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18.09.2014
The abovementioned Resolution proposes to simplify the state registration procedure for all medicinal products that have already been registered in the USA, Switzerland, Japan, Australia, Canada, and the EU. Novelties in materials expertise for the abovementioned category of medicines and requirements to such materials deserve a special attention. It is worth to mention that despite the fact that the Resolution has not come into effect yet, the text of this legal regulation published on the CMU web-site should be considered as final. Upon the consideration of the provided materials the Antimonopoly Committee has come to the conclusion that given marketing agreement does not contain any signs of the abuse of monopoly and anticompetitive concerted actions conducted by GlaxoSmithKline Ukraine.
Moreover, the project team put major efforts into the materials preparation aimed at the justification of Competition Law non-infringement by the drafted marketing agreement concluded with the pharmacies and pharmacy chains. The document proposes to extend the list of medicinal products liable for simplified state registration, in particular to simplify the procedure for those medicinal products that have already been registered by the competent authorities of the USA, Switzerland, Japan, Australia, Canada or the European Union. The Parliament Health Care Committee did not support this Draft Law and submitted it for further improvement. The Regulation proposes to establish the selection procedures (development of the first draft Essential Medicines List by the Expert Committee) and yearly revision of the National Essential Medicines List. Further, upon the approval of the first Draft National Essential Medicines List the Expert Committee shall revise the existing taking into account the abovementioned factors and sources.
The Draft Regulation also established the schedule of revision of the National Essential Medicines List. Please note that the Order of the Ministry of Health of Ukraine as of February 11, 2016, a„– 84 approved the Regulation on the National Essential Medicines List and the Regulation on the Expert Committee on the selection and usage of essential medicinal products.
For 28 years, The Legal 500 has been analyzing the capabilities of law firms across the world, with a comprehensive research programme revised and updated every year to bring the most up-to-date vision of the global legal market. The Concept suggests the implementation of activities aimed at solving the issues of timely patients support with qualitative, safe and efficient medicinal products, immunobiological products and medical evices, and activities aimed at the prevention of corruption and limited competition that lead to medicinal products and medical devices procurement at an over-inflated price. The document authors note that the Concept designates the directions, mechanisms and terms for public procurements system transformation in healthcare sector of Ukraine through the development of modern convenient system aimed at the establishment of competitive environment and further development of fair competition in this sector. The Concept shall be implemented with the assistance of international organizations and donors in three stages during 2016—2018. Stage 1 (2016) – establishment of institutional and legal basis for the reformation of public procurements in healthcare sector. CPO shall fulfill the procurements at local and foreign levels, and if required shall maintain the procurement from international suppliers — import of medicinal products, immunobiological products and medical devices, involve other organizations into customs clearance, storage and distribution, conduct other business activities based on long-term plan principles.
The procedure for insulin products reimbursement foresees that the pharmacy warehouse should file monthly report on the medicinal products sold. Moreover, the document amends the CMU Resolution as of March 5, 2014, a„– 73 "On the Implementation of Pilot Project on State Regulation of Insulin Products Prices" regarding the definition of the unified mechanism of the state regulation of insulin products prices. These medical devices are allowed for market distribution before their expiry date and not later than 5 years from the date of their sales start without the compliance assessment and national quality standard mark. Based on the abovementioned, the compliance assessment procedures shall become obligatory starting from July 1, 2017 for registered medical devices with the unlimited state registration certificate or with the certificate expiring after this date.
Another significant change introduces the opportunities to conduct the compliance assessment procedures during the period of validity of medical devices registration certificate.
Moreover, certain changes have been introduced into the registration of the officials responsible for putting medical devices into operation.
In case such entity is not a resident of Ukraine, the authorized representative should be assigned with the responsibility to introduce such medical devices into Ukrainian market.
State Administration of Ukraine on Medicinal Products should maintain a Register of entities responsible for the introduction of medical devices into the market. The legal support of the development and adoption of the abovementioned Order of Cabinet of Ministers, as well as the above-mentioned order of the Ministry of Health of Ukraine was provided by the Legal Alliance Company in cooperation with the SIAPS project. The said provision establishes that the drugs will be included in the National List of Essential Medicines (hereinafter - the National List), taking into account population incidence rates, prevalence of disease and mortality, evidence of the comparative effectiveness (performance), safety and cost-effectiveness of medicines, as well as industry standards  in terms of health and level of funding for health care. The Expert Committee will consist of 12-18 people, it will be composed of specialists with higher medical, pharmaceutical and economic education. Once an expert committee under the Ministry of Health of Ukraine is established, work concerning the selection of drugs to be included in the National List will be conducted by them. Interested individuals and legal entities can apply with a package of necessary documents  for inclusion of drugs in the National List of Medicines. Notice of tax assessment is developed for each separate tax due together with the penalties, as well as for each penalty and poena for the violation of other legislation being under supervision of regulatory authorities. Notice of tax assessment is considered to be submitted to the taxpayer – legal entity if such assessment notice is delivered by hand to the official employee of such taxpayer against acknowledgement or forwarded in a letter with notification of the delivery. Notice of tax assessment is considered to be submitted to the taxpayer – individual if such assessment notice is delivered by hand to such individual or his authorized representative or forwarded in a letter with notification of the delivery to the address of residence or of the latest known location of such individual.
The new Law provides for the implementation of public procurement with the use of two competitive regulatory procedures: open tendering and competitive dialogue, as well as a non-competitive procedure - negotiating the purchase procedure. An important innovation of the Law is the introduction of electronic procurement (e-auction), the electronic review system, as well as the implementation of the exchange of information, documents, to provide clarifications in the e-procurement system. Moreover, for the conduct of unauthorized concentration, which did not lead to monopolization and significant impediment of competition on Ukrainian market , the AMCU recommends to calculate the basic penalty in accordance with the total revenue (income) received from the sales of products (goods, services) at all commodity markets of Ukraine.
The AMCU made the greatest specification regarding the calculation of the basic penalties in the cases of the infringements of informational character. Moreover, the AMCU believes that if the incorrect information has been provided several times during the consideration of the case regarding the violation of informational character, the total penalty charges shall amount to the penalty for one relevant violation.
It is worth to mention that the AMCU established the reduced penalty, which may be imposed on the respondent during the investigation of the case of informational character and on the applicant in the case regarding the concentration and the concurrent actions if they provided incomplete case information. Correction of previously determined penalty taking into consideration the aggravating and mitigating circumstances.
Declarations with violation of the deadlines for submission for the reporting period in case the application is submitted within its contents. The registers are published at the official State Fiscal Service’s web-site on a daily basis.
In case the Main Directorates of the State Fiscal Service in regions, or in the city of Kyiv send to the appellant the decision on final or partial denial of the appeal, the appellant has a right to file the subsequent appeal within 10 calendar days upon the receipt of such decision. The document in its new edition, updated and improved in line with the requirements of the Law of Ukraine "On Prevention of Corruption", was recently approved by the  Management Board of AIPM Ukraine. The project was conducted by Oleksii Bezhevets, partner with Legal Alliance Company and senior associate Lidiya Sangarovskaya-Gurlach. The most important among the suggested amendments is the one concerning the Procedure of monitoring of adverse reactions to medicinal products permitted for medical use as approved by decree a„– 898 of the Ministry of Health of Ukraine, dating December 27, 2006 (hereinafter - the current procedure), in the new edition, changing its name to "The Procedure for the Conduct of Pharmacovigilance" (hereinafter - the new procedure). Thus, the new procedure determines that the applicant may have more than one system of pharmacovigilance, for example, specific systems for different types of medicines (vaccines, OTC drugs, etc.). With regards to the authorized person, the new order establishes that in the case of the applicant, who is located in Ukraine, the authorized person must be part of the applicant's personnel. The new procedure defines the document with a detailed description of the pharmacovigilance system as a Pharmacovigilance System Master File (PSMF). An important achievement of the new procedure is to establish the requirements for the system of risk management in pharmacovigilance. In contrast to the existing rules, the new procedure provides for the obligation of creating a risk management plan.
In concern with medicinal products that do not require the creation of risk management plans, the applicant must support the specification file of important identified risks and important potential risks with the aim of preparing regular reports. In terms of other amendments foreseen by the new procedure, emphasis should be given to the advanced categorical apparatus and a new player in the field of pharmacovigilance - rapid response groups of relevant departments of Health, which are responsible for investigating all serious adverse events after immunization and some others. Therefore, the adoption of the new order will contribute to the harmonization of national legislation with the European legislation.in the field of pharmacovigilance.
It is to be recalled that  in their time some of the provisions were "the bone of contention" between the regulator and the subjects of the pharmaceutical market.
Therefore a situation may arise where the abovementioned provisions will be in force before the relevant decision of the Cabinet of Ministers' of Ukraine albeit with the edition of order a„– 143.
The abovementioned draft legislation proposes the disclosure of information contained in the materials of the pre clinical studies and the clinical trials that are attached to the application for the registration of the medicinal product. In the opinion of the legislation draft's initiators, the closed nature of such data results in the circulation of drugs, whose effectiveness and safety have not been proved.
The Project aims to supporting of Ukrainian government in issue of improvement of effectiveness and transparence in public purchasing system for medicinal products, in particular, by complying of National list of main medicinal products and medical devices with international standards.
This year the event attended 130 representatives of the pharmaceutical sector, specialized media, non-governmental organizations, professional associations, and state regulatory authorities. In the beginning of the session Dmytro Aleshko presented a report on the regulation of the medicinal products and medical devices market. Taking into consideration the composition of the event members many of whom represented the medical devices market, the regulation of the medical devices circulation in 2016 was discussed during a separate interactive session involving Pavel Harchyk, President of the Association of market operators of medical devices, Natalia Serhienko, Health Care Committee Executive Director, European Business Association, and Darya Bondarenko, CEO of Association of market operators of medical devices.
The next session of the conference touched the most current issues of the organization of corporative ethics and anticorruption compliance system in the pharmaceutical business. Following the traditions of the summery conferences the session on taxation of pharmbusiness was held.
The highly topical conference programme did not let the participants to relax and loose focus, just as the regulatory and law-enforcement authorities does not let the sector representatives to relax in the course of the year. Hygiene requirements  exclusively concern dietary suppements and do not apply to medicinal products, functional foods and special dietary foods.
Hygienic requirements set requirements for the content of dietary supplements, in particular, the latter indicate that for the production of dietary supplements  vitamins and minerals listed in Annex 1 of the hygiene requirements may be used, in the form specified in Annex 2 to the hygienic requirements. Therefore  amendments are provided to the Law of Ukraine "On Insurance" , namely by defining sponsor liability insurance a mandatory type of insurance . The document designates the mechanism for taxpayers’ appeals against tax assessment notices or any other decisions made by the regulatory authorities in the course of administrative procedure.
This Procedure shall not be applied to the appeals against the regulatory authorities’ decisions, actions or inactions of their officers or other employees if the special law establishes other procedures for appeals. Complaints about the decisions of state tax inspection offices are filed to regulatory authorities in Kyiv and regions, to inter-regional territorial agencies. Complaints about the decisions of regulatory authorities of Kyiv and regions, of inter-regional territorial agencies, and of customs offices are submitted to the State Fiscal Service of Ukraine. The decisions of State Fiscal Service of Ukraine made upon the consideration of taxpayers’ complaints are final and without any further administrative appeal, however may be appealed to court.
