Back to Top Note A written promise to repay the mortgage plus interests, which includes the name of the borrower, issuing land and end the terms and provisions of the contract. Back to Top Notice Of Default A notification given to a borrower stating that he or she has not made the payments by their predetermined deadline, or is otherwise in default on the mortgage contract. Back to Top Option ARM A special adjustable rate mortgage loan program with a flexibility of allowing one of several possible payments on your mortgage every month. This allows you to better manage your monthly cash flow.
I called it Ronald and his willy-waving exercise. What a poor return on investment for all of this then! However, this is not a feature unique to Muller, and is fairly representative of how most, if not all, of those in the GB liquid business are treading water.
Are any GB liquid dairies attractive? So, how long with Theo Muller take the pain?
Will he weather the storm in anticipation of better days to come or quit the UK and sell out? I know what I would do, and I would ditch the willy-waving in a bid to be the biggest just for the sake of it.
Now to farm assurance again. Arla has its basic Arlagarden base dairy standard, which already sits above Red Tractor, and which all members have to achieve. He referred to it as the Arla equivalent of ethnic cleansing.
Clearly it is taking action on sub-standard producers though. Now step forward Arla UK, where even higher farm standards are rewarded by retailers like Aldi, who pay a premium. Some farmers will wince, thinking Arla will simply drop Arlagarden and universally insist on standard achievement by all members.
Having thought about UK it sounds like a game changer. To date most higher standards have been set by retailers like Tesco, whereas UK is a move for farmers and processors to take the lead in stepping up to protect retailer brands in a very cost efficient transparent way.
Maybe even those retailers with their own standards will view this concept favourably and seize an opportunity to cut cost. First Milk are one of several processors calling for assurance assessors to spend more time on the farm inspecting, and less time analysing records and paper trails.
They are also calling for higher risk farms to have more frequent in depth and unannounced inspections and conversely for higher performing farms to be recognised with less frequent audits.
Other milk buyers are calling for Red Tractor to make unannounced visits to antibiotic failure farms, but -guess what! Many are hardcore vegans think there should be no animal use at all, and are convincing our consumers that animal agriculture is cruel and illegal!
There is zero consideration for the 1 billion people globally who produce, process and deliver milk. Remember the dairy industry has to up its quality assurance and promotional efforts. Some of you will feel Potter and indeed the world is having a go at you, or that the EU is the source of all your problems.
Most farmers who have contacted me are pushing for low standard operators, especially those who have a disregard for the negative image they portray, to lose their assured status, with many calling for an anonymous hotline via email, text or phone enabling concerned farmers and others to check the assured status of a farm online and report concerns to the relevant authority who immediately take action and investigate.Service businesses generally have no cost of goods sold.
Gross Profit. Also called gross margin, this figure is the difference between the cost of goods sold and net sales (Net Sales - Cost of Goods Sold = Gross Profit). observation that high turnover could be either good or bad reinforces the point that ratio computation is the starting.
The Inter-American Development Bank began supporting income generating nonprofit organizations and cooperatives in through its Small Projects Fund long before there was a field dubbed social enterprises. In , the Social Entrepreneurship Program (SEP), which replaced the Small Projects Fund, was created to promote social equity and the economic development of poor and marginal groups.
COST-VOLUME-PROFIT (CVP) ANALYSIS Accountancy Review Workshop Sindhu Bala Review Problem: CVP Relationships Voltar Company manufactures and sells a specialized cordless telephone for high electromagnetic radiation environments.
The Annual Percentage Rate, which must be reported by lenders under Truth in Lending regulations. It is a measure of credit cost to the borrower that takes account of the interest rate, points, and flat dollar charges by the lender.
12 MTA. 12 Months’ Treasury Average – It is an interest rate index which is used by some ARMs for benchmarking. It is the 12 month average of the monthly average yields of US treasury securities adjusted to a constant maturity period of one year. Start studying Acc Chapter 4.
Learn vocabulary, terms, and more with flashcards, games, and other study tools. multiply the number of units sold in excess of the breakeven point by the unit contribution margin. Profit equation. sales - vc - fc.
- shows how the contribution margin will be affected by a change in total sales.