What are my responsibilities?

• You need to inform the builder and the bank of any problems, concerns or delays in the building process. The bank does not act as clerk of works on your behalf. You may want to appoint a suitable qualified professional person to supervise or oversee the project. It is important to note that you have appointed and contracted with the builder, and all disputes must be discussed directly with the builder and the NHBRC where deemed necessary.
• You must ensure that the contract you sign with the builder does not comprise of any conditions which will be prejudicial to you. If you need to, consult with a legal advisor or a suitably qualified professional to assist you before signing the contract.

• You should request progress payments only if you are satisfied with the actual construction progress and the amount requested by the builder.
• You should ensure that you and your builder understands all the bank's conditions of the loan and that all the conditions are being complied with at the times required or stipulated by the bank.
• You need to ensure that on completion of the building your Home Owner's Cover Insurance is in place. The builder's All Risk Insurance Cover only provides cover from the date when construction commences until date of completion or occupation.
• Do not commence building prior to registration of the bond.
• Do not sign blank progress payment requests or post dated requests with the builder or attorney under any circumstances, as this could result in unauthorised amounts being applied for. Progress payment forms must be signed by all parties. Signing the progress payment request confirms that you are satisfied with the progress and the amount requested by the builder.
• It is imperative for you to service your inter

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• im interest by making regular monthly repayments to avoid any shortfall that may occur. (Failure to service your interim interest means that the amount available for the builder to utilise to complete the building will be reduced as this amount will be deducted for interim interest). The servicing of repayments remains the responsibility of the mortgagor, not the builder.
• The bank must also be notified of any deviation from the tender, change in nominated builder, plan and specifications submitted to the bank initially as this could affect the loan amount approved and ultimately the assessed market value of the property. The bank needs to under such circumstances pre-approve the deviations/changes once the loan has been fully re-assessed. The bank reserves the right to decline such deviations.

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Google Industrials

News
Essex Rental Corp. Reports 2015 Second Quarter Results
Business Wire (press release) - Aug 5, 2015
Essex Rental Corp. (ESSX) Announces Quarterly Earnings Results
sleekmoney - Aug 7, 2015
Hot Stock List: Boston Scientific Corporation (NYSE:BSX), Bonso Electronics ...
Stock Transcript - Aug 18, 2015
Most Volatile Stocks: Bonso Electronics International Inc. (BNSO), AVEO ...
WallStreet Scope - Aug 17, 2015
News Buzz: NF Energy Saving Corp. (NASDAQ:NFEC), Chiasma, Inc. (NASDAQ:CHMA ...
Stock Transcript - Aug 18, 2015
Why Need to Watch: Calpine Corp. (NYSE:CPN), Bonso Electronics International ...
Stock Transcript - Aug 17, 2015
Morning Watch List: Calpine Corp. (NYSE:CPN), Bonso Electronics International .....
Stock Transcript - Aug 17, 2015
Company Shares of American Electric Technologies, Inc. Rally 4.31%
The Daily Rover - Jul 27, 2015
Below $0.4, Essex Rental Is A Bargain Based On Liquidation Value (ESSX)
Seeking Alpha - Aug 11, 2015
Friday's Morning Insights: Air Lease Corporation (AL), NF Energy Saving Corp...
WallStreet Scope - Aug 14, 2015
All news for Industrials »
 Subcategories
Industrial Goods
Industrial & Commercial Services
Industrial Conglomerates
Transportation


