A música descreve as "garotas da Califórnia" como inesquecíveis, com pele bronzeada e corpos bonitos, que curtem festas na praia sob o sol quente da Califórnia, nadando e se divertindo. A letra exalta a beleza e estilo de vida descontraído da costa oeste dos Estados Unidos e convida os ouvintes a também aproveitarem as delícias da "costa dourada".
This summary provides the essential information from the document in 3 sentences:
The document discusses an incoming junior at Bishop Hartley High School named Casey King who will be competing in the World Deaf Football Championship while representing Team USA. It also profiles actress Claire Danes and her decision to remain living in Manhattan near where she grew up, rather than moving to Brooklyn, after welcoming a new baby with her husband. Finally, it addresses an Ohio governor's dilemma about whether to endorse Donald Trump for president given Trump's comments that implied a judge's Mexican heritage should disqualify him from a case.
For IBSECAD, the challenge was to find a better way of collaborating with clients to review and agree 3D models of construction projects - and that's where SMART Technologies came in. To support the continued growth of the business and to ensure it remains at the technological forefront of its industry, IBSECAD invested in a SMART Board interactive whiteboard. This gave them a faster, more effective and more collaborative process for working together with clients to refine, amend and agree construction project models.
Case Solution for MW Petroleum Corp. (B)casesolutions
This document advertises the availability of a case solution and analysis from Harvard Business School for a low price. It provides contact information for ordering the case solution via email. It also notes that case solutions from other publishers are available upon request.
Este documento compara tres servicios de almacenamiento en la nube: Dropbox, Box y 4Shared. Dropbox ofrece 2GB de almacenamiento gratuito que se puede ampliar a 16GB, sincroniza solo los archivos modificados y permite trabajar sin conexión. Box ofrece 5GB gratis ampliables a 15GB, permite compartir archivos fácilmente y acceder a ellos desde cualquier dispositivo. 4Shared ofrece 15GB gratis con un límite de carga de 2GB por archivo.
El documento es un examen de habilidades matemáticas para el grupo 301 del tercer período en la Escuela Preparatoria "Lic. Benito Juárez". El examen incluye instrucciones para determinar el valor numérico de expresiones algebraicas sin usar calculadora y espacios para que el estudiante escriba las respuestas.
This document outlines a lesson plan to teach 1st grade students the months of the year. The class has 17 students, most of whom are white with some African American and Hispanic students. Seven students have ADHD. The objective is for students to recite and order the months with 100% accuracy by the end of the month. The teacher will use hands-on activities, songs, puzzles and games to engage students. YouTube, PowerPoint, a web quest and blog will supplement instruction. Students will create months, play trivia games and work together to order months. Participation in games and groups will evaluate understanding. Progress will be evaluated through recitation and making a calendar to assess understanding and determine if revisions are needed.
A música descreve as "garotas da Califórnia" como inesquecíveis, com pele bronzeada e corpos bonitos, que curtem festas na praia sob o sol quente da Califórnia, nadando e se divertindo. A letra exalta a beleza e estilo de vida descontraído da costa oeste dos Estados Unidos e convida os ouvintes a também aproveitarem as delícias da "costa dourada".
This summary provides the essential information from the document in 3 sentences:
The document discusses an incoming junior at Bishop Hartley High School named Casey King who will be competing in the World Deaf Football Championship while representing Team USA. It also profiles actress Claire Danes and her decision to remain living in Manhattan near where she grew up, rather than moving to Brooklyn, after welcoming a new baby with her husband. Finally, it addresses an Ohio governor's dilemma about whether to endorse Donald Trump for president given Trump's comments that implied a judge's Mexican heritage should disqualify him from a case.
For IBSECAD, the challenge was to find a better way of collaborating with clients to review and agree 3D models of construction projects - and that's where SMART Technologies came in. To support the continued growth of the business and to ensure it remains at the technological forefront of its industry, IBSECAD invested in a SMART Board interactive whiteboard. This gave them a faster, more effective and more collaborative process for working together with clients to refine, amend and agree construction project models.
Case Solution for MW Petroleum Corp. (B)casesolutions
This document advertises the availability of a case solution and analysis from Harvard Business School for a low price. It provides contact information for ordering the case solution via email. It also notes that case solutions from other publishers are available upon request.