The complaint should be submitted in writing to the higher regulatory authority within 10 calendar days following the taxpayer’s receipt of the respective decision made by the regulatory authority.
The complaints for the regulatory authorities’ decisions and actions should be cited and submitted separately. The taxpayers may attach to their complaints all calculations and evidence, which they deem appropriate. Certified copies of quality certificates (certificates of analysis, test reports, etc.) issued by the manufacturer for the series of medicinal products to be imported. The Ministry of Health shall within five working days from documents delivery shall issue for the importer a certificate of import confirmation or send a written refusal notice indicating the reasons for refusal.
The Ministry of Health shall issue within five working days from documents delivery the certificate of confirmation for the medicines payment under the agreements or send a written refusal notice indicating the reasons for refusal.
The supplier shall submit the confirmation certificate to the revenues and duties authority, where it is registered as a tax payer, not later than 10 working days after the deadline for submission of VAT declaration for the relevant reporting (tax) period. The intended use of the medicinal products and medical devices exempt from VAT shall be fulfilled in accordance with corresponding legislation. Nevertheless, the tax payers are still obliged to pay advanced corporate profit tax payments for the first three quarters of 2016. The failure to make this payment shall result in imposing on such tax payer the penalty in the amount provided in Article 123 of the Tax Code of Ukraine.
In such a way, the National List of Essential Medicinal Products and Medical Devices has been renamed into the National Essential Medicines List.
Since CMU Resolution a„– 333 as of March 25, 2009 adoption, the list has not been amended with any medical device.
National Essential Medicines List should be formed with due consideration of world-wide practices of rational pharmacotherapy and pharmacotherapeutic approach to primary health care of patients with priority pathologic conditions taking into consideration disease burden and mortality rate, and health care sector standards.
In the majority of countries this function is fulfilled by the WOH Model List of Essential Medicines, which has been elaborated as a core document for ensuring public health care at government expense. As independent financial advisors in the UK, with a high level of customer service, IMC have access to a full range of financial products, but their old website just didn't reflect it! IMC's previous website was outdated and didn't reflect their level of service and expertise - we had to design and build a user-friendly site that reflects the IMC brand and promotes the business. We provided IMC with a holistic website design and build solution to bring the quality of their website in line with the quality of service IMC's clients receive face-to-face.
Each of the above services were vital to create the IMC website, but what about after the website has gone live? IMC said that feedback since launch has been 'amazing' - this is down to a host of reasons: a great looking site which is user-friendly, an easy-to-use CMS and high-quality, ongoing support from the team here at Formoda! We provided IMC with a modern, responsive website which customers find 'easy to navigate and quite intuitive'.
The site runs on our bespoke CMS, which IMC described as 'simply great - it couldn't get any easier' to use. As with all of our clients, we continue to provide IMC with ongoing support with any bugs or amends they wish to make. While continuing to service our existing client accounts, we've also taken on some fantastic new accounts with exciting projects both on and offline. Of course, we couldn't do all of this without our incredible team, which has grown in strength over the past 12 months. We'd like extend a huge thank you to all our clients for your continued support - we wouldn't be here without you and will be fondly thinking of you all when popping the champagne and cutting the cake a little later today. Tasked with redesigning their wedding brochure, the driving force behind this was a desire to evolve the brand experience to offer a more truthful and accurate representation of Penton Park's unique offering. Converting initial enquiries to viewings, with the intention of ultimately, increasing wedding venue bookings. Ensuring couples understood the brand, ethos and wedding offering ahead of viewing the estate. In addition, we ensured the brochure detailed key information, clearly answering clients' questions, and displayed easy to understand costings, leaving no surprises to deter them from committing to a date. Essentially, we repositioned their offering so that Penton Park's visual identity was more in line with that of other prestige competitors. Since Penton Park started using their new brochure, they have seen a significant increase in bookings. Furthermore, an absolute testament to the brochure is that Penton Park recently received a booking from an international couple.
For Penton Park, not only are they seeing an increase in bookings, but they are also saving time and money.
As a full service creative agency, we can help take your business forward with beautifully designed, visually consistent promotional material to suit your marketing strategy - online & offline. When considering a new website, performance might not be at the top of your list of 'must haves'. Web performance optimisation is the act of streamlining your website to increase your site's speed. According to research, a 1 second delay in page load time equals 11% fewer views and a 7% loss in conversions. With the average (unfocused) attention span of humans dropping to 8.25 seconds from 12 seconds over 15 years, it's had a significant effect on our patience. Getting your users on your site more frequently and getting them to stay for longer will ultimately have an effect on your site's conversion rate, allowing you to get the most out of your ecommerce platform, increase subscribers, propagate brand awareness and more.
Google and other search engines look at site and social statistics to determine whether your site is the right fit for a searcher's query. At Formoda we thoroughly optimise code and content to get your website to your users as quickly as possible. At Formoda we recommend hosting your website in the country where the majority of your visitors will be from. When you have a particularly high traffic website, are hosting many files, or have a global audience we can integrate Amazon Web Services (AWS) technologies. Darren Heath, world-renowned F1 Photographer, approached us to build a website to showcase his photos. Caching is simply the process of storing data that has already been generated once so that it is quicker to retrieve the next time it's requested. For appropriate client-side caching, pages and data sent from the web server need to be sent with a correctly configured cache-control header.
Reducing the amount of images your website uses and their quality can provide quick improvements to your site's speed. All images contain metadata such as which device took the photo, when it was created and other unnecessary image data that isn't used when the image is used on a website.
If we have piqued your interest on why performance is important and you're concerned your existing site might not be fast enough, why not contact us for a FREE site speed audit to determine where the slowdown is? Formoda is a brand-focused, full service design and communications agency based on the banks of the Dart in Totnes, Devon. We're now looking for a talented, enthusiastic Graphic Designer with agency experience to work on a wide range of projects, both print and digital. Our office will be closed over the Christmas period from 5pm, 23rd December and re-opening 4th January. Colehouse Farm offer luxurious, spacious and award-winning holiday cottages set in 56 acres of farmland in the heart of Devon. A high bounce rate on the homepage, with the majority of users not navigating past the homepage. Since launching the home page design refresh, there has been an increase in booking figures for these holiday cottages.
Colehouse Farm saw a 59% increase in sessions on the website, as well as a 74% increase in page views only four months after the design refresh went live. We also found that people were staying on the homepage for longer - 45% more time compared to the previous period. A healthy budget helps you to go down the gift route - make sure it's right for your target audience and try to make sure it's something functional. Chocolate, booze and biscuits are always nice, but a branded mug warmer or diary will be on their desk for the next year.
Saying that, if you're thanking an entire team, but don't want to blow the bank, a hamper will really make their day. And we know it's a lovely gesture, but we'd suggest leaving it to your Great Aunt Agnes to send goats and chickens to Africa on your behalf.
The trick with Christmas marketing is to get in there early, no matter what you're selling.
We can provide you with a holistic marketing solution, making use of all of the channels you use to get in touch with your customers. We're now looking for a talented, enthusiastic Junior Graphic Designer with agency experience to work on a wide range of projects, both print and digital. Google is just the latest of several 'big' names that have refreshed their visual identities for the 21st century. The definition of a logo is "a graphic representation or symbol of a company name, trademark, abbreviation, etc., often uniquely designed for ready recognition". Google's globally recognised logo was given a face-lift to create a more contemporary look: For the first time in the company's history, the logo has changed from a traditional serif typeface to a sans serif one.
Let's take Coca-Cola as an example: They have managed to establish one of the most recognisable identities across the globe, meaning you know the brand without the logo in sight.
Going back to Google, we can also see changes to other parts of their identity during the redesign process.
So, a great identity is essential to any business: without it, companies would struggle to be recognised and remembered - the key to creating a successful company. Having a strong brand foundation is crucial to a successful business and it's important to ensure the right messages are sent out your customers. So there you have it: each element of a brand's overall identity explained in bite sized chunks. Last weekend, our Ops Director Toni joined 1,300 colour-crazy people in running (as well as dancing and walking) 5k in support of local charity Rowcroft Hospice.
Toni says "This wasn't just my first 5k, it was also my first Colour Rush, which made for an unforgettable day.
Overall, more than £70,000 has been raised for the hospice, which will help to support adults with life-limiting illnesses and their families in South Devon.
There's still time to donate and, in doing so, support Rowcroft Hospice's vital work of providing care and support for the patients. Formoda is a strategic, integrated full service design and communications agency based on the banks of the Dart in Totnes.
We currently have an exciting opportunity for an Online Marketing Manager to join our team based at our head office in Totnes.
You will have a diverse and varied set of responsibilities - from developing online marketing strategy and managing social media platforms, to developing content and strategy, managing the integration of wider online marketing activity, working closely with colleagues across all other departments to ensure joined up activity and excellent creativity, as well as keeping a close handle on campaign performance.
It should go without saying that you have a passion for the digital world and keep a keen eye on all the latest trends, developments and thinking within the space, always looking at how you can make these work for your clients. If you feel you are the type of person who can fit into our busy working environment and would love to help us grow our Online Marketing offering, then we would love to hear from you! The Colour Rush is an annual fundraising event in support of local charity Rowcroft Hospice, which serves the people of South Devon by providing specialist care to patients with progressive, life limiting illnesses. With 2 tonnes of paint (including NEON), Paignton seafront is set to be engulfed in a super bright cloud of rainbow madness on Saturday 12th September. Rowcroft Hospice is hoping to reach an all-time high in Colour Rush funds with a target of £85,000. If you would like to sponsor Toni on her multicoloured escapade (and support Rowcroft Hospice's vital work of providing care and support for adults living with life-limiting illnesses in South Devon), please give generously. Wikipedia defines e-commerce as the "trading in products or services using computer networks, such as the Internet". So as you can see, this multi billion-dollar industry is already fast becoming one of the most important ways for a company to sell their products or services to an international market. But we're not just going to dazzle you with fascinating facts on the history of e-commerce, the real purpose of this article is to introduce you to the latest trends in the industry, so you can make sure your site caters for new movements and technology. In 2014, market-leaders such as Apple and Samsung introduced phones that were bigger than they have ever been before and this trend has carried through to 2015. With that in mind, you may not be surprised to learn that experts predict a huge rise in people making purchases on their phones - as long as the user experience is easier than ever!
When apps first came about, companies went crazy and it seemed like every business you could think of was launching a mobile app. Many high street retailers have recently re-launched enhanced versions of their original apps, which are doing much better this time around.
It is expected to be revolutionary for e-commerce because you can use it to pay within apps with one touch of a button, ensuring it's a fuss-free way to make purchases (Apple, 2015).
