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以依法可以转让的股票出质的，质权自（）起成立。
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以依法可以转让的股票出质的质权自起成立
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From:GraceSylvester To:KevinMalone Subject:RecentAppointment DearMr.Malone ThankyouforvisitingtheMadisonCountyMedicalCliniconMonday.Ihopethatyouweresatisfiedwiththelevelofservicesandcarethatyoureceived.AsyourequestedinourrecentphoneconversationIhaveincludedascannedcopyofthemedicalcertificatesignedbyDr.Edwardsasanattachmenttothisemail. ShouldtheelectroniccopyofthisdocumentbeunacceptabletoyouremployerIwillposttheoriginaldocumenttothemdirectly.Pleaseletmeknowifthisisnecessary.PleasenotethatinthefutureIrecommendthatyourequestacopyofyourcertificatewhenyouseethedoctor.Thisismuchsimplerandmoreconvenientforeverybody. Regards GraceSylvester Secretary-MadisonCountyMedicalClinic Whatisthepurposeofthisemail
BusinessSolutionhasbeenvotedthebestfirminsmall-businessbankingattheRegionalBankingAwardsforthe5thtimeinarow.WhatisthesecrettooursuccessTheanswerliesinourresponsiveandprofessionalservice.Werealizethatentrepreneursareextremelybusy.andthattheyhavehighlyspecializedneedssowetailorourservicesaccordingly. BusinessSolutionalsooffersahighlyadvancedonlinebankingservice.Youcantransferfundsbetweenaccountsexchangeforeigncurrencyandapplyforemergencyloansallwiththeclickofafewbuttons. MoreovereveryfirmthatjoinsBusinessSolutionsgetsitsveryownSolutionsManager.SolutionsManagersnotonlygettoknowtheircustomerspersonallytheyalsodevelopanexcellentunderstandingoftheircustomers’businesssotheycangivefastandwell-consideredadviceonallbankingmatters.SolutionsManagersareavailableandatyourservice365daysayearsoyoucancallthemwhenit’sconvenientforyouandnottheotherwayaround. TryBusinessSolutionsforabankingservicethatcaterstotheneedsofyourbusiness! WhatisindicatedaboutSolutionsManagers
OnbehalfoftheworkplaceissuescommitteeIwouldliketoremindyouallabouttheimportanceofenergyconservation.Byreducingourenergyusageintheofficewecannotonlysavethousandsofdollarsonelectricitybillsbutwecanalsohelptheenvironment.Moreoverbeingenergyefficientwillhelpboostourimageinthecommunity. Atlastmonth’smeetingoftheworkplaceissuescommitteewecameupwithalistofsimplemeasuresthatindividualemployeescantaketohelpconserveenergy.Pleasereadthefollowingideasandtrytoputthemintopractice! ...Switchoffyourcomputerandmonitorwhenyoutakeyourlunchbreak. ...Donotuseascreensaveronyourcomputer. ...Leavetheblindsopensothatartificiallightingcanbekepttoaminimum. ...Dressappropriatelyfortheconditionssoastoreduceusageofheatingandairconditioning. ...Takethestairsratherthantheelevatorwheneverpossible. Thelistisanexcellentstartbutitisfarfromexhaustive.Ifyouhaveanysuggestionstoaddpleasedoso.Whetheryouareaseniormanagerorajuniorofficeclerkyourinputisequallyvaluable!Youcanpostsuggestionsontheworkplaceissueswebpageonthecompanyintranet.Wewillthendiscussyoursuggestionsatnextmonth’smeetingoftheworkplaceissuescommittee. Kindregards BethanyWillets Whatisimpliedabouttheworkplaceissuescommittee
Salesofourcarmodelhaverisenbyaround50percenttotheresultslastquarter.
Mr.Bill’softhejobofferattheDepartmentofDefenseisdependentonhisreceivingasecurityclearance.
