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One key issue that is attracting a significant amount of scrutiny is the question of what a "hard" or "no deal" Brexit could mean for cross-border insolvencies and restructurings, in particular, the English scheme of arrangement. This overview and related podcast aim to help corporates, lenders and investors understand where the Brexit negotiations may be heading with regards to cross-border insolvencies and restructurings, where the impact of a "hard" Brexit may be felt most (including its impact on the popularity of the English scheme of arrangement) and what, if anything, you should be doing now. In this bulletin we examine the following four areas:
- Brexit negotiations where might we be heading for cross-border insolvencies and restructurings? - The English scheme of arrangement will it lose popularity? - Insolvency proceedings the biggest impact - Key takeaways
May 2019 Update
There have been a few updates since the original publication of the podcast and this accompanying bulletin in October 2018. We highlight the key updates from a cross-border insolvency and restructuring perspective on the following page.
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May 2019 Update
Key updates since the original publication of the podcast and this accompanying bulletin in October 2018 include the following. The form of the UK's exit from the EU is still uncertain and "exit day" has been delayed until 31 October 2019 or
such earlier date as might be agreed between the EU and the UK. The UK government has passed two statutory instruments particularly relevant to cross border restructuring and
insolvency, the key provisions of which will only come into force in the event of a "no-deal" Brexit. These are: - The Insolvency (Amendment) (EU Exit) Regulations 2019 which largely repeal the European Insolvency
Regulation 2015 and also amend the Insolvency Act 1986; and - The Credit Institutions and Insurance Undertakings Reorganisation and Winding Up (Amendment)
(EU Exit) Regulations 2019 which amend the Credit Institutions (Reorganisation and Winding Up) Regulations 2004 and the Insurers (Reorganisation and Winding Up) Regulations 2004. At a high level, the general approach of these "no-deal" statutory instruments is to provide for a general alignment of the treatment of EU/EEA states with that of non-EU/EEA states. Key points to note in the event of a no-deal Brexit include the following: - "In-flight" proceedings (ie those that are on-going on the day the UK exits the EU) the statutory instruments provide that the existing (pre-Brexit) regime will apply to such proceedings subject to some (very) important safeguards which would allow the English court to intervene in certain circumstances. - New proceedings commencing after the UK exits the EU: - Jurisdiction - current EU-law driven restrictions on jurisdiction to commence English proceedings
(eg COMI/establishment and "home" Member State criteria) will be lifted and we will revert to the tests set out in the (amended) Insolvency Act 1986 (for ordinary companies) and the Banking Act 2009 (for third country institutions/UK branches) one of the consequences being that, at least on paper, it would be much easier to commence an administration in relation to a company incorporated in the EEA or for such company to propose a CVA; - Recognition there will be no automatic recognition of EEA resolution actions or EU insolvency proceedings in the UK recognition will be based on other (more limited) sources of recognition (eg the CBIRs or the common law and, where applicable, the Banking Act 2009); and - Applicable law all of the choice of law exceptions under the European Insolvency Regulation 2015 are repealed with the consequence that principles of private international law will determine issues such as the applicable law in the context of enforcement of security and claw-back actions. The final text of the new Model Law on the Recognition and Enforcement of Insolvency-Related Judgments has been approved by UNCITRAL and is available for adoption by states. It is not clear whether (or when) the UK will adopt the new Model Law as the potential impact on the rule in Gibbs will be an important point in the Brexit negotiations. The UK has deposited its instrument of accession to the Hague Convention on Choice of Court Agreements 2005, originally intending to accede as a contracting state on 1 April 2019 however such succession has been suspended until 1 November 2019 (currently the day after the UK is due to leave the EU).
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Brexit negotiations where might we be heading for cross-border insolvencies and restructurings?
Will Brexit make any difference to the way in which European cross-border restructurings and insolvencies are conducted?
The potential impact on European cross-border insolvencies should not be underestimated, even though the additional hurdles discussed below are not insurmountable. Very few cases these days are "domestic" in nature. Most, if not all, of those that come across our desks have a cross-border element there may be multiple borrowers or guarantors in different jurisdictions; assets can be located across the world; and creditors will also be multinational. By way of an example, a recent case the firm has worked on involved 23 borrowers filing for insolvency proceedings in 16 different jurisdictions, many in Europe. That case, like many others, has demonstrated the importance of having a clear framework for conducting cross-border insolvencies. Since 2000, the European Insolvency Regulation, recast in 20151, has provided that framework for European cross-border cases. It is arguably the most comprehensive piece of European legislation in the field of insolvency for the past 18 years. It has provided consistent and predictable answers to a number of tricky questions that arise in European cross-border situations including: Which member state can open insolvency proceedings? Which law applies in those proceedings? And what is the effect of the opening of those proceedings in other European member states (including on creditors' rights such as security enforcement and contractual set-off or netting)? This consistency and predictability has made things simpler and arguably quicker and cheaper than they might otherwise have been, particularly in today's "global" world. As a consequence, if the European Insolvency Regulation no longer applies post-Brexit, this could have a considerable impact on European cross-border insolvencies involving the UK. However, European cross-border cases were successfully conducted before 2000 and, today, there is no equivalent statutory framework for cases involving Asian or US borrowers and those deals are successfully restructured without too many issues. In summary, there may be more hurdles to jump in European cross-border cases, but we doubt any will be insurmountable. The real impact will depend on whether we see a "hard" or "soft" Brexit.
If the impact depends upon the provisions that are put in place as a result of Brexit negotiations, have there been any indications as to the UK Government's thinking in this regard?
To a certain extent, yes. The two main pieces of "Brexit legislation" being the European Union (Withdrawal) Act 2018 and the draft EU Withdrawal Agreement do not explicitly refer to the European Insolvency Regulation, but they do give us an idea of where things might be heading in this area. The starting point is that the European Union (Withdrawal) Act 2018 "on-shores" EU legislation such as the European Insolvency Regulation as it stands at the point of exit and makes it part of UK domestic law, subject to an important power to correct "deficiencies". One such "deficiency" is any European legislation that relies on reciprocity; the European Insolvency Regulation falls squarely in this bucket and so there is the power, under the Act, to amend or "switch off" the European Insolvency Regulation.
1 The EU Regulation on Insolvency Proceedings 2015 (Regulation (EU) 2015/848) superseding the EC Regulation on Insolvency Proceedings 2000 (Regulation (EC) 1346/2000)
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We now know, following a recent Technical Notice issued by the UK Government in mid-September 20182, that in the event of a "no deal" Brexit:
- Parliament will exercise its powers to correct deficiencies such that the European Insolvency Regulation and the Judgments Regulation3 will not become part of UK domestic law;
- the Rome I4 rules on the law applicable in contractual matters will be retained by the UK; and - the UK will ratify the Hague Convention on Choice of Court Agreements 2005 in its own right (it is currently a
"contracting state" by virtue of its membership of the EU). In terms of what a "soft" Brexit might look like, the draft EU Withdrawal Agreement issued earlier this year provides for a transitional period where, if there is a deal and the agreement is finalised and approved by the EU and the UK, the European Insolvency Regulation may continue to apply as it does today to UK insolvency proceedings until the end of 2020 (the same would be true for the Judgments Regulation). This means it would be "business as usual" for European cross-border insolvencies and restructurings until the end of 2020. The diagram below provides a snapshot of the potential impact of Brexit on key legislation, currently applicable in the UK and used or relied upon in cross-border insolvency and restructuring in particular, in the context of the English scheme of arrangement. Overall, in our view, Brexit, particularly a "hard" Brexit, is going to have a greater impact on European cross-border insolvency cases than it will on the use of the English scheme of arrangement.
