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You can also verify all relevant information for every past bets in the bet browser (always accessible at the bottom of the front page). Additionally, you will see your last five bets in your personal table. Bitcoin is controlled by all Bitcoin users around the world. Bitsler is intended for the user's personal use. The user agrees to provide bitsler with immediate notification if the user enters into a self-exclusion contract with any gambling service provider. Behind the scenes, the Bitcoin network is sharing a public ledger called the "block chain".
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The following user agreement hereby referred to as the Agreement, is to be read in its entirety prior to the use of bitslers products and services. In order to stay compatible with each other, all users need to use software complying with the same rules. Fewer risks for merchants - Bitcoin transactions are secure, irreversible, and do not contain customers sensitive or personal information. For new transactions to be confirmed, they need to be included in a block along with a mathematical proof of work. Org/ - UK : GamCare /. Persons located in or residents of the United States and the United States Territories (the Prohibited Jurisdictions) are not permitted make use of the Service. Note on wallets: Please make sure you use a compatible wallet. Satoshi left the project in late 2010 without revealing much about himself. The box located at the top-right of the game area also features a chat that you can use to chat with other players. If a bet is invalid, LuckyBut simply returns the bet to you immediately. Additionally, new bitcoins will continue to be issued for decades to come. Therefore, relatively small events, trades, or business activities can significantly affect the price.
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Now he says that anyone who buys and holds cryptocurrencies for the next 10 years has. Work is underway to lift current limitations, and future requirements are well known. Need more technical details? Why my bet does not show up immediately on LuckyBit? Bitcoin miners are neither able to cheat by increasing their own reward nor process fraudulent transactions that could corrupt the Bitcoin network because all Bitcoin nodes would reject any block that contains invalid data as per the rules of the Bitcoin protocol. As such, the identity of Bitcoin's inventor is probably as relevant today as the identity of the person who invented paper. Nothing in this clause shall limit the right of LuckyBit to take proceedings against you in any other court of competent jurisdiction, nor shall the taking of proceedings in any one or more jurisdictions preclude the taking of proceedings in any. You irrevocably agree that, subject as provided below, the courts of Curacao shall have exclusive jurisdiction in relation to any claim, dispute or difference concerning the Agreement and any matter arising therefrom and irrevocably waive any. In addition, the user agrees to not pursue any action that may potentially result in harm to bitsler's rights. Bitcoin allows its users to be in full control of their money. Consumer electronics is one example of a market where prices constantly fall but which is not in depression.
Only a fraction of bitcoins issued to date are found on the exchange markets for sale. By CCN: Bitcoin must have been struck by lightning the Lightning Network. If not, don't be afraid to ask! The only time the quantity of bitcoins in bitcoin gambling circulation will drop is if people carelessly lose their wallets by failing to make backups. Who knows, but they sure seem to recognize its growing mainstream status and view. Bitcoin can be used to pay online and in physical stores just like any other form of money. How does Bitcoin mining work? In addition, anyone can process transactions using the computing power of specialized hardware and earn a reward in bitcoins for this service. This agreement supersedes any prior agreement, understanding or arrangement between the user and bitsler. Because the fee is not related to the amount of bitcoins being sent, it may seem extremely low (0.0005 BTC for a 1,000 BTC transfer) or unfairly high (0.004 BTC for.02 BTC payment). Severability If at any time a clause in this agreement becomes illegal or null in any jurisdiction the validity or enforcement of this agreement shall not be affected in such jurisdiction. Is Bitcoin useful for illegal activities?
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No central authority or developer has any power to control or manipulate the system to increase their profits. Bitcoin use could also be made difficult by restrictive regulations, in which case it is hard to determine what percentage of users would keep using the technology. For the avoidance of doubt, the foregoing restrictions on engaging in real-money play from Prohibited Jurisdictions applies equally to residents and citizens of other nations while located in a Prohibited Jurisdiction. Rules FOR ALL users Since some users tend to take advantage of our system, the following rules must be followed by all bitcoin gambling users:.1. There are currently more than 100 Bitcoin casinos and sportsbooks operating. How does the chat lottery work? In general, Bitcoin is still in the process of maturing. A majority of users can also put pressure for some changes to be adopted. Your odds in LuckyBit The odds for our games are a weighted sum over all multipliers of their numerical value multiplied by the probability to fall into them. In addition, all content on the website, including, but not limited to, the images, pictures, graphics, photographs, animations, videos, music, audio and text (the "Site Content belongs to LuckyBit and is protected by copyright and/or other intellectual property or other rights. Services necessary for the operation of currently widespread monetary systems, such as banks, credit cards, and armored vehicles, also use a lot of energy. World-famous investor and emerging markets guru Mark Mobius once called bitcoin a fraud. Bitsler is licensed by the Government of Curacao (license number 8048/JAZ, july 31, 2017 and is subject to the regulations of that jurisdiction.
Your Bitcoin client will usually try to estimate an appropriate fee when required, or you can use a fee predictor. In the event that quantum computing could be an imminent threat to Bitcoin, the protocol could be upgraded to use post-quantum algorithms. Amendment At any time, bitsler reserves the sole right to revise or modify the current agreement and the user will be bound to any such change. Bitcoin balances are stored in a large distributed network, and they cannot be fraudulently altered by bitcoin gambling anybody. The products and service provided by bitsler are not for use by (i) users under the age of 18 years, (ii) users under the legally designated age of majority in their jurisdiction, (iii) any user accessing the service. By CCN: Another day, another new high for the bitcoin price.
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Americans could have an alternative to both Trump and whoever wins the wide Democratic. It is unknown to you at the time of playing, but the hashes of all keys have been are published in advance, so nobody can modify these keys. Bitcoin markets are competitive, meaning the price of a bitcoin will rise or fall depending on supply and demand. Bitcoin wallet files that store the necessary private keys can be accidentally deleted, lost or stolen. When fees are required, they generally don't exceed a few pennies in value. As opposed to cash and other payment methods, Bitcoin always leaves a public proof that a transaction did take place, which can potentially be used in a recourse against businesses with fraudulent practices.
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The necessary services for the use of bitsler including any telecommunication or internet device are to be provided by the user. Terms OF service, the user agrees to abide by all game rules designated. Investing time and resources on anything related to Bitcoin requires entrepreneurship. This makes Bitcoin mining a very competitive business. Each user can send and receive payments in a similar way to cash but they can also take part in more complex contracts. There is a risk of losing bitcoins when using the Service and that LuckyBit has no responsibility to you for any such loss;.2. For bitcoin's price to stabilize, a large scale economy needs to develop with more businesses and users. The day of your bet is determined by the moment LuckyBit receives your bet's transaction. While developers are improving the software, they can't force a change in the Bitcoin protocol because all users are free to choose what software and version they use. Bitcoin could also conceivably adopt improvements of a competing currency so long as it doesn't change fundamental parts of the protocol. What if someone bought up all the existing bitcoins?
Bitsler is not to be held accountable for any malfunction that is associated with such devices. Isn't Bitcoin mining a waste of energy? It appears you are in an area that is currently not served by LuckyBit. Regulators from various jurisdictions are taking steps to provide individuals and businesses with rules on how to integrate this new technology with the formal, regulated financial system. Assignment LuckyBit reserves the right to assign this agreement, in whole or in part, at any time without notice. In this regard, Bitcoin is no different than any other tool or resource and can be subjected to different regulations in each country. Additionally, merchant processors exist to assist merchants in processing transactions, converting bitcoins to fiat currency and depositing funds directly into merchants' bank accounts daily. Like any other payment service, the use of Bitcoin entails processing costs. While this is an ideal, the economics of mining are such that miners individually strive toward. There are services like Coin Reporting, Bitcoin. All transactions and bitcoins issued into existence can be transparently consulted in real-time by anyone.
Transaction fees are used as a protection against users sending transactions to overload the network. The use of Bitcoin leaves extensive public records. This process involves individuals that are rewarded by the network for their services. With a stable monetary base and a stable economy, the value of the currency should remain the same. Disputes If a User wishes to make a complaint, please contact our customer service bitcoin gambling team at email protected. The services are provided "as is" and provide the user with no warranty or representation regarding the quality, fitness, accuracy or completeness of the service. Bitcoin is the first implementation of a concept called crypto-currency", which was first described in 1998 by Wei Dai on the cypherpunks mailing list, suggesting the idea of a new form of money that uses cryptography to control its creation. Enhanced due diligence may be done in respect of withdrawals of funds not used for wagering. It is, however, not entirely ready to scale to the level of major credit card networks. Additionally, you agree not to do anything that will harm or potentially harm the rights, including the intellectual property rights of LuckyBit. The Bitcoin price can be highly volatile.
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This protects merchants from losses caused by fraud or fraudulent chargebacks, and there is no need for PCI compliance. By CCN: When it comes to ignorant allegations about bitcoin, Shark Tanks Kevin OLeary took the cake this week, managing to hit every wrong button in trying to bash. The User will not transmit bitcoins to the address bitcoin gambling indicated on the website from a shared wallet or any other address not solely controlled by the User as any amounts sent back to the initiating address may not be properly credited to the User. Similarly, the value of bitcoins has risen over time and yet the size of the Bitcoin economy has also grown dramatically along with. LuckyBit is not able to verify the legality of the Service in each jurisdiction and it is the User's responsibility to ensure that their use of the Service is lawful. You can also hover each multiplier with your mouse to get more information, among other things you will see the probability to fall into. How much will the transaction fee be? Shared wallets of other gambling sites Online wallets that send from a common address for all users In general, any service that uses a shared wallet for all its users If you're not sure if your wallet. In addition, all site content (including, images, photographs, graphics, animations, videos, audio components and text) is owned by bitsler and is protected by copyright and any other intellectual property law.
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New tools, features, and services are being developed to make Bitcoin more secure and accessible to the masses. Because Bitcoin only works correctly with a complete consensus between all users, changing the protocol can be very difficult and requires an overwhelming majority of users to adopt the changes in such a way that remaining users have nearly no choice but to follow. BTC.00000682 nvidia9994 - Live bitcoin gambling Roulettes, eTH.00360000, big Winners, royjerry46 - Voodoo. What does increasing the block size limit mean? When more miners join the network, it becomes increasingly difficult to make a profit and miners must seek efficiency to cut their operating costs. We have sent a transaction to this address on the (included in block 257126). For Bitcoin to remain secure, enough people should keep using full node clients because they perform the task of validating and relaying transactions. It is also worth noting that while merchants usually depend on their public reputation to remain in business and pay their employees, they don't have access to the same level of information when dealing with new consumers. The first Bitcoin specification and proof of concept was published in 2009 in a cryptography mailing list by Satoshi Nakamoto.
Transaction fees, bets: For player protection, LuckyBit will only instantly process bets that have been sent with priority fees and are not at risk of being double-spent. Watch the video below to understand just how large mining operations are today: Security Is Bitcoin secure? By CCN: With the bitcoin price trading above 8,000 once again, the mainstream financial media has once again taken an interest in cryptocurrencies. You can verify this on any block explorer, for example: Note: All hashes are SHA-256 (text mode). Code, structure, and organization not excluding copyright, intellectual property and any other rights that compose the service. This is how it works: The key that LuckyBit uses to determine the " lucky moves " of a bet, and thus the winning amount, is changed every day; The key of a given day is made public after. Please note that the Agreement constitutes a legally binding agreement between you and LuckyBit (referred to herein as "LuckyBit "us" or "we which owns and operates the Internet site found and games described at (the "Service. However, these features already exist with cash and wire transfer, which are widely used and well-established.
Both cases are visible by hovering the small triangle warning on the "Estimation Confirmation Time" on fo with your mouse. Bitcoin is currently trading at nearly 8,300, which according to CoinMarketCap data is a new 2019 high for. Can Bitcoin be regulated? A confirmation means that there is a consensus on the network that the bitcoins you received haven't been sent to anyone else and are considered your property. Therefore, we encourage you check the terms and conditions contained in the version of the Agreement in force at such time. Payment freedom - It is possible to send and receive any amount bitcoin gambling of money instantly anywhere in the world at any time. Microsoft, Dell, and Newegg. Subject to the terms and conditions set forth in the Agreement, bitsler grants trademarks and any service mark used by the service.2. At this point, Bitcoin miners will probably be supported exclusively by numerous small transaction fees. However, Bitcoin is not anonymous and cannot offer the same level of privacy as cash.
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Nothing in this Agreement shall create or be deemed to create a partnership, agency, trust arrangement, fiduciary relationship or joint venture between you and. The user may not, within the limits prescribed by the governing laws: (i) copy, publish, distribute, decompile, reverse engineer, disassemble or modify the website in any way; (ii) use the service provided in any way that defies the governing. Nobody owns the Bitcoin network much like bitcoin gambling no one owns the technology behind email. The user hereby acknowledges that in no way does the use of the service procure them any rights to any part of the website content and trademarks. Yes, most systems relying on cryptography in general are, including traditional banking systems.


