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Vendor Name : CIW
Exam Code : 1D0-610
Exam Name : CIW Web Foundations Associate
Questions and Answers : 172 Q & A
Updated On : June 18, 2018
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CIW Web Foundations Associate

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NAPSLO and AAMGA supply really expert working towards to individuals | killexams.com real questions with brain dumps

knowledgeable schooling and competence are simple to the profession of any person in the insurance business, however perhaps much more so as to commonplace agents, wholesalers and surplus-lines brokers. To deliver the specialized working towards mandatory to navigate the E&S marketplace, and to recognize those most effective qualified to accomplish that, two agencies have created skilled designation courses specifically for this segment. Kurt C. Bingeman, CPCU, ASLI, RPLU, CIW, director of the Derek Hughes/NAPSLO tutorial groundwork Inc., and Bernd G. "Bernie" Heinze, Esq., government director of the American association of Managing generic agents, described the programs, discussed contemporary adjustments to them and defined the merits to people who take part in them.

Kurt Bingeman: The assurance Institute of the usa presents the affiliate in Surplus traces (ASLI) designation, which changed into created with the support of the Derek Hughes/NAPSLO tutorial basis Inc. To earn the ASLI, candidates ought to complete a total of four courses--two that center of attention completely on surplus strains and two from an authorized list of electives--then move corresponding national tests. They may prepare for an examination with the aid of attending a category, participating in a analyze community or gaining knowledge of independently.

The software, launched in 1995, changed into lately up to date. Two new classes, ASLI 163-Surplus lines assurance Operations and ASLI 164-Surplus strains assurance items, exchange ASLI 161 and ASLI 162, the usual core lessons. ASLI 163 is a finished overview of surplus-lines operations that covers many of the topics in the past protected in ASLI 161 and 162. ASLI 164 addresses product-related themes and is designed specifically for people working in surplus traces. in its place of taking optional lessons from each of two categories, as in the past, students now will select two electives from a single checklist of classes covering such subject matters as claims, underwriting, chance management, reinsurance and finance. any individual who holds the Registered professional liability Underwriter (RPLU) or Chartered Property Casualty Underwriter (CPCU) designation can skip the non-obligatory lessons and earn the ALSI designation by passing most effective the ASLI 163 and 164 checks.

study substances for the brand new core courses can be accessible q4, and the Institutes will start administering assessments masking the new cloth within the January 15 to March 15 trying out window. college students who have already begun the program may also need to finish it by means of the end of this 12 months. folks that plan to delivery the new program can achieve this early next 12 months.

although the ASLI application is supposed for commonplace agents and wholesalers, it also can have super cost for retail producers, and i suppose educators and legislators would improvement from it, too. It gives a great overview of the excess-lines industry and an knowing of how it works. Many brokers evade excess-and-surplus-lines products as a result of they don't take note them and are afraid to use them, which is unfortunate both for those brokers and for his or her consumers. An insured may wish coverages that are available most effective within the E&S marketplace, in order that client may also no longer be appropriately covered or can also go to an extra agent to get the coverage, which opens the door for the 2d agent to take the rest of the client's business from the incumbent agent.

My agency strongly encourages continuing schooling. We pay for employees' textbooks and examination prices and offer incentive-primarily based compensation. everybody has a person construction plan, and we predict any one working with E&S debts to earn the ASLI designation. once they do, we provide them $500 bonuses and enhance their compensation percentages.

To study more concerning the ASLI software, call the Institutes at (800) 644-2101 or go to www.napslo.org, click on "basis" on the home page, then opt for "ASLI" from the menu on the left side of the page.

Bernie Heinze: AAMGA offers its contributors a big selection of technical and private construction classes, as well as three knowledgeable designations.

The certified Wholesale assurance expert (CWIS) designation is appropriate for all AAMGA's individuals. To qualify, a candidate must comprehensive 120 hours of coursework in a considerable number of tutorial programs, together with some specific to surplus-lines and wholesale insurance, and write a assignment paper. To preserve the designation, knowledgeable must complete as a minimum 32 hours of wholesale-assurance-specific practising each two years.

The certified coverage Wholesaler (CIW) designation become created for agency principals and their employees. It requires the identical schooling and requalification criteria as does the CWIS.

An agency can earn the licensed Managing universal company (CMGA) designation if each of its personnel completes as a minimum eight hours of continuing training each year. The agency then have to requalify each 12 months.

AAMGA conducts 45 to 50 classes every 12 months, together with seminars and stand-by myself periods. a complete of 5,570 college students from 744 agencies, brokerages, insurance and reinsurance corporations, law firms, TPAs and different coverage entities attended AAMGA courses in 2005. This year we launched an expert development center to also offer non-technical classes that teach assurance ethics and different "tender expertise" a must-have to insurance specialists. via attending, college students can find out how to negotiate; examine, write and understand a marketing strategy; prepare and analyze fiscal experiences; and create PowerPoint displays.