It's becoming more evident in recent years that online stores are beginning to use video marketing to encourage customers to make purchases. Often if a customer is searching Google for a product of service, any company that has a video embedded on their website will rank highest on the search results. Companies such as Ted Baker and Karen Millen have taken this one step further by introducing virtual stores, which give customers across the globe the true shopping experience, by allowing them to browse and navigate around their stores. The recently funded start-up Trillenium are taking this to the Oculus Rift virtual reality platform that Facebook bought for $2bn, which means you'll soon be able to 'virtually' wander around a shopping centre, socially with your friends.
If you're looking for inspiration for your online shop, we'd love to chat through some ideas! Formoda is a strategic, integrated design & digital agency delivering impact through effective creative. We currently have an exciting opportunity for an Account Executive to join our Account Management Team based at our head office in Totnes.
You should be a university graduate with a background in business, marketing or management.
You will need to be able to advise clients on strategy, develop and plan integrated campaigns and practically manage the account and deliverables with the production teams' support. Your performance will be evaluated based on your ability to deliver work on time and to budget, create good relationships with your clients as well as up sell to your clients. If you feel you are the type of person who can fit into our busy working environment then we would love to hear from you!
Nowadays, more and more people are using their mobile devices to go online - Internet searches, browsing social media channels, checking emails, booking holidays, reading the news and doing online shopping (even ordering the weekly shop!) are now carried out across a multitude of devices.
Historically, people would use their desktop computers to perform these tasks but online behaviour is changing - and so it's vital that websites keep up with this fundamental shift! In the past, you might have had one website for desktop users, and another one specifically for mobile users. Google rolled out its 'mobile-friendly' update back in April, and now boosts the rank of responsive sites within mobile search results.
The most important piece of information to take away from this update is that Google recognised (and acted upon) the huge increase in mobile usage.
Aside from the search benefits, a responsive website will help to increase conversion rates. Another great thing about making your website responsive is that you can control where the conversion elements are placed on both mobile and tablet devices.
In addition to this, user experience can be crafted to each device, ensuring that individuals feel considered. The number of devices, platforms and browsers that need to work in harmony with your site grows every day and it's essential that your website is able to keep up with these changes. At Formoda, we can work with you to create a responsive website solution that not only fits your business' needs but also ensures you're staying ahead of the competition. Over this past year, we have been incredibly busy servicing both existing and new clients alike; we've launched some fantastic projects and have lots more exciting work in the pipeline. By strengthening our service offering we're able to continue doing an excellent job for each and every one of our clients.
For now, we'd like to thank each and every one of our clients for your continued support - without you, we wouldn't be where we are today!
Our new office is bigger than the previous one in The Byre providing more space and allowing us to grow our business further.
We can't wait to show off our new premises - just give us a few more weeks to put on the finishing touches! It's that time of the year again - Christmas songs are blasting from the radio, the smell of mince pies is everywhere and present shopping is looming.
As we're getting into the festive spirit, we just wanted to give all of you the heads up on our Opening & Closing dates & times over the holiday season. In addition, Formoda will be closed on the afternoon of Friday, 5th December so we can enjoy a well-earned Christmas party.
As the largest owner and operator of commercial bamboo plantations outside of China, EcoPlanet Bamboo is leading the industrialisation of bamboo. Formoda has been working with EcoPlanet Bamboo for a number of years and we were excited when they asked us to re-design and develop their website in order to better display the company's position as global leaders in the development of sustainable bamboo as a raw resource. The new site needed to be high-impact and engaging, drawing users in and clearly showing the scope of EPB's operations whilst of course always remaining on brand. Full-screen video on the home page, which is a striking visual display of what EPB are all about. The new EcoPlanet Bamboo website is fully responsive, meaning the content reshapes to provide optimal user experience (easy reading and navigating with minimium need to 'pinch-and-zoom') across a wide range of devices and screen sizes.
We've received lots of positive feedback on the new EcoPlanet Bamboo siteClick here to check it out - we'd love to hear your thoughts! Naked Faun is a brand new jewellery company that specialises in providing jewels and treasures sourced from different cultures around the globe. We have since worked with Naked Faun on a range of marketing material, including sleek business cards (with a spot UV finish), luxury packaging (with embossed and silver metallic foil finish), and a template for regular email updates and promotions.
Jazmin Page - is the latest member to join our Graphic Design team after graduating from Plymouth University in 2014 with a BA (Hons) in Graphic Communication with Typography. Formoda are urgently seeking a middle-weight PHP developer to join our growing team in South Devon. You'll need to have drive, ambition and at least 2 years agency experience, understanding commercial demands and working well under tight deadlines. We are looking for enthusiasm and attention to detail, someone who is keeping pace with current technical trends and can help us to push the limits for our clients.
Formoda are a strategic, integrated design and digital agency delivering impact through effective creative. It was with slightly more bravado and enthusiasm than actual fitness that David, our Creative Director, entered his first cycling sportive on Sunday, 22nd June.
The Dartmoor Classic is now bigger than ever with 3000 entrants and the (medium length) 67 mile course over some of Dartmoor's iconic hills, marks it as a firm favourite amongst the nations cyclists. A gentle, rolling first few miles are soon forgotten as the climb to Haytor begins only to be followed by hill, upon hill, upon hill. Last Saturday (21st June), our Technical Director Rich was part of a successful Guinness World Record attempt right here in Devon.
Organised by Skydive UK at Dunkeswell Airfield near Honiton, 279 participants took to the skies, the majority jumping for their chosen charity. Rich is hoping to repeat the jump one day, to support Tamba (Twins & Multiple Birth Association), a charity close to his heart as the Dad of twins. We are seeking a person who has great computer skills, an extremely enthusiastic nature, an obsessive attention to detail and wants to grow with us as we continue to expand. You'll be looking after our office, staff and client support so multi-tasking and organisational skills are a must.
Taking care of our office and team will mean that you'll be dealing with a broad range of tasks such as telephone calls, general administration, HR, hospitality for clients, managing office supplies, digitising our filing system and so much more. Within your role, you would need have a strong customer service approach as you will be handling domain names, hosting, basic technical issues and general support for our website customers.
We can offer you a competitive salary, friendly office environment including office social events, regular friendly reviews along with opportunity for progression. So, if you are dynamic, ambitious, outgoing, organised and if you have excellent administrative and interpersonal skills then this could be the position for you.
QI Properties Asset Management (QIPAM) is a UK based investment company that provides clients with quality residential stock throughout the UK. As part of an ongoing relationship with QIPAM, Formoda recently designed an informative sales brochure to promote their Quantum Property Bond. We began by reviewing their draft content and then re-worked it into sales-driven information, which was visually presented in the brochure. The brochure has been well received by both QIPAM and its clients, thanks to its high-quality, superior design.
Over the past year, we have been working closely with Boyce Brixham to update the firm's branded material and establish visual brand consistency across all of their marketing collateral - both online and offline. As part of this process, we were asked to re-design their website as their previous online presence was visibly dated and neither showcased their properties in the best possible light, nor accurately conveyed their range of skills. The new website design is very modern with large wide-screen images on the Home Page to set a very Brixham feel.
The all important property search pages include Grid, List & Map result views and the ability to refine the search results with advanced filtering options.
Overall, the website design is clean with a clear user experience and local imagery; all of this helps to quickly establish Boyce Brixham as Estate Agents with local and professional experience and knowledge.
The website was built using the Homeflow platform, which provides website infrastructure and CMS for estate agents.
Since launching, the new Boyce Brixham website has generated a lot of positive comments from clients, staff and locals. Castle Keep LLC is a bond investment company that specialises in promoting US property-based investments. We wanted to create a visually impactful document, with simple but effective graphics, and clearly displayed information. Bearing this in mind, our team of designers used striking imagery of the US property market to draw people in, and created clear and easy to read graphs to get the key information across. The London Stock Exchange (LSE) organized an investment fund conference in late March, with alternative finance playing an important role at the event. A question in the conference was, to discuss best models for investing in lending and other alternative finance platforms. The markets development is still at a nascent stage, with significant growth to be expected for several years ahead as the market gains validity and volume. While more than a third of all US states have enacted laws allowing digital investing, California is still without an intrastate securities crowdfunding regulation. The Small Business California’s Crowdfunding bill (AB 2178), proposed by Assembly Member David Chiu and sponsored by Small Business California, would allow SMEs in the state to raise up to $1 million, in securities sold in a 12-month period, within or outside this state. The bill passed the Assembly Banking Committee in April, the next step now is for the Assembly Judiciary Committee to discuss and vote it. Note: Accredited investors would be limited to investing no more than 5% of their net worth. California, home of Silicon Valley, is America’s posterchild as it comes to entrepreneurship, so its only fitting it develops its frameworks for incentivizing innovation and opportunities further. The Securities Commission Malaysia (SC), recently announced the regulatory framework for peer-to-peer (P2P) financing, setting out requirements for the registration of platform operators. Last year Malaysia was the first country in South-East Asia to introduce a framework for Equity Crowdfunding (ECF), in an effort to provide wider access to financing for startups and SMEs and create a strong alternative finance market. For those interested to operate a peer-to-peer platform, there are several criteria that must taken in consideration, including that the businesses be incorporated in Malaysia with a minimum paid-up capital of RM5 million (about US$1.3 million), and a board of directors that must be fit and proper.


Ongoing obligations are imposed on the P2P operator such as ensuring compliance with platform rules, carry out investor education programmes, having in place processes to monitor anti-money laundering as well as an efficient and transparent risk scoring system for issuer, a contingency arrangement to ensure business continuity and ensure that its rules set out a rate of financing that is not more than 18% per annum.
If you’re interested to read further about the duty and responsibility of a P2P operator in Malaysia, as well as at the requirements for issuer and investor willing to participate in P2P, you can check this exhaustive document released by the SC. Crowd Valley (a Grow VC Group company) is fortunate to work with some of the world’s foremost pioneers in new regulatory environments on setting industry best standards in practical terms.
From new approaches to commercialisation, collaboration models and the breaking down of internal silos, fintech is challenging how financial services are prepared, presented and consumed at retail and institutional levels.
Delivering tomorrow’s leading financial services will not be dissimilar to serving up a Michelin star gourmet dining experience. In today’s traditional approach, incumbent financial services organisations have built end-to-end capabilities in-house, under one roof.
In stark contrast to the traditional approach, tech startups and others are re-creating core financial services from the ground up. Commercialised via licensed APIs (automated programing interface), features can be scaled, switched on, switched off – and replaced. For example, it is possible today to combine several APIs to create an online lending service capable of connecting issuers and borrowers, including the algorithms allowing participants to set their own market rates. We coined the term Cafe Fintech to convey important parallels across two very different industries.
Today as front-of-house, Grow Advisors advise on how to get the best service from Cafe Fintech.
Today, we are developing a range of Cafe Fintechs, each comprising an expert team delivering digital services to address opportunities in different verticals. Fintech has become more mainstream, yet still leaves many organisations with unanswered questions on exactly how to incorporate meaningful technological innovation into their businesses. By recognising that the evolving landscape is much more dynamic and accessible, we hope a greater number of organisations will take a seat at the table. As a global pioneer and leader of digital finance, The Grow VC Group is championing an industry-wide awakening and acclimatisation of disruption in financial services. Grow VC Group and Grow Advisors were both recipients of Finance Monthly fintech firm of the year 2015. You can read the whole article on Grow Advisors Blog and it will appear as a special feature in the May edition of Finance Monthly. The Asian industry leading conference for the film and content production industry, 7th Creative Content Production Conference (part of BroadcastAsia2016) is showcasing crowdfunding with conference related campaigns as the first big international conference. Showcase 1: Malaysian based Cikeboom’s Pencil Key is a 2D animation TV Series for 3-9 years old kids.
