October Issue

A S K YO U R M O N E Y C OAC H

WYNDHAM DEBUTS ACCELERATOR CIRCLE

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TUESDAY | OCTOBER 15, 2024 | #ISSUE 37

SINCE 2022

C E L E B R AT I N G T R A I L B L A Z E R S

HOW WOMEN LEAD ANNOUNCES 5 ANNUAL 2024 #GETONBOARD WEEK AWARDS TH

HOW WOMEN LEAD,

the country’s most powerful network of 25,000 influential women executives dedicated to transforming female leadership globally, announces the winners of its 5th Annual #GetOnBoard Week Awards.

These prestigious awards honor individuals and companies making groundbreaking strides in creating equity for women at the highest level of corporate leadership. The Awards Ceremony will be held during #GetOnBoard Week, a summit focused on advocacy and action to propel fearless women leaders into board positions.

This year’s hybrid conference will take place from October 21-25, 2024 and anticipates over 3,000 participants in 40 unique events.

How Women Lead is a national organization of top executive women focused on activating their individual and collective power to achieve equity for women by driving representation and opportunities across all aspects of life and career. Founded in 2014, the organization fights for change at all levels by affecting systems reform, mobilizing a movement, offering training, and providing access to opportunities. Now more than 25,000 strong, the organization has expanded the breadth and depth of its impact nationally.

How Women Lead’s philanthropic arm, How Women Give, provides grants and invaluable connections to women’s and girls’ organizations on the frontlines of today’s most critical issues. Its sister organization, How Women Invest, invites women to play big and powerfully in venture, making meaningful investments and propelling high-potential, women-led companies forward at scale.

SOURCE How Women Lead

FINANCE

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TUESDAY | OCTOBER 15, 2024 | #ISSUE 37

BofA Unveils Virtual Payables Solution to Support the Booming B2B Market Bank of America, has expanded its Virtual Payables capabilities with the launch of Virtual Payables Direct. The business-to-business (B2B) payment solution provides buyers with the usual working capital advantages of a card transaction – such as extended payment terms – in addition to a new enhancement that allows suppliers to be paid via a direct bank transfer.

A key advantage of Virtual Payables Direct is that it helps businesses manage working capital.

The solution provides greater flexibility for buyers as it allows for large, one-off or last-minute payments.

Suppliers can also receive a fast payment through a bank transfer. These benefits allow all parties to

manage their cashflow more effectively and enable greater operational efficiency.

Benefits of Virtual Payables Direct • Helps corporate treasurers and buyers optimize working capital.

• Provides greater flexibility for large or lastminute purchases.

• Eliminates the need for suppliers to perform a technical set-up to process card payments.

• Buying organizations enjoy extended payment terms as part of their card programme.

• Suppliers receive prompt payment through bank transfer.

ASK YOUR MONEY COACH By: Jen Nash, AFC®

Savvy Ladies honors fourteen outstanding individuals across six award categories, each significantly impacting women’s financial empowerment.

The Savvy Ladies 2024 Awards Benefit Gala Making an Impact Advancing Financial Wellbeing for Women Savvy Ladies, a nationally recognized nonprofit organization empowering women through free financial education, including a national Free Financial Helpline, announces its 2024 Savvy Ladies Annual Gala Benefit, Power of Impact, to be hosted at the iconic Nasdaq MarketSite, Times Square, NY, on October 28th and is pleased to introduce this year’s honorees, who are each exceptional leaders supporting & leading financial empowerment for women. Each honoree is recognized for their unwavering commitment to

financial education & advancement of financial wellbeing for women.

Savvy Ladies will honor fourteen outstanding individuals across six award categories, each significantly impacting women’s financial empowerment. Their passion, dedication, and innovative approaches are paving the way for countless women to achieve financial wellbeing.

Buy a Ticket or to learn More About Savvy Ladies, visit: https://www.savvyladies.org/ SOURCE Savvy Ladies

Money doesn’t just live in our wallets. It lives in our relationships, our health, in the food we eat, in how we spend our time… It determines how many options we have. It can be a constant source of stress or it can give us the freedom to live life on our own terms.

Most people carry their financial challenges in solitude. It wasn’t spoken of in their home growing up and they don’t talk about it now. Don’t worry.

