General Article

Recently, Canbriam Inc. went through a rebranding after their acquisition by Pacific Oil and Gas (PO&G). Canbriam Energy Inc. is a private company focused on developing rich liquid natural gas. The company was founded in the year 2007, and is headquartered in Calgary, Alberta. Despite this, the company runs most of their important operations in Altares and the Kobes Montney regions of northeast British Columbia.

Canbriam Energy Inc. also works to “improve the extent of negative externalities faced by the environment through the use of technology, attained through their investments in vapor recovery, waste heat recovery, solar power for electricity, and utilising recycled water”.

PO&G, managed by Royal Golden Eagle (RGE), is an independent energy resource development firm that holds multiple investments throughout the energy supply chain: upstream oil and gas developments, LNG receiving terminals, power plants and gas transmission networks.

The facilities held by PO&G for energy-based operations are spread out to several countries, although they only hold offices in China, Indonesia, and Singapore. PO&G ensures that all their investments carry out operations in a sustainable manner, therefore placing great importance in the process of pre-investing.

Royal Golden Eagle, previously known as Raja Garuda Mas, is a resource-based managing company that aims to develop resources sustainably to improve lives. RGE was founded by Indonesian businessman Sukanto Tanoto, who also serves as the current Chairman.

RGM has up to 60,000 employees, therefore managing multiple companies globally; APRIL and Asia Symbol (paper and pulp), Asian Agri and Apical (palm oil), Bracell (specialty cellulose), Sateri and Asia Pacific Rayon (viscose fibre), and Pacific Oil & Gas (integrated energy provider). Due to recent expansions, Pacific Oil and Gas (PO&G) is of great importance to RGE Groups.

The Acquisition

On 13th May 2019, the two companies involved made the announcement of the acquisition simultaneously. They confirmed that a contract had been signed, and that PO&G will acquire all of Canbriam Energy Inc.’s shares, both issued and outstanding.

While the transaction took place smoothly with both Boards of Directors in complete agreement, the company had to draw up a support and lock-up agreement for all other officers, directors, and shareholders that make up for more than 90 percent of the outstanding shares.

PO&G was expected to send an exempt takeover bid to the security holders at Canbriam Energy Inc. by 21st May 2019. The announcement ended with clear expectations of closing the acquisition before 1st July 2019.

PO&G successfully acquired Canbriam Energy Inc. on 18th June 2019. This includes both issued and outstanding shares of Canbriam Energy Inc. Upon the completion of the transaction, as intended, Canbriam Energy Inc. issued a conditional exemption notice to those holding on to their senior notes due 2019, so that they may retire it.
The following representatives were a part of the acquisition: Pacific Oil and Gas financial advisor was Macquarie Capital Markets Canada Ltd., and legal counsel was Bennett Jones LLP; for Canbriam Energy Inc., the financial advisor was RBC Capital Markets, and legal counsel was Norton …

One of the best things you can do in life is to give to charity. Sharing a little bit of your prosperity with those who are less fortunate than yourself is a great act of kindness. There are many ways to give, but some ways are better than others. Here are a few quick tips to help you give to charity in the smartest way possible and maximize your gift.

Choose Your Charity Wisely

When donating to charity, how much you give isn’t as important as deciding to give. Some entrepreneurs, like Eyal Gutentag, can make a difference by donating a lot, but all charities are just as happy when regular people donate. Choose a charity that helps a cause you are passionate about. It could be a cause close to your heart, like a group that funds cancer research or a group that helps families in poverty in another country. If you can donate a million dollars, then great! If you can only donate five, that will be accepted just as gratefully.

Know How Your Charity Works

Making sure the organization you are donating to is legitimate is important because there are a lot of scams trying to take advantage of generous people. Websites like give.org can tell you if your charity is real or not. Also, some organizations take a part of your donation for themselves for administrative fees, so you might want to research and see how much of your gift actually goes to the cause you are donating to.

Give More Than Money

Giving money is great, but if you aren’t in a position to donate financially, there are many ways to donate your time. Volunteering is a great way to help, whether it is working in a local soup kitchen, spending time with seniors at a rest home, or walking dogs at your local Humane Society.