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|Sort by:
|21 accommodation possibilities found.
Hotels and pensions Splitska rivijera
The prices depend on the number of persons and date of stay. To see the available accommodation units and the exact prices for your stay, please enter the mentioned information.
Vila Duga
Score from 9 firstname.lastname@example.com+385 981 3793663x Apart.: 2x2, +2Accomodation in a family house in town district Stupin-Čeline, 30m far from the beach. Grill. Wi-Fi internet access for free. Sheltered parking by the family pension. Grocery shop 200m.
Palace Derossi
Score from 1 firstname.lastname@example.com+385 021 8812418x2, 2x2+1, 1x Apart.: 1x2, +1Hotel in a historical building in the centre of a town 200m far from the beach (stony beach). In the hotel there is dining room, internet access. Small childrens bed available. There is no restaurant in the hotel (catering available 20m far from the hotel). Parking - guarded, paid.
Villa Cezar
Kaštel Lukšićwww.email@example.com+385 915 3758427x2, 2x2+1, 3x Apart.: 1x2, +2Pension 300m far from the beach (gravel beach). In the pension there is restaurant, Wi-Fi internet access. Airport transfer available. Parking - unguarded, free of charge. Bus 50m.
Hotel Pašike
firstname.lastname@example.com+385 915 8484347x2+1, 1x Apart.: 1x2, +2Hotel in the historic city centre, 1km far from the beach (stony beach). In the hotel there is restaurant. Parking - unguarded, free of charge. Bus 150m. Train (station Željeznički kolodvor Split) 25km.
Apart hotel ''Bellevue
Score from 2 email@example.com+385 917 6124206x apartment: 1x2+1, 3x apartment: 1x2+2, 1x Apart.: 2+1, +2, 1x Apart.: 1x2, +2, 1x Apart.: 1x2+2, 2x Apart.: 2x2, +2Pension 500m far from the beach. In the pension / complex there is dayroom, dining room, large terrace with a view to the sea. Small childrens bed available. Airport transfer available. On the reception they speak also German.
Hotel Marmont Heritage
firstname.lastname@example.com+385 213 0806021x2Hotel in the town. In the hotel there is: reception, restaurant, lounge, terrace. Internet access Wi-Fi. Parking - unguarded, free of charge..
Villa Rustica Dalmatia
Seget email@example.com+385 917 6124201x apartment: 1x2, 2x Apart.: 1x2, +2, 2x Apart.: 2x2, 1x Apart.: 1x2+4Hotel 80m far from the beach. In the hotel / complex there is restaurant, summer pool. Tourist tax included in the price. Small childrens bed available. Parking - unguarded, free of charge (with shelter).
Villa Paula
Okrug email@example.com+385 217 98090Hotel in the silent side of village. In the hotel there is: restaurant, terrace, summer pool. Internet access Wi-Fi. Parking - closed, free of charge..
Hotel Apartman Aqua Natural
Seget email@example.com+385 992 2285002x2+1, 8x2, +2, 3x Apart.: 2x2, +2Hotel in the village, 100m far from the beach (concrete beach, stony beach). In the hotel / complex there is restaurant, bar, summer pool, whirlpool bathtub, Finnish sauna, infrasauna, conference room for 50 persons (air condition, projector, audiovisual equipments, plasma TV), garden furniture, gar
Hotel "VILLA MEDITERANA"
Seget firstname.lastname@example.com 996 8494805x2, 1x Apart.: 1x2, +1, 2x Apart.: 2x2, +1Hotel in the village 10m far from the beach (sandy beach). In the hotel there is restaurant. Small childrens bed available. Possibility to arrange sightseeing tours in the town and excursions. Parking - unguarded, paid.
Apartmány Posavec
Score from 1 firstname.lastname@example.com+385 915 7374093x Apart.: 1x2, +2Accomodation in a family house with own entrance on the island Krk, 1,5km far from the beach. Access to the island by a bridge. Parking by the accommodation facility. Grocery shop 200m. Restaurant 200m.
Apartmani Grgurić
Score from 18 firstname.lastname@example.com+385 911 0674551x apartment: 1x2, 2x Apart.: 1x2, 1x2Accomodation in a family house on the island Pag, 300m far from the beach. Terrace, summer pool, grill, fireplace, swing for child. Internet access. Air condition for an extra charge. Access to the island by a bridge.

