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JP Morgan
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JP Morgan Says Gold Has Entered New Bull Market, "Rally is JUST STARTING"
Legendary Gold Trader Jim Sinclair has long maintained that the bullion banks would be the main entities to profit from gold's final blow-off mania top.
That time may be nearing as The Morgue has officially jumped on the gold bandwagon:
Fund Manager: The Comex Is Facing A Gold Crisis
JP Morgan Cornering Silver Bullion Market?
In the last two weeks JP Morgan Chase has accumulated more than eight million ounces of physical silver…
Are We Almost There Yet?
When we begin filling that silver price gap is a mystery that lies somewhere deep within the power matrix of JPM – a nodal point (though not a permanent one) in the world monetary system.
6-Figure Gold? Marshall Swing Releases the Most Shockingly Bullish Gold & Silver Forecast Ever!
You are literally going to see gold and silver skyrocket well past the Moon and other planets and could go as high as some nearby galaxies next year in 2015 as the "crash of biblical proportions" comes to pass.
All the trillions of dollars in fake fiat paper money around the world will rush to buy the physical metal and ALL of it will be GONE in gone single hour, all around the world.
The worldwide physical silver and gold market is very very VERY TINY. Once the signs of worldwide economic collapse become apparent, just hours before the crash that devastates ALL the economies of the world IN ONE SINGLE HOUR as the derivatives domino game comes crashing to a halt and massive fear instantly spreads around the world, all the fiat paper money will seek hard assets as a safe haven for maintaining their value.
The precious metals dealers will literally shut down their phone lines, and trillions of dollars in paper fiat capital is going to roar into the precious metals paper fiat fiasco better known as the New York Commodities Exchange and other fiat futures casinos around the world.
It will be an explosion or SHOT heard round the world as everybody throws whatever cash they have into this completely imagined safe haven, which is not a safe haven at all but a casino of order of magnitude in the hundreds of paper futures above a tiny amount of real metal in COMEX warehouses.
What levels could gold & silver achieve in a derivatives contagion? Valuations so shocking Jim Sinclair's price forecasts are bearish!
Ted Butler: COMEX – Why It's Corrupt
It is one thing to label (libel?) the world's most important precious metals exchange as the most corrupt; but perhaps quite another to prove it in terms beyond reasonable doubt.
First, let me be clear in what I am asserting – the Commodities Exchange Inc. (COMEX), owned and operated by the CME Group, has come to control and manipulate the price of gold and silver, as well as copper, for the sole benefit of certain exchange insiders, most prominently JPMorgan.
Ted Butler: Is the GAO Investigating the CFTC Over Silver Manipulation Cover-Up?
In December 2012, I received a phone call from the Government Accountability Office (GAO), and that led to me providing documentation about the silver manipulation and the CFTC that led to a number of conference calls with the GAO. The GAO's mission is to make sure that all federal agencies are conducting their missions appropriately.
I kept my contact with the GAO private so as not to jeopardize any action by the agency, although I must tell you that I was quite excited about the situation. In time I was informed by the GAO that as the one government agency that reports directly to Congress that it needed to be directed by Congress to look into the matter. In May 2013, I sought to stimulate action by writing publicly about the matter and asking readers to write to their elected officials to urge the GAO to pursue the matter. A good number did just that.
Several months passed and, once again, I grew weary about any follow up by the GAO. I had heard nothing and assumed the matter was dead.
As it turns out, I was dead wrong.
Gold & Silver COT's: This is a Setup!
This past reporting period we saw a very rapid decline followed by an equally impressive "rally". It is my firm belief that the decline was due to serious shorting by the speculators and it is not yet the time-frame the bullion banks desire for an all out price smash, so they quickly manipulated the strings, let go of some lower priced contracts and price popped up again to exactly where they wanted it. They appear to me to be interested in a very slow decline producing depression in the metals, not the schizophrenia of price instability.
If the metals crashed too quickly, it would spoil the long range plans of the elite and cause a panic before its planned time.
In gold, we have three solid weeks of long buying by the overall commercials with short selloffs on 4/8 and 4/15 and heavy purchases of longs and shorts on 4/22. On 4/15 we see phenomenal short positions taken by the large specs and the small specs. That is exactly what the bullion banks want. This is a setup.
Bullion Banks Attempting to Set Up Specs to Take the Blame for Coming PM Futures Massacre!
The bullion banks are reaffirming their intention to massacre the metals price and they do this for no other reason than to encourage the speculators to purchase more shorts. This is resulting in more and more commitment to the downside by the speculators who will be blamed for the crash to come!
Are Dimon & JPMorgan Throwing Blythe Masters Under the Bus?
Podcast: Play in new window | Download
The Doc & Eric Dubin are back for the Metals & Markets to discuss:
- Gold & silver capped by the cartel at $1300 & $22– is a big move on the horizon?
- The Dollar's death by a thousand cuts suffers numerous flesh wounds as Russia prepares major oil deal with China
- The Doc updates listeners with the state of the physical gold & silver market in the US via the eyes of SDBullion- Silver Eagles live in stock with all the Authorized Mint purchasers for the first time in 2014!
- Blythe Masters reportedly under investigation by Federal Prosecutors in Manhattan– will Blythe Masters be the first top level banker convicted in the aftermath of the financial crisis?
The Doc & Eric Dubin discuss all this and more in the latest SD Weekly Metals & Markets:
Marshall Swing: Cartel Preparing Epic Gold Raid!
There was a definite attempt last week by the cartel to dislodge the speculator shorts and cheat the people out of the notion of profiting from their intended plunge in metal prices.
In Silver we did not see much dramatic action.
BUT, what is not so dramatic in silver IS dramatic in gold.
In gold we saw a reduction in total open interest of almost 35,000 contracts! That is almost 7,000,000 (yes you read it right) 7 MILLION ounces!
Notice the commercials have the lion's share of open interest reduction, because if we add up the speculators reductions and additions, we see they are not quite a wash but absolutely MASSIVE open interest reductions on the part of the commercials. To what end? Just to drop the gold price a little? I don't think so.
Koos Jansen On Why China is the Gold Manipulation Culprit!
Podcast: Play in new window | Download
Asian gold demand expert Koos Jansen joins the show this week to discuss why:
- In the End, Everyone Will Rush to Gold!
- Gold Will Rise to At Least $1600 in 2014 on Chinese demand
- Gold to replace US dollar as global reserve currency
- Cartel smashes metals on FOMC taper, but gold completes "Golden Cross" Friday
- Koos makes the case why he believes that China Is The Real Gold Manipulation Culprit, while Eric argues that the evidence points to the US gov't
The SD Weekly Metals & Markets with guest host Koos Jansen is below:
Gerald Celente: Banker Suicides the Prequel to Global Collapse
With another JP Morgan banker falling off a roof, the Trends Journal's Gerald Celente discusses "the JPMorgan criminals" and states that the only bankers turning up dead are young lower level executives, and speculates that the high level executives are "cutting off the links that go to the top" as "you don't rig LIBOR & FOREX without the people at the top knowing about it!"
Gerald Celente's full MUST WATCH interview dissecting the recent string of bankster "suicides" is below:
JPMorgan Sells Commodities Unit to Mercuria for $3.5 Billion
It appears that silver investors' days of deriding Blythe Masters as the face of JP Morgan's alleged gold & silver manipulation may be over, as Jamie Dimon has formerly announced the sale of JPM's commodities division to Switzlerland's Mercuria for $3.5 billion.
The Morgue will however reportedly continue its global commercial gold vaulting business, as well as financial products (derivatives) and will continue to "make markets".
Perhaps Blythe should re-apply for a position at the CFTC?
Another JPMorgan Investment Banker Jumps to His Death
The string of recent banker "suicides" continues as 28 year old former JP Morgan investment banker John Bellando has reportedly jumped from his 6th floor East Side apartment balcony to his death.
Former Treasury Official: One Day the Chinese Will Buy 100 Tons of Gold, & We Won't Be Able to Make Delivery
Former Assistant Treasury Secretary Dr. Paul Craig Roberts thinks the Neoconservatives in the U.S. government want war in Ukraine. Dr. Roberts says, "They definitely want war, of course. They've wanted it ever since Reagan was President. The Neocons were always saying we have to attack the Soviet Union, and Reagan said we are not going to win anything, we are going to end it. The Neocons got to where they really disliked Reagan because he wouldn't take advantage of Soviet weakness to attack them. So, they are war minded. They produce documents that say nuclear war is winnable. So, they are basically crazy people; and, yet, they have determined the course of foreign policy since the Clinton Administration. Under George Bush, they controlled the show; and today, under Obama, the Neoconservatives control it."
On gold, Dr. Roberts says, "To protect the dollar from Quantitative Easing (QE), the Fed is selling naked shorts in the gold market to keep the gold price from rising so rapidly that it exposes the worthlessness of the dollar. . . . The physical stock of gold in the West to meet delivery demand is diminishing rapidly. So, one day the Chinese will buy 100 tons of gold, and we won't be able to make delivery. That would crash the system. It would just pop. So, there are things that could crash it suddenly. Regardless . . . the economy is going to gradually sink because there are no jobs, or no good jobs. . . So, there is not a recovery. The U.S. is a busted state. It's completely busted."
Bank Participation Report Reveals JPMorgan Engaging in a Civil War, Goes Long Gold!
The Civil War in gold continues. JPM Morgan is still NET LONG 45,000-50,000 contracts. The other 23 banks are desperately shorting gold, attempting to cap price and keep it below the technically-critical $1350-1360 area.
Which side will win in the end? That's hard to say but I certainly think it would be foolish to bet against the ultimate Masters of Darkness. I mean, seriously…the other 23 banks continue on as if it's business as usual…selling while prices rise and covering on dips…while JPM maintains it's NET LONG position acquired while price from $1800 in October of 2012 to $1200 in June of 2013.
Clearly, the other 23 banks have a lot of ammo left to use to contain rallies, but the key to 2014 and beyond continues to be JPMorgan. What will they do with their NET LONG position? Will they flip it back to NET SHORT? Will they stand for delivery?
Will they <gasp> actually add to it on continued price strength?
Death Finance: Bankers Have Never Been So Insecure
A remarkable uptick in banker suicides has raised questions with at least 6 suspicious deaths in recent weeks. Two men jumped from the top of JP Morgan skyscrapers alone (one each in London and Hong Kong).
Some observers reckon the current situation resembes a gripping 2009 thriller, "The International", which chronicled a fictional investment bank doing dubious deals and murdering with alacrity. Banker deaths in 2014 are thus being seen as allied to a massive conspiracy.
Pending toxicology reports on a third JPMorgan death, and even if we dismiss the death of a Tata motors MD in Thailand, a remarkable number of dubious deaths/suicides have occurred in recent weeks, alongside some unexplained disappearances.
Eric Sprott: Bankers Manipulate Precious Metals to Make Bonuses!
There have been some very interesting developments in the precious metals markets. BaFin, the German regulator came out & said that the main regulator said that precious metals are manipulated worse than LIBOR and that word "worse" is a very significant word in my mind.
Then when you think about some of the chronology for BaFin, they announced in the middle of November that they were going to investigate the possible fixing of gold prices or manipulating of gold prices on the London gold fix.
On the very next day, Deutsche Bank declined to continue being a member of the fixing of the London bullion market. When you think about what must have happened, my own feeling is that the regulator probably went back to Deutsche Bank having looked at their records and said, "Do you know what your boys in London have been doing here?" And of course the next day they quit the LBMA…
If you think about manipulation, there's only one reason in my mind that bankers manipulate things. They don't manipulate them for the bank to make money. They manipulate them for the employees to make bonuses.
Gold Rigging Goes Mainstream: FT Reports Evidence of "Collusive Behavior" on London Fix!
The Financial Times reports this morning that global gold prices may have been manipulated on 50% of occasions between January 2010 and December 2013, according to analysis by Fideres, a consultancy.
The findings come amid a probe by German and UK regulators into alleged manipulation of the gold price. Prices are set twice a day by Deutsche Bank, HSBC, Barclays, Bank of Nova Scotia, and Societe Generale in a process known as the London gold fixing.
Fideres' research found the gold price frequently climbs, or falls, once a twice-daily conference call between the five banks begins, peaks or troughs, almost exactly as the call ends, and then experiences a sharp reversal, a pattern it alleged may be evidence of "collusive behavior."
Fideres concluded that this "is indicative of panel banks' pushing the gold price upwards on the basis of a strategy that was likely predetermined before the start of the call in order to benefit their existing positions or pending orders."
"The behavior of the gold price is very suspicious in 50% of cases. This is not something you would expect to see if you take into account normal market factors," said Alberto Thomas, a partner at Fideres.
Banker Clean-Up: We Are At the Precipice of Something So Big, It Will Shake the Financial World to its Core!
I feel that this is one of the most important investigations I've ever done. If my findings are correct, each of us might soon experience a severe, if not crippling blow to our personal finances, the confiscation of any wealth some of us have been able to accumulate over our lifetimes, and the end of the financial world as we once knew it. The evidence to support my findings exists in the trail of dead bodies of financial executives across the globe and a missing Wall Street Journal Reporter who was working at the Dow Jones news room at the time of his disappearance. If the bodies were dots on a piece of paper, connecting them results in a sinister picture being drawn that involves global criminal activity in the financial world the likes of which is almost without precedent. It should serve as a warning that we are at the precipice of something so big, it will shake the financial world as we know it to its core.
Although the trail of mysterious and bizarre deaths detailed below begin in late January, 2014, there are others. Not only that, there will be more, according to sources within the financial world. Based on my findings, these are not mere random, tragic cases of suicide, but of the methodical silencing of individuals who had the ability to expose financial fraud at the highest levels, and the complicity of certain governmental agencies and individuals who are engaged in the greatest theft of wealth the world has ever seen.
We appear to be witnessing a clean-up where JPMorgan and Deutsche Bankers are at the epicenter of it all.