Showcase 3: Italian Mimulus is a story is an international movie production that will be shot in Italy, Greece and Japan. Campaigns will start running on May 4, 2016 and can be followed and supported on Kapipal’s BroadcastAsia2016 website. Kapipal will also run side event about crowdfunding and it’s opportunities for businesses and project creators during BroadcastAsia2016. Article and analysis by Grow Advisors (a Grow VC Group company), originally published on Grow Advisors Blog. Firstly, the UK regulator, the FCA, has played an important role developing the fintech market.
The impact of these aspects depends on services, company resources and the development of digital finance services. It is clear the debate and months leading to the referendum are already having questionable effects. Fintech requires sound skills in these areas, could stand to lose out if fewer European applicants wish to (or are able to) enter the country.
As regulations develop around the world, the UK’s relative strength could diminish unless it stays one step ahead. However, as offshore regimes attract greater scrutiny, and the need for more transparent financial services gathers pace, this becomes a remote possibility. Further, some EU directives such as PSD2 also offer new fintech opportunities, and these would not be possible to non-EU UK. The UK has promising fintech startups, but they have yet to achieve significant success outside the UK. Although the UK and London have a strong position in fintech globally, the market is still in a very early phase and making predictions to which countries will dominate is a risky exercise. As all successful business leaders will attest, a critical factor underlying success is its ability to attract top level entrepreneurs, team members and employees. While it is hard to evaluate a post brexit landscape as it would be a new paradigm, we can assume it will create uncertainties for fintech companies and especially small and medium sized companies. Business needs certainty with which to plan for the future and unfortunately, a brexit would present particularly high hurdles.
The Monetary Authority of Singapore (MAS) announced new initiatives earlier in April to boost the country’s position as a global hub for the burgeoning financial technology sector. The head of the Monetary Authority of Singapore Ravi Menon and the country’s Deputy Prime Minister Tharman Shanmugaratnam, were recently at the Asia Society in New York where they announced the launch of the first Singapore FinTech Festival, to be held from 14 to 18 November 2016. As stated on the MAS website, the festival will be supported by the Association of Banks in Singapore (ABS), and will comprehend a ‘fintech hackcelerator’, an awards ceremony for the most creative digital finance applications, as well as conferences and debates on regtech. Bloomberg reported that Menon declared Singapore will regulate their fintech companies only when they grow to a size that can be a threat to the financial system.
Singapore is not alone here, other countries around the world are taking fintech growth seriously, and the UK is one of those. Digital finance is flourishing everywhere from London to Singapore, are you ready to seize the opportunity?
With crowdfunding growing in popularity, it is no surprise that universities and colleges across the globe are turning to crowdfunding in order to raise money for everything from research projects to university sporting teams.
Many of you probably know that much of our society’s top discoveries are uncovered through faculty and student research projects. For example, the University of Maryland’s Bee Informed Partnership started a crowdfunding campaign and raised $24,000 to monitor and encourage the health of honeybees that help with much of the produce that our world eats. As budget cuts continue to afflict universities and colleges across the globe, university level sports teams and clubs are finding themselves within little to no financial support. Outside of research projects and sports teams, universities and colleges are also using crowdfunding instead of – or coinciding with – traditional fundraising efforts.
As always, if you are interested in starting a crowdfunding campaign, but are not sure where to start, feel free to contact Kapipal!
Current headlines are dominated by traditional institutions becoming minor or even major players in fintech platforms globally. The aim is simple, institutions with a network of local or “community” banks are providing their customers an alternate avenue to raise capital if they cannot do so within the physical branch.
We at Crowd Valley (a Grow VC Group company) have seen both local banks and institutions identify this opportunity and enter new markets in a very meaningful way. Institutions looking to capitalise on collaboration within the fintech space, get in touch with us at Crowd Valley to leverage our full offering and industry leading Digital Back Office that bridge the gap into fintech. The Country Risk Barometer: Key Challenges for 2016 produced by trade credit insurer Coface, highlights those countries that have persevered through this economic contraction as well as those that have recently underperformed.
Bright spots from the report have been seen in Europe as a whole, with Central Europe being the highlight. That is not to say that risk from a possible Brexit, the ongoing Refugee Crisis and financial instability in countries like Greece, Spain and Portugal should be ignored.
Further, the Coface report notes that “in addition to sluggish GDP growth negatively affecting their profitability, businesses in emerging countries are currently facing a second problem: their growing debt. In some of our former posts we have discussed how artists and entrepreneurs are using crowdfunding to raise money for their art and business projects, but did you know that athletes of all ages are using crowdfunding as well?
Over Kapipal’s history, we have found that there is not one specific point where athletes turn to crowdfunding. To get started, go to the Kapipal home page and click Start Project in the top-right side of the screen.
League Fees – Even fun adult softball leagues have been known to have fees, so if you and your team are a bit tight on money, crowdfunding could be a great way to generate the funds needed to get you and your team playing! Tournament Fees – No matter whether you are participating in local tournaments or national tournaments spread out across the country, there are always fees associated and sometimes they can be pretty hefty!
Equipment – Whether it is soccer cleats or football helmets, equipment is very important, especially in regards to player safety. Finance professionals, platform operators and anyone interested to learn more about digital finance and the fintech market. The Grow VC Group has collected a new vision and insights document (see below) that focuses on new business models, new finance instruments and better utilization of resources in the finance sector.
In our document we especially focus on four key areas: 1) capital, 2) distribution, 3) instruments, and 4) customers.
We have listed some key areas to enable these new models: 1) new competence and knowledge development, 2) data and analytics, 3) technology, and 4) new innovation models. The Grow VC Group works in many areas in the ecosystem to develop new competences, services and technology solutions.
Many parties see that there will be more requirements for the back offices of the platforms, for example in KYC, AML and reporting functions. In summary, many alternative finance and fintech events have started to repeat one another.
Now it is important that this new industry really starts to think about the next big steps, how to really get alternative and digital finance to a major role in the finance sector. At TradeUp (a Grow VC Group company), our investment thesis is built on the consistent research finding that globalizing companies outperform the broader market. One of the most rewarding aspects of Kapipal (a Grow VC Group company) is hearing countless success stories of campaign creators turning their dreams into reality. My campaign was created in order to raise money to finance the artwork and duplication of my new album, « Ice Age Paradise », a record featuring a ten-piece ensemble of horns, strings rhythm section and voice.
My record label informed me recently that they had decided not to put out my new album and therefore I was forced to find a DIY approach to financing final steps of the project. A friend used Kapipal to create his own crowdfunding campaign to finance the completion of his current album and he recommended your service to me.
Yes, several people that I didn’t expect would donate actually did and others whom I thought would, didn’t. We’ve written about the API Economy previously and expressed our optimism toward specialization of service providers in the financial services market. In 2013, a revised Payment Services Directive (PSD2) entered the discussion and was proposed by the European Commission with the objective of furthering the services and standards in the original framework. In the framework of PSD2, there are provisions to mandate a requirement for financial institutions to provide access to their core banking services for service providers through an application programming interface (commonly, API).
The aim of this interface and more broadly framework, is to bring strong customer protection and efficient fraud prevention standards into play, but the effects on pushing financial institutions into adopt the philosophy around the API Economy may be much more significant than the framework might lead you to believe. From our work with leading financial institutions around the world, we can see the work on exposing interfaces and making core banking services available already. It may be tempting to think, that frameworks put forth by the European Commission would only have an impact within its jurisdiction.
As governments around the world look to small and mid-size enterprises (SMEs) as engines of growth, trade and job creation, a thorny challenge stands in the way: hundreds of billions of dollars of pent-up demand for trade finance. This financing can be used as export working capital that enables a company to purchase labor and inputs to fulfill a specific export order. While critical for SME trade, such transactional financing is not enough to fuel globalizing SMEs. These findings are indicative of a global trade finance gap, now estimated at $1.4 trillion, $693 billion of which is in developing Asia, including India and China.
Pictured below are a VASCAR system, a police radar gun, and a police laser gun showing similar speeds based on time the vehicle traveled from point A to point B.
SML Teaches At McKinney Police Academy-SML was invited to conduct NHTSA compliant Master Radar Laser Instructor curriculum to some thirteen departments at the McKinney, TX Police Academy in late May i??2013. Students were required to give a ten minute presentation of a germane topic of their choice which was graded by other class members. SML Assists Prosecutor In Painesville, OH-SML assisted the prosecution in the municipal court of Painesville, OH in June 2013. Fort Worth Police Department Calls On SML To Develop A Written Policy-SML was invited to contribute to the development of a new written policy for the police department on the use, daily checks of accuracy of radar and laser systems, re-certification of equipment and re-certification of officers in April of 2013.
SML Teaches In New Mexico-Early May saw SMLi?? teach NHTSA compliant Master Radar Laser Instructor i??curriculum at Safety City in Kirkland, NM. SML To Assist Prosecutor In Fulshear, TX-Officer Lindsay Miller put SML in touch with the Prosecutora€™s Office of Fulshear, TX which is a suburb of Houston, TXi??.
As is our standard procedure, we had certified police officers operate all laser and radar guns. All of the detectors alerted to laser from one mile when we aimed the laser guns directly at them.
SML Teaches At McKinney Police Academy-SML was invited to conduct NHTSA compliant Master Radar Laser Instructor curriculum to some thirteen departments at the McKinney, TX Police Academy in late May 2013. SML Teaches In New Mexico-Early May saw SML teach NHTSA compliant Master Radar Laser Instructor curriculum at Safety City in Kirkland, NM. SML To Assist Prosecutor In Fulshear, TX-Officer Lindsay Miller put SML in touch with the Prosecutora€™s Office of Fulshear, TX which is a suburb of Houston, TX.
Thus, the term for materials expertise conducted by the State Expert Center has been reduced to 20 business days. The Resolution proposes the Ministry of Health to establish the expertise procedures for the abovementioned products, but with an approval of the Ministry of Economic Development.
This Draft Law also proposes to establish the simplified registration procedures for all medicinal products that have already been registered in the USA, Switzerland, Japan, Australia, Canada, and the EU. In particular, the team made a comprehensive research on medicinal product markets, which may be affected by the concluded marketing agreement, conducted social and marketing studies, analyzed the experience of GlaxoSmithKline group of companies regarding the relevant agreements in other countries, developed internal standard operating procedures for the Client with regard to pharmacies and pharmacy chains cooperation. We would also like to express our gratitude to the project team members representing GlaxoSmithKline Ukraine for the fruitful collaboration. The Draft Law was initiated by the Cabinet of Ministers of Ukraine and presented the same say at the Government session.