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Perhaps part of why I love Persona so much is because I have always been interested in the idea of self-delusion. Ingmar Bergman's film has many layers, and multiple meanings—the core of it is the concept of persona, the mask, the social role; persona vs the true self; individuality; the changing of masks and merging of identities, but the film is also about falseness, lies, and truth; about self-delusions and self-deceptions. Elisabet (Liv Ullmann) rejects acting; she discards the masks she has to wear as an actress, as well as the masks in life—her personae, as a wife and as a mother, by putting on another mask—the refuge of silence. She cannot escape. But Alma (Bibi Andersson) too has her persona and self-delusions. She convinces herself that she is happy and has what she wants, only for the falseness to be stripped away in her chattering to the patient, revealing her uncertainties and unhappiness.
Persona inspired 3 Women, a film that I like a lot more than the overrated Mulholland Drive. Like Persona, the film feels like a dream, and has a swap of identities—the 2 main characters are Mildred "Millie" Lammoreaux (Shelley Duvall) and Mildred "Pinky" Rose (Sissy Spacek). Robert Altman too tackles the subject of self-delusions, but goes further—Millie creates a persona for herself out of what she has read in women's magazines, and perceives herself to be attractive, fashionable, and popular. She is the most deluded female character I've ever seen in cinema—she is always seen preparing for dates that never happen, and she never notices that others are uninterested or even laughing at her. Millie's awkward failures make us cringe and then pity her, but should we feel bad for Millie when she herself does not realise it?
The ironic part is that when Pinky "steals" Millie's identity and the 2 characters switch positions, so to speak, she becomes the person that Millie sees herself as. She becomes a better Millie than the real Millie.


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A series of educational resources to raise awareness of malaria.
Malaria: The Basics
A concise overview of what malaria is.
Malaria Symptoms Card
A visual representation of the symptoms of malaria.
ABCD Acronym
Understand what to do if you think you have malaria with our convenient 'ABCD Acronym' card.
MYTH: You Can Catch Malaria
Debunking one of the biggest myths about malaria – that you can catch it.
MYTH: Mosquitoes Die After Feeding
Debunking the theory that mosquitos die after feeding.
Pregnant Women and Malaria
Details on how pregnant women are affected by malaria.


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Important: All new features of Director will be available and work as expected only in combination with the required minimum versions of the Delivery Controller (DC) and the VDA listed below.
Note: This article is applicable to XenApp 6.5 and later, XenDesktop 7 and later.
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Upgrade sequence – XenApp and XenDesktop Components
Illustration of the upgrade sequence is as below. To upgrade all the installed components, run the installer on all the machines containing respective components.
Note: Once DC is updated successfully, the Studio will prompt you to upgrade the Site. Complete this step for the new features to be available in Director.


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Jurassic Park Logo Coaster
Published 2018-09-10T14:00:54+00:00
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Jurassic Park Logo Coaster
Published 2018-09-10T14:00:54+00:00
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This is one I've been wanting to do for a loooooooooong time, but I never got around to it. So now I did! It's a fiddly little sod to assemble but I'm proud of how it's come out. Maybe I'll get round to doing the Jurassic World one in a couple of years or so...
It is available now, printed and assembled, in my Etsy store - www.etsy.com/uk/shop/enterprisexddesign
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Nevada celebrates science at DRI Medalist Awards presentation
Dr. Marcia McNutt, president of the National Academy of Sciences and chair of the National Research Council, was presented last night with the 2017 Desert Research Institute's Nevada Medal Award during an awards dinner.
Governor Brian Sandoval presented the medal.
Dr. Kristen Averyt, president of DRI, described McNutt as "one of my person heroes."
From 2013 to 2016, McNutt served as editor-in-chief of the Science family of journals, prior to which she served as director of the U.S. Geological Survey from 2009 to 2013. During that time USGS responded to a number of major disasters, including the Deepwater Horizon oil spill.
A distinguished geophysicist, her research focuses on marine geophysics. She has published more than 100 peer-reviewed scientific articles and helped develop a variety of remote sensing techniques to understand the origin of clusters of volcanoes in the middle of tectonic plates.
In her acceptance speech, McNutt described the history and mission of the National Academy of Sciences, which was created by President Abraham Lincoln to advise the government on matters of science to improve its decision making.
The consequences of not following the academy's advice can be seen in the influenza epidemic of 1917-1919. Because of the high contagion of the disease, the academy recommended that soldiers not be housed in close barracks.
The Army continued doing what it always does with the tragic result that more U.S. troops died from flue than than from enemy fire, McNutt said.
"Science without policy is still science," she concluded. "But policy without science is a game of chance."
The Nevada Medalist Award was established in 1988 to acknowledge outstanding achievement in the fields of science and engineering. The DRI Nevada Medal is the highest scientific honor in the state.
Nevada Realtors hire Reno attorney Christal Park Keegan
Christal Park Keegan's professional experience includes working as an attorney for the National Judicial College in Reno and for the Chapman Law Firm in Northern Nevada.


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Peter McGuigan is understood to have left the Manchester-based business behind the Bench fashion brand.
Paul Masters has replaced him as chief executive Americana, albeit on an interim basis, the MEN has learned.
The pair worked together at soccer brand Umbro before reuniting at Americana.
Mr McGuigan, who is also chairman of Morecambe FC, left his post as CEO of Umbro in 2007 to join Americana.
Mr Masters followed him the following year to become Americana's group finance director.
He held a number of senior posts at Cheadle-based Umbro, including director of UK operations and director of group finance and investor relations.
News of his promotion to interim CEO at Americana comes after the business achieved strong revenue growth in its last financial year. Turnover rose from £121m to £148m, boosted by a strong performance in Europe.
Americana, which has its headquarters in Ardwick, is owned by HG Capital, which bought it in 2007 in a deal which valued the business at £190m.
HG Capital last year appointed NM Rothschild to advise on options for the business but plans to sell it were abandoned because of the uncertain consumer spending climate.
Bench clothing, shoes and accessories are sold across Europe, Canada and South Africa as well as in the UK.
- Do you receive the MEN business bulletin? Take the hard work out of keeping up with Manchester business news and sign up for the twice-daily email


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Joseph Ribkoff Faux Leather Jacket
The super chic Joseph Ribkoff Faux Leather Jacket is an easy addition to outfits casual and formal. Featuring 3/4 length cuffed sleeves, a single top button closure, and spacious pockets, this jacket will be your go-to on cool fall nights.
Fit & Details
90% Polyester, 10% Spandex
Cold water hand wash or hand wash cycle. Hang to dry. Do not bleach. Iron on reverse side if needed.
Style 193399