Your donations, no matter how small make a big difference to those on the receiving end of them. Once you’ve chosen a cause you care about and have donated time or money, you’ll have the satisfaction that can only come with knowing you’ve helped out someone in need.…

Sometimes our expenses can be more than our income and we find ourselves scrambling to make ends meet every month. You try to find ways to cut back and save money but there are some expenses that you simply can’t cut out altogether, like auto insurance.

Each state law will vary on just how much auto insurance you are required to carry but across the board, it’s illegal in all states to go without insurance. Now, it is easier than ever for a policeman to see if you have insurance or not.

They don’t even have to pull you over anymore to find out if you have insurance or not. They simply have to pull behind you, run your license plate and within seconds they will know whether the car you are driving has auto insurance or not. If you are caught driving without auto insurance you are more than likely going to get a ticket and no insurance tickets usually run anywhere from $250 -$350 and if you get more than one of those tickets, they can and will suspend your license.

So, now that we know we can’t go without automobile insurance lets looks at some simple tips that will help you keep your premiums as low as possible and achieve your goal of cheap auto insurance.

Increase Your Deductibles

If you are looking to decrease your monthly premiums, then you can increase your deductible amount and your monthly premiums will go down. Deductible amounts are usually $250, $500, $1,000, $2,000 and $2,500. The deductible amount is the amount of money that you are responsible to pay in the event that you file a claim.

For example, if your car needs repairs due to an accident, and the total repair bill is $3,000, and your deductible is $500, then you will have to pay the $500 dollars when you pick up your car and the insurance company will cover the other $2,500. Having a higher deductible will decrease the amount you have to pay monthly but if you ever file a claim make sure you have the deductible amount available in your bank account or you won’t be able to pick up your car when the repairs are finished.

No Rental Car Reimbursement

All insurance companies off rental car reimbursement but this will also make your monthly premiums increase significantly. Rental car reimbursement or rental car coverage is when the insurance company provides you with a rental car while the repairs are being done to your car. Sure, it’s nice to have this coverage if you are ever involved in a wreck but it’s not mandatory and denying this coverage will help you have a lower monthly cost.

Put Your Seat Belt On & Don’t Speed

Anytime you are issued a violation, whether it’s a moving violation or not it can and will make sure insurance increase. Speeding tickets and at-fault wrecks are the number one things that will make your monthly insurance payment go sky high.…

Every person who owns a car knows how hard and troublesome it is when it comes to finding a parking spot. But it is the responsibility of the establishment owners to maintain order and organize their parking area; there are still a lot of people who can’t follow a simple rule (or rules) when it comes to proper parking.

There will always this one person who will park their vehicle in areas reserved for disabled people or in undesignated spots, creating problems in the lot. self-parking kiosk automation can solve this problem. With automated parking kiosks, vehicles can be appropriately managed by a computer in an orderly manner.

Automated self-parking kiosk features

Usually, these kiosks offer services to people in an organized, secure, fast and convenient manner. In establishments, buildings or offices with this type of technology, drivers will be greeted self-parking kiosks that can assist them in parking their vehicle.

You can see on the monitor display the available spots and you can pay for it. It allows people to know which parking spot will suit your needs where you can park your car safely. Listed below are other essential features you can get in using this technology.

Mobile access

Before going to the lot of any building or establishment that has this type of technology, you can access the platforms used in these kiosks and plan ahead of time where you will park. The platform is compatible with any mobile phone, and you can download their apps for your convenience. If there are any inquiries or problems, you can contact the building or establishment management through their application or their specified contact details.

Real-time customer support

Even when you are still in the process of finalizing the transactions you made with the platform, you can always talk to one of their real-time customer support agents or representatives. This technology features a live call center option that can help drivers with their questions or inquiries regarding their transactions and any related matters.

For more information about how self-parking works, check out https://auto.howstuffworks.com/car-driving-safety/safety-regulatory-devices/self-parking-car.htm.