I won’t pressure you to break your silence. Instead, I come bearing a safe, anonymous space for you to share your concerns freely and receive compassionate, expert financial guidance. This is a place where judgment has no home, and your struggles are met with empathy, understanding and actionable solutions.

Q: I’ve tried to get out of debt so many times, but I always end up back where I started. What am I doing wrong?

A: You’re not alone in this! Many people focus so hard on paying off debt that they forget to address the habits that got them there. It’s like trying to empty a sinking boat without plugging the holes first. Start by looking at where your money leaks are—subscriptions you don’t use, making extra debt payments without a monthly cash flow surplus, etc. Then, focus on creating a plan that doesn’t just eliminate debt but changes your relationship with money. It’s not just about paying it off—it’s about staying out of debt for good!

Q: I feel like I make decent money, but by the end of the month, I’m always broke. Where does it all go, and how can I stop this from happening?

A: One of the most common things I hear from clients is, “I make too much money to be this broke!” Many people feel like they’re making enough, but without tracking their spending, it’s easy for money to slip away. If detailed tracking is difficult or you just don’t have time, simplify your budget and tracking methods. There are really only 3 main things you need to know – 1) how much is coming in, 2) how much is going out and 3) how much is left over. This is enough insight to start making different decisions.

Q: I’ve been trying to stick to a budget, but every time something unexpected happens—like a car repair or medical bill—I end up overspending.

How do I handle these surprises without blowing my budget?

A: Life happens, and that’s why having an emergency fund is key. Start by saving $500 to $1,000 for unexpected expenses. This cushion will help you handle surprises without derailing your financial progress.

Remember that financial wellness is a journey, not a destination. The goal is really just to be 1% better today than you were yesterday. You’re not alone in this journey—reach out, let us know what’s keeping you up at night. We’re here to support you.

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TECHNOLOGY TUESDAY | OCTOBER 15, 2024 | #ISSUE 37

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The SaaS-Based Business Analytics Market is projected to grow by USD 10.19 Billion by 2028 Report with the AI impact on market trends The Global SaaS-based Business Analytics Market size is estimated to grow by USD 10.19 billion from 2024-2028, according to Technavio. The market is estimated to grow at a CAGR of 13.63% during the forecast period. Shift toward SOA is driving market growth, with a trend towards rising demand for data integration and visual analytics. However, bandwidth and connectivity issues pose a challenge.

SaaS-based business analytics solutions enable enterprises to integrate their back-office systems with database management systems, streamlining workflows and granting users access to vast data sets. These tools facilitate the integration of technical and business processes from various sources, converting raw data into valuable insights. With the escalating volume of data, analyzing, transforming, monitoring, and interpreting data has become essential for businesses.

Organizations also combine business analytics software with visual analytics tools for the dynamic representation of data. Visual analytics technology generates graphical representations of charts and graphs, like heat maps, to essential points and metrics through various graphical reorientations.

The SaaS-based business analytics market is experiencing significant growth due to the increasing demand for data-driven insights in various industries, particularly in Big Finance and Business (BFSI).

Advanced technologies like artificial intelligence (AI) and machine learning (ML) are driving this trend, enabling predictive analytics and process automation.

Government investments in data analytics are also fueling growth. The market offers various data analytics tools, providing real-time analytics, data

PHOTO SOURCE: KABOOMPICS.COM

visualization, and data security. The pay-as-you-go model and subscription fees make these solutions accessible to businesses of all sizes. Network monitoring, asset utilization, sales performance, customer behavior, and customer service are some

of the key areas where SaaS-based analytics is making a difference. Data processing and data analysis are at the heart of these solutions, providing informed decisions and improving customer experience. Data security is a top priority, with

various measures in place to ensure the confidentiality, integrity, and availability of data. Overall, the SaaSbased business analytics market continues to evolve, driven by the increasing importance of data-driven insights and informed decision-making.

Pink Collar Crime Eden Prairie Woman Sentenced to Prison for Embezzling More Than $1 Million from Employer MINNEAPOLIS – An Eden Prairie woman has been sentenced to 24 months in prison, two years of supervised release, and was ordered to pay $1,137,404 in restitution for embezzling

more than $1 million from her employer, announced U.S. Attorney Andrew M. Luger.

According to court documents, Monica Svobodny, 52, worked as the Supply Chain and Engineering Manager at a furniture manufacturing company located in Edina, Minnesota. Svobodny used her managerial position to embezzle funds and convert them to her own use and benefit.

