Riding the wave: small business opportunities in Cape Town in 2024

Photo by Tembela Bohle: https://www.pexels.com/photo/woman-in-black-top-and-blue-shorts-on-stone-under-blue-sky-920038/

Entrepreneurs and small business owners — if you’ve got that itch for opportunity and adventure, you’re in the right place at the right time. We’re talking about none other than the bustling hub of creativity, innovation, and endless possibilities – Cape Town, South Africa.

Now, you might be wondering, why Cape Town? Well, let me spill the beans. In 2024, Cape Town isn’t just a pretty face with Table Mountain as its backdrop; it’s become a magnet for folks from Gauteng and KwaZulu Natal who are semi-immigrating in search of a better quality of life and business prospects. People who emigrated to Europe and other places are also coming back.

Picture this: a melting pot of diverse cultures, breathtaking landscapes, and a thriving economy – that’s Cape Town for you.

With all the money flowing into the city and the beautiful coastal areas there are countless numbers of things that new arrivals need. Everything for homes, renovation, clothes, food, cars, entertainment and sporting equipment.

So, what’s the scoop on small business opportunities in the Mother City? Let’s dive in:

  1. Tourism and Hospitality Boom: With its picture-perfect beaches, world-renowned vineyards, and iconic landmarks, Cape Town continues to attract tourists from far and wide. This influx presents a golden opportunity for small businesses in the hospitality sector – think boutique hotels, cozy guesthouses, trendy eateries, and unique experience-based tours.
  2. Tech and Innovation Hub: Cape Town isn’t just about natural beauty; it’s also making waves in the tech scene. With the rise of tech startups and innovation hubs like Silicon Cape, there’s ample room for small businesses to carve their niche. Whether you’re into app development, digital marketing, or cutting-edge software solutions, Cape Town’s tech ecosystem is ripe for disruption.
  3. Creative Industries: Calling all artists, designers, and creatives! Cape Town’s vibrant art scene and cultural diversity provide fertile ground for small businesses in the creative industries. From artisanal crafts and fashion boutiques to design studios and art galleries, there’s no shortage of opportunities to showcase your talent and captivate a global audience.
  4. Sustainable Living and Eco-Tourism: As the world shifts towards sustainable living and eco-conscious practices, Cape Town is leading the charge. Small businesses focused on eco-friendly products, renewable energy solutions, and responsible tourism initiatives are in high demand. Whether you’re passionate about conservation or eco-tourism, Cape Town offers a supportive environment to make a positive impact.
  5. Food and Beverage Innovation: Foodies rejoice! Cape Town’s culinary scene is a melting pot of flavors, from traditional African cuisine to international delicacies. Small businesses in the food and beverage industry can thrive by tapping into the growing demand for gourmet experiences, farm-to-table dining, and artisanal food products. Whether it’s a cozy café, craft brewery, or gourmet food truck, there’s something for every palate in Cape Town.

In a nutshell, Cape Town is more than just a destination; it’s a lifestyle. With its perfect blend of natural beauty, cultural diversity, and entrepreneurial spirit, the opportunities for small businesses are endless. So, if you’re ready to ride the wave of success and make your mark in 2024, Cape Town is calling your name. Come join the adventure, and let’s make magic happen in the Mother City!

When last did you go to the window?

This is an interesting saying because going to the window means getting a bigger or broader perspective on your life.

I recently attended a half-day of presentations and the interesting thing that came out of it was how important it is to get a perspective of where your life is going.

It’s also important to know how far you’ve come.

Sometimes you don’t realize how much progress you’ve actually made, but in the cut and thrust of life you also forget about important life goals.

And these are the emotional energizers that drive you forward in life.

Some people, and it’s their own business, bump from one day to another without goals or direction.

Others plan everything before they start the day, week, or month.

Now, one approach doesn’t fit all, but without a destination or goal, knowing where you’re going to go, you can drift all over the place.

At least with goals, even if you don’t achieve them, then you can recalibrate and pursue the same goals with more energy or with a different approach.

You may also amend your goals and have new ones.

Everything’s not set in stone, but can be flexible.

One of the experts at the meeting mentioned that life isn’t all about return on investment, but it’s very important with your planning to have return on your life.

