? Best to slow down and give yourself a little extra time to get to your destination. Rain will transition to showers through the day. #wawx pic.twitter.com/k2PrlLJE5Z

— NWS Seattle (@NWSSeattle) November 13, 2024

Ashley's got some news you can use.

We’ll miss you, Dow: King County Executive Dow Constantine announced last night he would not seek a fifth term in 2025. It’s the end of an era for the county, which Constantine has helmed since 2010. During that time he’s championed funding transit, early childhood education, and housing. He also promised to end youth detention and close the child jail, which he’s kind of skipping out on. But all in all, Constantine pushed for pretty progressive policies and deserves a solid pat on the back for consistency and knowing that when you have power, you can just do stuff and make people accept the results. And you can get lots of haircuts. That’s cool, Constantine. Grab drinks with me and Hannah soon. 

But, onward: King County Council Member Claudia Balducci announced Wednesday she planned to run for Constantine’s seat. I rode around with Balducci ahead of her announcement on a little tour of everything she’s done for the Eastside, from her years as a Bellevue City Council Member to her time as Mayor and finally to her time on the King County Council. Balducci, a transit buff, plans to ride a train straight through King County’s glass ceiling and become the first woman to earn the title of King County Executive.

Thanks, Ashley! Back to the rest of the news.

Low voter turnout: Washington state had the lowest voter turnout this election since 2000. According to the Seattle Times, fewer than 78% of the state's registered voters cast a ballot. That's down significantly from the 84% of people who voted in 2020.

Kum & Go? More like Kum & Gone: The midwestern gas station chain is changing its name after 49 years of cum jokes.

Oh, we are so cooked: President-elect Donald Trump is in the midst of hand-picking his cabinet in a process that feels like the Avengers assembling except instead of superheroes these Avengers are the worst people you've ever heard of. On that list now is our new defense secretary. The person Trump picked to lead the world's biggest and most powerful military is, you guessed it, Fox News host Pete Hegseth. The move stunned the Pentagon. The Fox & Friends Weekend co-host is a National Guard officer. He is against "woke" diversity and inclusion programs, is skeptical about women in combat, and has spoken about pardoning war crimes. 

Trump apparently just named Fox News host Pete Hegseth his secretary of defense?

[image or embed]

— Parker Molloy (@parkermolloy.com) November 12, 2024 at 4:11 PM

Dog killer at the Department of Homeland Security (DHS): Trump picked South Dakota Gov. Kristi Noem, who infamously shot her dog instead of training it after it misbehaved, to lead the DHS. The role should be important in an administration that wants to conduct mass deportations and clamp down on border security. 

The Department of Government Efficiency: Trump announced the creation of a new government office designed to "dismantle Government Bureaucracy, slash excess regulations, cut wasteful expenditures, and restructure Federal Agencies." Elon Musk and failed presidential candidate Vivek Ramaswamy will lead the office. During his campaign, Ramaswamy said he wanted to cut down on government spending and discussed eliminating the FBI, the Department of Education, and the Nuclear Regulatory Commission to do that. Musk, meanwhile, wants to just meme about it all. The acronym for the department is DOGE, Musk's favorite meme. Will the two be able to keep the posts despite clear conflicts of interest? We'll see. Please, someone stop the edge lords. 

wait why does the dept of government efficiency have two co-chairs

— Caitlin Gilbert (@caitlingilbert.bsky.social) November 12, 2024 at 6:15 PM

So much for justice: Special counsel Jack Smith, the guy in charge of the Justice Department cases against Trump, announced he will resign before the beginning of Trump's term. During his campaign, Trump promised to fire Smith within “two seconds” of taking office. Smith has two outstanding cases against Trump, and he plans to write a final report on both before stepping down.  

Hell is empty and the devils are here: A Michigan community theater put on a production of The Diary of Anne Frank. Several Nazis gathered outside waving swastika flags and shouting racist and antisemitic slurs.  

Something to listen to: A friend recently turned me onto this radio drama about a space mission. I've barely scratched the surface of the series, but so far it's a nice escape. 

Artist Christina Spann considers art a conversation or a symphony…

The company’s 83-year-old chairman, John Malone, will be the interim CEO.

Je to zvláštní přelom roku. V září bylo 35 let mně. V listopadu je 35 let tuzemské demokracii. A v dubnu bude 35 let Reflexu. O sobě mluvit nechci, ty druhé dvě další věci jsou důležitější a jako stejně starý člověk si je dovolím hodnotit. I když se to tak ve vašem okolí nemusí zdát, současný politický sy­stém je stále to nejlepší, co dokázalo lidstvo vymyslet. A časopis Reflex má pořád co říct.