Svobodny regularly used company credit cards for unauthorized personal expenses such as designer clothing, spa services, and luxury hotel stays. To cover her fraud, she left unapproved credit card expenses as “pending” for accounting purposes. On more than 300 occasions, she used company cards to transfer funds to herself via PayPal to cover personal expenses. Svobodny also edited PayPal transaction receipts and fraudulently listed some of the expenses as payments to a defunct company.

In total, Svobodny knowingly and willfully embezzled more than $1,137,000 over a period of seven years.

On April 10, 2024, Svobodny pleaded guilty in U.S. District Court to one count of wire fraud. She was sentenced in U.S. District Court by Judge Ann D. Montgomery.

This case is the result of an investigation conducted by the Edina Police Department with assistance from the FBI. Assistant U.S. Attorney Rebecca E. Kline prosecuted the case.

PHOTO: 1,000 DREAMS FUND’S NEW FACE OF TECH SCHOLARSHIP PROGRAM (POWERED BY HARMAN) RETURNS FOR AN EIGHTH YEAR.

1,000 Dreams Fund and HARMAN’s ‘New Face of Tech’ Scholarship Program Expands Globally for its 8th Year For the first time, the program invites women globally who are pursuing degrees S.T.E.A.M. (Science, Technology, Art, Engineering and Math) fields to apply. Fifty winners will receive a $1,500 scholarship, mentorship and more.

1,000 Dreams Fund, a nonprofit serving talented women in need, is pleased to announce the global expansion of its New Face of Tech Scholarship Program, now in its eighth year.

Powered by HARMAN, a wholly-owned subsidiary of Samsung Electronics Co., Ltd., the New Face of Tech Scholarship Program spotlights and financially supports the new face of tech -- women pursuing big dreams in the world of technology and innovation.

Interested students are encouraged to apply by taking the New Face of Tech Challenge.

Tech and STEM occupations continue to be one of the fastest-growing professional occupations among U.S workers, according to the U.S Department of Labor. Recent research featured by CIO.com indicates women are still underrepresented, underpaid, and often discriminated against in the tech industry. The ratio of women to men in tech roles has declined in the past 35 years, with half of women who go into tech dropping out by the age of 35, according to data from Accenture. HARMAN and 1,000 Dreams Fund hope to reverse these trends for future women leaders in tech.

“For eight years, HARMAN has been honored to partner with 1000 Dreams Fund to empower talented

young women pursuing careers in S.T.E.M. through HARMAN Inspired, our global cause initiative. This year, I am honored to expand our reach to include young women from around the globe”, said Darrin Shewchuk, SVP Public Affairs & Communications and Chief of Staff to CEO at HARMAN. ‘’We continue to be in awe of the talented young women who participate in the New Face of Tech Scholarship Program. We are eager to watch this next generation of technology leaders thrive as they continue their education and advance in the careers they pursue.

Since its founding in 2016, 1DF has had a goal of providing scholarships that help fund the “extras” or outside-of-the-classroom opportunities like conferences and seminars or textbooks, tech devices and other educational expenses that often go unfunded by traditional scholarship programs.

The New Face of Tech Scholarship Program is accepting applications through November 22, 2024.

Students with career aspirations in tech can enter by submitting a photo that demonstrates how they represent the New Face of Tech along with a description of their dream in tech and how they plan to use the grant funding to achieve their goals.

Winners will be selected based on the quality of their submission, including a demonstrated commitment to pursuing a career in tech and clear vision for how winning the New Face Tech Challenge will help to further accelerate progress towards their dream.

SOURCE 1,000 Dreams Fund

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WELLNESS TUESDAY | OCTOBER 15, 2024 | #ISSUE 37

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The Vitality Project: First-of-its-Kind Initiative Integrates Holistic Well-Being into Beauty Education to Support Student Success PHOTO: VITALITY PROJECT PHOTO

Tricoci University of Beauty Culture, an awardwinning university, is proud to announce the launch of its partnership with the The Vitality Project, the first-ever wellness program integrated into a beauty school curriculum. Created by Elizabeth Faye, a globally recognized hairstylist, trauma-informed coach, and founder of Hair Love University, The Vitality Project is designed to equip students and staff with the tools they need to thrive in both their personal and professional lives, covering all aspects of wellness—emotional, mental, occupational, social, physical, and spiritual.