At our institution Weekend this month, we are able to offer 24 courses on topics starting from the impact of world warming and local weather change to cyber liability and identify theft. we've also scheduled a panel dialogue on the brand new science of underwriting, a claims-and-litigation-management day, and an interactive expertise undertaking during which particulars about a hypothetical loss are progressively published, and audience members press buttons to investigate no matter if the events settle the case or it goes to trial. New this year is the Lloyd's and London Markets coverage look at various, or LLMIT. completing both-and-a-half-day session and passing the corresponding verify will assist contributors enhanced take note the London market, distinguish themselves from others transacting company there, and develop into better enterprise partners to their colleagues, brokers and underwriters at Lloyd's.

All our carrying on with schooling offerings, from two-hour courses to multiday seminars, can be taught onsite. we will ship an teacher to students' place of work to train a class of essentially any size--and infrequently the can charge is below the business enterprise would pay to send only one person to offsite training.

extra tips about AAMGA designations, our school Weekend and onsite practising is purchasable on our web web page (www.aamga.org).

President John F. Kennedy once spoke of, "A rising tide lifts all boats." Likewise, we consider that enhancing the tutorial and skilled expertise of AAMGA members will advantage the entire industry. individuals who are an expert ask more suitable questions, get greater answers and write superior risks.


Ahold CEO Dick Boer addresses Annual widely wide-spread meeting 2016 | killexams.com real questions with brain dumps