Donec et orci aliquet nisl suscipit molestie sed sit amet tortor. Duis vel urna ac mi sollicitudin lacinia mollis sit amet lorem. Sed finibus erat nec libero scelerisque fringilla. Morbi at orci sed urna vulputate vulputate. Nulla facilisi. Donec et orci aliquet nisl suscipit molestie sed sit amet…

The huge dust storm - also known as a haboob - limited visibility and left many residents in the dark.

A Philadelphia judge has explained why he didn't shut down Musk's $1M-a-day sweepstakes last week.

Hamish Wilson, 18, from Crowborough, had just started university and was studying Philosophy.

World Diabetes Day 2024: Altering night-time routines can be an effective strategy in managing diabetes, here's how.

Nadhmi Al-Nasr’s successor, Aiman al-Mudaifer, currently head of PIF's Local Real Estate Division, will serve as Neom’s acting CEO.  

• Hike in petroleum levy, imposition of GST on petroleum products not expected anytime soon
• Govt sees economic activity picking up next month due to stable rupee, lower policy rate
• Senate body points to issues in Islamic banking, fraudulent POS receipts, fake ATM notes
• 10pc levy on transport with Iran has left over 600 trucks stalled

ISLAMABAD: The Inter­national Monetary Fund (IMF) is reported to have expressed satisfaction over the increase in the tax-to-GDP ratio by nearly 1.5 percentage points, relieving the authorities from any push for additional tax measures through a mini-budget.

According to sources closely involved in ongoing discussions with the visiting IMF mission, the Federal Board of Revenue’s (FBR) revenue collection target for the current fiscal year will remain unchanged at Rs12.97 trillion. Authorities have ruled out the need for additional taxes or a mini-budget, citing the IMF’s positive response.

Officials said that economic activity is expected to pick up by December in view of a stable exchange rate and a reduction in the State Bank’s policy rate, likely offsetting a tax shortfall of around Rs190 billion recorded in the first four months (July to October) of the fiscal year.

There would neither be any increase in the petroleum levy nor would general sales tax (GST) be imposed on petroleum products, the sources said after a meeting of the Senate Standing Committee on Finance and Revenue presided over by PPP Senator Salim Mandviwalla.

They said the tax-to-GDP ratio had increased from 8.8pc to 10.3pc and the IMF was satisfied with this 1.5 percentage point improvement.

The sources reiterated the commitment given to the IMF that tax collection on agriculture income would start from the next fiscal year. They said that tax reforms were progressing and the draft Tax Laws Amendment Ordinance 2024 had been presented to the prime minister for approval. The ordinance contains a new family income tax return system and abolishes the concepts of non-filers and late filers.

The sources, however, hinted at tinkering with the Tajir Dost Scheme to effectively bring in traders into the tax net and said these were being discussed with the IMF mission during the ongoing meetings.

The IMF has been told that the FBR collected Rs12bn from retailers during the first quarter of 2024-25, although only 500,000 potential retailers were the target out of three million small shopkeepers.

‘Slow progress on Islamic banking’

Earlier, the Senate panel decided to call scholars of the Council of Islamic Ideology to have input on the working of Islamic banking operations in Pakistan, for which a special session would be arranged.

The central bank’s deputy governor told the panel that Riba was the main difference between conventional banking and Islamic banking.

Senator Farooq H. Naek pointed out that full implementation of Islamic banking was committed for 2027, but progress had been very slow. The SBP’s deputy governor emphasised the need for continued deliberation on Islamic banking and assured the committee that several banks were actively working towards compliance.

FBR Chairman Rashid Mehmood Langrial told the panel that FBR’s enforcement would be improved in the coming months after approval of a transformation plan, including enhancing the board’s operational expertise, organisational capacities and anti-smuggling measures.

Key discussions during the meeting included the contentious 10pc levy on transport and businesses between Pakistan and Iran, raised by Senator Manzoor Ahmad Kakar in a Senate session. The committee resolved to report to the house that the issue may be referred to the Standing Committee on Communications, noting that the levy, imposed with the federal government’s approval, did not pertain to the Federal Board of Revenue.

While FBR officials emphasised that this specific tax was not their responsibility, Senator Kakar raised concerns that Pakistani trucks were being unfairly taxed, with over 600 trucks currently parked due to the levy. The committee agreed to forward the matter to the Communications Committee for further deliberation.