This means pursuing goals and objectives that enhance and enrich your life. It means doing things that you always wanted to do. It could be travel. It could be learning a new skill. It could be a hobby. It could be fitness objectives. Many things, actually.

But the main thing is, as I’ve mentioned, to have a sense of perspective on where your life is going.

This session that I attended helped me to look outside the window and see the view and reflect on the plans I made five years ago, where I am now, and some of the things that are important to me, but I haven’t done yet.

Now, that would be a tragedy if I didn’t pursue them, because it would be lost opportunity in my life.

Anyway, I wanted to share these thoughts on perspective and the need to, especially during difficult times in your life, to go look outside the window and get perspective.

A neighbour’s dog pooed on my property right in front of us and he ignored it … this is what I did

Image by Anthony from Pixabay

I was on my way out to jog when I greeted a neighbour with his dogs. One of his dogs went into my property and did it’s business right in front of him and me. I looked at the dog doing it’s business but he didn’t say a word. He carried on talking as if nothing had happened.

?It’s interesting how much responsibility people take for their animals. Don’t get me wrong, I love domestic animals.

Anyway, I didn’t say anything either and later when the dog poo was dry I picked it up, put it in a plastic bag and threw it away.

What could I do? This put me in a very difficult situation. I had just met this neighbour recently and I want to remain on good terms with him. I couldn’t say anything because whatever I said wouldn’t have come right.

So I just had to shut up and say nothing. I was expecting him to say something, to apologize or something like that, but he said nothing, absolutely nothing.

What do you do in this situation? What is the etiquette? Should you just keep your mouth shut and say nothing? What happens when it happens again and again? I don’t know the answer because it’s difficult and I don’t like confrontation. I don’t like being belligerent. I don’t like cutting people off.

Some people just don’t have respect for other people’s property. You might loan someone a tool or sporting equipment and when they return it you find out it’s broken but they say nothing. You’ve got get it fixed or replaced.

Some property owners erect illegal boundary walls with absolute no regard for their neighbour. This is illegal but either they haven’t thought it through or they don’t give a damn. You’d expect a neighbour to be aware of property laws and regulations. Pretending ignorance of the law is no excuse.

I’ve had workers on the property and some also have no regard or respect for tools and appliances. An extension lead is dragged over rocks and the plugs are scraped. A drill that has been kept in excellent condition is scraped across cement. Paint is spilt outside on cement paving and not cleaned up.

That’s why the best policy is to, where possible, not allow your tools or sporting equipment to be used by others. But it’s difficult to say no.

On the illegal disregard of property rights, that unfortunately has to be dealt with by approaching the authorities.

Allowing dogs to excrete on private property and public property is inexcusable. What’s right is when dogs excrete on private or public property, at least their owners should do something about it. There are dog owners who carry small plastic bags with them and do pick up their dog’s feces. ?At least these people respect other peoples’ property ?

Sneaky crimes people conveniently pretend they didn’t know they were committing

Image by Mohamed Hassan from Pixabay

“Oops, Did I Do That? Some people just don’t care about breaking the law. They’ll do things like snagging an abalone while snorkeling, trespassing on private property, or blocking their neighbor’s access without batting an eye. It’s pretty wild when you think about it.

In a country where crime seems like a national pastime, it’s easy for some to brush off the consequences. But, hey, not everyone is into that. There are still plenty of law-abiding citizens out there.

What makes people turn to crime? Some research says it could be biological, like genetics or brain chemistry. Others blame it on upbringing or social factors. Poverty might play a role, but it’s not the whole story.

Ideally, we’d have a police system we can trust. I heard about a car guard taking matters into their own hands because they didn’t trust the authorities to handle criminals. It’s a messy situation that leads to vigilante justice.

Imagine a world where people were honest, caring, and didn’t turn a blind eye to crime. It would make for a much happier and safer society for us all.

What makes money flow into towns?

black and white penguin on white sand
Photo by Piat Van Zyl on Pexels.com

I went to the beach today and passed through two coastal towns. I was blown away by how much money had flowed into these areas. The streets were clean, the people were friendly, and everything seemed to be running smoothly.

It’s clear that people have been flocking to these towns in search of a better quality of life. This has led to an increase in property values, new construction, and a whole host of new businesses catering to this new wealth.