MaintainYourJazzaxDVDPlayer ThereareafewmeasuresthatyoucantaketoensurethatyourJazzaxDVDplayerstaysintopconditionforaslongaspossible.Forthebestperformancepleaseabidebythefollowingguidelines: ...Storethemachineonaflatsurfaceandinadryarea. ...Toprotecttheelectricalcircuitdonotleavethemachineonstandbyforlongperiods. Unplugitfromtheelectricaloutletwhenyouknowyouwillnotbeusingitinthenearfuture. ...Alwaysusetheejectbuttonwhenopeningandclosingthemachine.Handlingthemachinemanuallymaycausedamagetothecomponents. ...Ifthemachinebecomesdustyordirtycleanitgentlywithadampcloth.Donotuseanychemicalagents. TheJazzaxDVDPlayersisunderwarrantyforamaximumof3years.IfyouexperienceanyproblemswiththemachinevisittheJazzaxwebsiteforcommontroubleshootingproblemsandadvice.OriftheinformationonthewebsitedoesnotmeetyourneedsyoucancalltheJazzaxservicecenterat1-800555-0786andoneofourtechnicianswillcomeandtakecareofit. Whatarecustomerstoldtodo
DearBusinessLeader TheWaltonChamberofCommercecordiallyinvitesyoutoaspecialfunctionontheeveningofNovember23rd.CharltonGreigpreviousCEOofIHBSecuritieswilldeliveratalkattheexclusiveMarleyboneClub.Mr.GreighaswonanumberofbusinessawardsincludingtheprestigiousWorldCommerceFederationGoldStar.Attheeventhewillsharehisamazingpersonalstorywithyououtlininghowheovercameachildhoodofpovertytobecomealeadingbusinessexecutive.Hewillalsoexpresshisopinionsonsomeofthemostimportantissuesinbusinesstoday.InadditionattendeeswillalsohavetheopportunitytochatwithMr.Greigoverdinnerafterwards. Bearinmindthatspaceatthispremiereventisextremelylimited.TheMarleyboneClubhasroomforonly50attendeessopleasecontacttheWaltonChamberofCommercesecretaryMaryEastat021990-779assoonaspossibleifyouareinterestedinattending.Entrytotheeventcosts$250perperson.Athree-coursedinnerisincludedinthepriceofadmission. Welookforwardtoseeingyouthere! TheWaltonChamberofCommerce AccordingtotheinvitationwhatisremarkableaboutMr.Greig
PropertyMarketDownturn Overthefirstquarterof24yeartherehasonlybeen$50millionofturnoverinthelocalrealestatemarket.Thiscomparesunfavorablewiththe$90millionrecordedatthesametimelastyear. BeverleyHauritzthechairoftheProfessionalRealtyAssociationtoldreportersthatshewasnotsurprisedbythefigureswhichshebelievesarearesultoftheglobalfinancialcrisis.25sheisanticipatinganevenbiggerdecreasenextquarterasinvestorslooktoreducespendingevenfurther. Althoughtherehasbeentalkamong26thatpropertypricesmaycontinuefallingthroughouttherestoftheyearMs.Hauritzremainsconfidentthatthepropertymarketwillbegintopickupagaininthefuture.Herpredictionisthatpriceswillreturntotheirpreviouslevelsbytheendoftheyear. 26
Thefindingsfromourmarketresearchareunexpectedthatwemustconductanothertesttoconfirmthem.