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680 Peartree Ln
Mesquite, NV 89027
Mesquite, NV 89027
$179,000 2 bd, 2 ba, 1,078 sf, 0.05 ac
Mesquite, NV 89027 Weather
Wind: 227° 9 mph
Humidity: 75%
Mostly Cloudy - Visibility 10 Miles
Welcome to my website, the best source for real estate information in Mesquite, Nevada. Whether you are looking to relocate full time or just looking for a vacation or second home, this is the place to begin your search. Utilize my website 24 hours a day, 7 days a week to provide you with powerful features such as the MLS to help you narrow down the ideal home or condo. My links section is designed to point you to important information on buying, selling and owning in this dynamic market. I have been a REALTOR since 2004 and I believe the marketing capabilities of RE/MAX will help all of my clients regardless of price point. With full-service support that is oriented to assist high-producing agents. I have more time to do the things that will add the most value to my clients. AMA (Ask Me Anything) helps keep my clients up-to-date on market conditions and provide a "safe space" for you to ask any real estate-related questions you might have. Just AMA. I am very familiar with the Mesquite Real Estate market as well as being an excellent negotiator with a strong sense of customer awareness who takes his time to find you the right home in the right location. My goal is to offer you the highest level of professionalism and service with a relaxed approach.I am a full time Mesquite resident and will be here to work for you! If you are considering a Real Estate Professional to help buy or sell a home. condo or townhome, please give me an opportunity to earn your business. I am confident you will be very happy! I invite you to contact me, Goody, at 801.915.2398 or drop me an email (email@example.com) so that I can assist you. See what my clients are saying about me https://www.zillow.com/profile/Robert-Goody-Good/#reviews
"Good Name...Incredible Service!"
Do you NEED to use a REALTOR to help you buy a New Construction Home? YES you do!
I built in Sun City and know all the Do's & Dont's. Make sure you contact me before going to the sales center so I can register you. Then I can be your partner throughout the entire build process and share with you past experiences from residents who built recently, including myself!
Most buyers in this market do not know that you can have a REALTOR represent you in the purchase and construction of your new home. The builder (Pulte, NRC, Legacy, Highland Vistas etc) have their own staff at their model home center who represent the builder, they have you sign a document that you are not represented. Their fiduciary duty is to the builder and they represent the builders best interest. By working with me I represent you and your best interests! The best thing is that the builder is paying for you to have representation independent from the seller. They pay me and I work for YOU!!!! You pay nothing. I will help guide you through the process, take update photos as construction progresses and make sure that all regarding your build goes smoothly. It is important for you to have someone who is looking out for your best interests throughout the process. When visiting the Sun City Sales Center make sure to let them know you are working with Goody and want Tanya Smith to be their Sun City Representative, or call me and I will meet you there for a personal tour. I live in Sun City!! That way if you choose to let me work for you, we have no misunderstandings as to who represents who. REPRESENTING YOUR BEST INTERESTS


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From IBM to BJP
Dressed in formal shirts and trousers and sporting laptops, these professionals are a far cry from the image of a typical political party worker. But politics brings them together, reports Sweta Ramanujan-Dixit.india Updated: Aug 04, 2008 22:59 IST
n Ravindra Pratap Singh (42), a former employee of IBM, is currently member of the senior strategy team of one of the top most software multinational companies in the world.
n Vinit Goenka (32), who has done masters in business management, last worked as a staffing partner for ASEAN countries for the business intelligence services department of IBM.
n Captain (Retd) Swaminathan (45) was a commissioned officer in the 21 Special Forces (Maratha Light Infantry). He now runs leadership workshops.
Dressed in formal shirts and trousers and sporting laptops, these professionals are a far cry from the image of a typical political party worker. But politics brings them together.
They are all members of the Bharatiya Janata Party (BJP) and part of the party's Information Technology (IT) cell.
"Politics is rough, quite unlike the corporate world," said Singh. He joined the party in May.
Singh's former colleague from IBM, Vinit Goenka, is from a family loyal to the Rashtriya Swayamsevak Sangh for three generations.
"When I told my boss I wanted to quit to join politics, he said I had burned out and should go to the Andamans for a break," said Goenka who devotes all his time to the party now. "I don't understand why politics can't be a career."
"It is one area where I could show results immediately," said Singh. "The idea is to develop, say, a television into a personal computer so that we can reach all those who cannot afford a personal computer."
Swaminathan, who's spent 10 years in the army and six in the BJP, was attracted by the novelty of an IT cell in a political party.
"We want to be part of the policy-making process in information technology," said Swaminathan.
Goenka uses his corporate experience to understand voters. "I know why people react to politicians the way they do," said Goenka. "I know the expectations of my clients who, in this case, are voters."


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Diversified Chemical Manufacturer Acquires 60-Year-Old Personal Care And Household Chemical Company; The Starco Group Acquires Blue Cross Laboratories
SANTA CLARITA, Calif., Nov. 14, 2019 /PRNewswire/ -- The Starco Group (TSG) of Santa Monica, CA announces the acquisition of Blue Cross Laboratories (BCL) of Santa Clarita, CA. According to company sources, the buyout is effective immediately.
The significance of the acquisition is that it enables both TSG and BCL customers to access each of their diverse consumer product offerings now under one holding company. BCL's 105,000 square foot manufacturing facility in Santa Clarita produces an incredibly diverse range of household, personal care and license branded products, with core competencies in scaled liquid fill of all shapes and sizes. The Starco Groups portfolio consists of nationwide manufacturing facilities in a variety of channels. Most notably BCL is recognized as a best in class and low-cost producer that services some of the largest retailers in the world with private label and branded products.
Started in 1960 by David Mahler, and presently run today by Darrell Mahler and his son Burke Mahler, BCL is one of the top household and personal care manufacturers in the value arena and owns some of the most coveted brands in the vertical. For almost 60 years, BCL has built a reputation as an innovator and trusted supplier with known capability to produce high end CPG products with the nation's most favored economics.
According to Ross Sklar, the CEO of The Starco Group, the parent company of Blue Cross Laboratories, "We are thrilled to have the opportunity to continue to build this amazing, wide reaching and powerful business that was started almost 60 years ago. Darrell and his son Burke have really done an outstanding job. The addition of the BCL business to TSG adds a portfolio of leading-edge CPG products and significantly bolsters our liquid fill infrastructure."
According to Darrell Mahler, "The synergy between TSG and BCL is amazing, not only do we share many of the same clients but many of our long-term customers can now benefit from TSG's broad offering. We are excited to be a part of TSG and look forward to broadening our offering to our long-standing client base." Burke Mahler added, "The cumulative offering is like no other in the industry as customers across a variety of sectors now have a single source for all their chemical and personal care needs. This is truly a landmark deal."
The purchase price was not disclosed, although TSG did announce that all BCL facilities and operations will remain and BCL will continue to operate as a stand-alone company that will also offer TSG's entire portfolio to its base.
For more information on The Starco Group or Blue Cross Laboratories, contact, Marketing Department, The Starco Group, 250 26th St – Suite 200, Santa Monica, CA. Tel: 323-266-7111. firstname.lastname@example.com
EDITORIAL CONTACT: Rebeca Valdez
E-mail: firstname.lastname@example.com
View original content to download multimedia: http://www.prnewswire.com/news-releases/diversified-chemical-manufacturer-acquires-60-year-old-personal-care-and-household-chemical-company-the-starco-group-acquires-blue-cross-laboratories-300958720.html
SOURCE The Starco Group


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We love Sesame Street for a lot of reasons. It's one of the only children's shows that we can watch over and over and not get annoyed with. It's fun and entertaining, with engaging characters and story lines that teach empathy, acceptance, and being a good human. The songs are catchy, the muppets are adorable, and we always love to see who the special human guest star is going to be.
We watched Sesame Street as kids, and now our own kids watch it, and it's just keeps getting better. But aside from the entertainment and positive social messages on the show, there's another reason we'll keep letting our kiddos take a stroll down Sesame Street. According to a recently published study, kids who watch Sesame Street actually do better in school!
PREVIOUSLY: 'Sesame Street' Officially Announces The First Homeless Muppet
The study was actually co-written in 2015 by Wellesley College economist Phillip B. Levine and University of Maryland economist Melissa Kearney, but was only recently published in the journal American Economic Journal: Applied Economics. The authors of the study contend that kids who watched the show before the age of 7 actually went on to perform better in elementary school. To come to their conclusion, Levine and Kearney studied the academic achievements and professional achievements of children who had access to the show when it first premiered, and compared it to children who didn't have access.
They used data collected from censuses in 1980, 1990, and 2000. Access to the show was determined by the strength of their television signal in their respective counties. Researchers presumed that children who did have access to the show probably watched it at some point.
Researchers used several factors to determine the academic and professional achievements of the kids, including what grade they were enrolled in, whether they went on to attend college and graduate or dropped out, and employment and poverty status. The show's impact on younger kids was the most evident. Children who had access to Sesame Street were 1.5-2% more likely to be in the right grade level for their age. Black children and kids from poorer areas seemed to be most impacted.
The study doesn't prove that the show was the cause of the improved performance in elementary. But it certainly suggest a correlation between the two.
READ NEXT: TOMS Just Dropped A Cute Line Of Sesame Street Shoes