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by Patrick X. Coyle
inFocus Quarterly
Spring 2010
On January 6, students at Stanford Law School received an email from Professor George Fisher (and signed by other faculty members) discouraging them from interviewing with Air Force JAG Corps recruiters. Stanford arrogantly demanded the right to decide who their students should interview with and Dr. Fisher was eager to detail the school's lengthy fight against the Reserves Officers' Training Corp (ROTC) and "Don't Ask, Don't Tell" in his correspondence.
Since 1969, Stanford has banned ROTC because the classes that comprised the ROTC curriculum supposedly did not meet Stanford's baseline academic standards. Stanford isn't the only campus that keeps students from voluntarily serving their country. Yale, Harvard, Columbia and Emory University are but a few of the schools that don't give young people the opportunity to join ROTC and meet with military recruiters on campus.
Other schools, including The College of William & Mary, allow students to participate in ROTC, yet do not give students course credit for the military science classes that are required to complete the program. Other public schools in Virginia, such as James Madison University, award students with a minor in military science. ROTC cadets at William & Mary, however, do not receive full course credit towards graduation or for the calculation of grade point averages (GPA) after successfully completing required military science classes, leadership training laboratories, and physical education and training.
The Left's attack on students who wish to participate in ROTC or meet military recruiters has been long lasting. Liberal leaders, including President Obama, claim to support the military and ROTC when politically expedient, but their actions and appointments belie these claims.
Young America's Foundation has a history of working to protect students' rights by having the opportunity to participate in ROTC and access to military recruiters. One such example involved a Yale student, Flagg Youngblood, who was required to travel 70 miles to the University of Connecticut to participate in ROTC. The Foundation urged Congress to cut off taxpayer funding to universities hostile to the armed forces. Congressman Richard Pombo of California sponsored "The ROTC Campus Access Act" in the summer of 1995, which passed overwhelmingly and mandated anti-military colleges should stop receiving Defense Department funds. President Clinton signed the law as part of the 1996 Defense Authorization Act.
The following year, Congressman Gerald Solomon further expanded the law, mandating the cessation of all federal taxpayer funding from anti-military schools that bar military recruiters and ROTC participation by policy or practice. While the law was successfully amended, President Bill Clinton and his Defense Department thwarted enforcement of the Pombo-Solomon Amendment until he left office.
In late 2001, President George W. Bush's administration called upon law students nationwide to serve as military Judge Advocates, angering the Left as military recruiters attempted to return to campuses they had not visited since Vietnam.
In response to legal enforcement of the Pombo-Solomon amendment—now commonly referred to only as the Solomon amendment—a coalition of professors at elite law schools challenged the law's constitutionality to keep military recruiters off campus in late 2003. The Third Federal Circuit Court agreed, calling the law unconstitutional in a 2-1 opinion in November 2004 and barring Solomon enforcement.
Simultaneously at the University of California-Santa Barbara (UCSB), anti-military professors, themselves leftist radicals during Vietnam, called for the expulsion of ROTC from campus. Emboldened by the Third Circuit's Solomon decision, they harassed ROTC cadets until Young America's Foundation intervened. Holding public meetings and bringing pro-military speakers to campus—including actor and author Ben Stein, who addressed 600 students at UCSB—the Foundation helped the Santa Barbara students save ROTC.
In March 2006, the United States Supreme Court declared the Solomon Amendment constitutional with a rare unanimous 8-0 ruling. (Justice Samuel Alito had not been appointed to the court in time to hear the case argued.) Despite the historic victory, the Bush administration did not aggressively pursue Solomon enforcement.
Emboldened by the Defense Department's hesitation, leftists at the University of California-Santa Cruz disrupted two job fairs in 2005, denying students the opportunity to meet with military recruiters.
After attempts to resolve this problem with the Defense Department failed, the Foundation filed suit on behalf of the affected UC - Santa Cruz students in the fall of 2007, seeking to restore their rights by compelling the government to enforce the Solomon Amendment.
The D.C. Federal Court did not dispute the students' claims, yet it dismissed Young America's Foundation's suit because the government argued that enforcing the Solomon Amendment would not affect UC-Santa Cruz or the Left's behavior towards campus military recruiters.
During his presidential bid, Barack Obama stated that students should have military service opportunities on campus. During an appearance at Columbia University on September 11, 2008, he said, "The notion that young people...anywhere, in any university, aren't offered the choice, the option of participating in military service, I think is a mistake."
However, since taking office he has appointed individuals openly hostile to ROTC and military service. His solicitor general, Harvard Law School Dean Elena Kagan, believes the military should be banned from campus. In a 2005 letter about military recruiting, Kagan arrogantly called the military's recruiting policy "discriminatory," "deeply wrong," "unwise," and "unjust."
Kagan fought all the way to the United States Supreme Court to deny students their Constitutional rights. In the litigation of Rumsfeld v. FAIR, Elena Kagan filed amicus briefs with the Third Circuit Court and the United States Supreme Court to institutionalize discrimination against the military and students who wish to serve which, as mentioned above, the Supreme Court struck-down.
President Obama has not once encouraged his young supporters to enroll in the military. These are the same activists, who repeatedly called supporters of America's war against radical jihadists, "Chickenhawks" yet they will not support their own President's military efforts in Afghanistan or anywhere else.
Many on the Left will argue that their continued opposition to ROTC and military recruiters is only because of the "Don't Ask, Don't Tell" policy. Obama is currently working to overturn that policy and the outcome is still undecided. Regardless of the result, it is important to remember that the Left's opposition to ROTC and military recruiters began long before that policy was ever enacted.
Congress has the sole discretion to establish the qualifications for and conditions of service in our nation's military. If leftists disagree with the "Don't Ask, Don't Tell" policy, they should work to persuade their members of Congress. Those who wish to serve in the military should not be punished for policies over which they have no control.
Furthermore, preventing students from joining the military hurts everyone's right to live as they wish. Students who are willing to defend this country and our freedoms should be honored as heroes. We ought to salute them for offering to risk their lives on our behalf, and we should not stigmatize them or treat them as second-class citizens.
Anti-military professors and activists on campus must recognize that their ability to dissent would not exist were it not for the willingness of their fellow citizens to take up arms in liberty's defense. When America's freedoms are threatened, the United States military stands up to the enemies of freedom around the globe and helps to protect the American way of life. The campus left once again argues against freedom's cause.
Patrick X. Coyle is vice president of Young America's Foundation.
Patrick X. Coyle is vice president of Young America's Foundation.
Related Topics: Campus Issues | Spring 2010 inFocus
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- Burkina FasoRetailFunding via Agence Communautaire pour le Financement de la Micro Entreprise (ACFIME)
Wezenidibam...Burkina FasoFoodFunding via Agence Communautaire pour le Financement de la Micro Entreprise (ACFIME)
Pengdewende...Burkina FasoAgricultureFunding via Micro Start/AFD
Zoodnooma De Zongo Group
Update on Zoodnooma De Zongo GroupMs. PINGDWENDESAFIATOU represents the group ZOODNOOMA DE ZONGO. She is in good health. She is a married mother of two children. The oldest is 6 years old, and the youngest is 4. One of them goes to school. She has two persons to support.
She has been selling clothing and ointments for two years. She gets her supplies at the Sector 10 market. Her customers including men, women, and new mothers.
She wants to purchase 6 lengths of 'pagnes' (the colorful cloth of western Africa), 4 dozen of children's clothing, and 30 containers of different ointments. She wants to save her profits. Her ambition is to improve her business, help her brothers with their schooling costs, and help her father to build a house.
Mme vend des habits et pommades depuis 02ans. Elle s'approvisionne au marché de secteur 10. Ses clients sont les hommes, femmes et les nouvelles mamans.
Elle veut s'acheter 06 pièces de pagnes, 04 douzaines d'habits pour enfants et 30 boites de différentes pommades.
Elle veut épargner ses bénéfices. Mme ambitionne améliorer son activité, aider ses frères pour leur scolarisation et aider son père à construire une maison d'habitation.
Previous Loan DetailsMrs. PINGDWENDE SAFIATOU is the leader of the group ZOODNOOMA DE ZONGO. She is a married mother of two children aged 4 and 6, one of them in school. She supports one person. Mrs. PINGDWENDE SAFIATOU has been selling clothing and pomades for two years. She buys her merchandise at the market of ... More from Zoodnooma De Zongo Group's previous loan »
Additional Information
About Micro Start/AFDThis loan is administered by Micro Start/AFD, Kiva's first Field Partner in Burkina Faso. Micro Start/AFD's mission is to improve families' living conditions in general, and those of women in particular, by facilitating access to financial and non-financial services.
Micro Start/AFD is a professional microfinance institution offering financial services, advice, and training. One of the organization's principal aims is to collect obligatory and voluntary savings that foster clients' financial independence. Micro Start/AFD also focuses on building female entrepreneurs' skills in management and business administration and improving the living conditions in its clients' communities. More information can be found on Micro Start's Kiva Field Partner Page.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Burkina Faso
4View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Dec 28, 2012
- Listed
- Jan 23, 2013
- Currency Exchange Loss:
- Possible
- Ended:
- Jul 17, 2013