Este documento compara tres servicios de almacenamiento en la nube: Dropbox, Box y 4Shared. Dropbox ofrece 2GB de almacenamiento gratuito que se puede ampliar a 16GB, sincroniza solo los archivos modificados y permite trabajar sin conexión. Box ofrece 5GB gratis ampliables a 15GB, permite compartir archivos fácilmente y acceder a ellos desde cualquier dispositivo. 4Shared ofrece 15GB gratis con un límite de carga de 2GB por archivo.
El documento es un examen de habilidades matemáticas para el grupo 301 del tercer período en la Escuela Preparatoria "Lic. Benito Juárez". El examen incluye instrucciones para determinar el valor numérico de expresiones algebraicas sin usar calculadora y espacios para que el estudiante escriba las respuestas.
This document outlines a lesson plan to teach 1st grade students the months of the year. The class has 17 students, most of whom are white with some African American and Hispanic students. Seven students have ADHD. The objective is for students to recite and order the months with 100% accuracy by the end of the month. The teacher will use hands-on activities, songs, puzzles and games to engage students. YouTube, PowerPoint, a web quest and blog will supplement instruction. Students will create months, play trivia games and work together to order months. Participation in games and groups will evaluate understanding. Progress will be evaluated through recitation and making a calendar to assess understanding and determine if revisions are needed.
Cal Bank Limited, one of the largest banks in Ghana, is partnering with ISG Project Financing to fund startup projects in Ghana. Their objectives are to raise funds for projects by having Cal Bank's private clients invest equity of up to 20% and ISG providing the remaining financing through private equity of 20% and debt financing of 60% or more. ISG is seeking projects worth at least $10 million that have an IRR of over 30% and are led by experienced management teams in sectors like real estate, oil/gas, agriculture, and more. Promoters should provide details about their projects, management, financial projections, and contact information to apply for financing.
ISG Capital Management is an investment management company established in 2012 in Accra, Ghana that specializes in customized project financing in Africa. It finances business initiatives and government projects in sectors such as mining, agriculture, oil and gas, and infrastructure. ISG works with financial institutions and private investors worldwide to provide equity and debt financing for projects with expected returns of at least 30%. It has offices in West Africa and Europe to initiate and manage projects, and conduct business with international financiers and promoters in Africa.
ISG offers a project refinancing service in Africa to replace existing high-interest loans with lower interest rate loans from ISG. Their refinancing provides entrepreneurs capital to pay off bank loans at interest rates as high as 35% and instead pay ISG interest rates between 5-7% for individual projects or 3-4% for government projects. An example is given of an entrepreneur who refinanced a real estate loan in Ghana from a 35% interest rate with a local bank to a 5% interest rate on capital from ISG.
The document describes ISG, an independent entity that develops creative solutions to fund projects in Africa by bringing project promoters into contact with financiers and investors worldwide. ISG helps address the issue that while projects often meet investment criteria, promoters frequently cannot meet the 20% equity stake requirement. ISG partners with financial institutions to identify wealthy individuals willing to invest in projects and help meet the equity requirement, guided by agreements between ISG and the institutions. The goal is to increase investment in Africa by its residents and others to empower the continent.
1) The document discusses expanding an African small business by hiring new staff, attracting new customers, and gaining access to investors and financing.
2) Expanding can allow relocating to access suppliers, incentives, and optimize operations. Processes become more efficient and costs are reduced with growth.
3) Business owners should review profitability from expansion periodically and have a clear reason, such as entering new profitable markets. The company discussed provides guidance and financing sources to help businesses expand.
IGO Holding SA is an international company based in Togo that intends to build a Shea butter production plant in Kara, Togo. The plant will employ over 20,000 women to harvest Shea nuts, which will then be processed into Shea butter using specialized machines. The plant aims to produce 18,000 metric tons of Shea butter annually to export to markets in Europe, North and South America, and Asia, mainly for use in the chocolate and cosmetic industries. The plant represents an investment opportunity that will create many jobs for women and improve livelihoods in West Africa.
IGO Production Togo Sarl is seeking €62.8 million in funding for a shea butter production plant in Togo. The plant will produce 18,000 metric tons of shea butter per year initially and expand to 50,000 metric tons. Global demand for shea butter is increasing significantly due to growth in the chocolate, cosmetics and pharmaceutical industries. The project is expected to have a 134% internal rate of return and create over 160,000 jobs. IGO has experience in the shea industry and connections to buyers. Funding will come from private investors, equity funds, and debt financing.