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Dear All,
I am developping an application for Notes 6, 7 and 8. I need to retrieve the bookmark database name using Formula language.
For that purpose, I have 2 questions:
1- "bookmark.nsf" is the default file. Is it editable and changeable? If not, my problem is solved and I am going to always use this string to open the bookmark.
2- else, is there a way to retrieve the bookmark base using formula language?
Thanks a lot for your time.


text: As we see it, this is the problem with condos: there's not enough room for a wine cellar. Fortunately you can get a big honkin' wine rack, in the form of this 96-Bottle Antiqued Steel Wine Jail, for a cool $500. It even comes with a padlock, which is perfect for dealing with handsy houseguests.


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SPARKS Margaret (Archived)
Funeral Notice Guest Book
SPARKS: The Funeral Service for Mrs Margaret Rose Sparks, late of Waikiki, will be held in the Cruising Yacht Club, 2 Val Street, Rockingham on MONDAY morning (14.1.2019) commencing at 10.30am.
Re-activate SPARKS Margaret's Guest Book
Re-activating this Guest Book is a wonderful way to allow those who knew your loved one to express their sympathy and share fond memories. Even if you are not a member of the family, consider keeping this Guest Book open as a special gift to the family.


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Course Descriptions
The mission of the Bangor Area School District Community in the area of world languages is to develop the four language skills in the areas of listening, reading, writing and speaking, and to provide exposure to enhance the appreciation of world cultures.
Introductory French (7, 8)
Introductory French is a quarter-course that begins basic instruction in the French language. The focus is on fundamental skill-building, conversation, and sentence structure. In addition, typical aspects of French culture are investigated and experienced.
French I (8, 9, 10, 11, 12)
This basic introduction to the French language and culture teaches students to speak French and converse in French with classmates. After simple grammatical forms and vocabulary are introduced, students begin to read short stories in French, and to increase their knowledge of geography of French-speaking countries.
French II (9, 10, 11, 12)
Students continue their study of French with emphasis on speaking and communicating. Grammar is studied in depth; reading and writing skills in French are expanded. Short stories in French are read and discussed. (Prerequisite: grade of 75 or better in French I)
French III (10, 11, 12)
French III emphasizes reading and writing the foreign language. Students read several French novels and discuss them in class and review grammar that was introduced in French I and French II. Emphasis is on oral communication. (Prerequisite: grade of 80 or better in French II)
French IV (11, 12)
The objective of French IV is to improve the skills needed for reading and speaking French. Students read and discuss French history and articles from current French newspapers. Advanced grammar is discussed as the need arises. (Prerequisite: grade of 85 or better in French III)
French V AP (12)
The French Advanced Placement curriculum is the emphasis of this course with preparation for the AP exam. AP recommended novels are read and AP vocabulary is practiced. There is also extensive use of tapes for AP directed responses. Preparation also is completed for the SAT II French exam. (Prerequisite: French IV and teacher's recommendation)
Introductory German (7, 8)
Introductory German is a quarter-course that begins basic instruction in the German language. The focus is on fundamental skill-building, conversation, and sentence structure. In addition, typical aspects of German culture are investigated and experienced.
German I (8, 9, 10, 11, 12)
Students are introduced to culture and geography of German-speaking countries while developing beginning skills in listening, speaking, reading and writing. Emphasis is given on vocabulary building and basic grammar rules.
German II (9, 10, 11, 12)
All skills from Level I are reviewed, expanded, and used to develop grade level writing assignments. Conversation skills are practiced with paired activities. A short book will be read which gives practice in answering content questions and increases vocabulary. (Prerequisite: grade of 75 or better in German I)
German III (10, 11, 12)
Listening skills are given special emphasis with tapes and videos. Short stories and selections on German culture and history expand reading skills. Discussion and activities from readings increase writing and speaking abilities. All major grammar issues are covered. (Prerequisite: grade of 80 or better in German II)
German IV (11, 12)
All material from previous levels will be reviewed, refined, and expanded. Special emphasis will be given to sentence structure in writing and speaking. Students will read several short stories from contemporary German authors and be able to discuss ideas and opinions. (Prerequisite: grade of 85 or better in German III)
German V AP (12)
This level will prepare the student to take the Advanced Placement exam and the SAT II for German. All grammar will be reviewed. In writing, special emphasis is placed on idiomatic usage and sentence structure. Readings will include more non-fiction selections and reflect current topics. Speaking and listening activiites will make extensive use of cassette tapes and computer CD's. (Prerequisite: German IV and teacher's recommendation)
Introductory Spanish (7, 8)
Introductory Spanish is a quarter-course that begins basic instruction in the Spanish language. The focus is on fundamental skill-building, conversation, and sentence structure. In addition, typical aspects of Hispanic culture are investigated and experienced
Spanish I (8, 9, 10, 11, 12)
The four language skills of listening, speaking, reading, and writing are taught with emphasis on oral communication. Basic vocabulary, grammatical structures, and pronunciation are emphasized. The students also are introduced to the culture and geography of Spanish-speaking countries.
Spanish II (9, 10, 11, 12)
Students will continue to practice the four language skills with emphasis on oral communication. Vocabulary building and study of grammar are expanded to enable the student to converse naturally in Spanish. Reading and writing skills are expanded, and geography and cultures of Spanish-speaking countries are introduced. (Prerequisite: grade of 75 or better in Spanish I)
Spanish III (10, 11, 12)
All four areas of language learning again will be practiced with emphasis on reading and writing. Students will be introduced to the works of several Spanish authors through reading, discussing, and writing about them in Spanish. Vocabulary and verb tenses will be expanded, and grammar studied in Spanish I and II will be reviewed. (Prerequisite: grade of 80 or better in Spanish II)
Spanish IV (11, 12)
Reading, writing, and speaking in Spanish will be expanded through the study of Spanish and Mexican history and Latin American literature. Grammar studied in previous courses will be reviewed. (Prerequisite: grade of 85 or better in Spanish III)
Spanish V AP (12)
This course is the study of college level language and literature and often is used by colleges for placement purposes. The Abriendo Paso program by Jose M. Diaz provides advanced students with the guidance they need to continue discovering, learning, and using the language in meaningful, creative, and engaging contexts. The program also strongly develops the student's proficiency in the four skill areas, by using higher order thinking skills and critical thinking. (Prerequisite: Spanish IVand teacher's recommendation)