CIW) Fair Food Program, dedicated to delivering responsibly sourced tomatoes and improving the lives of farm workers in the U.S. &nbsp; And very importantly, our people. Mr. Albert Heijn was already aware decades ago that associates were the company`s true capital. And this is still the case. In 2015, we had 236,000 associates. It is their daily interactions with our customers, their entrepreneurship and creativity that makes us successful. We want to offer them a working environment that encourages initiative and where they can continue to build a future with Ahold or in the next phases of their career, with competitive remuneration and other benefits. We are proud that so many people are able to take the first steps on their career paths in our stores. &nbsp; We are forging ahead as a Responsible Retailer. As we are about to merge, we will present our joint plans and ambitions as Ahold Delhaize in the fourth quarter. Both companies were included in the Dow Jones Sustainability Index in 2015 - for Ahold it was the seventh straight time - a clear recognition of our efforts in this field.&nbsp; &nbsp; I am convinced that collaboration in the industry is also essential if we are to have real impact, for example, in the Consumer Goods Forum, of which both Ahold and Delhaize are members, along with around 400 retailers, producers and other stakeholders globally. &nbsp; And now it is time for a few words about the recent past, 2015. Our CFO, Jeff Carr, will shortly be talking about our financial performance in more depth, so I will just mention a couple of highlights. &nbsp; We can look back on a strong year in which we have challenged ourselves to innovate more quickly, to find new ways of offering our customers fresher products and to create more value. We reported sales of just over €38 billion driven by strong performances in our stores, particularly during the holidays in December, and very strong growth in online sales. And, of course, also helped by the U.S. dollar. &nbsp; In the U.S., sales, excluding gasoline sales, grew by more than 4%, adjusted for an additional week in 2015. We saw an improvement in price perception across our brands.&nbsp; &nbsp; This is an important driver of sales and a key goal of our local strategy, which is aimed at investments in price and quality. As part of this program, we have rolled out improved fruit and vegetable departments in more than 500 stores. And we are now tackling the bakery departments. Earlier this month we announced a next round of price decreases, on about 1,000 products in our stores. &nbsp; We tested a new format, named bfresh: smaller stores aimed at city customers with a focus on fresh food and local convenience. We also added 25 former A&amp;P stores in the interesting New York Metro market area. &nbsp; In the Netherlands, sales momentum remained strong, with a 3.2% increase in identical sales. The recovery at Albert Heijn continued, after a couple more difficult years. We re-invented ourselves as a market leader that knows how to touch customers` hearts and minds - and that makes me very proud. It is a compliment to the Albert Heijn team and all associates.&nbsp; &nbsp; They launched new products, inspired our customers and introduced popular savings and collectibles campaigns. As an example, over the past few weeks, we have distributed more than 47 million "grow-your-own garden" kits here in the Netherlands, which I`m sure won`t have escaped your attention. They help tell customers the stories behind the products they buy.&nbsp; &nbsp; Or look at the Albert Heijn to go team, who can develop an idea into a product on the shelves in just a month. Very importantly, customers showed their appreciation. Albert Heijn`s market share grew to 35% in the past year. &nbsp; In the Czech Republic, we now have more than 330 stores, including the SPAR stores we acquired last year. Most of these are supermarkets and they reported strong identical sales growth thanks to a new store concept we rolled out. &nbsp; I have already talked about our strong growth in online. Our investments over the past couple of years paid off, with online consumer sales of €1.8 billion. Bol.com accounted for half this figure, following an excellent, record-breaking holiday period. At a peak moment right before Christmas, they received 11 orders every second. Peapod and AH.nl were also leaders in online food. &nbsp; Our free cash flow remained strong at €1.2 billion this year. This enables us to continue to invest. Today, we are proposing a dividend of 52 cents, more than 8% higher than last year. And, as approved last month, we will return about €1 billion in capital to you, Ahold`s shareholders, prior to the completion of the proposed merger with Delhaize &nbsp; On our way forward, we have brought together a portfolio of strong, local brands on which we continue to build. A lot happened in this area in 2015. Etos and Gall &amp; Gall here in the Netherlands launched new logos, with a strong link to core values in their past. The Albert brand in the Czech Republic, considerably bigger thanks to the acquisition of the SPAR stores last year, was also repositioned.&nbsp; &nbsp; Our U.S. stores are running the tagline "My Giant helps me save money, save time, and eat well" - or "My Stop &amp; Shop," or "My Martin`s" of course. This helps them to communicate more clearly to the customer what they stand for.&nbsp; &nbsp; And, as you may have already seen online or in the media, Albert Heijn has also launched a new campaign that harks back to the mottos and key drivers of its founders: Authenticity, innovation, what matters, commitment. It started out as an internal movement, shared with associates in the stores, in the distribution centers and in the office. And it is now finding its way to the outside world. &nbsp; In 1911, Albert Heijn launched the first own-brand products, next to other brands, of course, as the customer always wants a balance. In the Netherlands, more than half the products we sell are now own brand. In the United States, this figure is 38% and in the Czech Republic it is one-third. I`m proud of these figures as this too, is a strategic choice within our Reshaping Retail framework.&nbsp; &nbsp; Before I finish, I would like to make a confession that touches upon this. During my career, I have worked in several countries so my family has lived in different places. In all these places we had one constant factor, which was our favorite chocolate spread, and that was from the own brand of . Delhaize.