As the first adopter of this program, Tricoci University of Beauty Culture is setting a new standard in beauty education by recognizing that long-term success in the beauty industry is directly tied to one’s mental and emotional wellbeing.

Key Features of The Vitality Project: Holistic Educational Content: Featuring a plug and play curriculum of wellness tools and topics, the comprehensive program ensures students receive a holistic approach to their well-being.

Comprehensive Educator Resources: Educators will receive detailed lesson plans, workbooks, and training, empowering them to seamlessly integrate wellness into their classrooms.

Student Engagement: Engaging workbooks and exercises will help students build resilience and emotional regulation, leading to a deeper understanding of their personal wellness.

Leadership Development: The program includes leadership and trauma-informed facilitation training, equipping educators with the skills they need to lead with empathy and effectiveness.

On-Demand Resource Library: Access a rich library of resources anytime, providing ongoing support and inspiration for educators and students.

By prioritizing mental and emotional well-being, The Vitality Project creates a supportive, inclusive

Female-Owned, Switchplace, Reinvents Corporate Housing Solutions to Meet the Housing Needs of Today’s Workforce Switchplace, a leader in corporate housing solutions, is excited to announce a strategic rebrand that reflects its dedication to serving the modern business traveler. As a female-owned and WBENCcertified business, Switchplace has reimagined its corporate housing offerings to better address the diverse and evolving needs of today’s workforce.

This rebrand signifies the company’s ongoing commitment to delivering innovative, flexible, and customer-centric housing solutions that align with the changing dynamics of business travel in the post-pandemic world.

In response to the growing demand for flexible, adaptable housing options that cater to the needs of a modern workforce, Switchplace’s rebrand introduces a fresh identity that emphasizes its core values of providing industry-leading service and customer-centric solutions. With a legacy rooted in providing exceptional service, the company now positions itself as the go-to partner for businesses navigating the complexities of temporary housing solutions in a globalized, remote and hybrid world.

“Our rebrand is not just a visual update; it’s a reflection of our ongoing commitment to evolving alongside our clients’ needs,” said Tammy Gillespie, CEO and Founder of Switchplace. “As the world of work continues to change, so too must the solutions we provide. Our new identity speaks to our ability to deliver flexible, modern corporate housing solutions that support today’s global workforces.”

Switchplace’s rebrand comes at a time when businesses are increasingly seeking housing solutions that can accommodate a diverse range of needs, from temporary project-based stays to long-term relocations. The company’s new identity is designed to resonate with today’s business travelers, offering them the assurance of a home-like experience no matter where their work takes them.

Tammy Gillespie, a proud graduate of Texas A&M University and mother of three, has led Switchplace with unwavering dedication since its inception. Her vision has transformed the company into a WBENC-certified woman-owned business

that is both trusted and respected across the Americas and APAC regions. Under her leadership, Switchplace has flourished, consistently exceeding client expectations by offering tailored housing solutions that blend convenience, comfort, and innovation.

“We are deeply committed to supporting the success of our clients by providing them with housing solutions that are as dynamic as the world we live in,” added Gillespie. “Switchplace is here to ensure that every stay is seamless, comfortable, and conducive to productivity.”

For more information about Switchplace and its newly rebranded corporate housing solutions, please visit www.switchplace.com.

SOURCE Switchplace

environment that fosters creativity, reduces burnout, and boosts student and staff engagement. As the beauty industry becomes more connected and people-focused, this program ensures the development of essential skills for human connection and conscious communication—skills that are critical for longterm success.

“The Vitality Project reminds the Tricoci community that they are human-first beauty

professionals,” said Nate Swanson, CEO of Tricoci University of Beauty Culture. “Their impact goes far beyond a haircut, highlight, or fresh coat of polish—it’s deeply felt through the connections they build with those they serve. By integrating holistic wellness into our curriculum, we’re ensuring that our students and staff are prepared for a career of service, beauty, and human connection.”

SOURCE Tricoci University of Beauty Culture

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BUSINESS

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TUESDAY | OCTOBER 15, 2024 | #ISSUE 37

Wyndham Debuts Accelerator Circle; Enhancing Wyndham’s BOLD and Women Own the Room initiatives Networking for Wyndham’s Black Owners and Lodging Developers (BOLD) and Women Own the Room franchisees just got easier with access to peer-to-peer connections and expert mentorship.