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Giustino DeStefano (also known as Justin DeStefano) of Williamsville New York a stockbroker formerly registered with Securities America Inc. is the subject of a customer initiated investment related arbitration claim where the customer sought $1,000,000.00 in damages supported by allegations of (1) violation of FINRA Rules and federal securities laws (2) overconcentration of the customer's assets (3) unauthorized trades placed in the customer's account (4) misrepresentations made to the customer concerning speculative products including real estate securities and direct investments (5) and the customer being defrauded in reference to a deceptive investment strategy that had been implemented for the customer's assets during the time DeStefano was employed by Merrill Lynch Pierce Fenner Smith Inc. and Securities America Inc. Financial Industry Regulatory Authority (FINRA) Arbitration No. 19-01311 (May 17, 2019).
FINRA Public Disclosure reveals that DeStefano has been identified in seven additional customer initiated investment related disputes containing accusations of DeStefano's misconduct while employed with Merrill Lynch and Securities America Inc. In particular, a customer initiated investment related arbitration claim involving DeStefano's conduct was settled for $35,000.00 in damages founded on allegations that unauthorized and excessive trades were effected in the customer's investment account; false or misleading statements had been made to the customer concerning the terms and conditions or risks of equities held in the customer's account; and the customer was poorly advised in regards to the investments held in the customer's brokerage account, causing the customer to sustain losses. FINRA Arbitration No. 15-01191 (Nov. 16, 2016).
On October 27, 2017, a customer initiated investment related complaint regarding DeStefano's activities was resolved for $35,000.00 in damages based upon accusations that over-the-counter equities trades had been executed in the customer's investment account in excessive amounts during the time DeStefano was employed with Merrill Lynch. Additionally, on December 13, 2017 a customer initiated investment related complaint involving DeStefano's conduct was settled for $13,998.76 in damages supported by allegations of suitability and unauthorized trading of equities in the customer's investment portfolio between August of 2014 and March of 2015, during which time DeStefano was associated with Securities America Inc.
Subsequently, a customer filed an investment related arbitration claim concerning DeStefano's activities in which the customer requested damages estimated to exceed $5,000.00 founded on accusations including elder abuse; violation of the California Securities Act; breach of fiduciary duty; breach of contract; and fraud relating to the aggressive and unsuitable over-the-counter equities trades executed in the customer's account while DeStefano was registered with Merrill Lynch. FINRA Arbitration No. 18-04148 (Dec. 6, 2018).
Further, a customer initiated investment related arbitration claim regarding DeStefano's activities was resolved for $525,000.00 in damages based upon allegations that fiduciary duties owed to the customer had been breached; the customer's account had been handled in a negligent manner; transactions were unsuitable for the customer; the customer's investment account had been overconcentrated in speculative and inappropriate equities positions; and DeStefano exercised discretion in the customer's brokerage account without obtaining the customer's authorization. FINRA Arbitration No. 17-02334 (Feb. 8, 2019).
The majority of the customer initiated investment related disputes involving DeStefano's violative conduct come after DeStefano was sanctioned by FINRA. In fact, DeStefano has been fined $10,000.00 and suspended for six months from associating with any FINRA member in any capacity founded on findings that while employed by Merrill Lynch, DeStefano placed trades in customer accounts without authorization; and mismarked customer order tickets. Letter of Acceptance Waiver and Consent No. 2014041504101 (Mar. 9, 2016). DeStefano's conduct was found by FINRA to be violative National Association of Securities Dealers (NASD) Rule 2510 and FINRA Rules 2010 and 4511.
The information contained herein has been obtained from reliable sources however may not be accurate and is not guaranteed by us. Readers are encouraged to undertake their own independent investigation and evaluation of the relevant facts. All claims and allegations are subject to adjudication, decisions may be subject to appeal, and no inference is intended, nor should any inference be made from any information contained herein from any source.
Questions or comments regarding the source or accuracy of any information, including any subsequent developments, should be directed to: [email protected]
This posting and the information on our website is for general information purposes only. This content should be not considered legal advice, and any responses, comments, e-mails, other communications do not form any attorney client relationship. Attorney Advertisement. See Important Disclaimer.
Guiliano Law Group, P.C.
Our practice is limited to the representation of investors. Over the last three decades, we have recovered more than a hundred million dollars for more than 1,000 injured investors from all over the United States and several foreign countries. We accept representation purely on a contingent fee basis, meaning there is no cost to you unless we make a recovery for you. There is never any charge for a confidential consultation or an evaluation of your claim. For more information, contact us at (877) SEC-ATTY.
For more information concerning common claims against stockbrokers and investment professionals, please visit us at stockbrokerfraud.com
To learn more about FINRA Securities Arbitration, and the legal process, please visit us at securitiesarbitrations.com


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To create the fastest XC race rocket the world has ever seen, you've got to think a little differently. From its asymmetrically offset rear triangle and drivetrain to its new-school geometry and custom offset Lefty, every part of the new F-Si was designed as a System, fully Integrated in the pure pursuit of speed.
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We are in search of an International Expansion Lead to execute our global expansion strategy.Youll be responsible for managing & executing targeted market expansions & form part of our Apparel team based in New York.In this role, youll lead broad cross-functional initiatives with the goal of setting up Peloton Apparel for successful launches in selected markets.
Founded in 2012, Peloton is a global technology company reinventing fitness by bringing the energy & benefits of studio-style workouts to the convenience & comfort of home. With more than 10,000 live & on-demand classes, taught by a roster of elite instructors, Peloton delivers real-time motivation & curated playlists from the world's best artists. Peloton is changing the way people get fit through a comprehensive & socially-connected experience that makes every workout both efficient & addictive. The brand's immersive content is accessible through the Peloton Bike, the Peloton Tread, & Peloton Digital, which provide a full slate of fitness offerings, anytime, anywhere.
Headquartered in New York City, Peloton was named the fastest growing company in the city by Crains & is consistently named among the most innovative companies by Fast Company. Pelotons investors include True Ventures, TCV, Fidelity Investments, Wellington Management, JP Morgan Private Bank, NBC Universal, & Kleiner Perkins. Learn more at onepeloton.com.


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Always in stock HT lumber.
All of our heat treated lumber and panel inventory is available as is or cut to order. All HT lumber is wrapped in paper and stored dry under roof to assure on-time delivery of quality product that's ready to use. This is the same inventory that we use to custom make crates, kits, rod boxes and pallets. Special orders are our specialty.
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Specializing in HT lumber, plywood, cut-to-size, crates, production platforms, closed loop pallets, skids, pallets, bracing, blocking and custom work.