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Winslow & Johnny Cocco, "Chicks With Hits"
Check out this new mixtape series of girl group singles from the '80s and '90s called "Chicks With Hits." The first one just came out and guess what? It's a fantastic ride through your teens! Concrete Blonde is in there. The Cranberries are in there. Siouxsie is in there. Deniece Williams is in there. And it's free.
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AWH Partners is a privately held real estate investment, development and management firm formed by alumni of The Blackstone Group and The Related Companies. Since 2010, AWH and its principals, Russ Flicker, Jon Rosenfeld, Chad Cooley and Bernard Michael, have amassed a portfolio in excess of $900 million. In early 2012, AWH acquired Lane Hospitality, which it rebranded as Spire Hospitality, a top-tier national hospitality platform formed in 1980, to expand AWH's capabilities in the hospitality sector by aligning its institutional investment expertise with Lane's first class operating platform and industry-leading executive team.Read More
Source: Wall Street Journal A venture of two investment firms is making a contrarian bet on full-service hotels, acquiring a 1,004-room hotel in Orlando at a time when investors have been shying away from this segment of the market. The venture of AWH Partners, of New York, and Building and Land Technology, of New Haven, […]Continue Reading


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To quickly clean your blender, fill the container half-full with hot water. Add a few drops of liquid dish soap, then cover. Blend on high speed for 30 seconds. Pour wash water out and rinse with fresh hot water.
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Italian in Albuquerque
It's one of Europe's most dominant languages. 64 million people speak it as their first language. And when counting second language learners, the language boasts a whopping community of 85 million speakers worldwide. Italian speakers are sprouting up around the world, as it quickly becomes one of today's most popular romance languages.
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The US has no official language.
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l'italiano gli risponde: "si ma tu l'hai vista l'asta?"
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Italian Courses in Albuquerque (closed group)
Our Italian courses are also available for small groups studying together (Two-to-One Italian Course or In-Company Small Group Italian Course). All participants must have the same language needs, be able to study at the same time at the same place and be at the same level. All participants should be booked at the same time. Language Trainers suggest that you do not look for classes with more than 8 students at one time. However, an In-Company Taster Italian Course can contain a maximum of 12 people.
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Noha is a native Arabic speaker who was born and raised in Egypt. She has an extensive educational background, and has taught Arabic at several universities, including the University of New Mexico, where she is currently obtaining a PhD in the Language, Literacy, and Sociocultural Studies program.
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My car is using oil and there are no signs of external leaks. The dealer replaced the egr valve but it didn't fix the problem. In 4 months it had almost no oil in it. What is causing this? When you have the car running and remove the dip stick or oil cap, it idles rough. Is that normal?
by deb2414 in Flemingsburg, KY on December 25, 2011


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text: I have a desktop machine and it is been installed with Windows 7. I have purchased Blackberry 8220 phone and have the Media Manager application. The problem is that it is not getting installed to the system. I do not know what could be the reason for the same. Please do help me out so that I can make the application to be installed well and work as needed. It would be a great help.


text:
NCI Dictionary of Cancer Terms
The NCI Dictionary of Cancer Terms features 7,926 terms related to cancer and medicine.
Browse the dictionary by selecting a letter of the alphabet or by entering a cancer-related word or phrase in the search box.
- poly (ADP-ribose) polymerase inhibitor
- listen (PAH-lee (... RY-bose) puh-LIH-meh-rays in-HIH-bih-ter)
- A substance that blocks an enzyme in cells called PARP. PARP helps repair DNA when it becomes damaged. DNA damage may be caused by many things, including exposure to UV light, radiation, certain anticancer drugs, or other substances in the environment. In cancer treatment, blocking PARP may help keep cancer cells from repairing their damaged DNA, causing them to die. Poly (ADP-ribose) polymerase inhibitors are a type of targeted therapy. Also called PARP inhibitor.


text:
There is one client machine that has processing issues. I can't find driver updates that look like they fix this.
And we have other machines with similar software setups that are working fine. (Windows XP SP3)
I can duplicate the issue by doing the following. Open any program that hasn't been opened in a while (so it's not in memory anywhere, for example Photoshop)
What happens is that all other processing on the machine slows to a crawl. And the application takes a long time to open. (same with the bootup time for the machine, it's abnormally long)
And working with the application is very unresponsive for a few minutes.
The funny thing is that you can listen to the computer process when you have music on (any program) since the music stops and stutters in line with the processing the computer is doing.
We have Sophos as the virus scanner and we have tried defragging the machine with jkdefrag, cleaning up and temp files, deleting any unused programs and dust cleaning the computer.
I don't wanna format just yet if it's something known.
Turning off the Sophos services did nothing.
I tried perfmon and what happens is I get spikes on Pages/sec and Disk queue length where disc queue length stays well over 100% for the whole time and Pages/sec goes well over that.
I'm going to look at the Dell diagnostics next.