Everything you want or need to know when it comes to the kiosk’s services, they have answers. You will never be blinded with the details in your transactions since the automated kiosks are very simple and easy to use. All you need to do is choose the thing that you wanted to know, and the technology will give you the complete outline. You can view all the details during the transaction or even after you leave the lot.

Online payment

You do not need to look for a pay station in the lot since you can pay your transactions through their apps. All you need to do is download their applications, and you can access their pay station in the palm of your hand. These types of applications can offer various payment methods that you can choose from and you can choose to receive your receipts through snail mail, email or a text message.

The future

Broken hinges and door tracks- hinges and door tracks play a great role in the movement of garage doors up and down enabling it to open. Broken hinges and door tracks can lead to the garage doors not folding. This happens especially if the hinges are rusted which causes the doors to open with irritating sounds. Corrosion affects the contraction process causing difficulties when opening because the panels do not fold as they are supposed to. This can also happen in the case of broken hinges.

Bad door tracks that are uneven do not support garage doors properly because they affect how the door raises and lowers. This unevenness may be caused by dented or dipped door tracks making raising and lowering of garage doors difficult. This can create cracks that may allow foreign objects or rodents to have easier access to the garage.

Difficulties when opening or closing garage doors

A garage door is supposed to open without problems such as inconsistencies when opening or broken garage doors may cause failing to open sometimes. A garage door is supposed to open within the time the remote control was set to activate it. Broken wires could affect the circulation lead to faulty garage doors.

If the door is broken, seeking the services of professionals who are experienced in repairing garage doors is advisable. The problem may also be a bad connection within the remote control or problems with the electric circuit. Doors opening slowly can waste one’s time and be very irritating, especially if you are in a hurry to go somewhere.

Noisy garage doors

In order to avoid noisy garage doors, it is advisable to oil rollers using grease which is lithium-based to enhance smoothness. When the rollers are worn out, they become loose, causing screeching sounds when opening. Bad springs can cause noise if they get strained since they are responsible for enabling more effortless movement for none sentient parts of garage doors. Weak and worn brackets affect the process of the opening leading to disturbing sounds.

These opener brackets are responsible for doors opening; thus they have to be strong enough to perform their tasks effectively. Professionals can repair these parts responsible for noisy garage doors and advise on maintenance to prevent such situations.

These noisy could be an indication that there may be loose parts that can cause accidents if they snapped without warning. Therefore garage door owners should take noisy sounds as an early warning for trouble that is about to occur.

Shaky garage doors

Professionals advise that a good and efficient garage door should be steady and able to move smoothly when being opened or closed. Servicing shaky garage doors is advisable before more harm is caused. Shaking indicates that something may be wrong with parts such as tracks, belts or the rollers. Rollers can crack or be corroded causing shaky garage doors.

These rollers should be serviced by a professional if they are cracked or eroded. Poor lubrication can cause rusty rollers and …

Running any business that ships products needs to focus on delivering a really good experience to clients. You do not have people that come into your shop so you have to worry about various factors ranging from shipping logistics to costs. When it comes to costs, many businesses make mistake. They end up losing too much money that does not have to be lost simply because of not being available to properly manage shipping.

If you want to reduce shipping costs and save money for your business, you need to remember the following.

Safety First

No matter what you ship, it needs to be safe. You want to protect what is delivered. You are definitely aware of many things that can get this done, like using poly mailers: https://zebrapack.com/index.php/poly-mailers.html. However, what you might not be aware of is the fact that different businesses have much different shipping requirements. You should always see exactly what is needed for you and you have to be careful with really cheap shipping options.

Packaging has to protect what is delivered and you have to never sacrifice safety if you do not have to deal with numerous returns and lost money.

Don’t Be Locked By The Carrier

This is actually one of the best ways to save money on postage and shipping. You want to choose the very best carrier for the individual order. This can seem labor and time-intensive but you have to understand that different carriers will offer much different rates. This can be based on destination, dimensions and weight. As an example, USPS will not charge a residential fee but UPS will. Small amounts can add up in the long run.