All of this investment has created jobs for a variety of people, from retail workers to tradespeople to auto mechanics. It’s no wonder that money seems to flock to places like this.

But what is it about these towns that makes them so appealing? It all comes down to the vibe.

When a town is well-governed, people trust that their hard-earned money is going to be used wisely. They know that the rules are fair, the taxes are reasonable, and their investments are safe. This kind of trust is like catnip for businesses and investors. They feel safe putting their money into a place where they know it’s going to be taken care of.

Another important factor is efficiency. When a town is well-run, things get done without a lot of red tape and headaches. Permits get approved quickly, infrastructure projects get completed on time, and businesses can operate without constantly running into roadblocks. This means that less time and money is wasted on bureaucracy, and more time is spent actually making things happen.

Finally, let’s not forget about quality of life. Well-governed towns tend to invest in things like parks, schools, and public services. People want to live and work in places where they feel safe, where their kids can get a good education, and where they can enjoy a bit of green space. So, when a town has its act together, you can bet that people are going to want to stick around and spend their money there.

When you add it all up, it’s no surprise that money flows into well-governed towns like water down a mountain stream. Good governance isn’t just about keeping the trains running on time; it’s about creating an environment where everyone—from big-shot investors to regular people—can thrive. And where there’s thriving, you can bet your bottom dollar there’s going to be cash flowing in.

The Rollercoaster of Emotional Strength: Why It’s So Temporary and How to Stay Afloat

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You know the feeling – one day you’re feeling on top of the world, and the next, you’re feeling like you’re drowning. So, why is emotional strength so darn temporary?

Emotional strength can feel fleeting because emotions are always changing. They can be influenced by our circumstances, thoughts, and physical reactions. Just like physical strength, building emotional strength takes effort and self-awareness. It’s a skill that we need to practice and maintain in order to be resilient in the face of life’s challenges.

Emotions are like the weather. They can change in an instant, influenced by many different factors. Stress, relationships, health, even the weather itself can all affect our emotions. Just like we can’t control the weather, we can’t always control our emotions either.

But that doesn’t mean we’re helpless. While we can’t prevent the waves from crashing, we can learn to navigate them with grace and resilience. Building and maintaining emotional strength is like flexing a muscle – it takes consistent effort and practice. Here are some thoughts on how to stay afloat on the emotional rollercoaster:

Be self-aware

The first step to managing your emotions is to be aware of them. Take a moment to check in with yourself regularly. How are you feeling? What’s been weighing on your mind lately? By tuning into your emotions, you can better understand what triggers them and how to cope when they get tough.

Embrace vulnerability

It’s okay to be vulnerable. In fact, vulnerability is a sign of strength. Don’t be afraid to open up to trusted friends or family members when you’re struggling. Sharing your feelings can lighten the load and strengthen your connections with others.

Practice self-care

Just like you wouldn’t expect your car to run smoothly without regular maintenance, you can’t expect to thrive emotionally without taking care of yourself. Make sure you’re getting enough sleep, eating healthy foods, and exercising regularly. And don’t forget to indulge in activities that bring you joy!

Practice resilience

Remember that setbacks are a natural part of life. Don’t dwell on what went wrong. Instead, focus on what you can learn from the experience and how you can grow stronger as a result.

Those are a few things on how to stay afloat on the emotional rollercoaster. Just remember, it’s okay to ride the waves – just don’t forget to bring your resilience along for the journey.

Whatever advice and tips you can get from other people or the internet, often the answer comes from within.

You may find sources of strength from within your own psychological makeup. Sometimes dreams can make you feel better about the challenges you’re facing and can uplift you.

Other people find strength in philosophy or spirituality, but this requires faith or belief. As Wayne Dyer once said, “When you believe it, you’ll see it”, instead of the common saying, “when I see it, I’ll believe it.

Connecting with other people and having strong relationships can also help you feel stronger.

It seems to me that emotional and psychological strength to face life’s challenges is like a jug of water that slowly pours out during the day, and you need to find ways to refill the jug for the next day.

Are you dealing with a hectic neighbourly drama?

Amy Harrison, Unsplash

Are you dealing with some neighbourly drama? I know how that goes. It’s no fun when someone is messing with your property rights.