IGO plans to establish a vertically integrated shea butter industry in West Africa to benefit local communities. It will build processing plants and establish cooperatives to collect shea nuts from women in villages. This will provide fair prices and employment. Over time, IGO expects to work with 165,000 women collectors and create hundreds of additional jobs in processing. Profits will fund community development projects. Management training programs will prepare local staff to lead the growing operations.
IGO Holding SA, an international company based in Togo, is seeking private investors to fund the construction of a shea butter production plant in West Africa. Togo's economy is growing at around 6% annually and the government is working to improve the business environment. Togo has significant mineral resources and plans to leverage industries like mining, ports, and transportation to engage with global supply chains. IGO Holding was founded in 2002 and intends for the shea butter plant to create many jobs and opportunities for women and families in the region.
Shea butter is an African product extracted from shea tree nuts that grows widely in West Africa. It has various uses in pharmaceutical, cosmetic, and food industries. Demand for shea butter from West Africa has increased over 1200% in the last decade. This growing market represents a major opportunity for investment to develop West Africa's shea butter industry infrastructure and create jobs. IGO Holding, a Togo-based company, has a business plan to build modern shea butter processing plants in West Africa that could generate over 130% return on investment while also providing jobs and social development programs.
The document discusses opportunities for investing in real estate markets across Africa. It notes that Africa's population and economies are growing rapidly, with 13 of the 20 fastest growing economies expected to be in Africa over the next 5 years. Specific real estate investment opportunities mentioned include Ghana, where house prices are expected to rise 50% in 2015 and retail rents have already risen 50% since 2012; Nigeria, currently the largest economy in Africa; and Kenya, where property prices have increased three-fold over the past 14 years. The document advocates that now is the time for investors to acquire assets in these markets while prices remain reasonable.
Cal Bank Limited, one of the largest banks in Ghana, is partnering with ISG Project Financing to fund startup projects in Ghana. Their objectives are to raise funds for projects by having Cal Bank's private clients invest equity of up to 20% and ISG providing the remaining financing through private equity of 20% and debt financing of 60% or more. ISG is seeking projects worth at least $10 million that have an IRR of over 30% and are led by experienced management teams in sectors like real estate, oil/gas, agriculture, and more. Promoters should provide details about their projects, management, financial projections, and contact information to apply for financing.
ISG Capital Management is an investment management company established in 2012 in Accra, Ghana that specializes in customized project financing in Africa. It finances business initiatives and government projects in sectors such as mining, agriculture, oil and gas, and infrastructure. ISG works with financial institutions and private investors worldwide to provide equity and debt financing for projects with expected returns of at least 30%. It has offices in West Africa and Europe to initiate and manage projects, and conduct business with international financiers and promoters in Africa.
ISG offers a project refinancing service in Africa to replace existing high-interest loans with lower interest rate loans from ISG. Their refinancing provides entrepreneurs capital to pay off bank loans at interest rates as high as 35% and instead pay ISG interest rates between 5-7% for individual projects or 3-4% for government projects. An example is given of an entrepreneur who refinanced a real estate loan in Ghana from a 35% interest rate with a local bank to a 5% interest rate on capital from ISG.
The document describes ISG, an independent entity that develops creative solutions to fund projects in Africa by bringing project promoters into contact with financiers and investors worldwide. ISG helps address the issue that while projects often meet investment criteria, promoters frequently cannot meet the 20% equity stake requirement. ISG partners with financial institutions to identify wealthy individuals willing to invest in projects and help meet the equity requirement, guided by agreements between ISG and the institutions. The goal is to increase investment in Africa by its residents and others to empower the continent.
1) The document discusses expanding an African small business by hiring new staff, attracting new customers, and gaining access to investors and financing.
2) Expanding can allow relocating to access suppliers, incentives, and optimize operations. Processes become more efficient and costs are reduced with growth.
3) Business owners should review profitability from expansion periodically and have a clear reason, such as entering new profitable markets. The company discussed provides guidance and financing sources to help businesses expand.