&nbsp; &nbsp; Of course there is a reason why I am making this personal confession. Delhaize`s experience with its own brand in various countries is one of the areas in which we can learn from our future merger partner. &nbsp; We, on the other hand, bring in our expertise with regard to omni-channel. And together we will be stronger with our shared vision on corporate social responsibility. &nbsp; One month ago, you gave us the go-ahead to merge with Delhaize. So, I no longer need to convince you of the reasons behind this transaction. Still, I would like to emphasize once more the opportunities we see to further build our strong, local brands together. What is right for the customer is also right for the new business. &nbsp; Since the Extraordinary General Meeting, we have received approval from the Belgian Competition Authority. With that, the antitrust reviews in Europe are complete. The review by the Federal Trade Commission in the U.S. is still underway. I cannot comment on that further but what I can say is that we are on track to finalize the merger in mid-2016 and kick off with the new company. &nbsp; At next year`s meeting, I hope to be able to talk about the results of our first trading period as Ahold Delhaize. A new milestone. In 2017, Delhaize will be celebrating its 150th anniversary, and Ahold, its 130th. This will be the next step on our shared journey forward, on which we will become an even stronger international retailer, driven by great brands. &nbsp; I would like to end with a few words of thanks. To our customers, who come to us for their daily groceries and inspire us to continue improving. To our associates, and our franchisers. And of course, I would like to thank you, our shareholders, for your support and your confidence in the future of Ahold, and Ahold Delhaize. &nbsp; &nbsp; 2016/11 <a href="http://hugin.info/130711/R/2004785/740331.pdf" rel="nofollow noopener" target="_blank">160419_AGM2016_PR_ speech_ENG</a><br><br>" data-reactid="11">  Zaandam, the Netherlands - Ahold`s Annual commonplace assembly of Shareholders on April 19, 2016, blanketed a speech via Ahold Chief government Officer Dick Boer. Following is the total textual content of the speech.   once once again, a extremely warm welcome here in Amsterdam for the 2nd time this 12 months. At nowadays`s particular assembly, which looks like it should be the ultimate earlier than Ahold merges with Delhaize, i want to tell you a narrative about this high-quality business and look back on our journey forward.   In 129 years, Ahold has grown from a family enterprise with only one grocery store in the Dutch town of Oostzaan, to a number one retailer that serves hundreds of thousands of valued clientele each day with more than 3,200 shops and, of path, our online agencies.    I don`t find out about you, but the images you're seeing here in the Muziekgebouw nowadays bring back a lot of memories for me. I have been with Ahold given that 1998 and within the grocery enterprise for 35 years already.  I begun in the eighties, correct across the time when Albert Heijn added its slogan, "The nation`s greatest grocer will beginning observing its pennies." in all probability you still remember this. Albert Heijn decreased costs on a large variety of items. This was first rate for the client, however i can inform you that it made times tough for competitors.   "what is right for the client is additionally appropriate for the enterprise." correct as much as today, this has been the driving force at the back of our powerful, local manufacturers. remaining month, bol.com, part of Ahold when you consider that 2012, gained an incredible prize for being the best web keep in the Netherlands. here's a quote from the jury file: "Bol.com deserves this prize because it bases its decisions on what consumers discover most essential rather than what happens to be `cool` in the industry."    i am proud of that. This focal point on the customer is the normal thread that runs through our historical past and that connects all our brands.   Pioneering, responding to what is going on in society, as well as looking forward to and bringing about change in the grocery store sector. this is also a typical thread operating via our background. The Heijns, along with the founders of our different brands, had been retail pioneers. Take the founders of significant Landover in the united states, who opened the first mass-merchandised grocery store in 1936. Skeptics talked about that "supermarkets" would on no account seize on, but they have been wrong. in a while, Mr. Albert Heijn turned into inspired by using the giant retailers he noticed on a trip to the us. If he had no longer determined to invest in the supermarket formula then, and open the first self-carrier save in 1952, our grocery store landscape and our company would look very distinct now.   I should additionally mention 1981, when Albert Heijn all started to roll out the franchise formula. This business realized the value of having a superb stability between enterprise-owned outlets and local entrepreneurship. That still applies today, and we're very pleased with all these prompted entrepreneurs.    trade is in our DNA, and that has also brought us a great deal with reference to online. AH.nl, with the aid of a ways the biggest on-line supermarket in the Netherlands, traces its roots again to 1987, when Ahold operated the home browsing service James TeleSuper. in the late eighties, Peapod within the u.s. - a part of Ahold in view that 2001 - was the primary e-commerce-best enterprise on the planet. And when you consider that its launch as an internet book shop in 1999, bol.com has grown into the greatest on-line branch keep in the Netherlands and Belgium.   on the time once I took the helm as CEO of Ahold, we had not definitely utilized the main positions of AH.nl and Peapod ample. the idea turned into that purchasers desired the physical shop on-line. however my crew and i saw massive alternatives for this slumbering splendor in our neighborhood. In 2011, once we presented our Reshaping Retail approach with omni-channel as a key point, it truly received its location in our organization and picked up steam. In 2012, bol.com joined the community, which become a crucial step. They did not believe in terms of the barriers of actual retail outlets, however in terms of the endless percentages of online. They in reality infused Ahold`s DNA with on-line.   Two years later, in 2014, we offered our omni-channel ambitions to the market. we're neatly not off course to attaining our goal of €2.5 billion in online buyer revenue in 2017. In 2015, we had been at €1.eight billion.   on the time, we said that we would invest to achieve this growth, according to the conviction that digitization is altering our trade irreversibly.    You have to totally decide to be successful - you ought to be the first mover and be able to scale up straight away. Bol.com is a superb instance of this, with earnings growth of greater than 25% in 2015. This 12 months, their consumer sales are not off course to exceed €1 billion, due to investments in areas reminiscent of product range, product information and birth alternate options. here's very nearly thrice as a good deal as in 2012.    Ah.nl at present has a service area of 86% of the Netherlands for domestic beginning. Or Peapod: though it isn't becoming as quick as bol.com, it managed to grow new shoppers and earnings with the aid of 45% in the fourth quarter in the long island area, a key increase market.    