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Funding via SEF International
Rano N. has been an active client of MicroInvest since 2004. She first applied to MicroInvest when she decided to open a business selling food products. Rano started from a small-scale business but now she has a mini-market. She is an executive client so she takes a step-by-step loan procedure and increases the sum with each loan.
Rano has a good assortment in her market, trading in coffee, sweets, oil, preserved vegetables and more. Rano is now applying to Kiva for a business development loan of 4000 STJ over four months. She will use the loan to buy a refrigerator and to open a meat selling department. She plans to trade meat, sausages, salami and other items. She thanks Kiva and wishes all the best.
Success!! The loan was 100% repaid


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Synergetic Blog
Financial and Investment Expert Joseph M. Maas Publishes Second Book – 401(k) Insight: Getting to "Retired!"
Joseph M. Maas, CFA, CVA, ABAR, CM&AA, CFP®, ChFC, CLU®, MSFS, CCIM, a Principal and Investment Advisor with Seattle-based Synergy Financial Management, LLC, has published the second book in his Insight Series, 401(k) Insight: Getting to "Retired!"
Active for over 23 years in the financial services and investment industries, Maas is an expert with helping business owners establish a 401(k) that benefits the company with reduced taxes, and increases retirement savings for both the owner and employees. John A. Flavin, a Certified Financial Planner, joins Mr. Maas as co-author.
This 280-page, soft-cover book addresses two audiences. For the business owner, the book details the steps involved with creating a 401(k), guiding the owner with understanding the financial value of having a 401(k), the sponsor's role and responsibilities, and familiarity with the RFP process when hiring the professionals who service the plan.
For the employees, Maas and Flavin explain the value of this outstanding financial opportunity and describe how employees can use their 401(k) to build a retirement fund that creates a comfortable lifestyle for their elder years. Maas and Flavin use an in-depth case study of Linda Nelson, a fictional woman in her late 20s who is contemplating her financial future and retirement. The authors demonstrate how Linda can achieve her financial goals with careful planning, and model the decision-making process through Linda's experience.
Easy-to-follow charts and illustrations provide business owners with a step-by-step guide to starting a 401(k) plan, and employees with knowing how to take full advantage of this wonderful financial instrument for retirement saving and investing.
401(k) Insight: Getting to "Retired!" is the second book of the Insight Series that guides business owners and professionals toward long-term financial success. The premier book, Exit Insight: Getting to "Sold!", focuses on teaching business owners how to prepare for the sale of their businesses. Future books will share Maas' expertise and insight on investing, and with starting a new business.
401(k) Insight: Getting to "Retired!" is available for $24.95 at Merrell Publishing and Amazon.com. To learn more about this book, please contact author Joseph M. Maas at 206-386-5455 or email@example.com.
About Joseph M. Maas
Joe Maas, CFA, CVA, ABAR, CM&AA, CFP®, ChFC, CLU®, MSFS, CCIM, is an unusual financial advisor because he is certified in so many areas of expertise. Maas has earned certificates from nine prestigious organizations. With over two decades of financial industry experience, he offers refined professional advisory skills to business owners, private wealth clients, and trusts. Maas established his company, Synergetic Finance, to provide personalized financial service, customized for each client's unique circumstances. With a team of capable and broadly experienced financial advisors, Maas provides a complete mix of integrated financial services.
About John A. Flavin
John Flavin is a managing principal with Synergy Financial Management. In this role, John coordinates the efforts of Synergy's other team members in executing the financial planning and investment process. After completing a postgraduate program in Baltimore, Maryland, John moved to Seattle and began his career in financial services. Mr. Flavin holds the CFP, AIF, CLU, ChFC, and CCIM designations.
For more information, please contact:
Joseph Maas, CFA, CVA, ABAR, CM&AA, CFP®, ChFC, CLU®, MSFS, CCIM
Synergy Financial Management, LLC
701 5th Ave., Ste. 3520, Seattle, WA 98104
Tax Exempt Income vs. Tax Deferred Income
It's tax time and everyone wants to know how to reduce their income tax liability. While it may be too late to make changes that impact 2014, you've got plenty of time to make changes for 2015. As you do so, keep in mind the differences between tax exempt and tax deferred income.
Tax exempt income:
Many tax-exempt investments are available that provide interest without taxation. Most common are municipal bonds issued for various government operations like building roads, schools, libraries, etc. These are issued free of federal tax, and may also be free of city and state taxes if the purchaser resides in the locale. Your financial planner will guide you with selecting the best tax exempt investments for your portfolio by comparing the after-tax return rate with other investments of similar risk, so you receive the best return available.
Your financial planner will also advise that though the interest is tax exempt, you may be liable for capital gains tax when these bonds are sold. Tax free growth is one of the most potent investment opportunities available, but there are many rules and tactics to contemplate when considering tax exempt income, and your advisor will help you select the best choice for you.
Tax-deferred income:
With tax deferred income, the return on these investments is not taxed until it is withdrawn. Therefore, earnings continue to grow without the restriction of taxation, making these investments another formidable opportunity for investment growth. As these investments have a time-value advantage, your estate may not need to withdraw any earnings for quite a while, at which time you may be retired and in a lower tax bracket.
The preceding text is an excerpt from "Exit Insight: Getting to 'Sold!'" by author Joseph M. Maas, available for purchase online at Merrell Publishing or Amazon.
Want more information on income taxes and how to reduce your income tax liability? The financial planning experts at Synergetic Finance are ready to help! Contact us and we'll explain the ins and outs of tax planning and help you make smart choices to reduce your tax liability.
Alternative Minimum Tax and Capital Gains Tax
While there are a seemingly endless variety of taxes that local, state and the federal government imposes on citizens, here are two taxes that are worth a quick description because these may impact you directly.
- The Alternative Minimum Tax (AMT): The AMT is mostly focused on individuals, C corporations, estates and trusts with high income to ensure that these entities don't completely escape federal-level income tax through the adroit use of deductions, credits and exclusions they may employ. This way, these entities pay income tax through the AMT's alternative tax system.
- Capital Gains Tax: A capital gain occurs when a capital asset such as stocks, land, buildings or equipment is sold at a higher price than the price of its original purchase. The capital gain is the difference between the two prices. If one of your assets has a capital gain when it's sold, you have incurred a tax liability on the appreciated value. However, since the current highest tax rate for ordinary income is presently 39.6% and the current highest tax rate for capital gains is presently 20%, or almost half, it's to your tax-savings advantage if you can precipitate more capital gains, either by selling capital assets or earning certain dividends that are taxed at capital gains' tax rates.
The preceding text is an excerpt from "Exit Insight: Getting to 'Sold!'" by author Joseph M. Maas, available for purchase online at Merrell Publishing or Amazon.
Want more information on income taxes and how to reduce your income tax liability? The financial planning experts at Synergetic Finance are ready to help! Contact us and we'll explain the ins and outs of tax planning and help you make smart choices to reduce your tax liability.
Planning for Income Tax Reduction
The purpose of planning a tax strategy on the income you receive is to limit the amount of federal income tax you would otherwise have to pay. There are several ways to do this so you can save your hard-earned money, such as reducing your taxable income, or perhaps deferring income to another tax year, or choosing to shift income to family members in lower tax brackets. Other strategies include investment tax planning, deduction planning, and year-end strategies that reduce your estate's income tax so you preserve as much of your wealth as possible.
Defer Your Income: By postponing income in the current tax year until a future year, you may be able to reduce your immediate tax liabilities, and also be in a lower tax bracket as well, saving taxes in two ways. An arrangement like this is possible with certain retirement plans, or you may be able to structure the sale of your business so that you receive income from the sale on a schedule.
Shift Income to Family Members: Federal income tax liabilities can also be reduced by shifting income to other members of your family who are in lower tax brackets. You may own a stock that generates a lot of dividend income; when you gift the stock, the tax responsibility is shifted, assuming you don't exceed the $13,000 ceiling on tax-free gifts. A family limited partnership might also be an appropriate way to shift income so tax liabilities can be reduced. As you realize, there are a number of factors involved when income shifting to family members, including children, in a C corporation, an S corporation, or a Family Limited Partnership. A tax advisor will advise you on the feasibility of these and other tactics, and all the pertinent details you'll need to know and consider.
Deduction Planning: By claiming all the deductions to which you are entitled, you may be able to significantly reduce your income tax liabilities. In addition, you may be able to control whether a deduction is best placed in one year or another, to provide a greater reduction in your tax liability.
Timing Strategies: By consulting with your financial planner, you will have the benefit of premeditated investment choices that control your vulnerability to taxation. Tax-exempt securities could be a good asset class for you, as well as timing the sale of capital assets. Generally, long-term capital gains (ownership of over one year) are taxed at a lower rate than ordinary income, so holding assets for over a year may contribute to a tax saving. Your financial planner will be indispensable for the value of professional advice he can provide.
Year-End Tax Planning: Because year-end planning is conducted in the last quarter of the year, a more factual tax strategy can be implemented because much of what has occurred during the year is known, or can be anticipated. Your financial planner may now be more precise with recommendations to delay income for subsequent years, and more specific about deductions you should take or delay to limit your estate's tax exposure.
The preceding text is an excerpt from "Exit Insight: Getting to 'Sold!'" by author Joseph M. Maas, available for purchase online at Merrell Publishing or Amazon.
Want more information on how to reduce your income tax liability? Contact Synergetic Finance. We can answer your questions and advise you on the many options available to you.
The Purpose of Risk Management
There is a great variety of risk in our lives, and mitigating these risks is an intelligent response to achieve financial self-preservation.
Personal risk
When considering insurance as a means for financial protection, two main issues must be considered and resolved:
- Your ability to accept the financial risk inherent in insurance policy protection, and
- Your willingness to weather the volatility that sometimes accompanies insurance policies' value development
There are two main reasons for purchasing insurance policies:
- To protect your financial well-being