2 Available at: https://www.gov.uk/government/publications/handling-civil-legal-cases-that-involve-eu-countries-if-theres-no-brexit-deal/handling-civillegal-cases-that-involve-eu-countries-if-theres-no-brexit-deal
3 Regulation (EU) No.1215/2012 of the European Parliament and of the Council of 12 December 2012 on jurisdiction and the recognition and enforcement of judgments in civil and commercial matters (recast)
4 Regulation (EC) No. 593/2008 of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations (Rome I)
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Scheme of arrangement will it lose popularity?
What is a scheme of arrangement?
The scheme of arrangement is a procedure under the Companies Act 2006. It can be used to restructure solvent companies and distressed companies, and both English and foreign companies. Many say it is one of our greatest exports. For a number of years now, the scheme has been used to restructure the debts of foreign companies. Some of the reasons foreign companies are looking to the English scheme of arrangement as their restructuring tool of choice include the following:
- the speed of access to the English courts the scheme process involves two court hearings but it is possible for the entire process, from launch of documentation to final sanction hearing, to be completed in a matter of weeks;
- the judges sitting in the English courts are incredibly commercial and familiar with the legal issues that arise in the context of a scheme in fact, many judges were once barristers advancing the arguments on technical scheme issues (such as jurisdiction and recognition);
- the scheme is incredibly flexible and, the statutory provisions relating to the scheme are fairly short and are not prescriptive of content or structure therefore the scheme can be used to solve a full range of issues, from a short standstill (the so-called "scheme-lite") to amend and extend restructurings to full debt-to-equity conversions; and
- perhaps most importantly, it is a tried and tested procedure in a multitude of contexts this leads to a certain amount of predictability for all stakeholders involved in the restructuring.
If a company wishes to use the scheme of arrangement, it must satisfy the English court that the company has a "sufficient connection" to the UK. This is easy in relation to English companies and for foreign companies it is not too difficult to establish such a connection (for example, it is sufficient if such foreign company is party to English law governed finance documents). In addition to this sufficient connection test, the English court also needs to be satisfied that the scheme will be effective in relevant overseas jurisdictions. It would certainly have been easier to satisfy the English court of this requirement if the UK had listed the scheme of arrangement in the annex to the European Insolvency Regulation. However, we did not do so, and in our view this was the right thing to do in order to retain the scheme's flexibility (in particular, retaining the "sufficient connection" test for jurisdiction and not replacing it with a requirement that the scheme company have its centre of main interests (or CoMI) in the UK). Currently, there are various ways of satisfying the English court that the scheme will be effective in relevant overseas jurisdictions:
- first, if the English court order sanctioning the scheme of arrangement is considered to be a "judgment" for the purposes of the Judgments Regulation, that order will be automatically recognised in other EU Member States without any further formalities clearly this route could be affected by a "hard" Brexit, but there is a possibility that the Hague Convention on Choice of Court Agreements might fill the gap in certain situations;
- second, if the scheme is considered to be part of contract law, the principles under Rome I (which, broadly speaking, provide that an English law governed contract can only be varied or discharged by an English law process) will provide a route to recognition in other Member States this route will not be affected by Brexit because the principles under Rome I are not confined to Member States and do not rely on reciprocity; and
- third, principles of international law often provide another route to recognition of the scheme in overseas jurisdictions.
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What impact might Brexit have on the recognition of the scheme in other Member States?
We have been discussing this issue with a number of our European colleagues and, generally speaking, there are two camps. If the scheme of arrangement is seen as part of contract law, the principles in Rome I will likely apply and Brexit will have no impact on the recognition of the scheme via this route. However, this is not how some jurisdictions view the English scheme of arrangement, and in these other jurisdictions the basis for recognition of the scheme is much more uncertain, particularly if the company proposing the scheme is actually insolvent. The table below provides a high-level summary of the views of our colleagues in certain Member States to two questions, each assuming the scheme of arrangement was being used to restructure English law governed finance documents:
- if the scheme company has its CoMI in England, would your jurisdiction recognise the effects of the scheme; and - would your answer be different if the CoMI of the scheme company is in your jurisdiction, not England? As you can see, the Netherlands, Spain and Belgium take a similar approach to recognition of the scheme, relying on Rome I or principles of private international law, whereas the route to recognition may not be as clear in Germany and Poland.
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Insolvency proceedings the biggest impact
Is the European Insolvency Regulation the only source for recognising foreign insolvency proceedings in the UK?
No, it is not the only means of recognition. We have various ways in which a foreign insolvency proceeding could be recognised in the UK. These include:
- common law principles of insolvency assistance;
- the Cross-border Insolvency Regulations 2006 (which is how the UK implemented the UNCITRAL Model Law on Cross-border Insolvency) (the CBIRs); and
- section 426 of the Insolvency Act 1986 (which only applies to certain designated countries).
However, these other sources of recognition are much more limited, in either their sphere of application and/or the scope of relief available, than the European Insolvency Regulation. Some of the key benefits of the European Insolvency Regulation were mentioned above. Another important practical difference is that there is no automatic recognition under these other sources in most cases a court application is required, and this can impact structuring, timing and costs in cross-border cases.
One of the key differences between the recognition afforded under the European Insolvency Regulation and the alternative sources of recognition mentioned above is in the recognition of foreign insolvency-related judgments (for example, an order approving a composition of debt or a claw back order). Recognition of such judgments is not possible under either the automatic relief (which is, effectively, the same stay on proceedings which is available in an English liquidation) or the discretionary relief (which must be procedural in nature) available under the CBIRs. Furthermore, the Supreme Court in Rubin5 held that the English court cannot recognise or give effect to a foreign insolvency-related judgment under common law principles unless, among other things, the party against whom the order was made was present in the foreign jurisdiction where the judgment was obtained or submitted to that foreign court. Issues of presence and submission can be incredibly complex, particularly when the rules surrounding such concepts are not consistent across different jurisdictions.
It should be noted that UNCITRAL has recently approved the text of a new Model Law on the Recognition and Enforcement of Insolvency-related Judgments (the New Model Law)6 that could provide a statutory means for recognition of foreign insolvency-related judgments in the UK, assuming the UK chooses to adopt the text and implement it into domestic law. The New Model Law is intended to complement the existing UNCITRAL Model Law on Cross-border Insolvency, although it is a standalone law and can be adopted by states even if they have not adopted the existing Model Law. There are some questions on the scope of the New Model Law and whether its terms are sufficiently clear to provide a different result to that under the application of the common law rules following Rubin. If Great Britain does adopt the New Model Law, another question will be whether it can be used to give effect to a foreign law plan of reorganisation in circumstances where such recognition would currently be contrary to the common law rule in Gibbs7. This nineteenth century rule has been applied recently8 and, at a simplistic level, provides that only English law (such as an English compromise proceeding) can alter obligations created under English law. The rule is currently disapplied by the European Insolvency Regulation in respect of European compromise proceedings but, following a "hard" Brexit, the rule in Gibbs could take on more significance.
5 Rubin v Eurofinance [2012] UKSC 46 6 The final text of the New Model Law has been published by the Commission, although the United Nations General Assembly has not yet approved
its adoption. The General Assembly typically oversees UNCITRAL's work and it is expected that its next resolution (amongst other items covering
the New Model Law) will be published towards the end of this year. Available at: http://www.uncitral.org/pdf/english/texts/insolven/Interim_MLIJ.pdf 7 Antony Gibbs and sons v La Socit Industrielle et Commerciale des Mtaux (1890) 25 QBD 399 8 See In the Matter of Agrokor DD, In the Matter of the Cross-Border Insolvency Regulations 2006 [2017] EWHC 2791 (Ch) and Gunel Bakhshiyeva
(In Her Capacity As the Foreign Representative of the OJSC International Bank of Azerbaijan) v Sberbank of Russia (and others) [2018] EWHC 59
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Why doesn't the UK just "do the right thing" and continue to recognise European insolvency proceedings in the same way it does currently under the European Insolvency Regulation, regardless of any lack of reciprocity?