I’m not a lawyer, so I can’t give you legal advice. But I can offer some tips on how to handle the situation.

First, document everything. Keep track of all the times your neighbours have violated your property rights. Take photos or videos of the violations, and write down the dates and times they occurred.

Next, try talking to your neighbours. See if you can work things out like adults. Sometimes, a simple conversation can solve the problem.

If talking doesn’t work, you may need to take legal action. Get a lawyer who specializes in property law. They can help you understand your rights and options, and file the necessary paperwork.

You can also file a police report if the violations are illegal. You can ontact the council and upload a violation of the bylaws.

Mediation can also be a helpful option. Mediation is a process where a neutral third party helps you and your neighbours resolve your dispute.

Finally, don’t forget to take steps to protect your property. Install security cameras, fences, or alarms. Make sure your doors and windows are locked at all times.

Dealing with property rights violations can be a pain, but it’s important to stand up for your rights. Don’t let anyone take advantage of you. You deserve to live peacefully in your own home.

Good luck!

How do you handle the stress and anxiety of a looming problem in your life?

Photo by Leah Newhouse: https://www.pexels.com/photo/woman-sitting-by-lake-185939/

Many events in one’s life can be stressful and increase anxiety. This is not good for your well-being and health. It’s also psychologically difficult to put the impending event out of your mind. You keep thinking about it.

For a lot of people, the problem that they face could be quite different, but the stress levels and anxiety would possibly be the same. Maybe you are facing a retrenchment. Perhaps you are retiring soon and you are concerned about your financial situation. You could have a dispute with somebody and you are waiting for the authorities or a mediator to resolve the issue.

These are events that you have to manage. Sometimes you can’t anticipate them, but often if you can anticipate them, the pressure on you may still be the same.

Most advice would centre on things like exercise, eating, not drinking, reducing smoking habits, getting sleep.

Other advice would focus on writing a journal, meditation, yoga, quiet time and perhaps even mind techniques.

Yet other advice might be given on a spiritual level, a philosophical level and a psychological level.

Whatever method or approach you use to deal with your problem, you still have to get it under control to a level where you can get on with your life. You can’t get on with your life while the event requires conclusion in the background.

This brings me to an important point where we seek closure on problems quickly or quicker than they will be resolved. Problems sometimes take a long time to resolve. I think of one work-related problem I had that took one year to resolve. I had to live with the stress and anxiety of this problem and learn to cope, but it was extremely difficult to do so.

I point out that I ??have no expertise or special training in how to handle stress and anxiety at high levels. All what I’ve learnt is from experience and trying to get through life.

I have, however, looked at some coping strategies that make sense and have listed them here. I must caution that each individual is different. What may help one person will not help someone else.

So rather take these suggestions as general points of departure than must-do ways of reducing anxiety.

When faced with the weight of an impending challenge, I find solace in first acknowledging my emotions. Rather than suppress them, I allow myself to feel the stress and anxiety fully, understanding that it’s a natural response to uncertainty. This acceptance serves as a foundation for moving forward.

Once I’ve acknowledged my feelings, I strive to gain perspective on the situation. I analyze the problem, breaking it down into manageable components. By dissecting the issue, I can identify potential solutions and develop a plan of action.

Seeking support from trusted friends, family members, or mentors is invaluable during times of stress. Sharing my concerns with others not only provides emotional relief but also offers different perspectives and insights that I may not have considered on my own.

It’s of course vital that you choose people to confide in who are completely trustworthy. You also don’t want to talk to people who are going to make your situation feel worse than it is. This is like adding fuel to the fire. You want to talk to wise, balanced and intelligent people. ??

Engaging in activities that promote relaxation and mindfulness helps me to center myself amidst the chaos. Whether it’s through meditation, exercise, or creative expression, finding moments of peace allows me to recharge and approach the problem with a clearer mind.

Maintaining a healthy lifestyle, including proper nutrition, sleep, and self-care, is essential for managing stress and anxiety. Prioritizing my well-being ensures that I have the resilience and energy to tackle challenges head-on.

Finally, I remind myself that facing adversity is an opportunity for growth. By embracing the challenge and learning from the experience, I can emerge stronger and more resilient than before. Each obstacle becomes a stepping stone towards personal development and self-discovery.