- To accumulate cash
- And: a combination of the two
Insurance as a source of financial support for dependents
Insurance can be an excellent tool for providing financial support to the surviving family members. Funds from insurance policies can be used for the typical household expenses of paying bills, maintaining mortgage payments, purchasing food, clothing and health care, and can also be applied to education, day care, legal fees, or business costs.
Insurance to service debt
Insurance is also an effective means for providing resources to pay off a mortgage, vehicle loans, credit card debt, and debts such as college or business loans. Death does not terminate the estate's obligation to pay back these debts, and an insurance policy could be very useful for preserving your survivors' finances.
Insurance for personal uses
Insurance policies can also be a great resource during your lifetime. Cash value life insurance policies can potentially accumulate cash you can use for any purpose through a policy loan, or policy termination if circumstances warrant. If you terminate your policy, you would pay taxes on the funds you receive, possibly at a favorable rate.
Assessing your personal needs
Initially, you and your insurance advisor or financial planner should analyze your need for insurance to determine if life insurance fits well into your estate's strategic plan. The key focus will be to understand the result of your family's financial situation if the main financial contributor were to die. This analysis of your family's needs will be a review of the death's effect on income, existing assets, indebtedness, and living expenses in the future.
Insurance policies can assist with retirement needs, estate and tax planning, educational support for family members, etc. A careful review will determine if your situation would benefit from insurance, and if so, how much should be acquired and what type of policy is best suited for your purposes.
Insurance company risk?
Your advisor should recommend purchasing insurance only from absolutely sound insurance companies. Insurance companies are rated by independent services that assess the financial strength of these companies, and their ability to pay claims. Some of the best rating services are Standard & Poor's, AM Best, and Moody's. Your advisor should recommend purchases with high ratings from these companies.
Two types of policies
Term insurance provides only financial protection and has no cash value component. Upon your death, the insurance company pays your beneficiaries.
Term insurance is like renting. You pay rent, and when you leave, you take no equity with you. It provides only financial protection and has no cash value component. Upon your death, the insurance company pays your beneficiaries.
Cash value policies are like owning a home. You can build equity, and when you sell your home, you may even make a profit. They provide a death benefit, and after a period of time, cash value may have accrued and can be loaned to you, or paid out when the policy is terminated.
While there are many other types of polices available, they are all a variation of these two basic types. The right type for you depends on your circumstances.
The preceding text is an excerpt from "Exit Insight: Getting to 'Sold!'" by author Joseph M. Maas, available for purchase online at Merrell Publishing or Amazon.
Have questions? Wonder what types of policies will reduce your particular risks? Contact Synergetic Finance. We can answer your questions and advise you on the right types of risk management for your needs.
FAQ: What are some of the different types of trusts?
In our most recent post, we gave a brief overview of trusts and why a business owner might need one as part of an estate planning package. In this post, we'll explain a few other types of trusts, although our list is not all-inclusive. Synergetic Finance founder and author Joseph M. Maas explains trusts in his book, "Exit Insight: 'Getting to 'Sold!'" The following is an excerpt from pages 180-182.
Other Types of Trusts
The following is not a full listing of the many trusts available to you, but is intended instead to demonstrate there are myriad choices available to serve your estate according to the strategic plan you and your financial planner have created.
The basic plan is to retain as much of your estate's value as possible by limiting tax liability, and transferring your estate's properties efficiently to your beneficiaries. Each person's circumstances are unique, so the assortment of trusts from which you can choose provides opportunity to protect the wealth you've worked so hard to build. Critical to this endeavor is using the trained skills and talents of a professional and independent financial planner who understands your goals and can guide you toward achieving them.
- Irrevocable Life Insurance Trusts: By shifting your life insurance policies into a trust, these policies avoid probate, the proceeds are also kept out of your estate, and you ensure that your beneficiaries have liquidity to help them through the transitional period following your death. In addition, though you lose the capacity to exercise complete control, additional advantages are that the assets cannot be claimed by creditors, you can name your trustee and specify how the policy proceeds are to be invested, and you can also specify the timing of when the trust's beneficiaries will receive their proceeds.
- Revocable Life Insurance Trusts: While a revocable life insurance trust won't provide protection from tax liabilities, it does offer other benefits that may be attractive, such as controlling the trust by yourself or through a professional manager; you can make adjustments according to your life's changing circumstances of birth, death, divorce, and marriage; and among a variety of other details you will discuss with your planner, including both various advantages and disadvantages, you have shielded these assets from probate.
- Bypass Trust: The assets in this trust bypass the surviving spouse's gross estate, allowing the surviving spouse to potentially receive distributions without triggering tax liabilities, assuming certain parameters are maintained. This trust is best employed with assets that are expected to appreciate in value.
- Marital Trust: A marital trust, known also as an "A" trust, is established for the use of the surviving spouse and the children of the married couple. The marital trust effectuates on the death of the spouse, at which time identified assets are moved into the trust, and income generated by the assets, and sometimes the principal, can be used by the spouse. These assets avoid probate and prevent taxation.Then, upon the death of the surviving spouse, the marital trust can be used with a credit shelter trust, also known as a "B" trust and a bypass trust. The purpose of a B trust is to assure that the assets go to the married couple's children, not to the new children of the surviving spouse if there is a remarriage with children.
- The A – B Trust: Also known as a 'credit shelter trust, or CST, the A – B trust is the name given when the two trusts described above are used to work together. In further explanation, assets are transferred to the beneficiaries, normally the couple's children, but the surviving spouse retains rights to the assets and the generated income for the rest of their life.
- The Qualified Terminable Interest Property (QTIP) Trust: This trust provides income and sometimes the principal for the use of the surviving spouse, and then for the allocation of the assets after the surviving spouse has died.
- Trusts to Provide for a Dependent with a Disability: In this case, any of several different types of trusts can be established to benefit an individual with a disability, providing supplemental resources for this person's well-being without jeopardizing the ability to also receive the assistance of public funds. Supplementation may be for additional nursing care, public housing cost differentials, travel expenses for visits by the family to the individual, and any expenditures which benefit the individual without disqualifying the person from any public assistance program.
- Trusts for Minors: As you might imagine, there are also a variety of trusts available for minors.There is the 'discretionary trust', also known as the 'minor's trust' which permits tax deductible financial gifts to a minor until they turn 21; it is defined by the Internal Revenue Code, Section 2503(c).
The 'mandatory income trust' or 'income trust' provides an annual income for a minor's care and welfare. The income is taxable, but the donor may avoid taxes depending on their meeting the annual gift tax exclusion requirements. This trust is defined by the Internal Revenue Code, Section 2503(b).
The 'Crummey trust', named after the first person to use it, provides that the beneficiary has a set time, usually 30 days, to use the newest deposit to the trust; if the newest contribution goes unused, those funds are then added to the inaccessible portion of the trust and released later according to the terms of the trust. This is a 'use it or save it' trust.
It's easy to see there are a variety of trusts available for a variety of purposes, and many more than are mentioned here. As always, it's important to remember that you don't know what you don't know, so it's the wise person who seeks the counsel of trained professionals who can then provide guidance on the array of choices, and work with you to select the best path to achieve your goals and satisfaction.
Copyright © Joseph M. Maas for Merrell Publishing 2014-2015
We hope these excerpts have given you a helpful summary about trusts and the various types. If you have questions about trusts or how they can assist you with your exit and estate planning, please let us know. Click here to send us an email or call us at 206-386-5455.
Want more information about exit planning, estate planning or trusts? Buy a copy of "Exit Insight" online now at Merrell Publishing or Amazon. A small investment today will give you great peace of mind later!
FAQ: What is a trust and why do I need one?
Part of every business owner's exit strategy should include estate planning. Estate planning often includes a trust, but what is a trust and why do I need one? Synergetic Finance founder and author Joseph M. Maas explains trusts in his book, "Exit Insight: 'Getting to 'Sold!'" The following is an excerpt from pages 179-180.
A trust is an arrangement in which property is held by one party for the use of another, and it is formidable in establishing how the property within the trust will be used and maintained.
There are a variety of trusts to choose from, each having a specific purpose. Your financial planner will discuss your options with you, and together you can select the trusts that best fit with your strategic plan to maximize your estate and minimize your taxes and costs. Here is an explanation of some of the trusts that are available.
Revocable Living Trust
A revocable trust, also called a revocable living trust, is a trust that can be altered or revoked by the trustor at any time. This allows the person who created the trust to keep complete control of the included property while also removing the property from the probate process. Should death occur, the trust becomes irrevocable and the trust controls the distribution of its included properties, not the decedent's will. A revocable trust avoids probate, avoids public knowledge of its contents, avoids inclusion if the deceased's will is contested in court, and provides a course of action in case of incompetence or incapacity.
There are details to know, and your financial planner will safeguard your estate with ongoing diligence as circumstances change. Some properties are best not included, such as certain depreciating assets and S corporation stock, and there are a variety of issues that will be either applicable or irrelevant, such as making gifts from your revocable living trust. Your planner is expert with guiding your path through the many trust considerations available to you.
Irrevocable Trust
An irrevocable trust is a trust that cannot be changed by the trustor, and can only be modified by the beneficiary of the trust. An irrevocable trust benefits the trustor by removing the property from the trustor's estate, which eliminates the property from probate and tax liability, as well as any income generated by the assets. Property held in trust can be a business, life insurance policies, cash, investment property like stocks, bonds, and real estate, and more.