While this seems initially appealing, in our view it would be unwise for the UK to take this approach. The European Insolvency Regulation works so well because there are built-in safe-guards (which were heavily negotiated given that the Regulation works on the basis of automatic recognition) around choice of law. Similar European recognition regimes applying to financial institutions and insurance companies (e.g. the Credit Institutions Winding Up Directive (CIWUD) and the Solvency II Directive) contain equivalent safe-guards. Some of the key safe-guards are set out in the diagram below. To take an example by way of illustration: at the moment, a French insolvency process cannot affect security over assets located in another Member State, such as the UK; and in a Greek insolvency process, rights of set-off are determined by the law applicable to the insolvent debtor's claim which, in the case of an ISDA, may be English law. Once the UK is no longer a Member State, there will be no guarantee that Europe will continue to apply these safe-guards to English secured assets or contracts governed by English law. In our view, the UK needs to have the right not to recognise insolvency proceedings where these critical safe-guards no longer apply between the UK and the remaining Member States.
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Key takeaways
Is there anything I should be doing now to prepare for Brexit?
In the context of restructurings and insolvencies, the short answer is probably not. We are sometimes asked questions around English governing law and English jurisdiction clauses, and whether parties should be considering moving to the law/jurisdiction of another Member State. However, we do not think this is necessary: the key advantages of English law will continue post-Brexit and we have highlighted above the advantages of an English law agreement in the context of a scheme of arrangement. The same is true for changes to your jurisdiction clauses. A move away from English jurisdiction is not necessary in light of Brexit. There may be some advantages in having an exclusive jurisdiction clause in favour of the English courts (rather than the asymmetric one that the LMA currently uses), but this decision needs to be taken as part of a broader discussion.
Is it all bad news?
Certainly not. A number of European jurisdictions are introducing new restructuring tools, perhaps to take advantage of the perceived uncertainties surrounding the impact of Brexit on English procedures, such as the scheme of arrangement. One example is the proposed Dutch scheme which, in particular, is keenly anticipated. We expect more European alternatives to the English scheme of arrangement to appear as and when Member States start to implement the proposed EU Directive on preventative restructuring frameworks and second chance9, although this is unlikely to be finalised until 2019. We see this increase in restructuring tools as a good thing, since the additional options will create opportunities for investors and increase the chances of maximising value for all stakeholders. It is worth mentioning that the UK is also looking to add to its restructuring toolbox with a number of new initiatives that, although unlikely to get onto the statute book until after Brexit, are clearly intended to ensure UK procedures maintain their "best in class" status.10 However, none of these new procedures are yet tried and tested and they will take some time to bed in and for confidence in their ability to deliver results to grow. In this sense, the English scheme of arrangement has a huge head start and, given all the strengths of the English scheme, we believe restructuring practitioners will find a way of ensuring that it is still recognised overseas.
There is likely to be a greater impact on European cross-border insolvencies involving the UK, with the possible need for parallel proceedings and the additional time and cost implications that that entails. However, again, the hurdles will not be insurmountable European cross-border cases were successfully completed prior to 2000, when the European Insolvency Regulation came into force, and we successfully manage many non-European cross-border situations today (with US and Asia, for example).
9 Available at: https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:52016PC0723&from=EN 10 For more information on the proposed reforms see our bulletin UK Corporate Insolvency Reforms: What do I need to know? (October 2018) -
available at: http://www.allenovery.com/SiteCollectionDocuments/UK_Corporate_Insolvency_Reforms_Factsheet.pdf
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What I Wore Today…
This is quite the monumental style post for me as I can honestly say I haven't worn a pair of trousers for approx. 1 ½ years (well only to the gym – but that doesn't really count)!
I am usually just a dresses & skirts kinda-gal, but these cigarette-length chinos really caught my eye. So I decided to give trousers another try in my wardrobe. I teamed them with the top & cocktail ring I also brought at Witchery last weekend; my Prada handbag; Mollini heels; & my new orange beret… oh la la!
I must have been in quite the 'Autumnal mood' as each purchase I brought home was within this orange / brown / neutral tonal palette. I cannot wait for colder Autumn & Winter weather in Australia now… hello hats, hosiery and gorgeous coats! Oh how I have missed you!
What is your signature weekend look? xx
What I Wore Today…
I had been saving this dress for a rainy day… & today was the day I finally decided to bring it out of the closet
I purchased this dress nearly a year ago {on the same shopping trip that saw me buy my Carla Zampatti ball gown for the Alex Perry AEIOU event}. I love it, but have never quite found the perfect occasion to wear it. So I just decided it was time to stop waiting and wear it somewhere!
The 50's shape is so divine and I adore the netting and the layers of silk chiffon in the skirt. It's so fun and whimsical – perfect for twirling!
I wore my Carla Zampatti cocktail dress with my Mollini heels and Prada handbag.
Hope you are all having a wonderful weekend! xx
Behind The Scenes
What I Wore Today & Behind The Scenes For CaraGray.com
Here is a sneak peek at the 'photo shoot' I did today for caragray.com – which you will begin to see appear on the website & in another very exciting place soon (I shall reveal more a little later)!
I also shot a video today about 'The Woman Of Paris' Collection – talking about each piece; my collection inspiration; my obsession with Paris; and a little more about CaraGray.com. I hope to launch it online in the next week and will keep you all posted.
Meanwhile, for the shoot & my day in the office I wore… a bespoke white shirt; my favourite striped black & white skirt from Cue; and my bedazzled Nine West Heels…

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Omar Ford
Dassault Puts Down $5.8B for Medidata Solutions
The acquisition would bolster Dassault's clinical trials and help the company shift toward personalized medicine.
Taking a Stand on Women's Health
A panel at MD&M East discussed the issue of women, especially those in the developing world, being underserved when it comes to medical technology.
Who Took Home the Gold at the MDEAs?
The Medical Design Excellence Awards ceremony was booming with anticipation on Tuesday night, as some of medtech's brightest and most innovative attended the premier awards program for the industry.
Partnership Reveals New Details on Medtronic's Surgical Robot
Under the collaboration, Medtronic's surgical robotics platform would incorporate Karl Storz's 3D vision systems and visualization components.
Could Revita DMR be an Alternative to Insulin Use?
Although additional studies would have to be conducted, Fractyl Laboratories presented interim data at the American Diabetes Association's 79th Scientific Sessions that show its procedure could help eliminate the need for daily insulin injections for type 2 diabetes patients.
Will Medtech Be on High Alert after Quest and LabCorp Patient Data Exposure?
Uri Barel, an expert in software analytics, spoke with MD+DI about how medtech companies can navigate cybersecurity turmoil.
BrainBox Seeks to Bring TBI Detection Test to Market
The Richmond, VA-based company received breakthrough device designation for its BrainBox TBI test.
Meet Thrive: The New Kid on the Liquid Biopsy Block
Thrive Earlier Detection Corp. has raised $110 million in a series A financing and has a launch similar to Grail's introduction into the liquid biopsy market.
ReWalk's Momentum Continues with New Nod from FDA
The company has received a greenlight from FDA to market the ReStore soft exo-suit system intended for use in the treatment of stroke survivors.
7.7M LabCorp Customers Info. Exposed in Collections Agency Breach
Nearly 20 million have had their personal information compromised as a result of a security breach at AMCA, a third party collections agency that both LabCorp and Quest Diagnostics used.