Created on the foundation of building community for diverse hoteliers, the new Accelerator Circle gives BOLD and Women Own the Room franchisees exclusive access to Wyndham’s network of existing owners and industry experts through quarterly, small-group virtual meetups focused on fast-tracking hotel openings and maximizing performance.

From networking and education to operational support and complimentary services to help maximize revenue, BOLD and Women Own the Room offer tailored solutions to help break down the common barriers each group faces when pursuing hotel ownership. Together, BOLD and Women Own the Room have resulted in more than 90 hotel deals with Black and women hoteliers with more than 20 hotels that are now open. With Accelerator Circle, Wyndham leverages its position as the world’s largest hotel franchisor to reinforce its commitment of bringing greater diversity to hospitality.

Accelerating Ownership Through Community Created to help entrepreneurs from the time they consider hotel ownership all the way through opening a hotel, both BOLD and Women Own the Room put a key emphasis on fostering an interactive community that supports greater diversity in hospitality. With Accelerator Circle, Wyndham takes the focus to the

Wyndham rolled out a new community-building platform for diverse hoteliers, providing BOLD and Women Own the Room franchisees exclusive access to industry professionals and peers helping to support successful ownership.

next level by facilitating connections among its BOLD and Women Own the Room owners, allowing them to learn from shared experiences and grow together as an engaged community.

In line with its Owner First approach to franchising,

Accelerator Circle sessions will focus on topics that come directly from franchisees, including securing financing, hotel renovations, development and operations, among others. Sessions will be led by industry professionals—spanning Wyndham team

members, industry experts and owner peers— facilitating strategic, peer-to-peer discussions and providing insights focused on the real-time concerns owners face today.

SOURCE Wyndham Hotels & Resorts

The Women in Apprenticeship and Nontraditional Occupations (WANTO) Grant Program The Women in Apprenticeship and Nontraditional Occupations grant helps to expand pathways for women to enter and lead in all industries.

Organizations receiving funds will provide one or more of the following types of technical assistance: Developing pre-apprenticeship or nontraditional skills training programs to prepare women for those

career; Providing ongoing orientations for employers, unions, and workers on creation a successful environment for women to succeed in those careers; and Setting up support groups, facilitating networks, or providing support services for women to improve their retention.

SOURCE Grant.gov

PHOTO BY: DECLAN WRIGHT

Women in HVACR Host 21st Annual Convention in Dallas Women in HVACR (WHVACR), a nonprofit organization dedicated to empowering women in the heating, ventilation, air conditioning and refrigeration trades, will host its 21st annual convention at the Dallas Renaissance Hotel in Dallas on Oct. 21–23.

The conference, entitled “Lone Star Leadership: Rising Above the Crowd,” will feature keynote addresses

by Amanda Brinkman, the creator, producer and host of the Emmy-nominated TV show “Small Business Revolution”, and award-winning marketing executive; and, Maureen Zappala, a former NASA propulsion engineer and founder of High Altitude Strategies.

In addition to two full days of educational programming, the conference also features several optional networking events, including the Boot Scootin’ Networkin’ event from 1 to 3:30 p.m. on

Monday, Oct. 21, and the Competition and Convo event on Wednesday, Oct. 23 from 5 to 7 p.m. There will also be two evening events on Monday and Tuesday, Oct. 21-22.

Women in HVACR was organized exclusively for educational purposes to further the growth of women in all areas of the HVACR industry, including in technical, sales, management and ownership positions. Its goal is to provide its members with a variety of opportunities to network and develop in a professional environment.

For more information about, or to register for, the 2024 conference, visit https://www.womeninhvacr. org/lone-star-leadership. Registration is $750 for members and $899 for non-members.

SOURCE Women in HVACR

FOOD & WINE

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TUESDAY | OCTOBER 15, 2024 | #ISSUE 37

The Boca Raton, ‘Artisans of Wine & Food’ presented by Capital One Tickets Are Now on Sale Napa Valley’s most famous wine event will make its East Coast debut this winter, providing unparalleled access to prestigious winemakers and celebrated chefs from January 17 - 19, 2025.