Zone Skipping

Zone skipping is a highly effective way to save on shipping costs. This is particularly the case when large products are shipped. Zone skipping is basically an offered consolidation service through which you gather the packages that go to a region that is far away and you send a single LTL freight shipment. A consolidator will ship everything to the customers in a zone so shipping costs are reduced at a per-package rate. With express shipments this is not something that can be done as the shipment will take longer. However, if possible, it does save a lot.

Use Freight

If you can do this, you can use freight instead of using FedEx or UPS. The only problem is that you need a really large order for this to be profitable. One order can be split up in various freight trucks but this is only a good opportunity when a customer has no problem in receiving what was bought at different times.

Negotiate Costs

Last but not least, there is nothing wrong with negotiating shipping charges with different carriers. This allows you to quickly figure out what company offers the very best rates. Also, carriers offer better rates if they know that you can always switch to someone else. Most businesses do not negotiate as they think shipping …

AML, in the business world, means anti money laundering. The term refers to specific regulations, procedures and laws that are aimed to stop criminals from hiding the funds that are illegally obtained and making them seem as if they are legitimate income.

AML law covers various different criminal behaviors and transactions and was drafted in order to stop numerous illegal activities. Unfortunately, it is difficult to stop absolutely all attempts to launder money. Fortunately, there are fewer cases of illegal activities as the law becomes better and better.

How Does AML Work?

AML regulations and laws target countless criminal activities like corruption of the public funds, illegal goods trading, market manipulation and tax evasion, together with methods utilized to conceal crimes and obtained money.

The criminals try to launder money gained through illegal acts. The best example of an illegal act is drug trafficking. Through criminal activities, the goal is always to make it really difficult to trace back funds.

A common money laundering technique is to run cash gained from illegal activities through cash-based legitimate businesses owned by confederates or the actual criminal organization. The “legitimate” business deposits money and criminals make withdrawals.

A money launderer can also sneak money into a foreign country in order to deposit it. Also, cash is sometimes deposited in really small increments in order to reduce the possibility of arousing suspicion. Launderers even sometimes invest cash and use the services of dishonest brokers that do not care about rules as they just want commissions.

Financial Institutions Have Obligations

Financial institutions need to monitor the deposits made by customers and all other transactions so that they can check that a money laundering scheme is not in place. All institutions need to verify the origins of large money sums, monitor all suspicious activities and when transactions are higher than a specific amount set by law ($10,000 in the US), they have to be reported. Compliance with AML law is mandatory and the clients of the financial institutions also have to be aware of the laws in place.

Money Laundering Investigations

Law enforcement agencies often carry out money laundering investigations. They commonly involve financial records being analyzed for suspicious activity and inconsistencies. The modern regulatory environment forces companies to keep extensive transaction records. This is needed for every single significant transaction.

If the police want to trace a crime, the financial institutions need to offer their support. This is only possible in the event that AML laws were respected.

In cases like larceny, embezzlement or robbery, law enforcement agencies have the possibility of returning property or funds to crime victims. As an example, in the event that money was found to have been laundered in order to cover up a case of embezzlement, the agency can normally trace everything back to victims.

Conclusions

AML law aims to protect people and force institutions that handle finances to do their part. Without money laundering laws and procedures to protect people, those that are rich would simply become …

There are many options to buy office furniture. You can go online, to a brick and mortar retail store, or to your local flea market. When deciding on the best place to buy office furniture, there are three factors that you should consider.

Selection and Inventory

A store with a wide variety of furniture types, styles, and colors, has the best chance of being able to suit your needs. You should not need to sacrifice style in order to stay within your budget.

Stores with physical showrooms make it easier to view the true colors and sizes of furniture. Sit in the chairs to gauge comfort. If you have employees, consider adjustable furniture that each person can adapt to their unique ergonomic requirements.

You want your office furniture to match your decor. Consider buying all furniture from the same product line for a unified look.

Personalized Service

Working with a physical store that has consultants on site gives you the ability to consult with an expert about your needs. The store employees know what pieces they have in stock, what may be delivered next week, and inventory at other stores. They may have inside information for you on special deals and upcoming sales.

