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Other gold ETFs include iShares COMEX Gold Trust , ETF Securities Gold Bullion Securities and ETFS Physical Gold, and Zurich Cantonal Banks Physical Gold. Retail investors can buy gold from metals traders selling bars and coins in specialist shops or on the internet. They pay a premium for investment products of 5% to 20% above spot prices, depending on the size of the product and the weight of demand. Leave a Comment | Business, Finance, Golf, Stellenbosch, Travel, Uncategorized | Permalink Posted by ldpbusinessadvisersMost independent filmmakers do not research and utilize realistic sales projections when developing their Business Plan, or worse, they do not use sales projections at all. This is a huge mistake. Sales projections for your film project are absolutely necessary so you can properly budget your project, raise the necessary financing, and ensure your chances of paying your investors back. Keep in mind there are many variables which will determine the price distributors will pay for your film at any given time including, but not limited to: market trends, comparables, genre, subject matter, actors, producers, or directors involved in the project, if it did well at festivals, commercial viability, etc. Include distribution costs you expect to incur. These will vary with the level of revenue included in the projections and will be different for each distribution channel. You will also need to develop a cash flow projection, a cash break even, and a net profit break even analysis. These can be included in your business plan.

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In 2019, the EU implemented a 79. 3% protective tariff on imported Chinese e bikes to protect EU producers. The two most common types of hub motors used in electric bicycles are brushed and brushless. Many configurations are available, varying in cost and complexity; direct drive and geared motor units are both used. An electric power assist system may be added to almost any pedal cycle using chain drive, belt drive, hub motors or friction drive. BLDC hub motors are a common modern design. The motor is built into the wheel hub itself, while the stator is fixed solidly to the axle, and the magnets are attached to and rotating with the wheel. The bicycle wheel hub is the motor. The power levels of motors used are influenced by available legal categories and are often, but not always limited to under 750 watts. Another type of electric assist motor, often referred to as the mid drive system, is increasing in popularity. With this system, the electric motor is not built into the wheel but is usually mounted near often under the bottom bracket shell.

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I believe that AI will impact the number of grads that firms need to recruit into the future, so instead of KPMG Melbourne taking on 200 grads like now they may be able to drop their recruitment to 40 or 50 grads with AI. The big firms will drive this change, if for no other reason than out of pure greed. Salaries traditionally make up one third of their cost, with overheads ie. A grade office space costing another third. If they can cut this expense by half or even three quarters that extra profit will go to the partners. The firms have a strong incentive to drive this change, and they will drive it as quickly as they can. They will relish cutting their workforces but being able to still charge clients the full rates. I believe that AI will impact the number of grads that firms need to recruit into the future, so instead of KPMG Melbourne taking on 200 grads like now they may be able to drop their recruitment to 40 or 50 grads with AI. Again at issue here is the traditional idea of front loading learning and professional entry rather than staging learning and career progression. There is no doubt that jobs will be significantly impacted: GPs will become consultants, nurses will become data analysts and surgeons will become pilots. Yet, healthcare is not just a matter of data.