Could Myriad's New Study Results Be Game Changers For Cancer Patients?
The Salt Lake City, UT-based company made a big showing at the 2019 American Society of Clinical Oncology meeting, presenting data from three key studies.
Making Tumor Treatment Less Complicated
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Quest Diagnostics Data Breach Could Impact Nearly 12M Customers
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text: OTCMKTS:SCMWY - Swisscom Stock Price, News, & Analysis Adding Choose a watchlist: Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat Daily Premium to add more stocks to your watchlist. Adding Swisscom AG Please log in to your account or sign up in order to add this asset to your watchlist. Log In and Add $49.75 -0.20 (-0.40 %) (As of 06/16/2019 04:00 PM ET) Add Compare Today's Range$49.62Now: $49.75▼$49.8150-Day Range$46.17MA: $47.91▼$50.0152-Week Range$43.02Now: $49.75▼$50.05Volume3,219 shsAverage Volume7,490 shsMarket Capitalization$25.77 billionP/E Ratio16.53Dividend Yield3.70%Beta0.29 ProfileAnalyst RatingsAdvanced ChartDividendEarningsFinancialsHeadlinesSEC FilingsSocial Media Share on FacebookShare on TwitterShare on LinkedInShare on RedditShare on StocktwitsPrint this articleShare by Email Swisscom AG provides telecommunication services primarily in Switzerland, Italy, and internationally. The company operates through three segments: Swisscom Switzerland, Fastweb, and Other Operating. It offers broadband, TV, fixed-network, and mobile phone subscription services, as well as national and international telephone, and data traffic services for residential customers, and small and medium-sized enterprises. Read More… Industry, Sector and Symbol Stock Exchange OTCMKTS Industry Telephone communication, except radio Sub-IndustryN/A SectorUtilities Current SymbolOTCMKTS:SCMWY Previous Symbol CUSIPN/A CIK1069336 Webhttp://www.swisscom.ch/ Phone41-31-342-1111Debt Debt-to-Equity RatioN/A Current RatioN/A Quick RatioN/APrice-To-Earnings Trailing P/E Ratio16.53 Forward P/E Ratio17.52 P/E GrowthN/A Sales & Book Value Annual Sales$11.98 billion Price / Sales2.15 Cash Flow$7.3270 per share Price / Cash Flow6.79 Book Value$14.99 per share Price / Book3.32Profitability EPS (Most Recent Fiscal Year)$3.01 Net Income$1.56 billion Net Margins13.03% Return on Equity18.74% Return on Assets6.66%Miscellaneous Employees20,506 Outstanding Shares518,020,000Market Cap$25.77 billion Next Earnings Date6/19/2019 (Estimated) OptionableNot Optionable OTC:SCMWY Rates by TradingView Receive SCMWY News and Ratings via Email Sign-up to receive the latest news and ratings for SCMWY and its competitors with MarketBeat's FREE daily newsletter. Swisscom (OTCMKTS:SCMWY) Frequently Asked Questions What is Swisscom's stock symbol? Swisscom trades on the OTCMKTS under the ticker symbol "SCMWY." How often does Swisscom pay dividends? What is the dividend yield for Swisscom? Swisscom announced an annual dividend on Monday, March 25th. Investors of record on Friday, April 5th will be paid a dividend of $1.828 per share on Thursday, May 16th. This represents a dividend yield of 3.76%. The ex-dividend date is Thursday, April 4th. View Swisscom's Dividend History. When is Swisscom's next earnings date? Swisscom is scheduled to release their next quarterly earnings announcement on Wednesday, June 19th 2019. View Earnings Estimates for Swisscom. What is the consensus analysts' recommendation for Swisscom? 3 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Swisscom in the last year. There are currently 1 sell rating and 2 hold ratings for the stock, resulting in a consensus recommendation of "Hold." View Analyst Ratings for Swisscom. Has Swisscom been receiving favorable news coverage? Media coverage about SCMWY stock has trended somewhat positive on Sunday, according to InfoTrie. The research firm ranks the sentiment of media coverage by analyzing more than six thousand news and blog sources. The firm ranks coverage of public companies on a scale of negative five to five, with scores nearest to five being the most favorable. Swisscom earned a daily sentiment score of 1.2 on InfoTrie's scale. They also gave news coverage about the utilities provider a news buzz of 10.0 out of 10, indicating that recent media coverage is extremely likely to have an effect on the company's share price in the near term. View News Stories for Swisscom. Who are some of Swisscom's key competitors? Some companies that are related to Swisscom include SoftBank Group (SFTBY), Nippon Telegraph & Telephone (NTTYY), America Movil SAB de CV ADR Series L (AMX), Telefonica (TEF), Orange (ORAN), BCE (BCE), China Telecom (CHA), SINGAPORE TELEC/S (SGAPY), VIVENDI SA/ADR (VIVHY), Telenor ASA (TELNY), Telstra (TLSYY), Sprint (S), Telekomnks Indn Prsr Tbk Prshn Prsrn (TLK), BT Group (BT) and Telefonica Brasil (VIV). What other stocks do shareholders of Swisscom own? Based on aggregate information from My MarketBeat watchlists, some companies that other Swisscom investors own include Cheesecake Factory (CAKE), CVR Refining (CVRR), Inogen (INGN), Windstream (WIN), Athabasca Oil (ATH), California Resources (CRC), Siemens (SIEGY), General Motors (GM), Goldman Sachs Group (GS) and JPMorgan Chase & Co. (JPM). Who are Swisscom's key executives? Swisscom's management team includes the folowing people: Mr. Urs Schaeppi lic. oec. HSG, CEO, Head of Swisscom - Switzerland & Member of Exec. Board (Age 59)Mr. Mario Rossi, CFO, Head of Bus. Steering Switzerland & Member of Exec. Board (Age 59)Mr. Hans C. Werner, Chief Personnel Officer, Head of Group HR & Member of Exec. Board (Age 59)Mr. Marc Werner, Head of Sales & Services Division and Member of Exec. Board (Age 52)Mr. Dirk Wierzbitzki, Head of Products & Marketing Bus. Division and Member of Exec. Board (Age 54) How do I buy shares of Swisscom? Shares of SCMWY can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab. What is Swisscom's stock price today? One share of SCMWY stock can currently be purchased for approximately $49.75. How big of a company is Swisscom? Swisscom has a market capitalization of $25.77 billion and generates $11.98 billion in revenue each year. The utilities provider earns $1.56 billion in net income (profit) each year or $3.01 on an earnings per share basis. Swisscom employs 20,506 workers across the globe.View Additional Information About Swisscom. What is Swisscom's official website? The official website for Swisscom is http://www.swisscom.ch/. How can I contact Swisscom? Swisscom's mailing address is ALTE TIEFENAUSTRASSE 6, BERN V8, 3048. The utilities provider can be reached via phone at 41-31-342-1111 or via email at [email protected] MarketBeat Community Rating for Swisscom (OTCMKTS SCMWY)Community Ranking: 1.5 out of 5 ( )Outperform Votes: 128 (Thanks for Voting!)Underperform Votes: 288 (Thanks for Voting!)Total Votes: 416MarketBeat's community ratings are surveys of what our community members think about Swisscom and other stocks. Vote "Outperform" if you believe SCMWY will outperform the S&P 500 over the long term. Vote "Underperform" if you believe SCMWY will underperform the S&P 500 over the long term. You may vote once every thirty days. This page was last updated on 6/16/2019 by MarketBeat.com StaffFeatured Article: What are the benefits of investing in REITs?


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How can a bridging loan help me?