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Oct 9, 2019
Small business lending is an exploding field. With crowdfunding, marketplace lending, and venture capital financing, there's no shortage of options available to the small business owners of today.
Unfortunately, many entrepreneurs aren't aware of their options. Even if you know what's available, you may not know how to get started. That's where this guide comes in.
We'll be looking into many of the major funding options available to entrepreneurs and how those options may or may not be relevant to your business strategy. There's a lot out there, so we've organized this guide into 5 sections, each detailing a particular kind of small business financing.
Feel free to hop to any section that interests you. Or buckle your seatbelt, turn on your favorite song, and get ready for a trip through the jungle of small business financing.
This one's a real classic among entrepreneurs—hitting up your rich Aunt Mayberry for a little holding money to get your business off the ground. It's a tale as old as time, but unfortunately, these tales tend to end in damaged family relationships and endless awkward Thanksgiving dinners.
It's simple: loans from people you know and love usually mean easy approval, all paid interest stays in the family, and your "lender" is more likely to be flexible about payment arrangements.
Also, you often can borrow 100% of the required amount and enjoy lower interest rates. A national survey by Fundable found that 38% of startups rely on money lent from family or friends. These kinds of deals are common, but there are some serious drawbacks to structuring them incorrectly.
The one thing you want to avoid overall is damaging your relationship with your loved one. Difficulty in personal loans usually comes as a result of the lendee being unable to pay the lender back but can also appear in the form of misunderstandings.
To avoid the kinds of misunderstandings that plague personal loans, you must have a detailed discussion with your intended lender. These are the crucial details you must discuss:
There's more than one way a family member can finance you. They can put together a loan agreement where they lend you money at a given interest rate. They may also decide to gift you the money without the expectation of repayment. Or, they can offer to cosign a loan application.
Cosigning is a way for your family member to use their credit to help you get a bank loan. That way, their money isn't at stake in your venture. Their credit is, however, so be sure they're aware of the risks of cosigning as well.
Sometimes arguments arise when family members think that their loan means they can order you to make business decisions. Be sure to outline exactly how involved you want your family member to be in the process before accepting any money.
Also, absolutely tell your family member to talk with the IRS about any loans they intend to offer you because they could end up with tax issues at the end of the year if they don't follow IRS guidelines for family loans.
Once they know the risks and are ready to lend to you, make sure you draw up a legal document. Basic terms for a loan agreement with family or friends should include:
The loan agreement should also clearly state the lending party's recourse in case of nonpayment, including:
A 2017 survey by Lending Tree reported that 1 in 4 people who lent money to family or friends said the situation was not positive and the same number said they wouldn't do it again. Most of the time, loans between family and friends don't work and hurt relationships.
In the end, family lending is a sloppy business but one with some benefits. Avoiding common mistakes can keep relationships intact, but involving family in finances is always risky.
Securing a loan from traditional lenders has been a problem ever since the 2008 recession. The housing crisis backed a lot of banks into a corner and forced many of them to impose heavier restrictions on their lending practices.
This change ultimately meant fewer loans for small businesses and those businesses that did secure loans had to be doing very well and have an air-tight business plan.
However, banks are still a viable option for seasoned business owners who need extra capital. Just be ready for a mountain of paperwork. That's right, an actual mountain.
Below is a list of the kinds of information and paperwork most traditional lenders require to approve financing for interested parties. Behold the mountain:
The traditional loan application process usually takes around 29 hours to complete. And what do you get after all of the time and turmoil spent applying? Usually nothing. Banks clock in an 80% rejection rate.
If your credit isn't superb, it's not worth the time investment to fill out an application for a bank loan. Your best bet for securing one of these loans is to have stellar credit and an impeccable business track record.
If you are one of the lucky few who get approved, you'll usually have to wait for 2–3 months to find out. After those months have passed and you've gotten approval, you'll then have to wait 90 days before the funds are transferred into your bank account.
It's an arduous process that takes a long time, but once you reach the finish line, you usually have a pretty good loan product with a decent interest rate.
But if you don't fit the category of stellar credit and an impeccable track record, where are you supposed to go? Not to worry, you've got options.
Marketplace lending came in clutch when the banks started choking back on small business loans. Even though the supply of loans plummeted after the 2008 recession, the demand held strong and even increased.
Digital and internet technologies made starting small businesses more viable to enterprising individuals in addition to providing the key innovative footstool on which technology-based lending platforms like marketplace lending could be built.
Rather than forcing applicants to spend several hours filling out paperwork, lending marketplaces fast-track the application process by using a single online application to match business owners with financing options from a variety of lenders.
At Lendio, for example, our application takes a whopping 15 minutes to complete. That's shorter than an episode of Seinfeld and just barely longer than the time it takes to boil some Cup Noodles.
Also, lending marketplaces boast a 70% approval rate for applicants. At Lendio, once your application is complete, it's sent off to more than 75 accredited lenders. That's 75+ chances to get approved after a 15-minute application compared to a 20% traditional loan approval rate after a 29-hour application process.
Also, it's common to start getting approved for loans within the first 24 hours of applying. Best of all, with a lending marketplace you have options. Not only will you likely get multiple offers from Lendio's partners, but you'll get offers of all kinds to fit your specific business needs.
Here are some of the loan products Lendio offers to small businesses that fill out the 15-minute application:
The business term loan is a classic among entrepreneurs. Loan amounts vary from $5,000 up to $2,000,000, and you'll often get the cash within a few days of being approved. The term of the loan is from 1–5 years, and the interest rates usually start around 6%.
Short term loans are lightning-fast, getting you money in as little as 24 hours. The amounts range between $2,500 and $500,000 and have interest rates that start at 8%. Because these loans can be approved so quickly, they're perfect for when your business needs fast cash. The term of the loan is between 1–3 years.
Need a new breakroom fridge? Maybe you need a tractor, an industrial stapler, a shiny milkshake machine. Whatever piece of equipment is going to take your business to the next level, that's the one an equipment loan will help you purchase. Amounts go up to $5,000,000 with interest rates starting around 7.5%. And the money can be available after a couple of short days.
There's a lot to say about SBA loans that could easily add a couple thousand words to this guide. Here are the basics:
These loans range from $50,000 up to $5,000,000. The paperwork for these puppies is almost as bad as a traditional loan, and approval and disbursement of funds can take up to 3 months. But securing one of these bad boys means getting yourself a loan with highly favorable rates and terms.
Also, these loans are tailored to small businesses, so they're easier to get approved for than a bank loan despite a long and arduous application process. The SBA guarantees a portion of these loans, which reduces the lender's risk and leads to more generous approval rates.
While our 15-minute application won't land you an SBA loan, it will put you in contact with our lending professionals who can help you apply for one through our lending partners.
We've only scratched the surface of the kinds of loans Lendio offers via our marketplace, but we can't talk about ourselves forever despite the temptation to geek out on our awesome stuff. (We're a little biased, can you tell?)
But despite how great lending marketplaces are (in our opinion), there are still a few options we haven't covered yet. Let's jump into them.
Crowdfunding is an exploding industry "with over $2 billion raised via equity and reward crowdfunding in the United States in 2015 alone," says the Harvard Business Review.
It's a great space but only for a specific type of business. When people think of crowdfunding, they often think of Kickstarter. Kickstarter's crowdfunding is reward-based—consumer investors usually expect to receive a copy of whatever product is being funded.
Crowdfunding works for businesses looking to fund product development and dispersal. It's not particularly good for anything else. It's important to note that 5% of all pledge money goes to Kickstarter, so you'll have to run the math before popping your product ideas on the site. If your calculations show desirable profit margins, then crowdfunding is a viable option.
One bright side of crowdfunding for female entrepreneurs is that women tend to outperform men on these sites. Recent research shows that women are 13% more likely to succeed in raising money on Kickstarter than men.
So if you have a crack marketing team and a shippable product, crowdfunding may be a viable option. If not, do not fear—there are still other options.
Angel investing makes for great television. There's nothing like watching Mark Cuban lob hard-hitting questions at hungry entrepreneurs looking for a financial boost. It's sensational, but here's how it boils down in the real world.
Angel investors and venture capitalists (VCs) differ on 3 points:
Angel investors are usually a single wealthy entrepreneur interested in helping a small business grow. Investors in venture capital funds are a collection of large institutions such as pension funds, financial firms, insurance companies, and university endowments.
Angel investors typically invest in young startups. Venture capitalists, on the other hand, invest in slightly older companies with solid bottom lines. According to Bill Gerber, cofounder of the virtual accounting firm AccountingDepartment.com, $5 million in annual revenue is the magic number at which venture capitalists will start to consider investing in a company.
Finally, VCs invest more money than angel investors. According to the Small Business Administration, the average venture capital deal is $11.7 million, while the average angel investment is $330,000.
Venture capital investing and angel investing are similar in that entrepreneurs ask for financing in exchange for equity in their businesses. According to Crunchbase, "the median and average level of VC ownership at exit was 53% and 50% respectively. In other words, by the time of exit, VC will likely own half your business."
In both situations, entrepreneurs lose some control over their businesses as the investor becomes a crucial decision-maker in the future of the company.
Also, women seeking venture capital funding are at a disadvantage. Even though women own 36% of all businesses, they only received 2% of the $85 billion invested by venture capitalists in 2017.
Additionally, venture capitalist groups tend to be very industry-biased. In the second quarter of 2019, $12 billion of VC funding went to businesses in the internet space. Health care came in a distant second with $4.6 billion.
In other words, if you have the specific kind of business investors are looking for, your financials are top-notch, and you're OK with losing some control, then angel investment or venture capital may be the way to go.
There you have it—a guide to most of the popular funding channels. Whichever one you choose to pursue will be based largely on the needs of your business and the kinds of financing you can qualify for.
You know we're a little biased towards Lendio's sweet marketplace, but our 15-minute application is a good place to start if you're ready to compare your options right away. Once submitted, your application will be capable of scoring you a plethora of loan offers from our 75+ lending partners.
It's the comparison shopping of small business financing and here's the best part: those 75+ lenders are all competing for your business. Get started today.
Andrew Mosteller is a freelance writer and regular contributor to Lendio News. His upbringing in an entrepreneurial family nurtured a passion for small business at a young age. Andrew's father, an equity fund manager, taught him the ins and outs of investment financing. Now, Andrew spends his time writing copy for business owners, helping them expand and advertise their unique brands. He's also studying Strategic Communications at the University of Utah. When Andrew's fingers aren't glued to the keyboard, he spends his time reading, podcasting, composing music, and bombing down the ski slopes.
Dec 5, 2019
Dec 4, 2019