I instructed you about our outlets: brick-and-mortar and on-line. however the listed company, Ahold, additionally has a background worth citing. In 1948, Albert Heijn become the first retailer listed on the Amsterdam stock alternate. In 1973, Ahold N.V. became based and Albert Heijn grew to be a part of the keeping, which was able to extend abroad. In 1987, when Albert Heijn celebrated its 100th anniversary, Ahold got the predicate "Royal." we are very proud that Ahold Delhaize will additionally use the predicate after the meant merger.   we are searching returned at our event ahead. And let me be clear, we now have also had some challenging instances alongside the manner. I don`t deserve to remind you, our commonly longstanding shareholders, of that. After a duration of very swift international growth, we have been dealt a hard blow in 2003. i'll personally never neglect the shock wave that hit us lower back then. what is going to also reside with me is how we, as a crew, put our shoulders to the wheel to put the enterprise returned on track, along with our pals and suppliers. Ahold sold many business units and we reinvented ourselves as a focused company with leading positions in our markets.    i used to be CEO of Albert Heijn at that time. inspired by using conversations I had with Mr. Albert Heijn after i was appointed, my team and that i developed the slogan that helped put the Albert Heijn company on the highway to restoration after 2003: "time-honored items low-priced and particular products available." We went again to a clear focal point on the client. because what's correct for the client is also correct for the business. i discussed this motto already. it is mirrored in our codecs, in our product latitude and in how we do business. we're seeing a shift in what our clients want. They are looking to be able to shop how, when and where they desire. they're annoying improved first-rate, more cost for cash. They desire responsibly sourced and match meals. They are looking to know where the items come from. And affordability is vital - really, they desire all of it.   Ahold is invariably taking steps in this area, too. As a large corporation, as a producer and a consumer, as a neighbor and as a place where people come to do their every day grocery shopping, we see a role for ourselves in tackling a few the predominant challenges in society, together with health, food security, range, liable consumption and creation, etc.   In 2011, we certainly set out a number of ambitions in our liable Retailing approach. final month, in our liable Retailing report, we showed that we had finished most of the desires we had set ourselves in 5 years.    Let me mention just a pair:   healthier products make up an expanding element of our earnings. we've finished this, among others, by using cutting back the expense of fruit and vegetables, by means of changing product method and by offering more and more option, but additionally by using making it more convenient for customers to discover and have in mind the in shape alternate options we offer.   Let me take this opportunity to focus on our a success organic manufacturers, too. Albert Heijn was some of the first supermarkets in the Netherlands to launch a line of personal-company biological items in 1998 and now's the supermarket with the most organic items within the Netherlands. within the U.S., we added our Nature`s Promise brand in 2004, with tremendous success, and a growing to be assortment -- with more than 800 items currently, together with meals but additionally non-meals gadgets such as detergents.   We need to be a stronger neighbor, and a lot of of our efforts are geared toward infants (notwithstanding - as you be aware of - we certainly not overlook concerning the elderly). virtually 1000000 babies took half in our tutorial courses on suit residing, such as the Passport to foodstuff application in the U.S. and the "Ik eet het beter"` application in the Netherlands.   We additionally made crucial progress in the box of sourcing. We analyze the supply chain, from farmer to customer, and always take steps to make certain meals safety, sustainable production and decent working situations.    we now have established deep and long-standing relationships with a lot of our suppliers of clean items, whom we agree with our partners. we now have been working with some of them for more than 50 years. See, for instance, Albert Heijn`s cucumber farmer in the subsequent video clip.   In 2007, the Albert Heijn foundation become established - a partnership of Albert Heijn, ICCO and reasonable healthy aid to enrich the situations and future potentialities of African vegetable, fruit and flower farm worker's.   And one last illustration: i'm very comfortable to record at this meeting that Ahold united states of america has joined the Coalition of Immokalee employees` (CIW) reasonable meals application, dedicated to providing responsibly sourced tomatoes and improving the lives of farm workers in the U.S.   and extremely importantly, our individuals. Mr. Albert Heijn turned into already aware decades in the past that pals have been the enterprise`s actual capital. And this is still the case. In 2015, we had 236,000 associates. it is their day by day interactions with our consumers, their entrepreneurship and creativity that makes us successful. We want to offer them a working environment that encourages initiative and the place they could proceed to build a future with Ahold or within the subsequent phases of their career, with aggressive remuneration and different advantages. we are proud that so many people are able to take the first steps on their profession paths in our shops.   we're forging ahead as a responsible Retailer. As we are about to merge, we are able to current our joint plans and ambitions as Ahold Delhaize in the fourth quarter. both organizations have been blanketed in the Dow Jones Sustainability Index in 2015 - for Ahold it changed into the seventh straight time - a clear awareness of our efforts in this box.    i am convinced that collaboration in the trade is also basic if we are to have real impact, for instance, in the customer goods forum, of which each Ahold and Delhaize are participants, along with round 400 sellers, producers and other stakeholders globally.   And now it is time for just a few phrases about the recent previous, 2015. Our CFO, Jeff Carr, will shortly be talking about our economic efficiency in additional depth, so i will just mention a couple of highlights.   we will seem to be lower back on a robust year during which we've challenged ourselves to innovate extra rapidly, to find new methods of providing our purchasers fresher items and to create extra price. We pronounced revenue of just over €38 billion pushed by using mighty performances in our outlets, mainly all the way through the vacations in December, and extremely powerful boom in on-line revenue. And, of path, also helped with the aid of the U.S. dollar.   