Whatever the nature of the problem you are currently facing, I wish you well in resolving it, but just as important, coping with it until it is resolved. If you have any suggestions or thoughts, please comment below.

Disclaimer

Disclaimer: The report is for public distribution and has been furnished solely for information. None can use the report as a base for any claim, demand or cause of action and, also none is responsible for any loss incurred based upon. The author assumes no responsibility or liability for any errors or omissions in the content of this site. The author is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information. All sources of information acknowledged.

Market Report 2024: Growth of just-before sell date and expired food stores in South Africa

Credit: Chesney Bradshaw

Big opportunity for entrepreneurs because of skyrocketing inflation (with figures far higher than officially reported), no economic growth and stratospheric unemployment.

Introduction:
The market for best-before and expired food stores in South Africa has experienced significant growth in recent years, with stores such as Best Before, Looters, and Foodeez leading the way. Additionally, numerous independent stores are emerging, indicating a burgeoning market trend. This report explores the reasons behind this growth, opportunities, pitfalls, legislation, competitors, estimated market size and growth, customer profiles, and concludes with insights for entrepreneurs looking to enter this market.

Reasons for Growth:

  1. Consumer Awareness: Increasing awareness of food waste and sustainability has driven consumers to seek alternative options for purchasing food close to its expiry date.
  2. Economic Factors: Economic pressures have led consumers to look for more affordable options, making discounted expired food attractive.
  3. Entrepreneurial Innovation: Entrepreneurs are capitalizing on the opportunity to address food waste while offering discounted products to price-sensitive consumers.

Market Entry for Entrepreneurs:

  1. Identify Niche Markets: Entrepreneurs can differentiate themselves by targeting specific customer segments or offering unique product lines.
  2. Build Supplier Relationships: Establish partnerships with suppliers, wholesalers, and retailers to ensure a consistent supply of expired or close-to-expiry products.
  3. Invest in Marketing: Create compelling marketing campaigns emphasizing the value proposition of discounted food items and sustainability efforts.

Opportunities:

  1. Growing Consumer Demand: The increasing consumer interest in sustainable practices presents a significant opportunity for growth.
  2. Expansion Potential: There is room for expansion into underserved regions and markets within South Africa.
  3. Diversification: Stores can diversify their product offerings beyond food to include other perishable items such as cosmetics and household goods.

Pitfalls:

  1. Quality Concerns: Maintaining quality standards and ensuring the safety of expired food products is crucial to avoid reputational damage and legal issues.
  2. Regulatory Compliance: Adhering to food safety regulations and obtaining necessary licenses and permits can be complex and time-consuming.
  3. Competition: The market is becoming increasingly competitive, requiring differentiation strategies to stand out among competitors.

Legislation:

  1. Food Safety Regulations: Stores must comply with South Africa’s food safety regulations to ensure the quality and safety of products sold.
  2. Expiration Date Labeling: Proper labeling of expiration dates and adherence to regulations regarding the sale of expired products is essential.
  3. Licensing and Permits: Stores need to obtain relevant licenses and permits from local authorities to operate legally.

Competitors:

  1. Established Chains: Stores like Best Before, Looters, and Foodeez have established a presence in the market.
  2. Independent Stores: Numerous independent stores are entering the market, offering localized and niche products.
  3. Traditional Retailers: Traditional grocery stores may also pose competition as they introduce their own discounted sections for close-to-expiry products.

Estimated Market Size and Growth:
The market size for best before and expired food stores in South Africa is huge. With the growing consumer interest in sustainability and affordability, the market is expected to witness significant growth in the coming years at a fast rate.

Customer Profile:

  1. Price-Conscious Consumers: Customers seeking affordable food options without compromising on quality. Food inflation is grossly under estimated. Official figures put the overall inflation rate at 6% but this is a political figure, according to many. Some cynics believe it is used mainly to keep wage negotiations low. How can food inflation possibly be in the range from 6% to 8% when most food products have doubled in price and some have tripled and others, imported ones, have gone up four times in the past two years?
  2. Environmentally Conscious Consumers: Individuals interested in reducing food waste and supporting sustainable practices.
  3. Value Seekers: Customers looking for discounts and deals on everyday grocery items.