Top moversGenerated 6 hours ago
Gainers (% price change) Last Trade Change Mkt Cap
LML Payment Systems, Inc. LMLP 25.23 +21.79 (633.43%) 712.66M
Photronics, Inc. PLAB 8.50 +0.75 (9.68%) 509.40M
Axcelis Technologies Inc ACLS 3.33 +0.15 (4.72%) 363.30M
Acacia Research Corp ACTG 9.00 +0.30 (3.45%) 447.91M
LMI Aerospace, Inc. LMIA 11.80 +0.36 (3.15%) 150.63M
Losers (% price change)
China Distance Education DL 9.50 -2.00 (-17.39%) 405.93M
NL Industries Inc NL 4.17 -0.37 (-8.15%) 223.20M
NN, Inc. NNBR 24.52 -1.75 (-6.66%) 686.29M
Navios Maritime Partners NMM 8.61 -0.55 (-6.00%) 772.06M
DeVry Education Group Inc DV 25.49 -1.56 (-5.77%) 1.65B
Most Actives (dollar volume)
General Electric Company GE 25.73 -0.34 (-1.30%) 261.18B
Precision Castparts Corp. PCP 231.01 +0.13 (0.06%) 31.74B
Caterpillar Inc. CAT 77.39 -1.43 (-1.81%) 47.20B
Delta Air Lines, Inc. DAL 47.08 -0.28 (-0.59%) 37.47B
Boeing Co BA 142.74 -1.86 (-1.29%) 97.77B
Companies 1 - 20 of about 748 in Industrials
Company Quote Change Change% Market Cap P/E (ttm) Ann. Revenue Ann. Net Income
LML Payment Systems, Inc. 25.23 +21.79 633.43 712.66M 222.23 34.92 6.73
Bonso Electronics International Inc. 1.55 +0.20 14.81 7.04M - 31.30 -0.22
NF Energy Saving Corp 1.17 +0.15 14.71 8.19M - 9.98 -0.62

Issuer Direct Corp 6.29 +0.65 11.52 13.43M 43.99 13.63 0.04
Essex Rental Corp. 0.500 +0.050 11.09 11.24M - 103.45 -11.20
American Electric Technologies, Inc. 4.15 +0.40 10.67 31.48M - 57.25 -2.40
Higher One Holdings, Inc 2.12 +0.15 7.61 94.52M 6.38 220.11 14.97
Lightbridge Corp 1.05 +0.07 7.14 17.72M - 1.31 -4.82
Axcelis Technologies Inc 3.33 +0.15 4.72 363.41M 139.56 203.05 -11.27
Quest Resource Holding Corp 0.900 +0.040 4.65 99.92M - 174.45 -9.90
MOCON, Inc. 13.87 +0.61 4.60 76.22M 69.63 64.48 1.54
Magal Security Systems Ltd. (USA) 4.50 +0.19 4.41 70.64M 14.93 77.54 3.41
UCP Inc 8.33 +0.34 4.26 64.20M - 191.18 -4.99
SmartPros Ltd. 2.46 +0.10 4.24 10.74M - 13.49 -0.86

PDI, Inc. 1.86 +0.08 4.21 29.76M - 119.94 -9.40
IntriCon Corporation 6.72 +0.25 3.86 36.95M 24.26 68.30 2.52
International Shipholding Corporation 5.67 +0.21 3.85 40.04M - 294.83 -59.92
Power Solutions International Inc 30.97 +1.05 3.51 321.61M 19.47 348.00 23.73
ADDvantage Technologies Group, Inc. 2.39 +0.05 2.14 23.57M 12.60 35.89 0.66
Greenhunter Resources Inc 0.572 -0.008 -1.45 24.53M - 27.12 -12.32

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You will need to Consider

You will need to consider whether you are prepared to move to further your career, especially if you are working for a company with several locations. There are many factors to take into account such as current or future family responsibilities.

Will you be asked to move again in a few years? What if it doesn’t work out? What about your spouse or partner’s work? Children’s schools? Then there is your social life to consider.

Maybe you should commute weekly, leave the family where they are? What would be the costs? Rent, or hotel bills, petrol or train fares? Will the company pay or contribute?

What about accommodation? Will the company provide that? If you are renting or buying will costs be similar to your current costs? What if your house doesn’t sell?

Relocation costs need to be considered. Will the company pay all bills, or part of it?

If you decide to commute will they pay your travelling costs in lieu of relocation costs?

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4.85pc.

China was the great saviour of the world economy in 2008. The launching of an unprecedented stimulus package sparked an infrastructure investment boom. The voracious demand for commodities to fuel its construction boom dragged along oil- and resource-rich emerging markets.