The committee also discussed concerns raised by Senator Mohsin Aziz regarding the fee collected by FBR for point of sale (POS) services and its utilisation. The FBR chairman confirmed the introduction of a policy to penalise businesses that are issuing fake POS receipts, imposing fines of Rs500,000 and shutting down shops involved in such practices.

Senator Aziz highlighted weaknesses in enforcement, with some fake receipts circulating in the mar­ket, including a bill in Islamabad marked “tentative”. The FBR chairman acknowledged the issue and assured that enforcement mea­sures would be strengthened soon.

A key briefing by the SBP highlighted the performance of banking branches in smaller provinces, revealing that as of June 30, 2024, there were 3,334 banking branches operating in Balochistan, Khyber Pakhtunkhwa, Azad Jammu and Kashmir and Gilgit-Baltistan, accounting for 20pc of the total nationwide branches. Additionally, 199 branches of microfinance banks were serving these regions, representing 13pc of the country’s total microfinance network.

Another pressing issue discussed was the problem of counterfeit currency dispensed from ATMs. Senator Kakar cited a case where a young man received fake Rs5,000 notes from an ATM. The CEO of a commercial bank assured the committee that security measures were being enhanced to address this issue.

Published in Dawn, November 14th, 2024

Gland Pharma beat muted expectations for Q2FY25. There was increased Ebitda (Earnings before interest, taxes, depreciation and amortisation) loss at Cenexi, the CRAM subsidiary. However, overall Ebitda margin was better than expectations at 21.1 per cent. But given two years of earnings decline in FY23 and FY24, the business may have bottomed and upper-teens EPS (earnings per share) growth looks possible over next two financial years.

The $1 million voter sweepstakes linked to billionaire Elon Musk was allowed to continue through Election Day because Philadelphia's top prosecutor failed to show that it was an illegal lottery, a judge said in a new opinion.

Savard, M M; Jautzy, J J; Lavoie, D; Dhillon, R S; Defliese, W. Geochimica et Cosmochimica Acta vol. 298, 2021 p. 43-54, https://doi.org/10.1016/j.gca.2021.01.041
<a href="https://geoscan.nrcan.gc.ca/images/geoscan/20200080.jpg"><img src="https://geoscan.nrcan.gc.ca/images/geoscan/20200080.jpg" title="Geochimica et Cosmochimica Acta vol. 298, 2021 p. 43-54, https://doi.org/10.1016/j.gca.2021.01.041" height="150" border="1" /></a>

The news comes a day after confirmation that he will leave the BBC's Match of the Day.

Ronald, an OMer working with the youth in the Netherlands, sees God change young men’s hearts at TeenStreet Europe.

As workers wonder how to reach people with the good news, they find God has already prepared the way.

European youth more than ever need good relationships with adults, says OM Europe’s Empowering Kids&Youth team, who focus on positively impacting Europe’s next generation.

After ministering for many years on Santay Island, the OM Ecuador team saw three men come to Christ.

If you like your job then there’s every chance that you will do it to the best of your ability and excel at it. There’s every possibility that you may face challenges once in a while, but then if you are passionate about your work

Epsilon, the global leader in creating connections between people and brands, today announced that it was named a Leader in the January 2016 report �The Forrester Wave�: Customer Loyalty Solutions For Large Organizations.

'When I see people's faces I can see that there is a certain sadness in their eyes which makes me unhappy as a person.' 'I want to see people happy in their lives.'

An update on author and music journalist Harvey Kubernik's recent activities. And there's even more on Kubernik's Korner!

1. Manage your energy, not your time.
If you take a moment to think about it, you will probably realize that you are better at doing certain tasks at certain times. For example, my creative energy is highest in the morning, so that is when I do my writing each day.

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Every business owner should be forecasting sales. You may use actual numbers if you have historical financial records. But what do you do if you have nothing to refer back to? You will need to determine how many potential customers are there and how many of these potential customers are likely to buy from you, decide the average sale per customer, and then project this out for the year.

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From making a financial plan to creating an exit strategy, here are some helpful tips for establishing and running your small business.

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Your personal brand is how you appear to the world. Therefore, it serves to reason that a strong brand is preferable to one that is unpolished and uninteresting.

Once people know who you are and begin to identify you with a specific area of understanding or expertise, you will be well on your way to becoming the go-to person in your niche or industry.

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If you think so, or at least want to explore the idea, SCORE and our mentors are ready to assist you confidentially and at no charge. It’s a long, winding road to entrepreneurial success. The more advocates you have, the better chance you have to realize your dream.