in the U.S., sales, with the exception of fuel income, grew by way of more than four%, adjusted for an extra week in 2015. We saw an development in cost belief throughout our brands.    here is a crucial driver of revenue and a key intention of our native strategy, which is aimed at investments in price and best. As a part of this application, we now have rolled out greater fruit and vegetable departments in more than 500 retailers. And we are actually tackling the bakery departments. prior this month we announced a subsequent circular of rate decreases, on about 1,000 items in our outlets.   We proven a brand new layout, named bfresh: smaller outlets aimed at city valued clientele with a focus on clean meals and local comfort. We additionally brought 25 former A&P stores in the wonderful big apple Metro market area.   within the Netherlands, revenue momentum remained mighty, with a 3.2% enhance in identical revenue. The healing at Albert Heijn persisted, after a pair extra difficult years. We re-invented ourselves as a market leader that knows how to contact customers` hearts and minds - and that makes me very proud. it's a compliment to the Albert Heijn group and all buddies.    They launched new products, impressed our purchasers and delivered accepted discount rates and collectibles campaigns. for example, over the past few weeks, we now have allotted more than 47 million "grow-your-own backyard" kits here in the Netherlands, which I`m certain gained`t have escaped your attention. They assist tell valued clientele the reports at the back of the products they buy.    Or seem to be on the Albert Heijn to go group, who can boost an idea right into a product on the cabinets in barely a month. Very importantly, valued clientele confirmed their appreciation. Albert Heijn`s market share grew to 35% during the past yr.   within the Czech Republic, we now have greater than 330 stores, together with the SPAR shops we bought ultimate year. almost all these are supermarkets and that they said robust similar earnings boom due to a brand new shop conception we rolled out.   I even have already observed our effective increase in on-line. Our investments over the past couple of years paid off, with online customer revenue of €1.eight billion. Bol.com accounted for half this figure, following a brilliant, listing-breaking holiday period. At a top second right earlier than Christmas, they bought eleven orders each second. Peapod and AH.nl were additionally leaders in online food.   Our free money circulate remained robust at €1.2 billion this year. This permits us to continue to invest. nowadays, we are proposing a dividend of fifty two cents, greater than eight% higher than last 12 months. And, as accepted closing month, we can return about €1 billion in capital to you, Ahold`s shareholders, in advance of the completion of the proposed merger with Delhaize   On our manner ahead, we've brought collectively a portfolio of sturdy, native manufacturers on which we proceed to build. a great deal took place in this enviornment in 2015. Etos and Gall & Gall right here in the Netherlands launched new logos, with a powerful hyperlink to core values of their previous. The Albert brand in the Czech Republic, significantly bigger due to the acquisition of the SPAR shops remaining 12 months, turned into additionally repositioned.    Our U.S. retailers are running the tagline "My significant helps me store funds, save time, and devour well" - or "My cease & store," or "My Martin`s" of path. This helps them to talk extra naturally to the consumer what they stand for.    And, as you can also have already considered on-line or in the media, Albert Heijn has additionally launched a brand new crusade that harks back to the mottos and key drivers of its founders: Authenticity, innovation, what concerns, commitment. It all started out as an inner flow, shared with buddies available for purchase, in the distribution facilities and in the workplace. And it is now finding its strategy to the outdoor world.   In 1911, Albert Heijn launched the primary own-brand items, subsequent to other brands, of direction, because the consumer at all times needs a stability. in the Netherlands, greater than half the products we promote at the moment are personal company. in the united states, this figure is 38% and in the Czech Republic it is one-third. I`m proud of these figures as this too, is a strategic choice within our Reshaping Retail framework.    earlier than I finish, i need to make a confession that touches upon this. during my career, I actually have worked in a few countries so my family has lived in distinctive areas. In all these areas we had one regular element, which was our favorite chocolate spread, and that become from the own manufacturer of . Delhaize.    Of route there's a reason why i am making this personal confession. Delhaize`s journey with its own brand in a considerable number of international locations is likely one of the areas in which we can study from our future merger associate.   We, nevertheless, usher in our talents with reference to omni-channel. And collectively we could be more advantageous with our shared imaginative and prescient on company social accountability.   One month in the past, you gave us the go-ahead to merge with Delhaize. So, I now not deserve to persuade you of the motives behind this transaction. nonetheless, i need to emphasize all over again the opportunities we see to further build our potent, native manufacturers together. what's right for the client is also right for the brand new business.   due to the fact the miraculous standard meeting, we now have bought approval from the Belgian competitors Authority. With that, the antitrust reports in Europe are finished. The assessment by using the Federal trade commission within the U.S. is still underway. I cannot comment on that extra but what i will be able to say is that we are heading in the right direction to finalize the merger in mid-2016 and kick off with the new business.   At subsequent yr`s meeting, i'm hoping to be capable of talk about the effects of our first buying and selling period as Ahold Delhaize. a new milestone. In 2017, Delhaize should be celebrating its one hundred and fiftieth anniversary, and Ahold, its one hundred and thirtieth. This will be the subsequent step on our shared experience forward, on which we are able to develop into a good superior overseas retailer, driven by using terrific manufacturers.   i need to conclusion with a few words of thanks. To our consumers, who come to us for his or her every day groceries and encourage us to proceed enhancing. To our acquaintances, and our franchisers. and naturally, i need to thanks, our shareholders, on your support and your self belief in the future of Ahold, and Ahold Delhaize.     2016/eleven 160419_AGM2016_PR_ speech_ENG