PreferredCustomerCard ApplicationProcedure PleasecompletetheattachedformatleasttwoweekspriortoyournextvisittoTrinitySpa.AphotocopyofsomephotoidentificationmustbeincludedaswellasfullpaymentforadministrativefeesinordertoassurethefullbenefitsofthePreferredCustomerstatusasoutlinedinourinformationpackage.Pleasesendthecompletedformbyfax416538-2099totheattentionof"ThePreferredCustomerCardAdministrator"ortothefollowingaddress: "ThePreferredCustomerCardAdministrator" TrinitySpa1HazeltreeLaneTorontoON Pleaseallowtwoweeksforproperprocessing.IfyouhaveanyquestionsorcommentspleasesendanemailtoPCCA@trinityspa.org.WearelookingforwardtowelcomingyouasaPreferredCustomer. TrinitySpaPreferredCustomerCardApplicationForm PersonalInformation FirstName:Sally Surname:Hancock Pleasecheck:Mr.Mrs.√Miss.Ms.Dr.Other DateofBirth:October161976 MailingAddress:345UniversityStreetSuite305 TorontoOnCanadaM5M-3B9 PreferredServices: 1.Facialmassage 2.Aromatherapy 3.AcuChi Homephone:755-4900 BusinessPhone:243-2840. Fax.No.areacode:416-243-0400 E-mail:sally@pj.com CARDPICKUPMETHOD √Pickupatcustomerservicecenter Bymail SallyHancockMondaySeptember252006 SignatureofapplicantDate WhenwillSallyHancock’sapplicationbeapproved
ShowcaseforDutchFilm MuchtothedelightoflocalcinemabuffsDutchFilmWeekiscomingtoIthacanextweek.TheserieswillkickoffonFridaynightwithaviewingofTheovanSaar’sthrillersTheBadlands.ThismoviewonprizesforBestDirectorandBestOriginalScreenplayatthe2010InternationalFilmAwards.OtherfilmsthatwillscreenthroughouttheweekincludethecomedyKeepingLipwiththeVanDijk’sfromdirectorRuudiHuytandMarcoGulit’sfromtragedyTheNighttoEndAllNights. AllofthefilmswillscreenattheLudoTheateronJustinStreet.AcopyoftheprogramcanbedownloadedfromtheLudo’swebsiteoryoucanpickonefromoutsideitsticketoffice.Thosewishingtoattendscreeningsareadvisedtobookearlyasdemandforticketsisexpectedtobehigh. DutchFilmWeekwillnotonlyshowcaseauniquetypeofcinemaitwillalsocelebrateDutchartsandculture.AccordinglytheLudowillhostanopeningceremonytomarktheopeningofthisexcitingfestival.AswellaslocalfilmenthusiaststhefunctionwillalsobeattendedbyprominentmembersoftheDutchcommunityincludingAmbassadorPaulHaajerwhoisexpectedtomakeashortspeech.Whileticketstothefirstscreeningarestillavailabletheopeningceremonyisaninvitation-onlyevent. Whatisthisarticlemainlyabout
Parker&Hobbes POBox4399 BrisbaneAustralia October11th2010 LynetteGallagher ActonIndustry Level12FraserPlace DearMs.Gallagher ThankyouforcontactingParker&HobbesonOctober2toregisteryourinterestinourservices.MynameisJamalYeeandIwillbeyourpointofcontactatParker&Hobbes.Youcangetintouchwithmebyemailphoneorfax.Mycontactdetailsarerecordedatthebottomofthisletter. IwouldbedelightedtodevelopaccommodationssolutionsforyourcompanyintheCairnsareas.AsyouareprobablyawareourheadquartersisbasedinBrisbanebutwedocontactasubstantialamountofbusinessinCairnsandthesurroundingregion.ThereforeIamconfidentthatIcanarrangetodesignandbuildadequatehousingforyourworkplaceinthisarea.Pleaseallowmetoexplaintheprocedurefromhere. AsIunderstandfromtheinitialrequestyousentActonIndustryintendstobeginworkontheToowumbamine50kilometerssouthwestofCairnsinearly2012.WiththedeadlineinmindandpleaseletmeknowimmediatelyifthisinformationisincorrectIhopetosubmitdetailedplanofthehousingcomplexbyMarch2011foryourarrival.Assoonastheplanshavebeensettledtheconstructionprocessshouldtakearound6to8months. Ilookforwardtoworkingwithyoucloselyonthisexcitingproject. Regards JamalYee ProjectManager-Parker&Hobbes Email:j.yee@pandhcom Office:03-888-9077 Cell:012-908-907 Fax:03-888-9078 WhatsortofbusinessisParker&Hobbesinvolvedin
Thehotelmanagementtrainsallitsstaffmemberstodealwithguestinquires.
PoliceofficerscaughttheoutsideashoppingcenterontheafternoonofMarch14th.