Do not go into business if you know little or nothing about it.

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Small businesses generally face harsher circumstances when it comes to planning and launching a marketing campaign. They have less revenue and capital, which means they’re more limited in the strategies they can pursue. They have fewer resources, which means their teams are smaller and less experienced. And they generally have less data and first-hand experience with which to strategize in the first place.

One of the best marketing strategies for small businesses is content marketing, due to its approachability and affordability, but creating a content marketing strategy can still be an intensive and intimidating process.

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Numbers do not lie, and the statistics are in -- there is a gender gap in salaries. There are varying statistics with different percentages, but the discrepancy is out there. Data from PayScale shows the difference in parity between controlled and uncontrolled pay gaps. The World Economic Forum shows gender gaps is a problem on a global level. But, how do employers structure and communicate salaries without any inequality?

After leading a small business human resources and operations department for 13 years, I know the answer is simple: Keep your policy simple and communicate it well.

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Going into business for yourself is a big deal. There is always a long to-do list and you will find yourself wearing many different hats from time to time. Your business is more of a hobby if you are not making money. Properly managing and organizing your small-business finances can contribute to the success of your business and make sure you’re hitting your profit goals. Like personal finance, there are plenty of ways to organize your small-business finances depending on what your goals are.

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Running a business often means you have your hands in every aspect of the company. You are managing day-to-day tasks and making crucial business decisions all at the same time. It's no wonder small-business owners can often lose sight of the forest for the trees and get mired in the task of simply getting through each day.

Taking a step back gives you a tremendous amount of insight that not only reenergizes you to keep going, but can lead to crucial business decisions that transform and grow your business. Finding a way to build that inspiration into your life is not just a luxury—it is a necessity if you want to maintain a thriving business.

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Not every step you take to move your business forward will be a big one. But sometimes, even small steps can make a large impact on your future. Here are some recent tips and insights from members of the online small business community about big and small steps you can take to really make an impact on your business.

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Small businesses can be more vulnerable to cyberattacks than larger companies because they often do not have sophisticated and comprehensive systems to protect themselves from hackers, viruses, malware and whats called ransomware. And owners who are focused on customers and employees may not ensure that their defenses are up to date.

But there are things small businesses can do to improve cybersecurity.

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Whether you are a freelance photographer, own a hardware store, or have another type of small business, a great website is essential for your companys success. As a webmaster who has worked on building or marketing over 100 small business websites, I know what it takes to create great and engaging business websites.

If you are looking to build a new startup website or make your current site more effective, here are 10 key steps to getting started and helping your small business website compete effectively in the online marketplace.

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Your 6-Step Guide to Successful Project Management

1. Define your goal and get buy-in from all project team members.

As you do this, you will want to determine each team member’s role and responsibilities. In this step, also consider how the project will affect your company and how you’ll measure the projects impact.

2. Determine the project deliverables.

What key tasks do team members need to accomplish to move the project along the path to completion? You will also need to identify which deliverables depend on other deliverables, so you can establish a timeline that puts tasks in a logical order.

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One of the great things about being in business these days – whether it is having a side hustle or a retail store or an online business – is that there is just so much free help available.

To wit: Last week, I held my most popular webinar ever (almost 4,000 people registered!) for SCORE, called 7 Steps to Starting on a Shoestring. SCORE is an amazing organization; more than 10,000 business volunteers who can help and mentor you (physically or virtually) on almost any aspect of your business – marketing, sales, taxes, whatever. And, like my webinar, many of SCOREs offerings are free.

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While small businesses make a huge impact when put together, individually they are often operating on small budgets. Which means small business owners need to be aware of every penny.

If you look at the worldwide cost of bad data, it is overwhelming. $3.1 trillion. If you operate a small business, you might just brush that huge number off. But the reality is, when studies put the cost of bad data at $100 per data record, it can add up quickly. Even if you only have 100 contacts—because 20% of your database is likely bad.

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Coming up with a business idea and starting a business can seem overwhelming and complicated. There are so many things you have to consider from coming up with an excellent idea to registering a company, all the way to business planning, fundraising and much more.

That is why we have put together this in-depth guide to take you by step by step through how you can start a business.

More info - https://entrepreneurhandbook.co.uk/starting-a-business/

Arguably the most critical aspect of digital transformation, digital payments ensure that small merchants or kiranas can continue to accept or send money and preserve cash flow in an increasingly contactless world.