This Regulation belongs to the package of documents drafted in order to implement the new model of Essential Medicines List. The difference lies in the fact that all individuals intending to include a particular medicinal product into the List shall have an opportunity to submit a corresponding application including the documents confirming the comparative efficiency, safety and cost-effectiveness of the product. The Regulation Annexes formalize the application execution Instruction for amending the National Essential Medicines List. The adoption of the Draft Resolution shall promote the establishment of professional centralized procurement organizations (hereinafter - CPO) in Ukraine, which requires some time and incremental actions.
CPOs shall be established under the Health Ministry decision and shall operate under its supervision.
During this period all medical devices shall be introduces to the market and put into operation on the basis of acting certificate of state registration. Registered medical devices with the certificate expiring after July 1, 2017, should undergo the compliance assessment procedures after the expiration of such certificate in order to stay on the market. The structure and contents of national lists will be based on the latest edition of the Basic List of Essential Medicines recommended by WHO. An important step forward is the need to study whether or not such persons present a conflict of interest, as well as the possibility of participation of foreign specialists with the necessary knowledge and experience in the selection process in the national list,"- said Dmytro Aleshko, who heads the team of experts developing a normative - regulatory package  on this matter. Such persons shall not present a real conflict of interest, in particular,  they should not be in an employment or any other contractual relationships with producers and holders of certificates of registration of drugs or associated persons. At the same time, the Law provides a number of cases to which the provisions of the latter do not apply. In addition, the AMCU has specified the meaning of such aggravating circumstances as the obstruction of case investigation. This method is recommended in case the respondent did not provide any information on the total revenue at the market where the concentration took place and at adjacent markets. Thus, previously the basic penalty equaled up to 5% of the revenue from the sales of the products (goods, works, services) of economic entity in the last reporting year prior to the year the penalty was charged, and if there was no revenue or the respondent did not provide any information on the total revenue – the penalty equaled to 10 000 of non-taxable incomes of the residents. The written appeal should contain all data outlined in the Procedure, it should be signed by the appellant-physical entity or by the authorized person, for other appellants – the appeal should be signed by the director or a legally authorized representative and sealed (if available). Thus, the new procedure provides a number of new features, the most interesting of which relate to the applicant. At the same time, each applicant's pharmacovigilance system can have only one authorized person responsible for the pharmacovigilance (hereinafter – authorized person). Should the applicant not be located in Ukraine, then a contact person for pharmacovigilance in Ukraine, who is a subordinate of the applicant's authorized person, must be assigned on the territory of Ukraine. In comparison with the current procedure, the new procedure establishes simultaneously a clear framework for such PSMFs with the requirements for information that must be contained in it.
It should be noted that the current procedure contains a provision, according to which the applicant creates a pharmacovigilance risk management plan, i.e. The draft resolution prepared by the Ministry of Health of Ukraine , does not contain any significant differences , except for some editorial amendments.
The matter concerns a three-way contract, the requirement for the conclusion of which seems by importers to not be feasible. Therefore the draft legislation at hand is aimed at initiating access to such information, which will enable all interested citizens, their associations and professionals to decide on the selection  for the appointment and the medical use of the medicinal products on the basis of objective data concerning the level of proof on their safety and effectiveness.
Being an annual event for the pharmaceutical sector representatives, the Conference focuses on the regulatory aspects of the pharmbusiness and other legal tendencies of the pharmaceutical market. Krzysztof Siedlecki, European Business Association President, Astellas Pharma Europe BV Country Manager Ukraine, Dr. The discussion was held around the current status, potential problems and roadmaps in this sphere.
The session was opened by Legal Alliance Partner Oleksii Bezhevets, who informed the participants on the main changes in anticorruption requirements.
Legal Alliance Associate Partner Andrii Gorbatenko, who leads the antimonopoly and competition law practice, acted as a moderator of this session.
Nevertheless, all the attendees remained satisfied with a quantity and quality of the information received at the event and expressed a desire to meet in such a format at least twice a year. Quality criteria for nutrients used for the production of dietary supplements must comply with the requirements of Ukrainian legislation and in their absence - standards established by the Codex Alimentarius Commission. The opportunity to track  dietary supplements and any substance intended to be administered in dietary supplements should be ensured at all stages of production and circulation. According to the proposed changes , the relevant contract may be concluded not only by the sponsor of the clinical trial , but also by their  authorized representative. In addition the mentioned procedures shall not be applied to the appeals against decisions made in the course of administrative violations proceedings.
Prior to this Resolution adoption the list approved by the CMU Resolution a„– 400 March 29, 2006 was in force containing 783 products among which only 1 product was a medical device – test system. The essential medicines are selected with regard to the morbidity rate, comparative effectiveness and safety evidence, economic efficiency.
So IMC asked us to create a responsive and modern website, which reflects their experience and professionalism while also providing a detailed introduction to all of their services. We also set IMC up with Webmaster Tools and Google Analytics, so they can effectively analyse their website traffic and usage data to measure return on investment (ROI) and make intelligent marketing and business decisions. They have a great team that make things happen, and they are always so professional and supportive. As Easter approaches, we're once again reminded that our company has grown another year older - and is now only a year away from double-digits! We've been contending with innovative business ideas, technical challenges, tight (!) deadlines, high-end print specifications, brand developments and more' and we've loved (almost) every minute of it! Our Client Services team is bigger than ever before to make sure we continue to provide a consistently high level of service while our company grows. Before you think it was all just a big joke, we do in fact have some BIG news in the pipeline over the coming 12 months.
By doing this, Penton Park hoped to engage and educate couples to the point that they were 90% committed before booking a viewing. In order to design a brochure that really worked hard, it was vital to understand the major driving forces behind Penton Park. We simplified their brand message, and evolved this to create a more high-end, luxury and visual product. They directly attribute this to the new brochure, and are finding that the couples who choose to view the house are already completely sold on the venue. On the back of receiving the brochure, they booked a flight to visit the house, pencilled in a date, and confirmed their booking the day they visited.
All of their booked viewings are with couples who really understand their brand, ethos and offering.
Creative flair and engaging content are vital of course but did you know that a slow website is likely to cost you in lost revenue, reduced user engagement and lower search engine rankings? Read on to discover what impact this can have on site usability and conversion rates and gain insight on what can be done to improve it.
Website performance is even more important on mobile devices - users who are on the go expect the same level of responsiveness with 71 percent of users expecting sites to load on smartphones just as fast as they load on desktop computers. An alarming 88% of online consumers are less likely to return to a site after a bad experience, making it even more important to ensure your visitors have the best user experience possible. The knock-on effect from providing a better user experience means that your site will undoubtedly rank higher.
Having the website hosted on a server closer to your visitors will significantly reduce the TTFB. AWS provides a comprehensive range of capabilities, from file storage to virtual servers and because the same technologies are used to power Amazon's range of global e-commerce sites, you can be sure they are robust, reliable and well supported.
As his website attracts tens of thousands of visits per month from 180+ countries, he needed a scalable solution for the storage and delivery of his high-resolution photography.
With CloudFront, your content (be it images, videos, files) is replicated across many servers around the world.
If your site has a large amount of data to search we recommend using a dedicated search service such as Algolia.
This involves storing a pre-generated version of the page and serving that to all website visitors to help significantly reduce the time the page takes to load. This simply means storing website data on your computer so next the time you visit it, everything loads much faster. One of the most important values here is 'max-age' which controls how long the resource remains stored on your device. However, images take up 64% of the average web page so it's important to keep the right balance between having sharp imagery and the impact it could have on your website's performance. A sprite image consists of all your icons placed side by side in a single file, we then tell the browser which section of that file to use to display the correct icon. Running all your images through an optimiser or compressor (such as ImageOptim) helps strip out all that redundant data reducing file size significantly. All data that's served by our web servers is configured to be compressed using a technology called Gzip.
We will put together a comprehensive report that scores your site on the factors discussed above and provide advice on how you can improve your site's performance and conversion rates. Established in 2007, we've rapidly built a reputation for effective creativity and delivering results. As Christmas fast approaches, we just wanted to give you the heads up on our opening and closing times during the holidays.
We'll be periodically checking our email accounts during the holidays, so if there is anything important it won't be missed. The team will be enjoying a well-deserved Christmas party - mulled wine and festive songs at the ready! Before you know, it's the end of November and you haven't even thought about the Christmas marketing for your business yet. Most retailers make more than half of their sales in the 3 months before Christmas and sales in-store fell by 2.1% in the UK last year - everyone is going online to shop. In fact, the UK spends the most money in Europe during the festive season, 59.2% of which is on gifts.
Logos come in all shapes, colours and sizes; from typographic marks to symbols and everything that falls in-between. Up until that point, the logo hadn't really changed since 1999; some small changes were made back in 2013 but these were very subtle. Rather than going for a drastic change, the company recently made a change to their word-mark, again, to freshen it up. The brief for Eric Olson, the creator of the Klavika font (the original Facebook typeface) was to create a new customised word mark that had a friendlier look but was still identifiable as Facebook. The colour scheme has been slightly revised to "maintain saturation and pop", while new elements like their website icon, an upper case 'G' that uses all 4 'Google' colours, and the Google dots have all been introduced. People often think that a brand is made up of a few simple elements like a logo and a website; but there is a lot more to it than that.
For example, a Coca-Cole Executive once said "If Coca-Cola were to lose all of its production-related assets in a disaster, the company would survive.
Of course, this is our opinion and others' might differ but we hope that this has given you an interesting insight into the world of branding. We have an extremely exciting opportunity to play a pivotal role in developing and driving innovative online marketing strategies for our exciting portfolio of clients. Working across industries from prestige property to sports photography, we offer everything from web design through to social media, strategic marketing campaigns and print design.
The ideal person will have experience creating online marketing campaigns for a variety of brands and have a strong understanding of Google analytics and community management.
There's a huge amount to get stuck into from day one and lots of areas for you to add value and make a great reputation for yourself!
Toni is planning to join hundreds of colour crazy people who will walk, run or even dance a 5k route along Paignton seafront. Jess Goodwin, Events Co-ordinator at Rowcroft says "The funds our Colour Rushers raise will go towards providing care to over 2200 people facing life limiting illnesses across South Devon every year, as well as supporting their loved ones and carers. Amazon was launched in 1995, but wasn't able to turn a profit until 2003 - that's 8 whole years!
However, because of this surge of activity, only a few apps actually took hold and became successful. The focus is now on improving the user journey and experience, to drive sales, increase consumer interaction and to encourage repeat purchases.
It was launched in the US on the 20th of October 2014 and in the UK on the 14th of July 2015.
It has become the nearest contender to the in-store experience and, in fact, by 2017 (according to Cisco), it is anticipated that video will count for 69% of all consumer Internet traffic. Given the limiting patience of modern audiences, video is a great way to grab the attention of existing and future customers, and show off the full potential of the products or services.
Using 360-degree panoramic photography, consumers can 'walk around' in a similar manner to Google Street View and can click on any item they see, which then opens the product on their e-commerce site.
This is still in the early stages, however it is thought that it will become more and more popular for large retailers, and customers who enjoy the in-store experience but can't physically access the stores that they would like to.
While we make sure that we keep up with latest industry trends, we also understand that they might not be right for every business.