Delivery Options and Costs

Most likely, you will need a delivery service to convey the furniture to your location. This is easiest to arrange when the store offers their own in-house moving crews or contracts with a third party. Also consider paying for furniture assembly services. While you may be able to put furniture together, this could take a lot of time. In addition, you risk liability for poorly assembled furniture if you do it yourself.

The best office furniture stores will have a variety of items available that suit your budget. Their staff will guide you on making decisions, and facilitate convenient delivery of your purchases to your location.…

A staggering 75% of two-wheelers currently active on Indian roads either do not have any insurance at all or the insurance is no longer valid. While some may genuinely forget to renew their policies, there are many who do not do it in order to save a few thousands of rupees.

With Indian roads still unsafe, what happens when you do not have two wheeler insurance? The ramifications of this can have a considerable impact on the vehicle, the owner, and the pillion.

Regardless of what your reason may have been, here are a few insights into the consequences that you have to experience if you do not purchase a two-wheeler policy.

Penalty:

The penalties involving lapse of policies and driving without insurance is dangerous. The results are damaging to all parties involved. When a death occurs, the situation will get worse. These are serious factors to keep in mind. Hence, buy the insurance required for your two-wheeler. Ensure all the paperwork is up to date. Never delay these things.

The penalties of driving without any motor vehicle insurance in India can have severe ramifications. Also, driving within India without motor vehicle insurance is illegal. Anyone breaking the law will be charged a fee which is a penalty of  INR 1000. This would also involve imprisonment for 3 months in the event of a traffic violation. Alternatively, the law and traffic authorities can impose both penalties.

No Claim Bonus:

In the case of a lapsed policy, the bike owner will lose the no claim bonus (NCB). Also, if the bike/vehicle remains uninsured for over 90 days, all the accrued benefits will be annulled. Hence, the company which provided the insurance cover for the two-wheeler will no longer entertain any issues.

If one is a forgetful person by nature, it is best to mark the calendar with important dates such as policy renewals and purchase. Keep a reminder on all your devices and ensure that when the insurance company representative calls you to fix an appointment to finish all the paperwork. Once all the details have been updated, your insurance company can send a renewed policy.

Legal Liabilities:

There are legal liabilities in the event of driving without insurance. These would include natural disasters and man-made incidents. Which means that the comprehensive cover which was bought will be of zero validity on a lapsed policy. Also, in the event of an accident and the death of another person, without a third party cover, you would be subjecting the rider to breaking the law. It can lead to a criminal offence, and further have ramifications of serving time in jail. In such cases, all expenses have to borne by the offender/lawbreaker.

Loss of Time:

In the event of attempting to renew a lapsed policy, it becomes an extremely lengthy and cumbersome process. It is as good as buying a new plan This would require the owner of the two-wheeler to start the process right from the very beginning. Stage 1 would involve …

Entrepreneurs are the first to admit that consumers can be inconsistent when it comes to what type of business rises in popularity overnight, only to crash in what seems is only a matter of months. Trying to stay aware of what consumers want can be difficult, so here are four business trends you can certainly watch for growth in during the next decade.

Cleaning

As consumer continue to value their personal and private time, home and office cleaning services Orange Park FL, will grow. The same rise may be found in yard work and landscaping companies as individuals continue to spend more of their time involved in activities they love, rather than on outside and inside chores.

Personalization

Payments made by check are going the way of the dinosaur. In their place, more flexible payment options and banking methods can be found. Consumers want security and speed in their payments, and that now includes banking cards and credit card options. Although terminal payments are finding some favor, time will tell if using your phone to purchase an item will stay popular.

Data

Consumers will continue to demand tighter regulations and better protections on their personal data on the internet, as well as a higher sense of responsibility by companies that often are negligent in their notification process. Tightening restrictions are also being required on the collection of purchasing data and the use of hidden consumer information.

Subscriptions

Although consumers proved fickle when choosing subscription services over the past year, new services are continuing to appear, and many are finding considerable favor. This can include store-to-door groceries, fast food delivery, and personalized shopper services. Another area hitting the subscription arena is the television channel, and many consumers are excited about the selections available.

Potentially successful companies may be difficult to spot, but the four listed above are sure to become popular. Consumers know what they want, so business owners need to listen – and then provide it.…