This announcement is allotted through NASDAQ OMX company options on behalf of NASDAQ OMX corporate options shoppers.

The issuer of this announcement warrants that they are fully responsible for the content, accuracy and originality of the information contained therein.source: Ahold by way of GlobeNewswireHUG#2004785


fast for fair meals: Farmworkers quickly so "Our children may not have to" | killexams.com real questions with brain dumps

The choice to speedy is both an evocation of the historical past of farmworker activism and a moral choice, made to highlight the poverty the workers face.

picture credit: Coalition of Immokalee employees

In a sunlit box in Lakeland, Florida, outdoor the headquarters of Publix Supermarkets, a bunch of round 100 and fifty clergymembers, farmworkers in blue T-shirts, and neighborhood participants have been protecting vigil because Monday, March 5. And about sixty of them have not eaten given that then.

The quick for reasonable food is part of a campaign by the Coalition of Immokalee worker's, one of the nation's most inventive labor-rights businesses, to get Publix to be part of the CIW's reasonable meals program, guaranteeing more advantageous circumstances and pay for the hundreds of people who decide upon the tomatoes offered in the grocery chain's more than 1,000 retailers throughout the South.

Publix prides itself on being an “worker-owned” enterprise, which its web page explains potential that “Publix pals – as a bunch – own greater shares of stock than anybody stockholder – forty nine% to be accurate.” it be number 102 on Fortune's 500 greatest American corporations, last yr it raked in over $1.three billion in gains, and changed into ranked number 78 on the checklist of “greatest agencies to work for.” Yet for three years it has balked at providing a penny extra per pound of tomatoes picked for the workers who spend 10-hour days within the Florida sun, or complying with the Code of behavior that might be certain situations on the farms—nonetheless grueling, even with their new protections—don't include pressured or baby labor, or sexual harassment.

sparkling from a victory of their crusade to get trader Joe's to sign in for the fair meals software, CIW and its interfaith allies took a web page from legendary organizer Cesar Chavez, founding father of the United Farm people, and determined to undertake a quick outdoor of Publix's headquarters, calling for the company—which prides itself on its Christian values--to acknowledge its moral duty to the employees whose labor enables it to earnings.

day by day so far, Publix employees have pushed previous the fasters, who from time to time sit on the red buckets that they fill with tomatoes in the fields. no one has yet stopped to communicate with them, let alone point out that the enterprise might relent. however daily a number of extra of them wave, or honk their horns in help. daily just a few greater of them renowned the indications that say “you are Human, So am I.”

Fasting for Justice

The signs the fasters carry, the banner below which they hang the vigil, declare, “We go hungry today so our babies won't should the next day.” it's a poignant reminder of the actual fight of the staff, who even with the CIW's reasonable meals software, nevertheless make poverty wages and have little job protection.

“the entire cars that flow with the aid of, they provide us loads of motivation after they wave at us and honk,” Eduardo Saustino Galindo, a farmworker who has been part of the crusade for reasonable meals seeing that 2005, told AlterNet through a translator.

The choice to quick is each an evocation of the historical past of farmworker activism and an ethical option, made to spotlight the poverty the workers face and the incontrovertible fact that they are answerable for inserting food on the tables of tens of millions—devoid of these people, individuals would now not devour. additionally, Galindo referred to, “Our quickly corresponds to the Lenten season,” as many of the employees are Catholic. “or not it's actual that we're hungry but because of the cause, as a result of we're attempting to get the public to hear, we've a lot of energy,” he persevered.

they've the assist of a broad coalition of religious leaders, many of whom are additionally fasting in team spirit with the employees. Ethel Kennedy, widow of Robert F. Kennedy, as well as their daughter Kerry, will meet with the staff on Saturday, March 10, to symbolically break their speedy—just as RFK, then a candidate for President, did with Cesar Chavez in 1968.

Many participants of the interfaith group had been blogging their experiences, achieving out to their respective traditions and explaining why they chose to quickly. Rev. Noelle Damico, a member of the Presbyterian hunger software from White Plains, new york, wrote Monday: 

“it is scorching. Searing sizzling. There isn’t somewhat ample coloration for all of the fasters so a further tent is being erected. Even fundamental projects turn into alternatives for community. Laughter, string, where to stake? Which manner will the wind blow? a good query in additional ways than one…”

CIW has additionally undertaken an innovative social media crusade, posting photos, movies, and commonplace updates under the hashtag #fairfoodfast on Twitter, and maintaining a Wednesday afternoon Twitter chat with Rev. Michael Livingston, former president of the countrywide Council of church buildings and latest director of the NCC's Poverty Initiative, Gerardo Reyes of the CIW, and Rev. Damico (study the entire dialog on Storify). online petitions at Presente.org and the national Council of churches also support increase the attain of the campaign. despite working in nineteenth-century circumstances, the workers of the Coalition were in a position to amplify their protests via an effective web presence. 