PreferredCustomerCard ApplicationProcedure PleasecompletetheattachedformatleasttwoweekspriortoyournextvisittoTrinitySpa.AphotocopyofsomephotoidentificationmustbeincludedaswellasfullpaymentforadministrativefeesinordertoassurethefullbenefitsofthePreferredCustomerstatusasoutlinedinourinformationpackage.Pleasesendthecompletedformbyfax416538-2099totheattentionof"ThePreferredCustomerCardAdministrator"ortothefollowingaddress: "ThePreferredCustomerCardAdministrator" TrinitySpa1HazeltreeLaneTorontoON Pleaseallowtwoweeksforproperprocessing.IfyouhaveanyquestionsorcommentspleasesendanemailtoPCCA@trinityspa.org.WearelookingforwardtowelcomingyouasaPreferredCustomer. TrinitySpaPreferredCustomerCardApplicationForm PersonalInformation FirstName:Sally Surname:Hancock Pleasecheck:Mr.Mrs.√Miss.Ms.Dr.Other DateofBirth:October161976 MailingAddress:345UniversityStreetSuite305 TorontoOnCanadaM5M-3B9 PreferredServices: 1.Facialmassage 2.Aromatherapy 3.AcuChi Homephone:755-4900 BusinessPhone:243-2840. Fax.No.areacode:416-243-0400 E-mail:sally@pj.com CARDPICKUPMETHOD √Pickupatcustomerservicecenter Bymail SallyHancockMondaySeptember252006 SignatureofapplicantDate Whatinformationisnotrequestedintheform
Theattorney’stotheshippingcompanyistosuetheportauthoritiesforcausingalossofprofit.
Thelawprohibitshospitalsandmedicalpracticesfromdistributingapatient’sinformationtoanythirdparty.
NewVacationPolicy Allvacationdaysmustbetakenwithinthecalendaryearwithwrittenrequestssubmittedandapprovedbyyourdirectsupervisors: 1.Allnewemployeesareentitledto3weeks’paidvacationperyear. 2.Anyemployeeontheirprobationaryperiodwillnotbeincludedunderpolicyuntilhis/her3monthsisup. 3.Allvocationrequestsmustbemadeinwritingatleast2weeksinadvanceofyourrequesteddates.Thesewillbeapprovedatthediscretionofyoursupervisoraccordingtoyourdepartmentalworkloadrequirements. 4.Allvacationdaysmustbetakenwithinthecalendaryear.Otherwiseyouwilllosethem. 5.Onlyonepersonperindividualdepartmentmaybeawayonvacationforaperiodofaweekormoretoensuresufficientstaffingisavailableineachdepartment. 6.Employeeswillreceiveanextraweekofvacationtimeforevery5yearsofadditionalservice. 7.Amaximumoftwoweeks’vacationatonetimemaybetaken.Certainrequestsforlongerperiodofvacationmaybeconsideredforexceptionalcircumstances.Pleaseseeyoursupervisorifthisisapplicable. 8.Westronglyencourageallouremployeestospreadoutyourvacationdaysandenjoythemselves. VacationRequestMemo To:SallyBensonSupervisorHumanResources From:MaryBlack Date:January52007 Re:VacationRequestforJanuary25-February82007 Sally ThisisamemotogiveyouadvancenoticeofmyrequestformyupcomingvacationdaysofJanuary25-February8. AswritteninthevacationpolicyIamprovidingamplenoticeofmyrequesteddays.Sohopefulthese2weekswillbeokaytobeawayfromtheoffice.Weareplanningafamilyreunionwhichhadbeenplannedforthelastcoupleofyears. IknowthatIhavejustrecentlyjoinedthecompanyandnormallywouldneedtowaituntilmyprobationaryperiodisoverbeforetakinganyvacationdays.HoweverasyoumayrecallthisrequestforsomeadvancedayswasdiscussedandagreedtoinournegotiationmeetingsinlateNovember. Thankyouforyourunderstanding.Iwillmakesurethatmyworkiscoveredtoavoidanydisruptioninmyprojects. Mary WhatcanbeinferredaboutMaryfromthememo