Copyright © Joseph M. Maas for Merrell Publishing 2014-2015
In our next post, we'll talk about other types of trusts. If you have questions in the meantime, however, please let us know. Click here to send us an email or phone us at 206-386-5455.
Want more information about exit planning or estate planning? Buy a copy of "Exit Insight" for online at Merrell Publishing or Amazon. A small investment today will give you great peace of mind later!
FAQ: What is the standard of value? Part 2 of 2
In our last post, we started a discussion of standard of value, giving a brief overview and explaining Fair Market Value. In this post, we'll cover book value, intrinsic value and investment value. The following is an excerpt from pages 90-93 of "Exit Insight: Getting to 'Sold!'"
Book value
The third type of valuation standard is Book Value, which is actually an accounting term. Book Value is not often used in a business valuation because the value as registered in the company's financial books is not necessarily a true representation of the entity's value.
Book Value is derived from a business's balance sheet of assets, liabilities, and the owner's equity. Here is a formula that represents the relationship of these elements:
Assets = Liabilities + Owners Equity
Continuing this explanation, you'll see in the formula below that Book Value equals the business's net assets minus its liabilities as measured by historical costs. (Net assets are assets at historical costs minus accumulated depreciation, amortization and any depletion.)
Book Value = Assets – Liabilities
Yet another way of understanding Book Value is that it is the owner's equity:
Owner's Equity = Assets – Liabilities
Book Value = Owner's Equity
Intrinsic value
To determine the Intrinsic Value of a business, a valuator will compare the difference between the business's value as calculated through a valuation with the value of the business being traded in the open market.
Expressing this numerically, if Acme, Inc. is trading in the market at $50.00 per share, but the value of the company is $75.00 per share when analyzed by a valuation professional, then Acme, Inc. has $25.00 of intrinsic value. $75.00 – $50.00 = $25.00.
By this method, the Acme, Inc. stock is evidently undervalued, so an investor who noticed the opportunity this discrepancy provides could purchase the stock at $50.00 with the expectation that the stock will rise toward its true Intrinsic Value as other investors perceive the same opportunity. Of course, there is no guarantee that Acme, Inc. stock will appreciate to its Intrinsic Value, or, if it does, how long the appreciation will take.
Investment value
Though largely a subjective valuation, Investment Value is determined by the abilities of an investor to perceive an opportunity and take action based on their skills and experience with appraising a situation. An investor calculates the opportunity using knowledge, risk analysis, return characteristics, earnings expectations and a variety of other assessment techniques. Here is an example to explain Investment Value:
The investment being appraised is a 100-unit apartment building offered for sale in a desirable community. Three investors are interested in purchasing this building as an investment for upgrade and resale.
The first investor's business model is investing and managing apartment buildings, and he values the building at $100,000 per door for a total value of $10,000,000 (100 units x $100,000 = $10,000,000).
The second investor's business model is buying apartment buildings and converting them to condominiums; he then sells them at a premium. This investor values the property at $150,000 per door for a total value of $15,000,000. (100 units x $150,000 = $15,000,000).
The third investor's business model is buying properties and redeveloping them to their greatest potential for return. He can afford to pay $200,000 per door for a total of $20,000,000. (100 units x $200,000 = $20,000,000).
Figure 34: Standard of Value Example
|Value Perspective
|Business Intention
|Investor 1
|Manage apartments
|Investor 2
|Convert to condos/resell
|Investor 3
|Development project
Which investor's perception of the apartment building's value is the right one? Each investor saw a different opportunity and a different Investment Value based on their perception of a familiar outcome.
All three investors are correct with their individual valuations because each of them perceived a unique value based on their knowledge and abilities. This is Investment Value.
Copyright © Joseph M. Maas for Merrell Publishing 2014-2015
If you are in need of a business valuation or wonder how this information applies to your business, click here to email us or call us at 206-386-5455. We'd be happy to answer any questions you might have.
Want more information about exit planning or business valuations? Buy a copy of "Exit Insight" for online at Merrell Publishing or Amazon. A small investment today will give you great peace of mind later!
FAQ: What is the standard of value? Part 1 of 2
One of Synergetic Finance's services is to provide company valuations to business owners. Because performing a business valuation can be complex, Synergetic Finance founder and author Joseph M. Maas explains how it works and what the standard of value means in his book, "Exit Insight: Getting to 'Sold!'" The following is an excerpt from pages 87-90.
The Standard of Value
Determining the value of a business is a complicated task because there are different standards of value. Your valuation advisor must be knowledgeable in selecting the value standard that best suits your purpose because the conclusions of one standard will be quite different from the conclusions of another, and the material difference is likely to be substantial.
For example, when appraising the value of a business for the purpose of a third party sale, 'investment value' is the appropriate choice. But, if appraising a business by order of a court for litigation purposes, then the standard of value will be defined by statute. In addition, if the wrong standard is applied, the conclusions will invalidate the entire proceeding.
There are five standards of value common in valuation proceedings. This review will provide a more complete understanding of how businesses are valued, affording you a broader knowledge of how your business, or the one you wish to acquire, will be analyzed and judged.
The figure below shows four of these standards and provides only a simple representation of why one or another might be a favored choice given a particular situation.
Types of Value
Fair Market Value (FMV):
The most common definition of value used in the business valuation process is Fair Market Value. Its popularity is based on IRS Revenue Ruling 59-60, which is the basis for all Federal tax decisions, and is used by the IRS and the courts. Because of its governmental favor, valuation professionals gain valuable guidance on performing the valuation. Here is the wording of IRS Revenue Ruling 59-60, defining Fair Market Value:
"The price at which the property would change hands between a willing buyer and a willing seller, when the former is not under any compulsion to buy and the latter is not under any compulsion to sell, bother parties having reasonable knowledge of relevant facts."
Another worthy definition of FMV is voiced by The International Glossary of Business Valuation Terms:
"The price, expressed in terms of cash equivalents, at which property would change hands between a hypothetical willing and able buyer and a hypothetical willing and able seller, acting at arm's length in an open and unrestricted market, when neither is under compulsion to buy or sell and when both have reasonable knowledge of the relevant facts."
Fair value:
Defining Fair Value is a bit more nebulous, as its definition is the cause for debate, and sometimes differs from state to state.
When engaged in a valuation project, valuators will wisely request that the attorney hired specifically to oversee the valuation provide the definition of Fair Value applicable to the statutes of the jurisdiction."
Copyright © Joseph M. Maas for Merrell Publishing 2014-2015
In our next post, we'll discuss three other standards of value: book value, intrinsic value and investment value. If you have any questions in the meantime, click here to email us or call us at 206-386-5455.
Want more information about exit planning or business valuations? Buy a copy of "Exit Insight" for online at Merrell Publishing or Amazon. A small investment today will give you great peace of mind later!
Exit Insight: sale proceeds from your business
The following is an excerpt from "Exit Insight: Getting to Sold!" (pp. 157-158) available on Amazon.com and Merrell Publishing:
The third element contributing substantially to your retirement lifestyle is the money you receive from the sale of your business. Most business owners do not know the true value of their business, heavily overestimating its worth as we have mentioned repeatedly. This is a huge detriment because if you do not know its value, you are unable to calculate whether or not you are due for a dear or a dire retirement.
The after-tax proceeds from the sale of your business are critical to your retirement comfort. Most business owners assume a happy ending, foolishly confident that a buyer will be ready and waiting to purchase the business at the asking price when the day comes. Yet the chances of that happening are remote without preparation and planning. Just as you would dress up your home for curb appeal, fix the leaks, mow the backyard and put flowers on the dining room table, your business may require several years of carefully considered adjustments to prepare it for sale, so it stands out from the flood of other businesses begging to be bought.
Consulting with a master financial planner trained in understanding a variety of ways to strategically synthesize the fiscal tools available to you for reducing taxes, improving your business's appeal, increasing your portfolio's value, and providing the most funds for your retirement lifestyle is the most lucrative and sensible investment you can make.
Whether your financial accordion's bellows need some steady pushing, the tone chamber requires an adjustment, or the reeds have to be replaced with new ones, your master financial planner will make the accordion sing and the hall dance to the tune of your retirement success.
Do you wonder if the proceeds from the sale of your business will be enough? Don't wonder any more. Contact the experts at Synergetic Finance now to find out how much your business is worth today, so you can plan for tomorrow.
To your success,
Joseph M. Maas, CFA, CVA, ABAR, CM&AA, CFP®, ChFC, CLU®, MSFS, CCIM
Synergetic Finance
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Current volunteer opportunities for the Sioux Falls region
Thank you for your interest in volunteering at Sanford Health. Below is a list of current volunteer opportunities at Sanford Health in the Sioux Falls region.
Do you want to volunteer and get some exercise at the same time? Are you a real people person? If so, you would make a great volunteer in Admissions. Admissions escorts at Sanford provide a warm welcome to patients and escort patients to test areas or patient rooms.
To provide patient support to newly diagnosed breast cancer patients. This may include sitting with the patient, holding their hand, talking with the patient on the phone, sharing personal stories about one's own experience and assisting in comfort measures that are meaningful to the patient. The volunteer would not be responsible for any direct patient care requiring medical knowledge or provide medical information.
Volunteer pianist at the Sanford Medical Center perform beautiful music on the grand piano in the main lobby.
This role supports the work of the Operating Room department by performing various tasks related to the material/physical support of the unit. These include, but are not limited to, routine housekeeping, supply management, and patient transport. Examples: OR room turnovers, cleaning and disinfecting equipment, stocking supplies, clerical duties, changing O2 Tanks, running specimens to lab or running supplies/ equipment to different locations, helping lift patients or escort families to locations.