Short term property loans
Perhaps you are looking to buy property, refurbish it and then sell it on again as quickly as possible without having to tie up capital resources or an investor who wants to buy a property at a good price. Whatever your reason for wanting a bridging loan, we can help you get the best deal.
Bridging loans have a reputation for being expensive, and yet if they are used in the right way they can be beneficial – not least because of the speed with which it can all be agreed. In fact, you could have a decision in hours and the loan completed in days.
Auction Purchase Finance
Time can often be tight when it comes to a property purchases at auction. Independent buyers looking for a bargain at auction can use bridging loans to meet the 28-day deadline for completion set by all auction houses in the UK. Once you own the property, you can then remortgage in order to repay the bridging loan. We know that many of our clients are seeking 100% of the auction property bid-price plus renovation costs, and BWG can achieve this by using a combination of both the new auction house and your existing house as security (subject to equity).
Residential (Regulated Bridging Finance)
Residential bridging loans are most commonly used when you're looking to purchase another property whilst your existing one is being sold. They can also be used to release equity quickly for debt consolidation, business injection, to purchase investment properties or complete home improvements.
Land, Planning and Bridging Finance
Bridging loans are an excellent way to help investors, developers, private builders or self- build projects move quickly once a site has been identified with planning permission, or planning potential is in place. Once the value of the site has been increased by planning permission being granted, you can re-finance the site, complete the development, or sell it.
Commercial (Short Term Bridging Business Finance)
If you are self-employed and looking to purchase new premises or raise funds to inject into your business, but don't fit with the traditional lenders' criteria, then a commercial bridging loan could be right for you. We understand that time is of the essence, and with bridging loans you can expect a quick application process, quick decision, and funds released swiftly.
Upto 70% of the market value can be raised. Commercial bridging loans can also be used to release equity for debt consolidation, or business injection, or else to purchase investment properties.
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Preview: Western Sydney Wanderers v Wellington Phoenix
Played 5 - Win: Wanderers 2, Phoenix 1, Draws 2
Previous encounter:
Phoenix 0-0 Wanderers, December 1, 2013
Past five matches:
Wanderers: DWWDD
Phoenix: WWLLL
The Game:
The Western Sydney Wanderers surrendered the chance to close the gap on league-leaders Brisbane after a draw against the Melbourne Victory last Saturday. Despite leading for most of the second half, Gui Finkler's stunning last-gasp free-kick meant Tony Popovic's side missed out on maximum points. But they will certainly fancy their chances of getting back to winning ways to kick off 2014. Shinji Ono and Tomi Juric were both left out of the squad against the Victory and should return while Youssouf Hersi is also likely for a recall to the starting side.
Crisis for Wellington...what crisis? A little over a week ago it looked like the Phoenix would again be battling for the wooden spoon this season but a 1-0 win over Melbourne Heart made it back-to-back wins for Ernie Merrick's side. It was the first time in 18 months the Kiwis had won consecutive games and confidence must be building throughout the squad as they close in on the top six. While they struggled for victories in the first third of the campaign, the Phoenix have played a lot better than their ladder position indicated and they are now getting rewarded for their efforts. Wellington have won just once against the Wanderers from five clashes but both encounters already this season have ended all square.
The big issue:
Wanderers - The speculation of Shinji Ono's possible departure in January has intensified in recent weeks with a host of club's keen to secure the Japanese midfielder's services. Popovic is adamant Ono is going nowhere but until the 34-year-old puts pen-to-paper on a new deal there are sure to be some nervous Wanderers fans...and players. While dealing with contract talk and player movement is nothing new, Popovic will want the matter put to bed quickly so they can focus on chasing down the Roar.
Phoenix - Keeping the home fans quiet. We never said it was easy but it would certainly help the Phoenix's chances of escaping from Wanderland with any points. There's no denying the Wanderers possess the most vocal and passionate support in the A-League and they have become a major part of the new club's success. The Phoenix would have taken some confidence from their 1-1 draw on the Wanderers' home turf earlier in the season and will hope to use that experience to eke out a similar result.
The game breaker:
Carlos Hernandez - After a mini-stoush with the club just before Christmas, the Costa Rican has started the last two games and appears to be nearing his best form. Hernandez's creativity and eye for a strike from distance is sure to be vital to the Phoenix's chances of breaking down the meanest defence in the competition. With striker Steyn Huysegums now starting to find the back of the net on a regular basis, the Phoenix certainly possess the firepower to worry the Wanderers.
Prediction: Wanderers 2-0 Phoenix
With the games coming thick and fast during the busy festive schedule, it would be no surprise if there was a couple of upsets or shock results across the A-League. Despite the Phoenix's back-to-back wins, this contest is unlikely to be one of them. The Wanderers have a formidable home record and Popovic has the uncanny ability to continually tinker with his side and still get results. It was around this stage last season where the Wanderers hit top gear on the way to the Premiers' Plate and they will see this match as the perfect opportunity for history to repeat itself.


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Facebook Celebrates Relocation of Taiwan Office – Vows to Develop Technology Together
By Korbin Lan
Published: Apr 15,2019
TAIPEI, Taiwan - Facebook last week celebrated the relocation of a headquarters office to Taiwan. Executive Yuan Vice Premier Chen Chi-mai was in attendance and expressed his affirmation of Facebook's development and strengthening of digital and technological domains in Taiwan. Vice President of Asia Pacific at Facebook Dan Neary also participated in the event, demonstrating the importance which Facebook attaches to the Taiwanese market.
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Dan Neary said, "We vow to fight for the economy, technology, and talent together with Taiwan."
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Malaysians Can Go On Epic Travel Journey From Malaysia To Portugal Via Train In Near Future!
If you're a traveler or aspiring to be one, you will be on the brink of orgasm after learning about this travel route.
It's possible to travel from Vietnam to Portugal by train. It's an approximate 17,000km journey.
This route has been dubbed the "Ultimate Train Challenge" and we can all see why!
The journey that many travelers have now set path on was first inspired by Michael Hodson and two travel blogger friends who challenged each other to take on the world by train. For a month the bloggers traveled on separate routes from Lisbon, Portugal, to Saigon, Vietnam, on a competitive quest to conquer the longest continuous stretches of train tracks currently on the planet.
The trip involves about 29 trains and the whole quest would take about 340 hours in total, according to travel blogger Nora.
You'd start off from Saigon, Vietnam and the end point is Lisbon, Portugal. In between, you'll pass through countries like China, Russia, Czech Republic, Germany, France, Spain and many more!
There are several routes you could use to reach the end point. Several travelers alike mapped out journeys that you could take, depending on which country you want to visit.
Good news for Malaysians because in the near future, the journey can be joint from Vietnam to Cambodia, Laos, Myanmar, Thailand and of course, Malaysia and Singapore!
Are you feeling wet already wanderlusters? That means it'll be possible for us to visit all these South East Asian countries before working our way up to China and headed for Europe!
So we would not longer have to fly to Vietnam to do the "Ultimate Train Challenge" but can start from our own country onwards to Portugal, and it'll be done all via train!
The railway project to connect the paths is still ongoing and is estimated to be completed in 2021. So save up fellow Malaysians, and maybe in 2021, we can have the most epic travel adventure ever!