OnbehalfoftheworkplaceissuescommitteeIwouldliketoremindyouallabouttheimportanceofenergyconservation.Byreducingourenergyusageintheofficewecannotonlysavethousandsofdollarsonelectricitybillsbutwecanalsohelptheenvironment.Moreoverbeingenergyefficientwillhelpboostourimageinthecommunity. Atlastmonth’smeetingoftheworkplaceissuescommitteewecameupwithalistofsimplemeasuresthatindividualemployeescantaketohelpconserveenergy.Pleasereadthefollowingideasandtrytoputthemintopractice! ...Switchoffyourcomputerandmonitorwhenyoutakeyourlunchbreak. ...Donotuseascreensaveronyourcomputer. ...Leavetheblindsopensothatartificiallightingcanbekepttoaminimum. ...Dressappropriatelyfortheconditionssoastoreduceusageofheatingandairconditioning. ...Takethestairsratherthantheelevatorwheneverpossible. Thelistisanexcellentstartbutitisfarfromexhaustive.Ifyouhaveanysuggestionstoaddpleasedoso.Whetheryouareaseniormanagerorajuniorofficeclerkyourinputisequallyvaluable!Youcanpostsuggestionsontheworkplaceissueswebpageonthecompanyintranet.Wewillthendiscussyoursuggestionsatnextmonth’smeetingoftheworkplaceissuescommittee. Kindregards BethanyWillets WhatisNOTasuggestionmadebythecommitteetoeachemployee
From:TomEvans To:Allattendees Subject:Conferenceprogram Dearattendees Thankyouverymuchfor21the3rdAnnualTradeMarketingConference.ThispromisestobeanexcitingandinformativeeventandIlookforwardtoseeingyouallthere. Oneofthehighlightsoftheconferencewillbethekeynoteaddressbyinternationally-renownedtrademarketingguruGusHobson.22hispresentationyouwillallhavetheopportunitytospeaktohimduringouropenQuestionandAnswerForum.Inadditiontherewillbeanumberofotherstimulatingtalks. I23afullcopyoftheprogramforyourinterestoutliningallsessiontimesandbreaks.Pleasetakethetimetolookoverthesedetailsassoonasyoucan. Regards TomEvans ConferenceManager 22
TheFormicaFamilyandCommunityClubareproudtobringyoutheannualFormicaSeasonofFun.BeginningonFebruary3andfinishingonFebruary23theSeasonofFunprovideslocalresidentswithafantastic27ofexcitingandeducationalevents. TheprogramincludesaTeddyBears’picnicatHoldenParkanAdventurePlaygroundChallengeatthesamevenuefreestreettheaterinthecentralcityandaCommunityFunrunthroughtheViraMarineReserve. 28ofthescheduledeventswillbeopentoall-comers.Howeverthoseinterestedintheplaygroundchallengewillneedtoregisterinadvancebecausespaceislimited.TofindoutmoreabouttheprogramforthisupcomingfestivalvisittheFormicaFamilyandCommunityClubwebsiteand29onthelinktotheFormicaSeasonofFun. Welookforwardtoseeingyouallthere. 28
PreferredCustomerCard ApplicationProcedure PleasecompletetheattachedformatleasttwoweekspriortoyournextvisittoTrinitySpa.AphotocopyofsomephotoidentificationmustbeincludedaswellasfullpaymentforadministrativefeesinordertoassurethefullbenefitsofthePreferredCustomerstatusasoutlinedinourinformationpackage.Pleasesendthecompletedformbyfax416538-2099totheattentionof"ThePreferredCustomerCardAdministrator"ortothefollowingaddress: "ThePreferredCustomerCardAdministrator" TrinitySpa1HazeltreeLaneTorontoON Pleaseallowtwoweeksforproperprocessing.IfyouhaveanyquestionsorcommentspleasesendanemailtoPCCA@trinityspa.org.WearelookingforwardtowelcomingyouasaPreferredCustomer. TrinitySpaPreferredCustomerCardApplicationForm PersonalInformation FirstName:Sally Surname:Hancock Pleasecheck:Mr.Mrs.