Working across industries from prestige property to sports photography, we offer everything from web design through to social media, strategic marketing campaigns and print design for our wonderful set of clients. Simply put, a responsive website responds to its environment and optimises its content for the screen size it's being viewed on. In a nutshell, this means that if your website is mobile responsive, it should be placed higher in the search results, and most certainly above those that aren't mobile responsive. Naturally, Google want their searchers to have the best experience possible when using mobile devices. The bottom line is, if a website isn't responsive, then it is very unlikely visitors will convert when using mobile devices.
This gives you ultimate control in guiding customers through a strategic sales funnel towards both products and services. It is proven that when a user has a positive experience on a mobile device, they are more likely to buy a product or use a service.
With more and more people using their mobiles and tablets to search and make purchases online, you have to cater to that audience by having a mobile responsive site. Increase your conversion rates and take potential customers away from your competitors (chances are, they're not making use of responsive designs)! Our team has not only grown in strength but also in size with new staff coming on board in all areas; additions to the Design, Tech and Client Account departments, as well as an Office Manager, means we are now even better placed to expertly look after our clients (and team) alike. Unsurprisingly, with all these new additions to the team, things were getting a bit crowded at The Byre, so we moved to a new, bigger studio space at the Waterside in Totnes over the Christmas period.
As you all know we have been very busy this past year with lots of projects and we've also taken on a number of fantastic new members of staff. In a great central Totnes location overlooking the river Dart, the new Formoda office is situated on The Plains just next to The Waterside Bistro. With a modern, clean interface, the site is easy to navigate and quickly conveys EcoPlanet Bamboo's mission and objectives. Formoda were recently tasked with creating an iconic brand for Naked Faun that would reflect the unique nature of the products. This gave our designers the idea to incorporate ancient rune-like lettering, giving the brand a simple and clean look, with a traditional crafted element. We also designed the new Naked Faun website and built it on the Bigcommerce platform (a great ecommerce & shopping cart solution). As we've continued to expand our service offering and embarked on exciting new projects for a number of different clients, our team has grown with us to allow us to continue to offer the high level of service that we have become well known for.
Alongside her studies, she managed to squeeze in plenty of work experience and has collaborated on multiple design and digital projects.
With over 10 years of business support and customer service experience gained across a variety of sectors, Nic has excellent organisation, administration and multi-tasking skills. With a fantastic team made up of creatives, developers and project managers, we're continuing to increase our scope of services and make a real difference to our clients. From web design through to social media, advertising campaigns and print design, Formoda is one of the South West's leading creative agencies. As anyone who knows Dartmoor will attest, the views across all of South Devon are stunning.
Each person left the Beech 99 aircraft at 15,000 feet and had 60 seconds of free fall to take in the spectacular views of our beautiful county. Don't worry, we don't expect you to know everything and will provide training and support to help you grow in your role. Visual brand consistency was a crucial element, as was creating a striking document that clearly conveyed the key selling points to the customer. Our team designed an impressive graphic layout, elaborating on the fundamental content through simple, yet eye-catching imagery. Established in 1925, the Independent Estate Agents pride themselves in their local knowledge and professional expertise.
The same size images are again used on the property details pages to really showcase the amazing local properties marketed by Boyce Brixham. Property details pages include a trove of information including key features, full property descriptions, floor plans, brochures, EPC details, location and more. It's a great example of a modern, sleek yet usable website design for Estate Agents and sets a new standard in a market where agency websites are often neglected.
Funds and wealth management business has especially need to find more uncorrelated assets in their operations. One conclusion of a panel discussion on the topic was that ‘open-ended’ models don’t work properly with p2p loans. They listed some requirements and candidates for those instruments, for example, 1) they must be scalable and easy to understand, 2) new real estate based instruments, and 3) PRS (Private Rented Sector) investment instruments. What the market needs is sophisticated participants with a long term view and commitment to developing these new models, pioneering new opportunities and setting benchmarks in the market. Investing in startups, family-businesses and more in general in SMEs, is not that easy yet.
While the investment limit for retail investors is the lesser of $5000 or 10% of their net worth.
The prior attempts to pass a crowdfunding law in California were not successful but now it could be the right time. The new California Local Economies Securities Act (AB 2751), by the Sustainable Economies Law Center (SELC), which already passed the State Assembly Banking and Finance Committee, aims to make investing in local businesses much easier. These two initiatives are an important step in developing access to capital for small businesses and further growing the entrepreneurial ecosystem in California. Those interested to start a P2P financing platform can submit their application to the SC starting yesterday, May 2 2016. After having released these guidelines for digital investing, the securities commission authorized the launch of six platforms (Alix Global, Ata Plus, Crowdonomic, Eureeca, PitchIN and Propellar Crowd+) allowed to facilitate digital investing for non-accredited investors. You can find the new rules in the Chapter 13 of the document (Guidelines on Recognised Markets). Everything from front-of-house services, such as customer on-boarding, account management and customer advisory, through back-of-house services ranging from risk management, payments, transactions and settlements.
From e-wallets, payment gateways, ID verification, KYC, AML and others, these building blocks are designed to be integrated and run with others. The increasingly advanced range of APIs now on offer begs the question – why develop stand alone in-house solutions?
Throw in payment gateways, custodian services, AML and online KYC checks, and you have a market ready platform.
A Michelin starred restaurant, where the best professionals in their chosen areas of expertise are brought together to offer unrivaled service.


This starts with understanding a client organisation’s digital culture, and alignment with future goals and opportunities in terms of customer service. Our consulting and advisory unit Grow Advisors offers professional services aimed at fostering and growing the use of digital finance around the world. Together with Southeast Asian Audio-Visual Association (SAAVA) and international crowdfunding platform Kapipal, the Creative Content Production Conference is offering film projects to raise money, increase awareness and connect with industry’s leading investors at the event.
It’s an adventurous & humorous short story about a boy who finds a gadget from outer space that is extremely dangerous. Bhutan, famously known to initiate the Gross National Happiness index as a measurement of and national success, is also one of the world’s most isolated nations. It’s a story about Petros, a Greek professor researching Nikiforos’ personal diary to research the mystery of the stones the three walls of the Holy House of Mary, today inside the Basilica of Loreto, really come from the Byzantine church of Porta Panagia, in Pili, where they were guarded by the Byzantine family Angelo Ducas Comneno.
The financial services sector is a major backbone for the UK economy, and fintech an emerging sector within it.
It has enabled a culture that allows and encourages innovation of new services; where regulations and guidelines are based on actual experience and industry feedback loops.
Recruiting in the UK’s finance sector has slowed according to a recent Financial Times article (paywall) as companies see uncertainty and delay recruiting decisions until after the vote. It would lack essential skills and experience in areas such as technology, internet and data science. Though local licenses may still be required depending on the service offered, the UK has been able to benefit from the global appeal of its fintech ecosystem. Today one can argue the UK offers better and more liberal regulation for fintech companies. If we factor in the fact that there isn’t a strong history of UK businesses with significant international success in Internet, retail or technology, UK fintech success on a global scene is not a foregone conclusion.
We have outlined several risks facing UK based companies when looking for growth in Europe and globally.
Add to that the importance of an environment conducive to grow business, one that encourages talents to come and innovate. Below, we will detail some of these crowdfunding efforts and also note that more and more universities and colleges are using crowdfunding as oppose to traditional fundraising efforts. Yet research projects often require finances (sometimes a whole lot!), so where do researchers turn to in order to generate funds?
Rather than give up, students and coaches are turning to crowdfunding as a way to generate funds so players can continue to play the sport that they love. The premise behind this is that universities are better able to leverage their alumni network via social media contact, as opposed to traditional contacting methods, like newsletters or postcards. This week it was announced that BlackRock made an investment of ?12.7 million in Funding Circle. This comes in the form of onboarding these customers onto a digital finance portal which they operate.
By operating in the “cloud” platforms both future proof scaling and mitigate internal controls to enter the market efficiently. Utilising their internal expertise in market knowledge, operations and product positioning, it gives them an advantage over most.
Benefiting from cheap oil, the weak euro, and the slow decline in unemployment, the outlook looks positive overall. Sometimes they are a fresh individual or group looking to start a new league or raise money for a future event, other times they are already well-established and simply need funds for new jerseys or tournaments.
Digitization, alternative finance and fintech enable many new things, but they are enablers and the ultimate target is to offer better products and more value to the customers, to increase business earnings and offer better ROI for capital. We then highlight some models and solutions, how finance companies can increase efficiency and value in all those key areas. The established finance institutions often also need a significant culture change to adapt to new models.
For example, Crowd Valley’s back office enable fast development of new finance service on robust cloud based back office functions, DealIndex is the leading source of Alternative Finance data, Grow Advisors assists finance companies in the transition to the digital era, and TradeUp develops new models for export growth capital.
Banks have their capital restrictions and price for capital tied to higher risk loans that leaves a lot of room for other players. There are some activities in that area and often sought from the investors position, but e.g.
This is the area where Crowd Valley also offers leading solutions for platforms and portal to meet their ongoing and long-term requirements. They have the same stories about regulation, some known platforms and speculation, how new models can have a huge potential.
It requires more ecosystem, business model and technology competence than most conferences offer today.
Now Boston Consulting Group (BCG) has produced evidence that private equity funds with portfolio companies with increasingly popular buy-and-build strategies (in which a PE firm buys a company and then build on this platform through add-on acquisitions) with cross-border acquisitions outperform buy-and-build strategies that are purely domestic and strategies that do not include buy-and-build.
The international expansion of a formerly domestic company is hypothesized to unlock opportunities for cross-selling, generate larger scale economies, and catalyze further expansions, especially if the business improvements raise investors’ expectations of results that have yet to be reflected in financial performance.
Many of these stories are so remarkable that we decided to create a “Creator Spotlight” blog series. Each person who donated will receive a copy of the album and depending on the amount given, she or he will obtain the music in a different format (ex. It looks like frameworks and proposals being put in place may speed up that development, by forcing uniform standards and requirements on the market. The revised Payment Services Directive (PSD2) may have a long term effect and catalyze the banking sectors position shift to piping from certain high-value services. The PSD2 is still not fully set and the discussion is still ongoing, however, there are various elements that are interesting to examine and are being anticipated by service providers in the financial markets. The use case is to allow third parties, with the end users permission, access to certain services using their accounts with financial institutions such as banks. Take for instance the Spanish Bank BBVA’s API Market platform that’s been rolled out in Spain and the US so far. We can see the amount of investment being made into new cutting edge technologies, new ways of providing services and new business lines being created. Or it can be used as supply chain financing that helps the company get paid faster for its export shipment than its foreign buyer wants to pay, and thus get cash flow needed to process the next order. Debates on the trade finance gap—and on export promotion and trade and development—need to focus on the growth capital gap.
World trade grew an average of 3 percent between 2010 and 2015, after 6 percent annual growth between 1983 and 2008. We wanted to see if the laser guns producei??d the same speed when shot at the same target vehicle. VASCAR stands for Visual Average Speed Computer and Recorder, it is a stopwatch from point A to point B. Part of the curriculum is to have students develop a Valid Visual Tracking History on some 100 vehicles.