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If initial impressions mean anything, this is definitely one of the biggest bang-for-the-buck baby monitors on the market. It has some fantastic features, and is offered at a great price point at around $70! Here are some of the best features: first, it has very clear daytime video and crystal clear sound. Using 2.4Ghz communications, like most others on this list, it does a great job connecting, staying connected, and providing superb sound quality. It also is expandable with additional cameras - up to 4 additional cameras to be exact, which means you can really get one of these everywhere. Need one in the playroom, nursery, by the bassinet? Having up to 4 cameras connected is awesome, and the base station provides the easy ability to switch which camera you're looking at. Of course, it only comes with one out of the box, but you can buy extra cameras for about $40 each. We also liked that there is no complicated setup like with some of the IP cameras on this list, which means that there is no connecting to your internet router, or trying to get a phone app to connect. Of course, that also means you can only watch from the base station, not on your phone. About that base station. You can control whether you want digital video and sound, or sound only, and you can also remotely zoom in on your baby as needed (only 2 zoom levels though), but you cannot remotely pan or tilt the camera. There is a 2-way intercom (twoway talk) so you can talk to baby, or play one of the included lullabies. With the screen on, we were able to get the base station's battery to last for about 7 hours, and with just sound the battery lasted for about 11 hours. So definitely long enough for nap times during the day! Like many of the other ones on this list, you can put it into standby mode and have it voice activate automatically when the camera's microphone hears something in the room (like a fussy baby). We thought this feature worked really well and wasn't overly-sensitive and false alarming all night, which could get really annoying. So there are a lot of things to love about this baby video monitor. With such a low price, the feature list is obviously limited. We also thought the nighttime video quality really left something to be desired. We kept trying to increase the brightness to help, but it still was pretty poor relative to other units on this list. Finally, when we first reviewed this system we purchased 3 of them. After 1.5 years, only 1 of them is still working perfectly, 1 of them is a bit glitchy from time to time, and the other one had a screen failure. So we see some reliability and consistency issues with these baby video monitors, and that's the primary reason that it's not higher up on our list. In any event, we do recommend this camera, especially given the overall bang for the buck. But given how cheap it is, don't expect any miracles, or to be buying something to last you until you have grandchildren!
The patterns you see in most owner reviews support our findings, with various folks noting the excellent video quality, and, often, ultimately rating the product poorly because of its inability to consistently maintain a connection, problems with the app, issues with the app's updates not working with their particular phone, or other basic connection problems.
The VTech DM221 audio monitor is the best choice in the category—it's consistently a best seller at multiple retailers, with thousands of positive customer reviews. Losing video is a major sacrifice, of course, but we could see this monitor being a good choice for parents of toddlers who are considering replacing a failing monitor, or people who want a monitor only so they can hear their kid crying out from a distant bedroom.
Summer Infant has been making high-quality, reliable baby monitors for many years. One problem with the Summer Infant monitors is that it's difficult to figure out which one has the features and quality you want, given the very wide range of options. Some are much better than others, and this is definitely one of the better ones we've tested. This color baby monitor has a high-quality 5" high resolution LCD display, which is a similar quality to the Project Nursery monitor in terms of color, contrast, and brightness. When we first got our hands on this, we were excited that maybe it was a nice wide angle panorama camera. But it turns out what they meant by "panorama" is that you can remotely tilt, pan, and zoom. The panning does go nice and wide, allowing you to swing the camera side to side about 180-degrees. But the camera angle itself is no different than the other monitors on this list. That being said, this is a great baby monitor with some great features. In addition to being able to remotely pan, tilt, and zoom the camera, some of the best features were: 1) a subtle night light that you can turn on/off remotely, and can choose it to glow with a soft blue or red color, 2) a sensor that tells you the temperature of your baby's room at all times, 3) a sound-activated light bar on the top of the receiver that tells you when there's noise in the room (even when volume is off). We thought the big hand-held unit was great, with a convenient kick-stand to put it anywhere in the house, great battery life, and good range. We were able to walk around in the backyard with this unit and still get a good, stable image. Note that you can add an extra camera to this, and it will cycle through the two cameras automatically (it does not do split-screen to see both at once). Downfalls? Well, the night vision isn't quite as good as with higher-ranked monitors on this list, and even the lowest volume level seemed really loud for sleeping parents. Also, even though the screen is nice and big, the digital video quality is sub-par relative to several other options on this list. Overall, this is a great addition to our best baby monitor list, as it has great features and falls in the middle of the price range. For about the same price, we'd go with the Infant Optics or Samsung option, unless you value the larger screen size.
The Dropcam Echo is an example of a digital video camera system that uses your existing wireless network, allowing you to use your computer or other device as the receiver. (We haven't tested this type of monitor.) Parents go to the Dropcam website, sign in to their account, and then connect the Dropcam to their router using an Ethernet cable. (Once the connection is made, you don't need to use the cable again.) The Dropcam locates your wireless network, you enter your unit's serial number, and the unit begins streaming encrypted video that you can view on a computer, iPhone, iPad, or Android device. You mount the camera in your baby's room and plug it into an electrical outlet.
Range of signal: Some baby monitors have better range than others. If you live in a big house with multiple rooms, range will be a key consideration for you. Anyone who lives in a single-story house or a smaller apartment may not need as much range. Many baby monitors have an alert when you get out of range, and the packaging typically gives you an estimate of the range. Bear in mind that range varies widely from home to home. The construction of the walls between you and the baby monitor may even limit the range.
Excellent used condition. Minimal usage. Comes complete and works using the included monitor. Unable to locate the app though, in the App Store. Remote pan, scan & zoom Encrypted video for private viewing in-Home and away Expandable system Free viewing app for apple and android devices Two-way communication Secure login to view on smart phones, tablets & computers
Intuitive and User-Friendly Menu and Features: What good are 25 fancy features if you can't figure out how to navigate the menu and customize settings or change options? All of the best baby monitors reviewed above have great utility, with high video quality and a nice feature set, but some of them have relatively high usability, which comes in handy when you don't want to spend too much time shuffling through menus to change one silly setting.
The Vtech DM221 offers the features you need, coupled with the best sound clarity in our review of sound products. The DM221 comes with easy to set sound activation and adjustable mic sensitivity to help create a peaceful environment for a quality night's sleep with a parent device that only makes a peep when your little one does. The DM221's parent unit talk to baby feature sounds natural on the baby's side so your infant won't be alarmed by a robotic or static sound found in some of the competition. This unit is a budget-friendly choice that will work for almost any family.
During our tests, we found ourselves among the fraction of buyers having problems with the display on the DXR-8. Our first test unit worked fine out of the box, but after a couple of hours running on battery, the display became distorted and nothing would fix it. Likewise, you'll find a few complaints on Amazon of owners experiencing dead pixels after about a year of use (here's one and here's another). The good news: Those folks reported that Infant Optics replaced their monitors (as they did ours) even though some were out of warranty. In fact, the company consistently receives decent feedback on customer service.
Sound activation is a feature we think parents should consider. This feature creates a quiet monitor unless the baby is actively making noise and translates to parents potentially getting more sleep because they aren't kept awake by ambient noises. Having sound activation means you only hear what you want to. This feature can be found in dedicated and Wi-Fi monitors.
It may surprise you to hear that simply being able to last through the night, unplugged, with the display off, qualifies as exceptional battery life for a baby monitor. The Infant Optics was one of the only monitors in our testing that could easily do that, and then last a while longer the next day. That alone puts it head-and-shoulders above many other monitors we tested.
If you opt for a Wi-Fi video baby monitor, you'll need a strong internet connection, because if your internet fails, so does your baby monitor. These baby monitors operate like your average smart home security camera from Nest, Canary, or others. You connect the camera to your Wi-Fi network, and then you can access live video anywhere on your computer, smartphone, or tablet. Many of these types of cameras offer encryption and other high-tech security features.
Notifications and alerts work by sending a message or email to your device when motion or sound has occurred. This feature is only found in the Wi-Fi monitors, and isn't the best feature for baby because it comes after the fact (sometimes up to 30 min or more after), it does not offer details of the type of sound or motion detected, and could get annoying with useless and excessive messages being sent. In the end, we prefer sound activation over notifications and feel that alerts and notifications aren't all that useful for keeping tabs on your baby.