√Miss.Ms.Dr.Other DateofBirth:October161976 MailingAddress:345UniversityStreetSuite305 TorontoOnCanadaM5M-3B9 PreferredServices: 1.Facialmassage 2.Aromatherapy 3.AcuChi Homephone:755-4900 BusinessPhone:243-2840. Fax.No.areacode:416-243-0400 E-mail:sally@pj.com CARDPICKUPMETHOD √Pickupatcustomerservicecenter Bymail SallyHancockMondaySeptember252006 SignatureofapplicantDate Whatisaskedtobesentwiththeapplicationform
ShowcaseforDutchFilm MuchtothedelightoflocalcinemabuffsDutchFilmWeekiscomingtoIthacanextweek.TheserieswillkickoffonFridaynightwithaviewingofTheovanSaar’sthrillersTheBadlands.ThismoviewonprizesforBestDirectorandBestOriginalScreenplayatthe2010InternationalFilmAwards.OtherfilmsthatwillscreenthroughouttheweekincludethecomedyKeepingLipwiththeVanDijk’sfromdirectorRuudiHuytandMarcoGulit’sfromtragedyTheNighttoEndAllNights. AllofthefilmswillscreenattheLudoTheateronJustinStreet.AcopyoftheprogramcanbedownloadedfromtheLudo’swebsiteoryoucanpickonefromoutsideitsticketoffice.Thosewishingtoattendscreeningsareadvisedtobookearlyasdemandforticketsisexpectedtobehigh. DutchFilmWeekwillnotonlyshowcaseauniquetypeofcinemaitwillalsocelebrateDutchartsandculture.AccordinglytheLudowillhostanopeningceremonytomarktheopeningofthisexcitingfestival.AswellaslocalfilmenthusiaststhefunctionwillalsobeattendedbyprominentmembersoftheDutchcommunityincludingAmbassadorPaulHaajerwhoisexpectedtomakeashortspeech.Whileticketstothefirstscreeningarestillavailabletheopeningceremonyisaninvitation-onlyevent. Whatismentionedassomethingreaderscanfindonline
thestart-upventureisriskyMr.Skinnerisstillwillingtoinvest$2millionofhisownmoneyinit.
Parker&Hobbes POBox4399 BrisbaneAustralia October11th2010 LynetteGallagher ActonIndustry Level12FraserPlace DearMs.Gallagher ThankyouforcontactingParker&HobbesonOctober2toregisteryourinterestinourservices.MynameisJamalYeeandIwillbeyourpointofcontactatParker&Hobbes.Youcangetintouchwithmebyemailphoneorfax.Mycontactdetailsarerecordedatthebottomofthisletter. IwouldbedelightedtodevelopaccommodationssolutionsforyourcompanyintheCairnsareas.AsyouareprobablyawareourheadquartersisbasedinBrisbanebutwedocontactasubstantialamountofbusinessinCairnsandthesurroundingregion.ThereforeIamconfidentthatIcanarrangetodesignandbuildadequatehousingforyourworkplaceinthisarea.Pleaseallowmetoexplaintheprocedurefromhere. AsIunderstandfromtheinitialrequestyousentActonIndustryintendstobeginworkontheToowumbamine50kilometerssouthwestofCairnsinearly2012.WiththedeadlineinmindandpleaseletmeknowimmediatelyifthisinformationisincorrectIhopetosubmitdetailedplanofthehousingcomplexbyMarch2011foryourarrival.Assoonastheplanshavebeensettledtheconstructionprocessshouldtakearound6to8months. Ilookforwardtoworkingwithyoucloselyonthisexcitingproject. Regards JamalYee ProjectManager-Parker&Hobbes Email:j.yee@pandhcom Office:03-888-9077 Cell:012-908-907 Fax:03-888-9078 WhymightMs.Gallagherreplyrightaway
TheConsumers’Institutewebsiteisnormallyaprimarysourceofinformationaboutnewproducts.