Conclusion:
The growth of best before and expired food stores in South Africa is driven by consumer demand for affordable and sustainable food options. Entrepreneurs can capitalize on this trend by identifying niche markets, building supplier relationships, and investing in marketing efforts. However, they must navigate regulatory challenges, quality concerns, and increasing competition to succeed in this evolving market landscape. As the market continues to expand, there are ample opportunities for growth and innovation in serving the needs of price-conscious and environmentally conscious consumers.

Disclaimer

Disclaimer: The report is for public distribution and has been furnished solely for information. None can use the report as a base for any claim, demand or cause of action and, also none is responsible for any loss incurred based upon. The author assumes no responsibility or liability for any errors or omissions in the content of this site. The author is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information. All sources of information acknowledged.

Coffee Business in South Africa: Market Report 2024

Photo: Pexels

Coffee has become a major beverage in South Africa. This brief market report gives you an overview at a glance of some of the key trends and opportunities in the local coffee market.

1. Overview:
The coffee industry in South Africa continues to experience steady growth, driven by a burgeoning coffee culture and increasing consumer demand for specialty coffee products. With a growing urban population and rising disposable income levels, the coffee market presents numerous opportunities for small businesses to thrive.

2. Market Size:
The South African coffee market both in terms of at home, restaurant ?and takeaway ??has witnessed significant expansion in recent years. Statista reports the market is projected to experience an annual growth rate of 10.52% from 2024 to 2028 (CAGR 2024-2028). The Coffee market in South Africa at this growth rate is projected to grow at market volume of US$632.0m (about R12 billion rands). There are many figures on the market size and growth potential and one has to be careful about which estimates include filter coffee and instant coffee. So it’s best to not get fixated on one number but look at the general increase in growth.?

This growth can be attributed to the proliferation of coffee shops, cafes, and specialty roasters across major cities, catering to the evolving tastes of consumers.

3. Annual Market Growth:
The coffee market in South Africa has been experiencing a strong annual growth rate, reflecting the sustained demand for coffee products among a diverse consumer base. This growth trajectory is expected to continue as coffee consumption becomes increasingly ingrained in South African culture.

4. Market Potentials:
The coffee industry presents promising potentials for small businesses, including coffee roasting, specialty coffee retail, mobile coffee carts, and coffee equipment distribution. Additionally, opportunities exist in catering to niche markets such as organic, fair trade, and single-origin coffee segments.

5. Customer Profile:
South Africa’s coffee consumers encompass a wide demographic range, including young professionals, students, tourists, and coffee enthusiasts. This diverse customer base seeks quality coffee experiences, convenience, and ambiance when choosing coffee establishments.

6. Customer Buying Habits:
Consumer buying habits in the South African coffee market vary, with preferences for specialty coffee, artisanal blends, and ethically sourced beans on the rise. Convenience also plays a significant role, with an increasing demand for on-the-go options and delivery services.

7. Key Players:
The coffee industry in South Africa is dominated by a mix of local and international players, including major coffee chains, independent cafes, and specialty roasters. Notable key players include Seattle Coffee Company, Vida e Caffè, and Motherland Coffee Company, among others.

8. Challenges:
Despite the opportunities present, small businesses entering the coffee market face challenges such as intense competition, rising operating costs, supply chain disruptions, and changing consumer preferences. Additionally, navigating regulatory requirements and securing prime locations can pose hurdles for entrepreneurs.

9. Opportunities:
Despite challenges, there are ample opportunities for small businesses to differentiate themselves through product innovation, unique branding, personalized customer experiences, and community engagement initiatives. Embracing sustainability practices and leveraging digital marketing strategies can also enhance competitiveness.

10. Conclusion:
In conclusion, the South African coffee market offers a fertile landscape for small businesses to thrive, driven by increasing consumer demand, evolving preferences, and a vibrant coffee culture. By capitalizing on emerging trends, addressing challenges proactively, and fostering innovation, small coffee enterprises can carve out a lucrative niche in this dynamic industry landscape.

Disclaimer

Disclaimer: The report is for public distribution and has been furnished solely for information. None can use the report as a base for any claim, demand or cause of action and, also none is responsible for any loss incurred based upon. The author assumes no responsibility or liability for any errors or omissions in the content of this site. The author is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information. All sources of information acknowledged.