A total of 90% was required for passing composed of class participation, testing (pre-post instruction), field performance, and presentation.
Officer Miller had attended SML Master Radar Laser Instructor Course conducted at the McKinney Police Academy. We wanted to see if the laser guns produced the same speed when shot at the same target vehicle. The term for making the decision on or the rejection of the state registration has been reduced to 10 business days. Please note, that the Ministry of Economic Development is mentioned for the first time in the context of the state registration of medicinal products and previously was not involved into any step of the registration process. In addition, we would like to mention a substantial expertise and due attention to this issue expressed by Antimonopoly Committee specialists.
The reimbursement of insulin products costs shall be fulfilled at the rate of reference price for the medicinal product approved by the Ministry of Health of Ukraine.
The patients shall receive their medication for a lowered price or for free in accordance with these categories. Business entity should submit the relevant report not later than the 5th day of the month following the reporting month, and in December — not later than the 24th day of the reporting month. An important selection criterion is the presence of experience of the evaluation of the comparative efficacy (effectiveness), safety and cost-effectiveness of drugs. This Order updates the mailing procedures for tax assessment notices to be sent to taxpayers by regulatory authorities. Today the AMCU increased the penalty up to 30% of the revenue from the sales of the products (goods, works, services) that violated the legislation on the protection against unfair competition. In the end of the session the Legal Alliance senior associate Alexander Bondar presented a report on the new public procurements law, which practically implements the electronic procurements (electronic auction), electronic system of appeal, and the exchange of information, documents, submission of explanations in the electronic procurements system. In the course of his report the delegated had an opportunity to discuss the plans and implementations of 2015 and to share their expectations and forecasts for the coming year. After he passed the floor to the special guests of the conference - Aliona Kushnova, Judge at the regional Kiev administrative court, and Jonas Triggvason, Managing Partner, UPharma Consulting.
The session was traditionally opened with an analytical report on the status of the pharmaceutical market in 2015 presented by Irina Gorlova, General Director, SMD. Vitalii Savchuk, Senior Associate, Legal Alliance, presented a report on the most high-profile cases, investigations and court practices regarding the pharmaceutical industry.
Before 2006 the list approved by the CMU Resolution a„– 1482 as of November 16, 2001 was acting.
We're helping IMC to review their data and ensure they're making the most of their online presence! It offers an in-content editing functionality, which makes it far more user-friendly and flexible than other solutions like Wordpress.
We've been pushing ourselves and our clients beyond the limits of what's "comfortable" - and it's incredibly satisfying when the end product delivers great results. In addition, the Design and Development teams have both been joined by talented and enthusiastic new staff members. With all that company growth and a weighty workload, our plans have simply been delayed a little bit but we're now back working full-steam towards our very exciting but secret plan. As a unique family run business, we wanted to know their motives, unique selling points and all the stories in between! These clients are fully aligned with Penton Park's vision, hence why there is a higher conversion rate! Wait time is a key factor that strongly affects user experience, reducing this will increase return visitors and the amount of time they will stay on your site. Both should be optimised as a lower TTFB is proven to have a positive effect on your search engine rankings whilst PLT is an important factor from a user's perspective. Our main web servers are hosted at a purpose-built data center in Maidenhead, UK which provides good connectivity throughout the UK and western Europe. We integrated Amazon's S3 file storage service to provide unlimited storage and Amazon CloudFront to provide the fastest possible load time for his images and static assets.
When a user requests your content, their request is routed to their nearest geographical server which helps reduce the response time so they get the content faster. Algolia uses their powerful indexing algorithms to provide relevant results at the speed of a keystroke without the need to maintain your own hardware.
A secondary advantage of the Formoda caching system is that you can make amends and edits to your site without them going live immediately.
Without client-side caching, for every page you visited your browser would need to re-fetch the website's assets, many of which could be unchanged, wasting time and bandwidth.
The use of sprites cut down the amount of files your browser would have to request from the server as many images can live in a single file.
This process removes any unnecessary whitespace and characters, reducing file size significantly.
By compressing the pages, there is less data to send from the server to your browser, in some instances up to 70% less, which can have a dramatic effect on page load time for your users. But it can be easy to make sure your customers feel special, sometimes a simple email campaign or email newsletter will remind them that you're there. Josh Higgins, Facebook's Creative Director said of the change, "While we explored many directions, ultimately we decided that we only needed an update, and not a full redesign". It is the mark of a company, person or organisation that is easily identifiable and creates part of an identity for the company or individual.
Although the new logo is seen to be a big change, Google did experiment with various styles that were much more abstract, but ultimately decided to reject these in favour of a logotype that retained their distinct multi-coloured sequence.
Each stand-alone element needs to be coherent and work together in establishing the identity.
And even with the logo gone, the colour, shape and typeface ensured that the cans were instantly recognisable as Coca-Cola products with the iconic red and historic dynamic ribbon.
These additions have been applied to everything surrounding Google meaning they have adapted their identity. It is more than just the visual aspect of the company; a Brand is the 'biggest part of the picture'.
In the book The Brand Gap, Marty Neumeier says, "A brand is a person's gut feeling about a product, service, or company. By contrast, if all consumers were to have a sudden lapse of memory and forget everything related to Coca-Cola, the company would go out of business". Give someone who has never seen anything related to your brand a piece of your collateral without your logo; then ask them if they know what your brand is. Collectively, we're addicted to cake, enjoy a good social outing and engage in daily battles to get our favourite songs on the studio's Spotify playlist.
Well we're here to assure you that there's much more to it than this, and like all things digital, the industry is ever-changing. It is expected that many smaller sites will also begin to follow suit after seeing the success of the larger brands (Econsultancy, 2015). However, with the increase in contactless bank cards, in the next couple of years, it will become more and more mainstream, as time-restricted consumers use it as a convenient way to make purchases in a matter of seconds. It is a very clear response from modern consumers on how they wish to make their journey through the buying process: Make it fun.
Working across a range of devices (mobile, tablet and desktop), responsive sites aim to provide optimal viewing for the end user. Whilst this change is important, a variety of other key factors also continue to be used to rank search results such as site relevance, freshness of content, site performance and user experience. Returning searches with high quality and relevant content, websites that are easy to read (no pinching and zooming!) without horizontal scrolling is a high priority of theirs. Responsive design ensures that users have optimum interaction, easy reading and navigation, minimum panning, resizing and scrolling and clear call to actions. We can't believe it's been 8 years now since we started out in the midst of the recession and have since built a creative agency that is continually going from strength to strength.
We're working on some very exciting, top secret plans for our 9th year while continuing to produce the best possible design and digital work for our clients. Whilst we are all moved in, we're still making improvements here and there and have some boxes left to unpack. We'll be periodically checking key email accounts and mobiles during the holidays so if there is anything important it'll get through - otherwise, we'd love to catch up in 2015! Since launching at the beginning of November, the Naked Faun brand and products have received lots of positive attention on social media with orders coming in thick and fast. Jaz's favourite areas of design are branding, typography and photography and she is already producing beautifully designed work for Formoda. This combined with buckets of enthusiasm allow Nic to expertly look after our clients and the Formoda team in an effort to provide support where required and help us expand. Quarterly reviews take place in the pub (with breakfast), we'll give you Spotify Premium and we enjoy regular social outings as a team. Fuelled by a not inconsiderable quantity of energy gels, David eventually finished in four and a half hours, a few minutes from a gold. This included creating attractive, but easy-to-understand charts and using clear, bold icons.
They also concluded that the US BCD (Business Development Company, similarities to VC funds) is a very problematic structure to use for p2p loans. To name a few in October the SEC approved the Title III of JOBS Act, making online investing possible for retail investors. From a pure innovation cycle point of view, they offer a credible alternative to acquiring or buying out companies seen as threats to incumbents. From funding solutions to marketplaces and co-investment models, we help disruptors and incumbents alike, to set business strategy and deliver technology solutions.
As the Buddhist kingdom continue to modernize and open up to the world, will the ‘happiest country in the world’ continue to remain contented and happy? In contrast, many countries have opted to define exacting rules beforehand, leaving much less room to innovate and often stifling the very sector they aim to grow. Looking closer at fintech, it requires a mix of several key skills including 1) finance, 2) Internet services, 3) technology, and 4) data science. Recognising the importance of foreign labour skills, even the ‘Leave’ campaign suggests the UK could continue to take on foreign workers.
If ‘Leave’ wins, the ensuing EU resignation process could take up to 2 years, though negotiations and developing new business frameworks are expected to take even longer. Skilled workers from outside the UK often make up for the shortfall where highly analytically skilled professionals are needed. In a post brexit environment, this may no longer hold true, and other cities more accessible may emerge as beneficiaries. However, companies wanting to operate in other countries must fulfil specific requirements in those countries too. In contrast, other European countries such as Germany, Sweden and Spain, have created highly successful modern consumer business globally. With ?6.6 billion in revenue and more than 60,000 people employed in 2015, the size of the UK financial technology sector is already considerable and considering the attention given to the sector, the future definitely looks promising. Traditionally, researchers would have to compete for grants, yet now more and more are turning to crowdfunding in order to raise money for their projects. This is still in its initial stages, but universities spread out across the entire United States – in states such as Utah, Vermont and Virginia – have launched crowdfunding campaigns in the past, and more are preparing to in the future! Similar activity is mirrored by companies such as Goldman Sachs, JPMorgan and DBS in Singapore. The motive for the institution is clear and with the rise of “collaboration” it makes entering the market effortless. With the prospect of economic volatility reaching developing countries, evaluating risk is key when determining investment and trade opportunities. Whether it is an Olympic level athlete generate funds for the Rio 2016 Summer Olympics or a youth sports teams trying to gain support for their tournaments and travels, athletes from all over the world are using Kapipal (a Grow VC Group company) to raise money for their dreams.
With the campaign page, it will be a very important that you inform your audience of who or your team is and what your goals or dreams are. The UK has been the leading market, where the FCA has had an important role to play in enabling the fast development of the industry.
I also boosted my personal music page on Facebook in order to reach a wider number of people.
Similar initiatives are being prepared and launched in various forms of innovation accelerators, internal ventures and new business development teams around the world. Given the interconnectedness of the global financial services sector, new ways of delivering are being prepared and launched all around the world, and strategies are being laid out on how positions are changing in the market. The same characteristics in the market demand that ultimately manifest themselves also in new regulatory discussions and proposals, are what is is driving this shift from Asia the to the Americas. We will see banks both lead and get left behind, with the shift to becoming more relevant to the market, the consumer and the service provider longer term being the main focus.
Growth capital is equity and longer-term debt financing that is not aimed at any one trade transaction, but rather at expanding a company’s production and sales capabilities.
We found of the 100 comparisons of speeds reported by a radar gun and several laser guns to be within the tolerance of speed allowed <2 mph. The laser was triggered at a cone placed at 500 feet and the driver counted down a€?threea€?, a€?twoa€?, a€?onea€? on the radio at the cone. As with all radar and laser guns used in our testing, they were checked for accuracy according the to the Operatora€™s Manual of the particular device.