BusinessSolutionhasbeenvotedthebestfirminsmall-businessbankingattheRegionalBankingAwardsforthe5thtimeinarow.WhatisthesecrettooursuccessTheanswerliesinourresponsiveandprofessionalservice.Werealizethatentrepreneursareextremelybusy.andthattheyhavehighlyspecializedneedssowetailorourservicesaccordingly. BusinessSolutionalsooffersahighlyadvancedonlinebankingservice.Youcantransferfundsbetweenaccountsexchangeforeigncurrencyandapplyforemergencyloansallwiththeclickofafewbuttons. MoreovereveryfirmthatjoinsBusinessSolutionsgetsitsveryownSolutionsManager.SolutionsManagersnotonlygettoknowtheircustomerspersonallytheyalsodevelopanexcellentunderstandingoftheircustomers’businesssotheycangivefastandwell-consideredadviceonallbankingmatters.SolutionsManagersareavailableandatyourservice365daysayearsoyoucancallthemwhenit’sconvenientforyouandnottheotherwayaround. TryBusinessSolutionsforabankingservicethatcaterstotheneedsofyourbusiness! Forwhomisthisadvertisementmostlikelyintended
PropertyMarketDownturn Overthefirstquarterof24yeartherehasonlybeen$50millionofturnoverinthelocalrealestatemarket.Thiscomparesunfavorablewiththe$90millionrecordedatthesametimelastyear. BeverleyHauritzthechairoftheProfessionalRealtyAssociationtoldreportersthatshewasnotsurprisedbythefigureswhichshebelievesarearesultoftheglobalfinancialcrisis.25sheisanticipatinganevenbiggerdecreasenextquarterasinvestorslooktoreducespendingevenfurther. Althoughtherehasbeentalkamong26thatpropertypricesmaycontinuefallingthroughouttherestoftheyearMs.Hauritzremainsconfidentthatthepropertymarketwillbegintopickupagaininthefuture.Herpredictionisthatpriceswillreturntotheirpreviouslevelsbytheendoftheyear. 24
Everyproductonthemarkethasavarietyofcostsbuiltintoitbeforeitiseverputupforsaletoacustomer.Therearecostsofproductiontransportationstorageadvertisingandmore.Eachofthesecostsmustbringinsomeprofitateachstage:truckersmustprofitfromtransportingproductsortheywouldnotbeinbusiness.Thuscostsalsoincludeseverallayersofprofits.Thesellingpriceofaproductmusttakeallofthesecostsandbuiltinprofitsintoconsideration.Thesellingpriceitselfconsistsofamarkupoverthetotalofallcostsanditisnormallybasedonapercentageofthetotalcost.Themarkupmaybequitehigh90percentofcostoritmaybelow.Groceryitemsmasupermarketusuallyhavealowmarkupwhileminkcoatshaveaveryhighone.Highmarkupshoweverdonotinthemselvesguaranteebigprofits.Profitscomefromturnover.Ifanitemhasa50percentmarkupanddoesnotsellthereisnoprofit.Butifacerealhasan8percentmarkupandsellsverywelltherearereasonableprofits.Whilemostpricingisbasedoncostfactorstherearesomeexceptions.Prestigepricingmeanssettingpricesartificiallyhighinordertoattractselectclientele.Suchpricingattemptstosuggestthatthequalityorstyleoftheproductisexceptionalorthattheitemcannotbefoundelsewhere.Storescanuseprestigepricingtoattractwealthyshoppers.Leaderpricingandbaitpricingaretheoppositesofprestigepricing.Leaderpricingmeanssettinglowpricesoncertainitemstogetpeopletocomeintothestores.Theproductssopricedarecalledlossleadersbecauselittleornoprofitcanbemadeonthem.Theprofitsaremadefromotherproductspeoplebuywhileinthestore.Baitpricingnowgenerallyconsideredillegalmeanssettingartificiallylowpricestoattractcustomers.Thestorehoweverhasnointentionofsellinggoodsatthebaitprices.Thepointistogetpeopleintothestoreandpersuadethemoftheinferiorityofthelowpriceditem.Thenahigherpriceditemispresentedasabetteralternative.Acommonretailtacticisoddpricedproducts.Forsomeproductsof$300thestorewillsetthepriceat$295or$299.95togivetheappearanceofalowerprice.Automobilesandotherhighpricedproductsareusuallypricedinthismanner.Forsomereason$7995hasmoreappealtoapotentialcarcustomerthan$8000.Bidpricingisaspecialkindofpricesetting.Itisoftenusedintheawardingofgovernmentcontracts.Severalcompaniesareaskedtosubmitbidsonajobandnormallythelowestbidderwins.Aschoolsystemmaywanttobuyalargenumberofcomputers.Severalcompaniesareaskedtosubmitpricesandtheschooldistrictwilldecideonthebestbidbasedaswellonconsiderationsofqualityandservice.Thesecondparagraphmostprobablyimplies______.
Severalimportantdiplomatsweretheguestsattendingthepresident’s50thbirthdaycelebrationsathishomeinBolivia.
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