From a pure imaging standpoint, night vision is vital for watching your baby sleep from another room, and is standard for most baby monitors. Motorized pan and tilt (which lets you swivel the camera from afar) isn't quite as common, but is very welcome if you have a toddler and want to scan an entire room. High-definition is a nice plus, but you don't need the highest-resolution sensor to keep tabs on your baby—most of the monitors we test use 720p cameras rather than 1080p.
In addition to monitoring your kids, you can use the camera's two-way talk to soothe your child (smart for when you sleep train), and it also comes with Intelligent Motion Alerts to let you know if something's happening in the room. You can also choose to record video footage on an SD card (not included) if you want to use this product as a nanny cam.
With a dedicated baby monitor, push-to-talk capabilities will usually be integrated, as well as the ability to record and share still images and video clips (even if some monitors require a subscription to do so). Baby video monitors will also usually have built-in music files that you can play to soothe your child. Just the ability to pan and tilt the camera — the Nest has a fixed 130-degree wide-angle perspective — means you can follow your kids wherever they scamper.
A standard video baby monitor is the first step up from audio-only baby monitors. They all come with two parts: the parent unit, consisting of a portable display screen, and the baby unit, which includes the camera and its stand. If you just want the basics or have an unreliable internet connect, a standard video monitor will help you watch over your baby without the price tag of more feature-heavy WiFi monitors.
There are two basic types: audio and video/audio. Some are analog, others are digital. All monitors operate within a selected radio frequency band to send sound from a baby's room to a receiver in another room. Each monitor consists of a transmitter (the child/nursery unit) and one or more receivers. Prices range from about $25 to $150 for audio monitors and about $80 to $300 for audio/video monitors.


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Willing to work broker forex seguros you to sas programmer part time work from home a regular schedule.
View full job When do forex holiday list 2019 want a job? Through FlexJobs I was able to find a job that allows me to drive my eldest to and from preschool and most importantly be present for my children in their younger years. Sept 14 9: Upon delivery the drivers are returned to their point of origin normally via a flight, a rental car, or a combination of both.
Right at Home offers flexible schedules with a variety of hours available. I applied, and about a month later I got a call for an interview.
Looking ahead, we need coverage for the following dates: All units are driven to the specified delivery tqqq stock price options, we do not deck trucks or tow anything behind the trucks.
Heather Forex market watch free download. Selected Success Stories from Wisconsin Welcome to Wisconsin remote, part-time, freelance, and other flexible jobs!
No bedrooms. In addition, many Wisconsin jobs can be found in the education sector at one of the 26 campuses that make up the University of Wisconsin system or at private institutions like Beloit College or Wisconsin Lutheran College. June 9 7: This was the second job I found on FlexJobs. It's a really great website--many useful tools and a professional staff.
We would prefer someone who could help out with meal preparation. Wisconsin is a midwestern state bordering Lake Superior to the north and Lake Michigan to the east.
Normally next day departures. Travel Reimbursement.
You must posses and maintain a cell phone. You may return the application to us via fax, mail, or email.
Contact Us: We would prefer a nanny who has their own car, who does not smoke, who is comfortable with our small dog and is preferably CPR certified. Looking for someone long term to clean our house weekly and our small office every other week.
I absolutely felt satisfied with the opportunities that came up on FlexJobs, and I knew that if I kept searching and applied myself, I would find a job. Driver Opportunities. Using FlexJobs was easy, and I got results quickly. Must be reliable, dependable and have a strong attention to detail in completing tasks, communication skills and top 10 option trading books.
An all-around win! The day I joined, a job that was a great fit for me was posted. I was so glad when I found out about FlexJobs, and how convenient they have everything set up to find different types of flexible and remote jobs.
They are sweet, sometimes wild little boys who love superheroes. Hours will binara handelsplatser sverige part time but may work from home asia to full in the future.
Available work is part-time, full time, or occasional. Some organizational help. I probably will use them again in the future when I am done with my schooling to find legitimate work-from-home position in my field. Please note: Must have own transportation. Ability to read, write, speak and understand English as needed for the job.
Kelly A.
I'll sign up again when I'm looking for more freelance work. An online version of our driver application is available by following the link below. There are so many different ways to search for jobs. We are very casual in our house, but expect great job performance, including light housework throughout the day.
Completion of a written Competency Evaluation.
Jared N. I am so happy. I actually have not cancelled my subscription because I love to see all the jobs that are out there. Must reside within a reasonable distance of our primary points of origin, NE WI, or Bradenton FL as most job assignments involve very short notice.
We need a fairy god-mother to come once a week to help me catch up on house cleaning, to be ready to entertain for the weekends. I was looking for something where I could work part-time at home.
Search 31 part time jobs in Appleton, WI. Appleton, Wisconsin Job Description: Gotta love it! Must be capable of receiving emails and printing paperwork. FlexJobs allowed me to find my PERFECT job that will allow me to balance my professional life, my passion for the hospitality industry, and my family life.
Must love animals! Appleton home needs a part-time house cleaner.
Easy to navigate, plenty of suitable jobs with reputable companies. I love FlexJobs. A current medical card is also required. Majority of care will be for toddler.
Qualifications High school graduate or G. I found exactly what I wanted. Looking primarily for evening and weekend care on a regular basis with flexibility to pick up extra shifts as needed. You are supported by a staff that provides you with the training, direction and tools to help you fulfill your personal mission of service.
Emily L. Nicole C. I will be able to work from home in the afternoon part-time and will also save on childcare expenses.
Essential Functions Performs homemaking activities which include but are not limited to: Drivers choose when they would like to work and how often. Feel free to send us an email with any questions. Drive-away experience and OTR helpful.


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Overview: indicator/warning lamps
Turn signal
Parking brake
Parking brake in Canadian models
Automatic Hold*
Front fog lamps*
High beams
High-beam Assistant
Parking lamps, headlamp control
Active Cruise Control
Vehicle detection, Active Cruise Control
Cruise control
Lane departure warning
DSC Dynamic Stability Control
DSC Dynamic Stability Control or DTC Dynamic Traction Control
Tire Pressure Monitor
Safety belts
Airbag system
Steering system
Brake system
Brake system in Canadian models
Antilock Brake System ABS
Antilock Brake System ABS in Canadian models
See also:
The individual vehicle
When you ordered your BMW, you chose various items of equipment. This Owner's Manual describes the entire array of options and equipment available with a specific BMW model. Please bear in mi ...
Displaying, setting or changing the limit
1. "Settings" 2. "Speed" 3. "Warning at:" Warning at 4. Turn the controller until the desired limit is displayed. 5. Press the controller. The speed limit is st ...
Uniform Tire Quality Grading
Quality grades can be found where applicable on the tire sidewall between tread shoulder and maximum section width. For example: Treadwear 200 Traction AA Temperature A ...


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Everything about the Gira 5 is perfectly designed and engineered to produce incredible coffee drinks at twice the pace of other units. If we had a need for this much coffee this is the model we would buy, but our current consumption simply doesn't warrant it. The Giga 5 is very popular in office settings but we also know families who entertain that have it in their home.
The Z9 also has a number of advanced features. These include a wireless connection, which can interact with the Jura Cool Control system to warn you when the milk level is low, and integrated cleaning programmes that mean you don't need to manually clean the brewing unit. The milk frother can automatically make creamy milk for cappuccino and lattes.
If you don't have the time or want to build a highly customized taste for your espresso mixes and just want a great tasting cup of espresso, super-automatic espresso makers are going to be your best bet. While you do give up some of the control you have over the final product, a super-automatic espresso maker automates almost all of the process for you, meaning that you can just get a great shot of espresso without having to do any extra work. This makes it perfect for people on the go or who prefer convenience over control.