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Mathematics (MTH) Courses
Descriptions of courses offered in the Mathematics Department
MTH 1113 College Algebra
Three hours
Topics include solving equations and systems of equations, functions and graphing, inequalities, logarithms, exponentials, sequences, and series. An emphasis is placed on applied problems in physical, life, and social sciences. Offered in online format.
MTH 2003 Introduction to Statistics
Three hours
A course to give students an understanding of the concepts of statistics and tools to become critical readers of current issues involving quantitative data. Applications of the use of data from a wide variety of professions, public policy, and everyday life are made. The course focuses on methods of producing data, organizing data, and drawing conclusions from data. Topics include descriptive statistics, frequency distributions, correlation, regression, inference, and significance. Selected topics in research design and the consumer price index are also taught. Offered in online format. Prerequisite: MTH 1113.


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Dramatic Eye Makeup!
Dramatic Eye Makeup & The Best of MAC
Nominee: International Color Awards 2nd Annual Photography Masters Cup
Name: Luke Duval
Country: USA
Title: MAC Makeup
Credit: wenjun658 at photobucket.com
MAC C Shock Collection
Dramatic eye makeup up close, fascinating how the use of lines and color accents can completely change the look and size of the eye.
Eyes: MAC Pixel Paint, MAC CCB Luna, Ben Nye Chartreuse, Ben Nye Sun Yellow, MAC Too Dolly eyeshadow: Ben Nye Royal Purple, Romping eyeshadow, MAC Shroom eyeshadow, MAC Feline eyeline and PlushLash mascara.
Credit: Dreamglow at flicker.com
More Dramatic Eye Makeup
Roses in Bloom: Use a golden tone MAC eyeshadow over the entire lid. Shade with a taupeor khaki and line the outer corners of the lid with purple red.
Purple Explosion: This provides the perfect bright eye look for nighttime. Try a big shadow brush to wash a shimmery white all over the lid. Then use a shimmery purple glow within the contours, and use a darker shadow of the same type of purple tone to line the outer corner of the under eye.
The Classic Bruised Look: This look while extremely dramatic is also beatiful and really emphasizes the eyes. Use a finger to apply a deep purple shadow, like any of the MAC makeup eyeshadow in purple. Use a deep shimmer in a darker gray above the eye. Then some shimmer in nude or bone on the brow bone. Finish with a purple mascara.
Pink Orchids: Brush a dusty white, like MAC makeup's eye shadow in vellum, over the lid. Add a pink, like MAC makeup's swish, in the socket and, above it, a dab of lime, such as MAC makeup's bitter, and blend into the lashes. To finish try Powerpoint's white eye pencil, light as air, in the inner corner of the eye with Powerpoint's burgundy liner, in bordeauxline
I love them what do you think!!?!


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product details-Tab
Super-Absorbent, Fast-Drying Microfiber Towel
Gaiam's Yoga Mat Towel is an extra absorbent and fast drying towel that is ideal for hot yoga and traditional practice. The microfiber is hypo-allergenic, non-permeable, and dries in half the time of ordinary towels. Mat is sized to fit directly on top of your yoga mat.
Made in Taiwan
Any exercise program comes with inherent risks. Consult your health care professional before beginning this or any exercise program.
©Gaiam Living Arts
Machine was separately in cold water and dry flat.


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Welcome to NCGK, a martial arts club with strong foundations in self defence through teaching the traditional Okinawan martial art of Goju Ryu (style) Karate.
For over 40 years Goju Kai Karate has been taught on the North Coast of NSW, and began in Australia over 50 years ago.
Led by our chief instructor Rick Burton 5th Dan Sensei our club and its very experienced instructors promote a safe and respectful learning environment for karate students to progress at their pace.
Through our Karate we teach not only self defence but self-confidence, discipline, balance and co-ordination as you learn blocks, strikes and stances and progress through the detailed syllabus that is created by our grand master, Yamaguchi Goshi, Saiko Shihan in Japan.


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"The Iceman" broke on to the UFC scene back in 1998 when the sport was still considered barbaric. Since that time Zuffa LLC purchased the company and implemented rules which have made it one of the fastest growing sports around. Nowadays Chuck Liddell is considered one of the sports biggest names and first millionaires. With all that being said he is still the same guy who grew up in San Luis Obispo, California.
"I'm a fighter, man," said the 38-year old Liddell. "All this other stuff, this celebrity stuff, I mean, don't get me wrong, it's good making some money now, but I'm the same person I always have been. Nothing that comes along is going to change me."
"When people ask me how long I think I can do this, to me, that is the silliest question," he said. "I have been training to fight since I was 12 years old. I'm a fighter. That's all I know and that's all I want to be."
Liddell has been on a role of late racking up five wins in a row with KO victories over Tito Ortiz, Randy Couture twice, Vernon White and Jeremy Horn. Liddell is looking to continue his streak against Renato Sobral who he previously knocked out with a beautiful kick to the head.
"I know people look at the first fight (with Sobral) and say that I knocked him out, but that doesn't mean anything for this fight," said Liddell, who also flustered Couture's legendary grappling skills. "Any time you're matched up with someone, anyone can leave themselves open for one punch or one kick. That's just the way it is. Babalu keeps winning and he keeps getting better and better and he's a really smart fighter."
Next entry: Live and Inside
Previous entry: Out For Revenge


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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
If you are reading this message, Please click this link to reload this page.(Do not use your browser's "Refresh" button). Please email us if you're running the latest version of your browser and you still see this message.
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Sold and Shipped by Countryside Pet Supply
Easy Walk™ Harness
The Easy Walk Harness is designed to gently discourage dogs from pulling while walking on a leash. The unique front-chest leash attachment stops pulling by tightening slightly across the dog's chest and shoulder blades. The gentle pressure steers your dog to the side and redirecting his attention back towards you.
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Easy walk harness
This review is from: Easy Walk Harness Small (Raspberry/Gray)
Pros: Works well to prevent tugging.
Cons: Hard to fit
Other Thoughts: Great seller!!!
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Recent Forum Posts
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Recent Comments
- 1 year ago I would like to win either one. Both are great smart watches. I would lean more towards the Samsung one due to the heart...
- 1 year ago Combo x3!
- 1 year ago Entry 2!
- 1 year ago I would love to have one!
- 2 years ago Would like to try one out. Thanks!
- 2 years ago would like to win this!
- 2 years ago Pick me! I will love and cherish it!
- Member for
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Sterling's baby party
My best friends throw my husband and I a coed baby party! This was deffinately not your typical baby party. It was very casual with and open bar. It made it fun for the men and the women. My Husbands friends bought us a gun safe and filled it with diapers. It was fun for all and a great way to have a non traditional baby shower.
Saved to