The Chinese economy has now hit a brick wall. Economic growth has dipped below 7pc for the first time in a quarter of a century, according to official data. That probably means the real economy is far weaker.

The People’s Bank of China has pursued several measures to boost the flagging economy. The rate of borrowing has been slashed during the past 12 months from 6pc to 4.85pc. Opting to devalue the currency was a last resort and signalled the great era of Chinese growth is rapidly approaching its endgame.

Data for exports showed an 8.9pc slump in July from the same period a year before. Analysts expected exports to fall only 0.3pc, so this was a huge miss.

The Chinese housing market is also in a perilous state. House prices have fallen sharply after decades of steady growth. For the millions who stored their wealth in property, it makes for unsettling times.

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DEFINITION of 'Breaking The Syndicate'

The dissolution of a group of investment bankers that created a syndication to underwrite the issue of a particular security. Prior to termination of the agreement the underwriters must sell the securities at the offering price. The syndicate usually terminates 30 days after the sale date, but can be broken earlier upon mutual agreement of the participants.

INVESTOPEDIA EXPLAINS'Breaking The Syndicate'
Syndicates are usually broken due to one of two reasons: (1) the issue has been successfully distributed or (2) the underwriters cannot place the securities at the offer price. If the syndication is dissolved prior to 30 days following the security sale date group members are free to sell remaining holdings independent of original price restrictions.

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Final Account

Direct Investment records financial flows between resident and non-resident firms that are under a direct investment relationship. A direct investment relationship is established when a Greek firm (direct investor) holds at least 10% in the share capital of a non-resident firm (direct investment firm), or conversely, when a non-resident firm (direct investor) holds at least 10% in the share capital of a Greek firm (direct investment firm).

Direct Investment includes the establishment of a branch as well as real estate investment.

All transactions – following the initial one establishing the direct investment relationship – related to the maintenance, expansion or termination of this relationship, as well as any loans and suppliers’ credit granted between a direct investor and a direct investment firm, are recorded under Direct Investment. Finally, Direct Investment includes retained (reinvested) earnings. If the firms under a direct investment relationship are monetary financial institutions, Direct Investment records only the initial participation in the share capital (if >10%) and any further increase of this participation, but not transactions related to deposits and loans between the two firms

. 

Transactions are recorded under Direct Investment according to the criterion of the investment’s ‘direction’ (directional principle). Thus, all financial flows between resident direct investors and non-resident direct investment firms are recorded under Direct Investment Abroad, while all financial flows between non-resident direct investors and resident direct investment firms are recorded under Direct Investment in Greece.

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Free debt

Free debt advice. Expert help is at hand.
We deal with clients with a range of debt problems. Your first step should always be to get free expert debt advice, based on your personal circumstances. No matter what your debt problem, we’ll be able to help.

Over the last twenty years, we’ve helped more than two million people, many of whom have faced exactly the same kind of situation as you.

How can I get debt advice?
Our Debt Remedy online advice tool takes just 20 minutes to complete and will give you a debt solution tailored to your circumstances. It’s anonymous and free of charge.

Alternatively you can call our debt helpline and speak to one of our advisors. They will ask for any information that we need and we'll advise you on the best way to deal with your debts. If necessary, we'll arrange a follow-up phone appointment at a time that suits you.

What do I need to have ready?

To get the most out of Debt Remedy, or a call to our telephone debt helpline, it’s useful to have the following details to hand:

Details of all your debts
We’ll gather details of your income, outgoings, unsecured debts and any assets you have.
Your income
including any benefits or pensions.
Your household bills
for items such as food and utilities, with details of any missed payments.
Approximate values of assets
like your home or car.
To learn more about debt advice from StepChange Debt Charity, watch our video.

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Cost Of Equity

In financial theory, the return that stockholders require for a company. The traditional formula for cost of equity (COE) is the dividend capitalization model:




A firm's cost of equity represents the compensation that the market demands in exchange for owning the asset and bearing the risk of ownership.