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Obituary of Jean Ganson Crawford
Jean Ganson Crawford, born Madaline Jean Byrd and affectionately known as "Byrdie" or "BTB", passed away peacefully on July 27, 2019, in her residence in Simi Valley, Calif. She was 88 years old. A Celebration of Life will be held at the Rose Family Funeral Home on August 1, 2019, at 10:00 a.m.
Jean was born in Englewood, N.J., to Frederick J. and Madaline E. Byrd on November 26, 1930. She attended Closter High School, graduating in 1948, then attended Central College in Pella, Iowa, for two years. She married Donald McFarlan Ganson Jr. in 1951 and built their first home in Cheesequake, N.J.
Between 1951 and 1973 Jean and Don moved 12 times and had six children! Needless to say, she was a full time home-maker and mother for many years. Jean later worked in a department store as a sales associate for 20 years, retiring in 1996. She worked part-time in her daughter Debbie's chiropractic office for several years thereafter.
Jean was widowed at age 57, losing her husband Don to cancer. Nevertheless, she managed to retain the family home and finish raising all six children, including funding college for those who desired. She was proud of her financial independence on rather modest earnings.
In the summer of 2001, Jean married widower Ken Dale Crawford of West Hills at the Canoga Park Presbyterian Church, where they were both long time active members and Deacons. They also enjoyed taking trips in their motorhome, visiting family and sights around the country. Sadly, she was unexpectedly widowed within the year.
Jean's hobbies included spending time with her six grandchildren, camping, playing the piano, gardening, walking and singing in the church choir. She was involved in P.E.O. and volunteered for the American Lung Association. She received many awards and titles in high school that spoke of her vivacious and kind personality: Class Clown, Best Actress, Easiest to Get Along With, Class Giggler, Nicest Eyes and, finally, Most Admired.
Jean Ganson Crawford is survived by her children Kerry Perkins, Bruce Ganson, Sandy Heinis Ganson, Evelyn Ganson Trevino, Joe Trevino, Doug Ganson, Scott Ganson, Sirima Buddhari Ganson, Debbie Ganson Nino and John Nino; her grandchildren Jessica Perkins, Mark Trevino, Adam Heinis, Daniel Trevino, Lindsay de la Rosa, Lou de la Rosa, and Christine Trevino; and great grandchildren Atlas Flatt-Trevino and Opal Rose Trevino. Jean is preceded in death by husbands Donald M. Ganson Jr. and Ken D. Crawford, her daughter Carol Ann Ganson Perkins, her grandson Paul Michael Trevino and her brother William F. Byrd.
Memorial donations may be made to the American Heart Association (www.heart.org)
The family wishes to extend their gratitude to Simi Valley Residential Care and Assisted Hospice for the compassion provided to Jean in her final days, as well as to all who love Jean and her family for their support throughout this time.
Memorial Service
who we are
Rose Family Funeral Home is a family owned and operated business. With kind, caring and capable staff, we take pride in the way we interact with our families and their loved ones. Know that with Rose Family Funeral Home, you'll be treated just like family.
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4444 Cochran Street
Simi Valley, CA 93063
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There was a time, not too long ago, when "no nukes" was a mantra among those who considered themselves friends of the environment. It was almost a condition precedent for being considered an environmental activist at all that one was not an advocate for increased reliance upon nuclear power and, indeed, that one's demands went the other way entirely.
In recent years, one might even say in recent months, much has changed. Since the dominant environmental issue of our day is the release of carbon into the atmosphere and fear of the global consequences that practice has, and since the workings of nuclear reactors offer low-carbon electricity generation, they are benefitting from a change of heart, acquiring new friends.
This week brings an example of that shift. The British government says that it will invest millions of pounds over the next three years in the research and development of mini-nuclear plants, formally known as "small modular reactors" (SMRs). This is somewhat less, but probably more important, than the pot of money the same government has pledged for nuclear fusion research. What is important about SMRs? They enhance planners' flexibility because, in contrast to the conventional nuclear plants, they are not manufactured on site. They are factory made and transported to the desired site. That's the "modular" part of the name.
The Energy Minister in Britain, Richard Harrington, told a reporter that nuclear "is a vital part of our energy mix, providing low carbon power now and into the future so today's package of new measures will help to boost innovation and provide greater clarity on our future plans."
The amount the government pledged for R&D for the SMRs is ₤56 million (US $75 million). The amount it pledged at the same time for work on fusion is ₤86 million (US $115.36 million). The SMR piece of the puzzle is a bigger story though, because it represents potential contributors to the power grid as early as the mid 2020s.
The announcement coincided with the release of a government backed study that indicates that by 231 the cost of building and operating SMRs will be roughly ₤101 per megawatt hour (MWh). That is significantly more than the ₤79 MWh for large nuclear plants but it is on the inexpensive side of the cost of building and operating combined cycle gas turbine plants (₤98 to ₤121 per MWh).
As for the fusion work at the Culham Centre for Fusion Research in Oxfordshire, one of the world leaders in the field: the International Thermonuclear Experimental Reactor (ITER) is in final detailed design phase. But ITER, even when complete, won't produce electricity. It is supposed to prove the viability of the concept by creating a fusion plasma. Then the emitted heat will be vented to the atmosphere and work will begin on the next stage, DEMO, which is expected to generate electricity. Further, DEMO is as the name suggests a demonstration project – it won't produce electricity for market even assuming all goes well. Fusion is a still-uncertain research road.
Also this week …
David Mahlobo, the energy minister in South Africa, says that his government will push ahead with its nuclear power project. South Africa has the only nuclear power plant on the continent. It wants to expand its nuclear capacity but (Mahlobo also said) will do so at a slower pace than had been planned given the ailing economy.
"The country is not in good shape," the minister said, "we are all cognizant, that's why we chose a mantra: pace, scale, affordability and environmental responsiveness." Of those elements, it is scale that has changed in the latest plans, he said. "We will no longer do 9.6 when you talk about nuclear." That is a reference to the earlier ambitious talk of 9,600 MW of output from this source.
At present 5% of South Africa's power comes from nuclear. Mahlobo said the government wants to get that number to 20%, but he gave no timeframe on that.
Some of the government's plans in this field suffered a setback in April of this year when the Western Cape High Court ruled that some of the more opaque development contracts were illegal, emphasizing the need for meaningful public participation in the contracting processes.
Mahlobo has since offered assurances that everything will be properly transparency going forward. "You can't put the procurement process under the carpet," he says, "It will be on the table. Everyone will be able to see."
BMW said that it expects its sales of electrical and hybrid cars will increase sharply in 2018. Its research and development chief, Klaus Froehlich, said at an event that the 2017 sales target was 100,000 such vehicles. It appears on course to hit that target. Froehlich also said that 2018 sales will exceed that number by what Froehlich called a medium double-digit percent.
BMW launched its i3 electric car in 2013. Car & Driver was enthusiastic, writing that the "carbon-fiber and aluminum structure and electric powertrain" mean that the i3 "advances BMW's legendary driving dynamics into the future," though the magazine did find the handling and braking "unimpressive." The company plans to have 12 different models available by 2025.
Finally for this week, Motherboard, an online tech publication, part of Vice Media, has published a fascinating article by Stephen Leahy about Canadian zoologist Susan Crockford and her influence on global warming denialism.
Crockford, who holds an unpaid adjunct position at the University of Victoria, and who has neither done any field research on polar bears nor spent any time in the Arctic, punches above her weight as a blogger. She contends that the number of polar bears is booming. As she has written, "Although the gullible media still pretends to believe the doomsday stories offered by these researchers" [apparently she means researchers who say that the polar bears are threatened], "the polar bear has fallen as a useful icon for those trying to sell a looming global warming catastrophe to the public."
A recent paper in BioScience emphasizes that "the fundamental relationship between polar-bear welfare and sea-ice availability is well established," because seals are the main prey of these bears, and bears can only reliable catch the seals on the surface of the icepack.
Crockford simply "extracts partial research outcomes and portrays them as contrary to the documented effects of AGW on sea ice and polar bears…."
Born in 1958, on the western side of the Tappan Zee, vocal at once, literate soon enough, and curious always.