Now we've looked at what the machine can do, let's turn our attention to what really matters, what real life customers think. We've had a good look around at reviews on the web, and collated the common themes. Hopefully this will give you a real feel for what is good and not so good about this machine, with some battle testing thrown into our Jura Impressa F8 review!
The Jura ENA 5 automatic coffee machine aims to make life easier by doing just about everything for you: grinding the beans, tamping, brewing, and even ejecting the used coffee grounds (with a press of the button). When brewing a tasty cup of coffee, the ever-so-slim design fits on the counter top beneath your kitchen cabinets, keeping the kitchen looking great and clutter-free.
Coffee & Espresso Machines - Touch-button convenience, sophisticated styling and customized options like no other. The Jura Capresso Impressa F7 Automatic Coffee Center Espresso Machine creates delicious, perfectly tailored drinks with less preparation time and less noise. The commercial-grade specially angled internal coffee grinder is now twice as fast. With the full programmability of the Jura F-line, the espresso maker customizes your coffee - all with automatic or push-button ease and without even moving the cup. The high performance 18-bar pump with 1,450-watt stainless-steel lined Thermoblock heating system ensures fast, energy efficiency. Espresso maker's 10-digit LED display dialog system shows brew strength and cup size while brewing. DualFrother PLUS smoothly froths and steams milk of the finest quality and consistency. Sleek, symmetrical design fits in any kitchen or office, right under the cabinet. Product Features 18-bar pump with 1450-watt stainless-steel lined Thermoblock heating system for fast, - Specifications Made in Switzerland Material: ABS, polypropylene, stainless-steel, matte chrome plating Model: 13709 Capacity: 64 oz. Watts: 1700 / 110 Volts Size: 11" W x 17.5 D x 14" H Weight: 25 lb. Use and Care Housing wipes clean with damp cloth. Rinse and refill water tank daily.


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Leapfest Payments
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Competition Date: Saturday, August 3rd 2019 w/a rain date of Sunday,August 4th 2019
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To register for Leapfest 2018, please download the appropriate Memorandum of Instruction (MOI), and the following three enclosures. Additionally, please use Enclosure 3 as an example for a Memorandum of MC-6 training and jump currency.


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Hello *On the *th of May I made a purchase through list* ************ **Though the item...
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Hello *On the *th of May I made a purchase through list* ************ **Though the item is marked as has been sent to me, Ebay removed this list. The message in my page says to look at my inbox as there is a letter explaining the situation. However, no letter was received. **My guess is that Ebay removed the list since it was suspected as fraudulent...however, I do have a tracking number and it SEEMS something has been sent.**Please be so kind to recommend the next course of action to be taken. Should I immediately open a request?**Thank you
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Flag of Israel - Polyester - Various Sizes
Flag of Israel - Polyester - Various Sizes
$5.99 - $31.90
Product Description
Demonstrate your solidarity. Hang up a flag and tell the world, "We stand by Israel." Made of sturdy polyester with strong side seams, it can be hung indoors or outdoors. It has a side sleeve for inserting a pole but it will look equally effective if pinned onto a door, wall or window frame. Long live Israel!
Customers also shopped for
- Classic Rhodium Silver Necklace with Magen David pendantStarting at $4.49
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- Black velvet kippahStarting at $4.80
- Allegiance to Israel - Black Cap with Flag$7.31
Average rating: 5.0 / 5.0 based on 3 reviews
Thank you!
Happy with this size!By Hill E. on February 18, 2019
Am Yisrael chai
Worked perfectly for our simchaBy David Morris on January 13, 2016
Israel flag
I am Happy with these falgs there are good material and big. ThanksBy Oscar on March 08, 2013


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Enjoy the breathtaking views from the Hamilton at Grace Point, ready to begin a new chapter of 30A living at its very best under new ownership. This exemplary property is being offered with a custom designer furnishings package from Magnolia House Design Group and Jennifer Suddes, boasting a balanced blend of coastal chic, wood tones, and select fabrics and textures. With a layout well suited for a multi-generational family. The overhead hand-hewn beams will captivate you the moment you step into this very special home. The gracious family room offers natural light through the Nano doors opening to the courtyard pool and patio, including an outdoor kitchen and fireplace, which compliments the South Walton lifestyle.The kitchen is every chef's dream with an oversized island, customcabinetry, multiple prep stations and Subzero and Wolf appliance packages and quartz countertops. The first- floor master suite with private courtyard access and ensuite offers Carrera marble, custom cabinets and large walk-in glass shower. An oversized 1st floor laundry room and powder room completes the first floor. The hardwood floors throughout the home are milled at a family wood mill in Albany, GA and are of salvaged wood for a distinctive elegance on every level. Each floor of the residences provides a retreat after your day at the WaterSound Beach Club, or on the links at Camp Creek. The multiple family areas for reading, games or movie nights, balconies and large light-filled rooms. The junior suites throughout the home are complete with private bath, outfitted in Carrera marble, and boasts hand-hewn beams accenting the 10-foot ceilings. One can simply step off their front porch and walk thru the manicured park to the WaterSound Beach Club and easily access the beach through the private gate. The fourth-floor tower can be enchanting the viewer with its stunning emerald water backdrops and endless sunsets! Owners at Grace Point enjoy a lifestyle membership to the WaterSound Beach Club, including Camp Creek, Sharks Tooth, and the private dune walkovers to the pristine private beaches. You must see to truly appreciate!
Beach, Deed Access, Fishing, Gated Community, Pets Allowed, Pool, TV Cable Available
Electric Available, Gas - Natural, Public Water Available, TV Cable Available
Pool - In-Ground, Private, Community
Ceiling Raised, Ceiling Vaulted, Fireplace, Fireplace Gas, Floor Hardwood, Floor Tile, Furnished - All, Kitchen Island, Lighting Recessed, Lighting Track, Newly Painted, Pantry, Shelving, Split Bedroom, Wet Bar, Woodwork Stained, Ceiling Beamed
Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Oven:Self Cleaning, Refrigerator W/Ice Maker, Smoke Detector, Stove/Oven Gas, Washer
A/C: Two Or More, A/C: Central Electric, Ceiling Fans
Roof Shingle/Shake, Siding Shake
Balcony, Fireplace, Patio Covered, Patio Open, Pool - In-Ground, Porch Covered, BBQ Pit/Grill
Covenants, Restrictions, Within 1/2 Mile Of Water
DISCLAIMER: Information Deemed Reliable but not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2019, All rights reserved.
Listing information last updated on June 25th, 2019 at 2:15am CDT.


text: Thanks for the responses. I have been running 2.0.36 and a few responses noted that 2.2.14 solved their problem. I just compiled a fresh kernel from the 2.2.15 sources and indeed that solved the problem. Other information requested: Originally this system was RedHat 5.2 but it's pretty far from that by now. Original kernel 2.0.36 new 2.2.15 fdisk version 2.8 motherboard is an Asus K7M The motherboard bios recognizes the cylinders/sectors/heads correctly but does not give a maximum disk size result as it does for my 1.6G drive (old eh?). Thanks to Jose for interesting references to Maxtor's site. I actually attempted to upgrade the BIOS with the update utility provied by Asus. However the utility doesn't recognize the downloaded EPROM image. <shrug>. It took me a few tries but I finally got my sound card (AWE64 ISA/PNP) working. I still have some modules dependancy problems with the new kernel but most everything else seems to be up and running. The modules not found are net-pf-<x> and nls_<foo> type things . Some sort of packet filtering stuff? /cky