South Florida’s iconic resort and private club, The Boca Raton, announces tickets are now live for its highly anticipated Artisans of Wine & Food weekend, taking place January 17-19, 2025. The first-of-its-kind event in partnership with the esteemed Napa Valley Vintners will bring together more than 75 winemakers, 20+ celebrated and Michelin-starred chefs, and immersive programming for a celebration of fine wine and food that promises to become a coveted annual tradition.

The multi-day experience, presented by Capital One, will be orchestrated by some of the world’s most renowned culinary minds such as legendary Chef David Breeden, famed Chef and Restaurateur Mario Carbone, and a dinner curated by an all-female

line-up of top chefs matched with female-owned wineries/winemakers.

The weekend culminates with a gala where attendees will indulge in a four-course dinner artistically directed by Fabio Trabocchi, MichelinStarred Chef and Restaurateur of Washington DC’s Fiola and Boca Raton’s Fiolina Ristorante. As the evening unfolds, guests will have the opportunity to bid on fine wines, luxury experiences, and bespoke getaways, in an exclusive auction hosted by international auctioneer Jacqueline Towers-Perkins.

The wine auction’s proceeds will benefit the Boys & Girls Clubs of Palm Beach County and Napa Valley. This charitable initiative highlights The Boca Raton’s dedication to supporting local neighborhoods and investing in youth development through educational and enrichment programs.

Indulge in one-of-a-kind dining experiences at The Boca Raton’s Artisans of Wine & Food event

First Time Wines of Chile Brings its on Iconic Chile Wine Fest to New York City The event will feature over 150 premium wines on October 21 at City Vineyard. Wines of Chile is thrilled to announce that it’s bringing its iconic Chile Wine Fest to New York City for the first time, promising a unique and unforgettable experience for all wine enthusiasts.

This exclusive event, sponsored by PiscoChile and the Chilean Tourism Board, showcases the best of Chile’s premium wines, cuisine, and culture. It will take place on October 21 at City Vineyard from 5 p.m. to 11 p.m.

Attendees will be able to taste over 150 exceptional wines from every major winegrowing region in Chile, offering a diverse and exciting tasting experience. They will also connect with industry professionals and experience the country’s vibrant food and drink offerings.

Starting at 5:00 p.m., the first session will be dedicated to trade professionals, who can participate in an exclusive walk-

around tasting and network with 25 top Chilean producers. They will also attend three masterclasses, offering a unique opportunity to deepen their knowledge of Chilean wines: “Carmenere & Volcanic Influence” by Gonzalo Cárcamo from Viña La Rosa, “Terroir IS Chile” by Pedro Parra from Pedro Parra & Familia Winery, and “Cool Climate Artisanal Volcanic Wines from the Extreme South of Chile” by Carlos De Carlos, founder of Baettig Vinos.

Then, after the trade session, the general public will join the event to enjoy Chilean wines, gourmet food, and an extraordinary Pisco Sour workshop, where attendees will learn to craft Chile’s iconic cocktail with top bartenders.

The gathering will be set to the soulful sounds of the Rodrigo Recabarren Trio, which blends the rich rhythms of the Andes with Chilean jazz. For registration and tickets, visit www.chilewinefest.com.

SOURCE Wines of Chile

PHOTO BY: MARCELO RODRIGO

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The reasonable man adapts himself to the world; the unreasonable one persists in trying to adapt the world to himself. Therefore, all progress depends on the unreasonable man.”

George Bernard Shaw

ACROSS 1. The ability of a customer to obtain goods or services before payment 4. Send goods or services to another country for sale.

5. The action or business of promoting 7. A current medium of exchange in the form of coins and banknotes 8. A structured set of data held in a computer 10. A person employed for wages or salary 11. Have a desire to possess 14. An electronic device which is capable of receiving information 15. Based on or characterised by the methods and principles of science 16. The action of making or manufacturing 17. Something of necessity

DOWN 2. Bring goods or services into a country from abroad for sale.

3. A set of things working together as parts of a mechanism 4. A person or organisation that employs people.

5. The process of dealing with or controlling things or people 6. The action of selling something 9. The action of buying and selling goods and services.

12. The process or work of keeping financial accounts 13. The state of a country in terms of the production and consumption of goods and services 16. A financial gain FIND THE ANSWER ON OUR WEBSITE WWW.HENRYSOCIETYJOURNAL.COM