The coalition is ordinary for its inventive moves, dramatizing the refusal of tremendous, ecocnomic organisations to talk to the staff. these days, three of the farmworkers provided to ride bicycles from Immokalee, where they work in the tomato fields, to Publix headquarters in Lakeland to prolong the CEO, Ed Crenshaw, a personal invitation to come back see their working situations himself. while Crenshaw and the higher-united states of america Publix proceed to keep away from dealing with the staff, they are getting expanding support from Publix employees—who, as stockholders within the company, may be capable of assist the farmworkers get their message across.

“We're hoping that Publix will comply with meet with us, that God might also soften the executives' hearts,” Galindo pointed out.

Making meals fair

during the day, the individuals within the fast for reasonable food were retaining workshops on social justice, sharing their collective knowledge. They've heard from a small farmer, from participants of Iraq Veterans against the struggle, and from contributors of clergy from a number of faiths, discussing the message of social justice woven through all of their respective scriptures. Their protest is rarely unlike a small Occupy encampment, claiming space and visibility while working together to create a vision of a gadget that works for all.

but, of course, the CIW has a really definite request to make of Publix: they need the supermarket large, which is Florida's greatest agency, to join the reasonable food program. “Their refusal to take part anchors the resistance of the supermarket trade as an entire,” Oscar Otzoy of the CIW noted.

quicker Shannon Gorres, a seminarian from Kansas, defined why the campaign is targeting Publix in specific:

Ten enterprises have agreed to this Code of behavior, but Publix has negated, denying their accountability to agree to reasonable meals. by refusing to agree, they're sending power down the give chain and dangerous to undo probably the most positive aspects the Coalition has received. as a result of they buy in bulk and want the most cost-effective cost, there is force on the growers (groups that promote the produce to the grocery store organisations) to get the cheapest labor viable. And if Publix refuses to conform to the reasonable meals demands, they're going to continue to purchase produce from growers in whose fields abuses are nonetheless going on.

“youngsters that we are human beings that harvest the tomatoes sold in the stores, they then again deny our humanity,” Galindo mentioned. “We work particularly difficult under the sizzling solar, within the heat, the bloodless, the rain. It would not bother me that or not it's complicated work, the difficulty is that the wages are enormously low and there is loads of mistreatment.”

Publix has invariably repeated the identical arguments in opposition t becoming a member of the reasonable food software, arguing that it's inconvenient to pay the additional for the staff, claiming that it is rarely included into the rate of the tomatoes (it's, as a top class corresponding to how other fair change items are priced), and accusing the staff of mendacity about their working circumstances and wages, citing minimum wage laws that do not follow to the farmworkers, and claiming ignorance of recorded instances of exact conditions of slavery at Florida tomato growers.

In a degree-by way of-element rebuttal of the grocery store gigantic's arguments, the CIW brought up that “Florida tomato harvesters are still paid by way of the piece. The commonplace piece rate today is 50 cents for each 32-lb bucket of tomatoes that employees decide on. at the current expense, a employee should opt for more than 2.25 a whole bunch tomatoes to earn minimal wage in a customary 10-hour workday – basically twice the amount a employee needed to pick to earn minimum wage thirty years in the past.”

The reasonable meals software contains retailers like Publix, speedy meals eating places like McDonald's and Subway, as smartly because the tomato growers themselves, making all degrees of the meals provide chain in charge for the situations of the staff at its base. these days, the CIW got here to a historical agreement with the Florida Tomato Grower's trade to be part of the program, enhancing wages and prerequisites for over 30,000 worker's across the state. but Publix and other supermarkets' refusal to be part of and pay the top class shorts the staff and relies on others to adjust working circumstances, while they take no responsibility for the products they sell. other businesses, including Yum brands, Burger King, complete meals Market, Bon Appetit management business, Compass community, Aramark, Sodexo, and most these days trader Joe’s have taken that accountability through signing on to the software, and the employees maintain hope that Publix will relent and be the next to achieve this.

the staff will smash their fast on Saturday, but their battle for superior treatment goes on. They comfortably are looking to recognize why Publix doesn't reside up to the phrases of its founder, quoted lately in an interview with the aid of CEO Crenshaw himself: “Don’t let making a income stand in the manner of doing the appropriate thing.”

Sarah Jaffe is an affiliate editor at AlterNet, a rabblerouser and normal Twitterer. that you would be able to follow her at @seasonothebitch.


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Killexams 1D0-610 Real Questions Sample



1D0-610 Certification Brain Dumps Source : CIW Web Foundations Associate

Test Code : 1D0-610
Test Name : CIW Web Foundations Associate
Vendor Name : CIW
Q&A : 172 Real Test Questions/Answers


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1D0-610

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