IGO Holding SA is an international company based in Togo that intends to build a Shea butter production plant in Kara, Togo. The plant will employ over 20,000 women to harvest Shea nuts, which will then be processed into Shea butter using specialized machines. The plant aims to produce 18,000 metric tons of Shea butter annually to export to markets in Europe, North and South America, and Asia, mainly for use in the chocolate and cosmetic industries. The plant represents an investment opportunity that will create many jobs for women and improve livelihoods in West Africa.
IGO Production Togo Sarl is seeking €62.8 million in funding for a shea butter production plant in Togo. The plant will produce 18,000 metric tons of shea butter per year initially and expand to 50,000 metric tons. Global demand for shea butter is increasing significantly due to growth in the chocolate, cosmetics and pharmaceutical industries. The project is expected to have a 134% internal rate of return and create over 160,000 jobs. IGO has experience in the shea industry and connections to buyers. Funding will come from private investors, equity funds, and debt financing.
IGO plans to establish a vertically integrated shea butter industry in West Africa to benefit local communities. It will build processing plants and establish cooperatives to collect shea nuts from women in villages. This will provide fair prices and employment. Over time, IGO expects to work with 165,000 women collectors and create hundreds of additional jobs in processing. Profits will fund community development projects. Management training programs will prepare local staff to lead the growing operations.
IGO Holding SA, an international company based in Togo, is seeking private investors to fund the construction of a shea butter production plant in West Africa. Togo's economy is growing at around 6% annually and the government is working to improve the business environment. Togo has significant mineral resources and plans to leverage industries like mining, ports, and transportation to engage with global supply chains. IGO Holding was founded in 2002 and intends for the shea butter plant to create many jobs and opportunities for women and families in the region.
Shea butter is an African product extracted from shea tree nuts that grows widely in West Africa. It has various uses in pharmaceutical, cosmetic, and food industries. Demand for shea butter from West Africa has increased over 1200% in the last decade. This growing market represents a major opportunity for investment to develop West Africa's shea butter industry infrastructure and create jobs. IGO Holding, a Togo-based company, has a business plan to build modern shea butter processing plants in West Africa that could generate over 130% return on investment while also providing jobs and social development programs.
The document discusses opportunities for investing in real estate markets across Africa. It notes that Africa's population and economies are growing rapidly, with 13 of the 20 fastest growing economies expected to be in Africa over the next 5 years. Specific real estate investment opportunities mentioned include Ghana, where house prices are expected to rise 50% in 2015 and retail rents have already risen 50% since 2012; Nigeria, currently the largest economy in Africa; and Kenya, where property prices have increased three-fold over the past 14 years. The document advocates that now is the time for investors to acquire assets in these markets while prices remain reasonable.
1. Return on Investment in Africa’s infrastructure
will far outweigh costs. Infrastructure develop-
ment is a top priority for African administrations.
Access to power plays a key role in this program.
Roughly 600 million people in Africa, nearly twice
the population of the United States, are living
without access to electricity according to a 2011
study. They represented 43% of the 1.4 billion
people worldwide who lacked regular access to
electricity.
The majority of these people are concentrated in Sub-
Saharan Africa, and not necessarily in remote villa-
ges. For example, Kenya’s Electrification Authority
reports that while 73% of Kenyans live within one kilo-
meter (0.6 miles) of a transformer, only 18% are con-
nected to the grid. Thirty seven countries in sub-
Saharan Africa have a national electrification rate of
below 50 percent.
A 2010 World Bank report estimated that poor infra-
structure like power shortage curbs African economic
growth by 2 percent per year and business productivi-
ty by 40 percent. One study estimates that the broa-
der returns to infrastructure investment can reach 50
percent when accounting for GDP growth, while the
World Economic Forum found that each dollar spent
on infrastructure returns anywhere from 5 percent to
25 percent.
A second factor is the rapidly falling cost of renewable
energy. Africa has some of the world’s best potential
sites for wind, solar and hydropower. Investors are
proving readier to test the market by putting up a few
windmills than by committing to big power stations.
Wind farms and solar parks can also provide decen-
tralised or “off-grid” power directly to customers, re-
ducing the load on congested transmission lines. Giv-
en the high cost of power from diesel generators in
Africa, renewable energy can be an attractive alterna-
tive.
Many African countries receive on average a very
high amount of days per year with bright sunlight.