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Among the successes of Day 11 was Ethiopia's Mohammed Aman, who won his semi-final of the men's 800m. "I am really happy with my performance," he said. He will go on to race against running great and world-record-holder David Lekuta Rudisha on Thursday. "He's a tough guy," Mohammed admitted, "but I am ready. I have been training for great championships like the Olympics and I am feeling great. If I win, it will be a great story for me and for my country."
Over at the ExCel, Cuba's Robeisy Ramirez Carrazana took on Great Britain's Andrew Selby (and the roars of the British crowds) in the men's fly quarter-finals and came out on top. "I knew I was going up against him since the last fight, but knowing it would be like that (huge home crowd support), I had to prepare myself," he said. Having made incredible progress since the Games in Singapore, the 18-year old has hopes for a medal. "It's absolutely incredible to be here," he added, "I'd like to thank my family and all of my people for all the support I've got."
With so much more YOG action look forward to, stay tuned!
Story by Iram Sarwar, YOG Reporter
London 2012 - The British ska band Madness perform their hit Our House during the closing ceremony in Olympic Stadium on August 12, 2012.
London 2012 - The saxophonist from the band Madness performs his solo while flying through Olympic Stadium during the closing ceremony on August 12, 2012.
London 2012 - Ray Davies of the Kinks sings "Waterloo Sunset," a love letter to London, at the closing ceremony on August 12, 2012.
London 2012 - Acrobats, dancers, and performers give the eye much to behold in Olympic Stadium during the closing ceremony on August 12, 2012.
London 2012 - Motor scooters from London's mid-60's mod subculture deliver Ricky Wilson to the stage to sing The Who's "Pinball Wizard" during the closing ceremony.
London 2012 - As the David Bowie hit "Fashion" plays aloud, a parade enters of British supermodels sporting haute couture designs during the closing ceremony.
Reanalysis reveals banned substances in 23 "A" samples from London 2012
The IOC and WHO committed to fighting childhood obesity by promoting physical activity
Duda Lisboa carrying the YOG spirit
Olympic fire still burns for Fantastic Missy Franklin
Rio 2016 launches official song of Olympic Torch Relay


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The year 2010 brings with it new ways to choose paint, set the table, decorate walls, make the bed and more.
90s: All-white square dishes, super modern flatware
Now: Mix it up with colour and pattern. Use those white dishes as chargers for colourful, inexpensive Chinese bowls. Silver is meant to be loved, so stop closeting the fancy heirloom silver and set it on the dinner table alongside your favourite pieces of modern flatware.
90s: Paint the house with off-white trim and contrasting walls
Now: Benjamin Moore's Cloud White CC-40 has long been a ubiquitous colour choice for trim (just check out Style at Home magazine's Where to Find It guide). Why not paint the walls and trim the same colour? Samantha Pynn, host of Pure Design and Style at Home contributing design editor, employed this look with Benjamin Moore's Celadon Green 2028-60, flat paint for the walls and semigloss for the trim at my home to fabulously modern effect.
90s: White MDF kitchen island cabinetry
Now: Exotic wood grains like zebrano or black walnut for a kitchen island, says Crispin Butterfield, interior designer, Urban Theory Interior Design in Brandon, Manitoba. "Bonus points for mixing white or cream perimeter cabinets with rich and deep woods for your island," she says.
- Page 1: Dishes, paint and kitchen cabinetry
- Page 2: Backsplashes and walls
- Page 3: Bed linens and bathtubs


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Computing Derivatives
Constant Functions
The first kind of function is a constant function.
If f(x) = C for some constant C, then f ' (x) = 0.
Constant functions have a slope of zero. On a graph, a constant function is a straight vertical line. It doesn't matter if we pick f(x) = 3 or f(x) = -10, or f(x) = π, or any other constant, the result would be the same. Zero. We like.
People who Shmooped this also Shmooped...


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- PakistanAgricultureFunding via Kashf Foundation
Dutabarane ...RwandaFoodFunding via VisionFund Rwanda
Maria CatalinaEl SalvadorAgricultureFunding via PADECOMSM
28 De Noviembre Group
Alison tells us that this is the first time she has belonged to a Pro Mujer community bank and she joined through an invitation from a friend. She currently has a business selling food which is something she learned from her family.
Alison will use her loan to buy merchandise (noodles, rice, oil, etc.) which she will use to make her food that she will then sell on her stall in La Ceja. This work enables Alison to make money with which to support her family. She lives with her common-law husband and has three children.
La señora Alison indica que es la primera vez que integra una asociación comunal en Pro Mujer, ingresando por invitación de una amiga. En la actualidad ella tiene un negocio de venta de comida que aprendió de su familia.
El crédito que sacará ahora es para la compra de mercadería (compra de fideo, arroz, aceite, etc.) insumos que utilizará para la elaboración de la comida, que posteriormente lo venderá en su puesto de la ceja. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su familia, pues ella vive en unión libre y tiene tres hijos.
Additional Information
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Bolivia
123View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 7 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Jun 1, 2011
- Listed
- Jun 22, 2011
- Currency Exchange Loss:
- Covered
- Ended:
- Dec 15, 2011


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Oklahoma State basketball: Cowgirls' Brittney Martin off to good start — aside from her dental disaster
STILLWATER — Following Thursday's practice, Oklahoma State guard Brittney Martin popped out her mouth guard.
She needs that extra protection now, after having a pair of teeth cracked and knocked out by the Gallagher-Iba Arena floor in the Cowgirls' last game against Stephen F. Austin.
Getting those teeth fixed was one of the more recent challenges facing the true freshman. But Martin has already become a solid contributor for the No. 16 Cowgirls (7-0) in her first season, averaging nine points and 5.9 rebounds per game heading into Sunday's contest against Vermont in Stillwater.
Martin talked with The Oklahoman about how she's adjusting to college basketball, her excitement for Big 12 play and, yes, her recent dental work.
What happened on the play that knocked your teeth out?
"I tipped the ball, and I thought I could get it if I dove for it. So I dove into (SFA's Antoinette Carter), and I guess she fell over me and she just sat on my face and my teeth went right into the floor."
It seemed like it took a while for everyone else to realize what had happened.
"I probably should have kept playing, but my teeth were in my hand. The game was still going, but I just walked off the court and was like, 'My teeth are gone.' And everyone just looked at them and were like, 'Oh my goodness.' They looked horrendous. I cried when I saw what they looked like. Not the pain, just what they looked like. It was so ugly."
How'd you get them fixed?
"The dentist came running in the training room, and he was like, 'Does anybody need a dentist in here?' I was like, 'My teeth are gone.' He was like, 'We gotta go. We've got to get in there.' I cracked the whole front of (one) tooth, so it just split, so the nerve was broken and everything. He was like, 'We've got to go right now, or else your tooth is going to die. He numbed me up right when I got in there and I didn't feel anything until late, late that night. I had never had a root canal before, and that's what they had to do to my front tooth. That's what hurt the worst. The next morning hurt more than anything, but medicine cures everything."
You're now about a month into your first season. How is it going so far?
"The defense is kind of what was really different than high school. I can't say I never played defense in high school, but I didn't play it like we have to play in Division I. You don't know what it's like until you get here. I think defense is what I really struggle with a lot right now."
You said after your first game that you were nervous about playing at Gallagher-Iba Arena for the first time. Have those emotions calmed down at all?
"First game, I was so scared. I came out there and I didn't even know what to do. In my mind I was just like, 'When in doubt, what am I supposed to do? Shoot it, right?' That's the only thing I could think of. The nerves kind of went down, just because I love our fans here. They're all so nice to everybody. I feel comfortable now, but I guess when we go out of state and stuff, I've got to see how's that's going to work out when no one's cheering for you."
Big 12 play starts Jan. 2. What have your teammates and coaches been telling you about what to expect?
"They've been saying that people pressure a lot (on the wing). It's going to be a lot harder to pass. It's going to be a lot harder to drive. I guess they're just saying it's going to be a lot harder, because everybody is good. It's not just like high school, where one person on a team is good. You have to learn how to get open. You can't just stand around. I'm just excited to get into conference play."


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iPod touch Passes Gentle Scratch Test
Look out, iPod touch! There comes a scratch test with a safety pin, a car key and then even a razor blade. But this tester doesn't seem too hell-bent on damaging his precious touch. Would a jackhammer scratch it? How about a blowtorch? We could run over it for you, guy—that might help. But still, this touch is a lot…
iPhone Stress Test: Scratching and Dropping
PCWorld is sadistic. To simulate a couple months of usage (read: damage), they threw an iPhone into a plastic bag with a set of keys and jiggled it around like crazy. They then rubbed the two together next to a table, to simulate when you'd go and rub your crotch next to a table—what, you don't do that?


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"My mother always said give me a book and a pencil and I'll be alright."
Age is just a number for 78-year-old Frances Jackson.
After she retired from driving school buses in December 2009, the mother of 3, grandmother of 7 and great grandmother of 6 more decided she was going back to school.
"I'm excited, going in the classroom with a lot of children. You know the younger ones I say and I'll be taking practical nurse," said Jackson.
But Jackson says her road to getting enrolled at Wiregrass Technical College wasn't easy.
She had to take a few prep classes to get caught back up with everything.
"Those nouns and pronouns and verbs and adjectives. Boy they're something else," said the student. "Those compounds. But anyway I made it."
Jackson will be the oldest student to attend the college. She'll start on April Fourth, two days after her birthday.
The average age of a student at Wiregrass is 26. Jackson will be 79 when she starts. But her teacher Rhena Wienert says her effort is a recipe for success.
"There's a lot of kids that give up, that don't want to try anymore, that think they're stuck where they are in life and if they can see Ms. Jackson and what she's accomplished at her age," said Wienert. "Then I think they would be inspired to keep trying."
It's a lesson Wienert says- despite our ages- we all can learn from.
Jackson graduated from Cook County High School in 1951.
She says once she gets her degree she can't wait to start working as a nurse.