INVESTOPEDIA EXPLAINS'Cost Of Equity'
Let's look at a very simple example: let's say you require a rate of return of 10% on an investment in TSJ Sports. The stock is currently trading at $10 and will pay a dividend of $0.30. Through a combination of dividends and share appreciation you require a $1.00 return on your $10.00 investment. Therefore the stock will have to appreciate by $0.70, which, combined with the $0.30 from dividends, gives you your 10% cost of equity.

The capital asset pricing model (CAPM) is another method used to determine cost of equity.

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DEFINITION OF 'OPTIMAL CAPITAL STRUCTURE'

The best debt-to-equity ratio for a firm that maximizes its value. The optimal capital structure for a company is one which offers a balance between the ideal debt-to-equity range and minimizes the firm's cost of capital. In theory, debt financing generally offers the lowest cost of capital due to its tax deductibility. However, it is rarely the optimal structure since a company's risk generally increases as debt increases.

INVESTOPEDIA EXPLAINS'OPTIMAL CAPITAL STRUCTURE'
A company's ratio of short and long-term debt should also be considered when examining its capital structure. Capital structure is most often referred to as a firm's debt-to-equity ratio, which provides insight into how risky a company is for potential investors. Determining an optimal capital is a chief requirement of any firm's corporate finance department.

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Finance Education

Financial position: is concerned with understanding the personal resources available by examining net worth and household cash flow. Net worth is a person's balance sheet, calculated by adding up all assets under that person's control, minus all liabilities of the household, at one point in time.

Household cash flow totals up all the expected sources of income within a year, minus all expected expenses within the same year. From this analysis, the financial planner can determine to what degree and in what time the personal goals can be accomplished.
Adequate protection: the analysis of how to protect a household from unforeseen risks. These risks can be divided into liability, property, death, disability, health and long term care. Some of these risks may be self-insurable, while most will require the purchase of an insurance contract. Determining how much insurance to get, at the most cost effective terms requires knowledge of the market for personal insurance.

Business owners, professionals, athletes and entertainers require specialized insurance professionals to adequately protect themselves. Since insurance also enjoys some tax benefits, utilizing insurance investment products may be a critical piece of the overall investment planning.

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School Girl Finance

For the last two decades, climate talks, and their top-down multinational approaches, have largely failed to curb rising temperatures. Since then, a number of subnational actors (provinces, cities, businesses, and civil society organizations, among others) have sought to tackle climate change from the bottom up. For example, at a summit in New York last year, various subnational associations pledged to take action to reduce greenhouse gas emissions.

Around 75 mayors from around the world, recognizing that cities account for some 70 percent of all greenhouse gas emissions, signed a Mayors Compact to accelerate ongoing efforts to shrink their carbon footprint. And major civil society organizations and businesses also signed various pledges on a range of initiatives, from expanding energy efficiency to halting deforestation.

These initiatives are promising, but they will not do enough. According to at least one study, the subnational initiatives agreed to at last year’s summit have the potential to reduce emissions by only a fifth of the required reduction needed to keep global warming under two degrees Celsius—a threshold that if exceeded, may trigger fiercer storms and increased droughts. Subnational progress is limited because ground-up climate diplomacy has largely operated on an independent track from international diplomacy. The risk with these parallel approaches is that ground-up goals will not be incorporated into top-down ones, which risks marginalizing their efficacy.

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Company Education

The expression "monetary administrations" turned out to be more pervasive in the United States somewhat as a consequence of the Gramm-Leach-Bliley Act of the late 1990s, which empowered diverse sorts of organizations working in the U.S. money related administrations industry around then to merge.[1]

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Organizations for the most part have two particular ways to deal with this new sort of business. One methodology would be a bank which just purchases an insurance agency or a speculation bank, keeps the first brands of the obtained firm, and adds the procurement to its holding organization basically to differentiate its income. Outside the U.S. (e.g., in Japan), non-money related administrations

organizations are allowed inside of the holding organization. In this situation, every organization still looks free, and has its own particular clients, and so forth. In the other style, a bank would basically make its own particular business division or protection division and endeavor to offer those items to its own particular existing clients, with motivators for joining all things with one organization.

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