The defendant, which was a minor, claimed the Court had not issued judicial notice on the use of the laser gun in the jurisdiction. SML has also taught at the Navajo Nation Police Service, the Las Cruces Police Department, the Dona Ana Sheriffa€™s Academy, and the Acoma Pueblo Police Service in New Mexico.
One pro bono, no charge, appearance as a Court recognized expert witness is included in the matriculation of the officer from a particular police agency. They have announced their new laser gun the Kustom ProLaser 4 with Event Memory.A  This is very important!A  Operators can recall the many readings they have had using a USB port on the side of the laser gun.
Our joint efforts led us to the implementation of the project that only yesterday seemed to be almost impossible”. The reports should be submitted to local budgets holders who have been legitimately assigned for the execution of operating expenses of local budgets for preferential provision of insulin products to diabetic patients defined by the decisions on such expenditures in accordance with the legislation for the reimbursement to business entity of the amount stated in the register within 15 days upon the report receipt. In addition to a lot of interesting facts the reporter highlighted that the total volume of the medicinal products market in Ukraine amounted to 2.1 billion USD in 2015. We can also easily provide clients with extra, bespoke functionality without having to hack - it's details like this which can make a website even more appealing to users. Attention to detail was paramount to creating a brochure that truly reflected the Rolfe family and their offering. There are also other Content Delivery Networks (CDN) that we can integrate with including MaxCDN and CloudFlare. Once you are happy with the changes, you simply click 'publish' and the content management system will regenerate the cache and start displaying your changes. It's important to try and find an appropriate balance so that resources are cached for as long as possible whilst not too long so as they become out-dated.
Although the sprite file would be larger, reducing the amount of requests speeds up your site. So why was Google's update so widely broadcast while Facebook's 'redesign' seemed to slip under the carpet?
Along the same lines, it's clear that the recent change to the Facebook logo isn't an update to the identity, it is only a change to the logo. The logo, the identity, the company values, marketing material and public image come together to make up the brand. If you did this with a Coca-Cola bottle and covered the logo, you'd still know the brand, wouldn't you? With three in four Britons now shopping online (ONS, 2014), following the latest e-commerce trends is extremely important if you want to succeed and keep up with your competition. The content, images and structure of the site remain the same, but with a little 'responsive magic' the website will adapt to its device. At the same time, more and more senior talent from the traditional finance companies are moving to p2p lending and instrument companies. A few months prior, South Korea launched “Financial Investment Services and Capital Markets Act” and Portugal regulations for securities crowdfunding.
Other than strong finance skills, the UK’s track record to build global technology and Internet companies is however not world class. It would however create systems to control and monitor who and how many are welcomed into the country.
Companies however would be required to adapt to the new situation immediately while having to make investment decisions based on longer term plans. With tight resources, faced with administration hurdles and visa processes, changes to immigrant workers could impact operations.
Though the UK has strong education establishments, it often lags other European countries when it comes to computer science, mathematics and other more analytical courses.
This, as a result of an unclear trading environment where new frameworks need to be established.
Services built on fintech are different from say, traditional fund management and investment banking.
And for those willing to go through potentially complicated visa (or similar) processes, there are other options like the US and some Asian fintech hubs to compete with the UK. While these large institutions are making waves in the digital finance space, similar size opportunities are being exploited by community banks and institutions in the form of local P2P networks. Tell exactly why you need additional funding, and what you plan to do with it once you reach your campaign goal.
Most solutions are relevant for many types of finance institutions, but we also include models, how e.g. The event served as a good summary of the p2p lending and equity crowdfunding market in the UK and some other countries. Many parties also see that much more data, including historical data, is needed to get the market to a more mature phase. In addition to public posts, I wrote private messages to friends asking them to share my campaign with their friends and acquaintances and wrote several emails to people in the same fashion. Leveraging back and middle office frameworks like the Crowd Valley Digital Back Office is part of this development and in our work, we are fortunate to be able to assist in the migration to the new banking economy with the right balance of efficiency and security for all parties involved. We wanted to determine the maximum range of radar guns when shot at the same target vehicle a white Chevrolet HHR consistent with a Valid Visual Tracking History (VVTC) demanded by the Courts. Each laser gun was given 20 tries on the same target vehicle with the speed on the radar gun and speed reported by the laser gun reported.
Even though they were not transmitting during our VASCAR test, they were tested prior to being put into service. Being a minor appearing pro se, the defendant accepted conditions offered by the prosecution without a time consuming trial. Several Texas and national court decisions have stated the necessity of such a written policy if the department is to use police radar and laser systems. SML has received approval, NM12-53C, from the New Mexico Department of Public Safety, Training & Recruiting Division, in NM. SML has appeared as a Court recognized expert witness in Texas at Corpus Christi, Corsicana, Hallettsville, and El Paso, TX municipal courts consistent with Texas Rules of Evidence, Rule 702. Volodymyr Redko, Executive Director of Association of Pharmaceutical Research and Development APRaD.
There's no need for you to worry about this though, as we configure and monitor this so that you don't have to.
Combining code files reduces the amount of requests the browser will have make for your sites assets, this and minification are done automatically for us as a part of our development process.
In light of all this confusion, we've decided to take a closer look at what the language surrounding a 'brand' actually means. Neither Google nor Facebook have changed theirs during their recent Logo and Identity updates; keeping the same ethics, values and aims, they just visually enhanced the company.
It uses contactless payment technology so that you don't have to carry your bankcard everywhere you go. Because the website's front-end design and user experience change depending on the device used, the code behind the scenes is somewhat different to a non-responsive site. We welcome discussions with leaders in their fields on how to leverage synergies and best practices from existing frameworks in emerging environments.
Recommending the specials (best practice), to advising on pairing dishes with drinks, and ensuring impeccable service. As a leading conference, 7th Creative Content Production Conference is the best place in Asia to share this knowledge and help filmmakers, big or small, to make it happen.” Mika Jordman, CEO of Kapipal stated.
Cikeboom is raising money for production of teaser video to help marketing and find funding for finalizing the production. Singapore based Xtreme Production, established in 1997, has vast experience in productions of varied scales and complexities, with portfolios ranging from international television programs to global corporate communications. Add to that the fact the UK has its own very particular visa types and rules, the panorama would leave many fintech startups with additional hiring stresses. Also, be sure to include some images or video of you in action playing the sport you are trying to raise money for. At the same it also illustrated, how the discussion now focuses on a few services and countries, when much more happens behind the curtains. Now some services have really started to offer data available that help follow many platforms and see historical trends (see e.g.
It’s just a click of a button to start to start but remember that it’s not just creating a crowdfunding page. For radar the proper way to test the transmission accuracy is the use of one tuning fork for stationary only radar and two tuning forks for moving radar.
The entire class i??was divided into three teams for this exercise with the speeds determined by the use of laser guns. SML, Carl Fors, appears as a Court recognized expert witness consistent with the Ohio Rules of Evidence, Rule 702., Testimony by Experts subsection (B) The witness is qualified as an expert by specialized knowledge, skill, experience, training, or education regarding the subject matter of the testimony. Per the curriculum, students were required to establish a Valid Visual Tracking History of some 100 vehicles. The entire class was divided into three teams for this exercise with the speeds determined by the use of laser guns. If the Court wants to see a€?proofa€? that the laser gun was checked for accuracy that day, download the Event from the side of the laser gun using a printer.
In the framework of this session the participants discussed the adjustments in the personal data protection, as well as promotional activities and programs of the pharmaceutical companies.
Therefore, the National Essential Medicines List did not function properly from the very beginning of its development.
In this article, we're exploring key terminologies used to describe brands, identities and logos. Major banks have also started to embrace contactless technology; according to The Guardian, Britain's banks have already issued 54m contactless cards and usage rates are soaring, with over 1 billion Visa contactless purchases made in the last year (Visa, 2015). The menu, a collection of dishes, comprises features which in turn are made up of technology ingredients. In addition to visa complexities, UK based fintech would find it hard to operate in European markets, at least until new frameworks are established.
We found a diminishment in range of some 50% of the laser guns used inside shot through the windshield compared to outside the vehicle. The tuning forks must be held perpendicular to the antenna and most require depression of the test button to go into the fork mode. Departments that already had laser guns, were invited to use the guns they brought with them per the Operators Manual. There are no university training classes in the set up and correct operation of radar or laser guns.
We also want to see the accuracy of VASCAR compared to a€?stopwatcha€? modes of police radar and laser guns.
Hopefully, this will allow you to understand the difference, evaluate your own brand identity and how consistent it is.
So most of the time, what you see isn't a 're-brand', but more of a 're-identity' as companies update their visual components. Certainly it is the case that some investment banking and fund management services operate in offshore locations successfully. SML displayed many new laser guns from Stalker, LTI, Kustom Signals Inc., and Digital Ally to supplement what the officers had brought. The best retail figures are shown by dietary supplements, patients care items and medicinal products, the worst figures – personal care products and cosmetics.
As laser is a pulsed system, it is checked for accuracy with a known distance test and a vertical and horizontal sight alignment test. Assistance came from SML staff member Craig Pittman, president of a radar sign manufacturing company.
Such a memory system will eliminate or greatly reduce the need to fill out a Log Book on each radar or laser gun. Session speakers - Zoya Zamikhovska, Junior associate, Lidiya Sangarovskaya-Gulach, Senior associate, and Andrii Gorbatenko, Associate partner, who presented to the audience their reports on medicinal products advertising, marketing agreements in the pharmacy sector, and distribution contracts.
Our reception was almost doubled in both categories as the vehicle went away from us as it has a flat rear target and thousands of reflectors in its tail lights. This procedure greatly reduces the time consumed each day by writing in a log book that the gun was tested for accuracy. Radar guns are extremely difficult to check with tuning forks daily.A  The location of their antennas makes it difficult to check them properly without holding the tuning fork next to the glass. Andrii Gorbatenko emphasized the types of law infringements foreseen by the competition law, and paid the attendees attention to the provisions of distribution contracts, which are attracting a close attention of the Antimonopoly Committee of Ukraine, in particular the provisions regulating the reports, discounts and bonus payments. These lasera€™s were tested to DOT HS 809 811 by the IACP and NHTSA and are approved for use by law enforcement.
We can set the known distance from point A to point B in the radar or laser gun by following the directions in the Operatora€™s Manual of each device.
We first let officers guess when the test vehicle crossed the cone set at 500 feet from our location.
We used a Decatur GHD, a Kustom Raptor RP-1, a Stalker Dual, a MPH Z-25 handheld and a MPH K-15 old, analog X band. We used a Decatur GHD, a Kustom Raptor RP-1, a Stalker Dual, a MPH Z-25 handheld and a MPH K-15 old, analog X band.A  All reported speeds in excess or the range of a Valid Visual Tracking History, 1,320 feet, with the exception of the old, tired, analog K-15A  X band radar gun. We then had the test vehicle driver count down a€?threea€?, a€?twoa€?, a€?onea€? as they hit the location of the cone to see if the operators had better speed estimations. The Commonwealth of Pennsylvania and county Sheriffs in Mississippi are restricted by law from using radar or laser guns.




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