Most of the sunniest places in the world are on the
African continent, due to the general low cloud cover
in the sky. This gives solar power the potential to
bring energy to virtually any location in Africa without
the need for expensive large scale grid level infra-
structural developments. We can actually consider,
the African continent has on average more than
3,000 sunny hours on year-based average. The dis-
tribution of solar resources across Africa is fairly uni-
form, with more than 85% of the continent's land-
scape receiving at least 2,000 kWh/(m² year).
Declining solar equipment costs are expected to sig-
nificantly increase solar installations in Africa with an
industry projection forecasting that the continent's
annual PV market will expand to 2.2 GW by 2018.
2. Ghana’s power deficit represents enormous oppor-
tunities for foreign direct investment as well as pub-
lic-private partnerships in the energy sector, Minis-
ter of Trade and Industry, Ekwow Spio-Garbrah,
has declared to some 600 top global business
leaders attending the Africa CEO Forum in Gene-
va, Switzerland.
According to Dr. Spio-Garbrah, the deficit of some
500 megawatts of power and the projections for
additional power demand in Ghana has led to more
than 20 proposals being submitted by a wide range
of companies from the US, Germany, Denmark,
India, China, South Africa, Turkey, Brazil and
others for thousands of megawatts of additional ge-
neration.
These projects are from all sources of energy, in-
cluding gas, coal, wind, solar, biomass, waste-to-
energy, mini-hydro and even sea wave. On ac-
count of these developments, Dr. Spio-Garbrah
was convinced that the medium term prospects for
Ghana’s industrialisation were good.
Kenya has stepped up its efforts to transform
40,000 acres of land into a wind farm, in a bid to
meet growing demand for electricity. The 300
MW Lake Turkana Wind Power Project, which is
being developed in the country's North-East, hopes
to produce 20% of the country's current installed
electricity generating capacity when it comes online
in 2016.The $694 million project achieved full finan-
cial close in December 2014, making it the largest
private investment in Kenyan history. The project is
one part of the country's ambitious project to add
5,000 MW of power onto the grid in the next three
years.
Nigeria’s determination to generate an additional
500MW from solar PV by this year and create a ba-
se for increasing the capacity to 4,000MW by
2025, appear to be on course after the recent sig-
ning of a major renewable energy development
deal with a global clean energy development joint
venture.
The agreement between the government of Nigeria
and SkyPower FAS Energy, a joint venture bet-
ween SkyPower Global and FAS Energy in
May, for the development of 3000MW of utility-
scale solar PV projects in the West Africa nation in
the next five years, has boosted the country’s ef-
forts to generate 18% of its electricity from renewa-
ble sources by 2030.
The $5 billion solar PV investment by SkyPower
FAS Energy, to be developed in phases, is part of
Nigeria’s strategy of pursuing an integrated rene-
wable energy development programme that would
enable it meet an anticipated annual electricity de-
mand of between 6390MW and 10,800MW by
2020 up from the 3760MW.
Meanwhile in South Africa Renewable Energy Invest-
ments South Africa (RF) Pty Ltd (REISA) commenced
commercial operation of the Kathu Solar PV facility –
one of the largest photovoltaic projects in South Africa
– on 11 November 2014. The project is expected to de-
liver 179GWh of clean energy into the grid annually,
equivalent to the electricity requirements of 68,000 low
income households in South Africa.
REISA CEO, Richard Gordon, says “The shareholders
in REISA recognise that effective infrastructure is vital
for the economic growth and development of the Afri-
can continent. This project has over 340,000 installed
solar photovoltaic modules with a combined generating
capacity of 75MWac and is producing energy under a
20-year PPA signed with the Single Buyer Office, deli-
vering clean renewable energy to the Northern Cape
and South Africa with a low environmental impact.”.
The project brought together an investment consortium
consisting of African Infrastructure Investment Fund 2
(AIIF2), the Infrastructural Development and Environ-
mental Assets (IDEAS) Managed Fund, BuiltAfrica
Kathu 75 Solar, Building Energy Development Africa
and the Kathu Solar Community Trust.
The IDEAS Managed Fund is managed by Old Mutual
Alternative Investments, a boutique of Old Mutual In-
vestment Group. The fund is the most successful inves-
tor in South Africa’s renewable energy program with 14
investments, and has delivered a return of 10% above
inflation over 15 years.
And with the current changes in lowering costs and all
the more possibilities returns may rise to 25% or more.