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Traders | Investors | Hedge Funds
Start a Hedge Fund
Starting a Hedge Fund
Operating a fund entails significant legal exposure, with substantial liability for improper disclosure. Even inadvertent mistakes may expose you to civil liability and criminal penalties.
Learn More About Hedge Fund Law
This notwithstanding, the United States is one of the best countries in the world for hedge funds as it is lightly regulated (compared to the rest of the world) and allows for low start up costs.
Contact Hedge Fund Attorney Hannah Terhune for a Free Consultation
We set up equity, real estate, venture capital, and
forex and futures
funds in the United States and in other countries.
Learn More About Offshore Hedge Funds
Learn More About Our Hedge Fund Launch Process
U.S. Hedge Funds
The United States offers easy and low cost access to the legal, accounting, brokerage, and regulatory services you need. Hedge fund organizer(s) are surprised to learn about the "light touch" of U.S. regulation and low costs associated with forming a U.S. hedge fund. If you are based outside the United States and want to setup a U.S. fund, read the information provided below (to the end of the page), see
See World's Favorite New Tax Haven Is the United States
Read Our Leading Media Article "American the Beautiful Tax Haven"
Fund Structure
To start a U.S. hedge fund, you need to form two business entities: the hedge fund and its investment manager. Many factors may be involved in selecting an appropriate state in which to organize a private fund. Some investors prefer some jurisdictions over others. Some states tax a limited liability company ("LLC") or its non-resident members. Some states also tax non-resident limited partners. Other states, such as New York, may impose other taxes. For these and many other reasons, the U.S. hedge fund is typically set up as either a Delaware Limited Partnership (LP) or Limited Liability Company (LLC). Other types of entities can also be used. Traditionally, private funds offered to individuals have been structured as LPs and, more recently, as LLCs. Both LPs and LLCs offer pass-through tax treatment – that is, unlike a corporation, they are not subject to entity-level taxation. Instead, investors in an LP or LLC generally are taxed on their pro rata share of the income, gains and losses of the LP or LLC, irrespective of whether they receive any distributions from the LP or LLC.
The principal advantage of an LLC over an LP is that the management of the LLC has limited liability for its debts, liabilities and obligations. Under the Delaware Limited Liability Company Act, a member of an LLC, whether a managing member or non-managing member, has no liability beyond the member's investment in the LLC. Conversely, the general partners of an LP are liable for the debts, liabilities and obligations of the LP, which can exceed the amount of the general partners' investment. Limited partners are protected from personal liability beyond their investment in the LP provided that they do not participate in its management. An LP can, however, effectively limit the liability of the general partner by creating a corporation to serve as the general partner.
Management Company Structure
The investment manager can be set up as a LLC, a limited limited liability partnership (LLP) or limited liability limited partnership (
LLLP) or as some other type of business entity in your home state, home country or offshore.
Contact Us for Assistance
Different states may have significant regulatory provisions affecting private funds, such as provisions requiring private fund advisers to register under state law, restrictions on solicitation activities and accepting performance fees, provisions requiring securities registration and broker-dealer registration provisions.
Delaware Statutory Trusts
Delaware statutory trusts (formerly known as "business trusts") are frequently used by entities (such as banks) to manage investment vehicles without being an equity holder.The trust must have at least one trustee that is a resident or has its principal place of business in Delaware. The trust instrument may provide for classes, groups or series of trustees or beneficial owners and may provide for the taking of any action without the vote or approval of any particular trustee or beneficial owner or any class, series or group of trustees or beneficial owners. Delaware statutory trusts are eligible to receive pass-through tax treatment under the Code the same as LPs and LLCs.
Timing a Fund Launch
In general, a U.S. hedge fund takes about four (4) weeks to organize including the time needed to prepare offering documents, file SEC Form D in the EDGAR System and to arrange for the hedge fund's bank and brokerage accounts.
Learn More About Hedge Fund Offering Documents
Learn More About Hedge Fund Regulatory Filings
Contact Us for a Free Fee Quote & Consultation
How many investors can invest in a U.S. hedge fund?
Section 3(c)(1)
fund is limited to 100 accredited investors (35 of which can be non accredited investors). An Accredited investor (if an individual) must have either (i) a minimum of $1 million net worth or (ii) $200,000 annual income/$300,000 if combined with spouse, or (if an entity or trust) a minimum of $5 million net worth. Most startup hedge funds are structured as 3(c)(1) funds because of the lower investor suitability requirements.
Learn More About Accredited Investors
A Section
3(c)(7) fund
is only open to "qualified purchasers." A qualified purchaser (if an individual) must have a minimum of $5 million in net investments, or (if an entity or trust) a minimum of $25 million in net investments. In our experience the 3(c)(7) exemption primarily is used by funds backed by institutional investors.
Learn More About Hedge Fund Regulations
Contact Hedge Fund Attorney Hannah Terhune for a Consultation
File SEC Form D & State Blue Sky Filings
Form D is a notice of an exempt securities offering under Regulation D that is filed with the SEC. Form D discloses information about the fund and the managers. Form D is not subject to a review or approval by the SEC and must be filed within 15 days of the first sale to investors and if the offering is ongoing, the Form D must be filed annually.
Contact Us For Help Filing Form D & State Blue Sky
In addition to the SEC Form D requirements, each state requires Form D notification filings. Most but not all states require the state notice filing be made within 15 days after a resident of the state invests in your fund.
Learn More About Hedge Fund Law
Learn More About SEC Form D & State Blue Sky Hedge Fund Filings
Delaware Hedge Funds
U.S. hedge funds are established primarily in Delaware because Delaware offers the most advanced business friendly law in the United States. The reason for this is that Delaware has a sophisticated Court of Chancery that focuses on company law. This Court has reputation for being pro-management and efficient when adjudicating disputes between investors and hedge fund management. Given the depth, predictability and friendliness of Delaware's body of company law decisions and given that hedge fund operations result in a significant division between ownership interests (i.e., investors) and control (i.e. fund management), it makes sense to set up a hedge fund in Delaware. U.S. Government Report cites Delaware as the most secretive state in the United States.
Read the GAO 2006 Report of U.S. Company Formations
Given the depth, privacy, predictability and pro-business cast of Delaware's company law, it makes good business sense to set up your hedge fund in Delaware.
Learn More About U.S. Company Formations
Contact Us For Help
Hedge fund sponsors based outside the United States can set up both a hedge fund and investment management company in the United States.
Learn More About U.S. Company Formations
Hedge Fund Documents
There are four categories of documents that we prepare to help you launch a fund: (i) formation documents; (ii) offering documents; (iii) internal documents; and (iv) certain regulatory filings.
Formation Documents
are the constitutive documents filed with the government to establish the existence of the entities, including the fund, the general partner and investment management company. These include certificates and articles of formation. Some clients make the mistake of forming entities before consulting speaking with us. The legal structure for your fund is dependent on a number of tax, regulatory, and financial considerations. For example, you have to consider whether your fund should be closed-end (i.e., preferable for real estate and venture capital funds) or open-end fund; whether to rely on Section 3(c)(1) or 3(c)(7) as an exemption from the Investment Company Act (i.e. real estate funds typically rely on Section 3(c)(5)(C)); and whether to set up an offshore fund or a U.S. fund.
Operating Agreements
The fund manager and general partner operating agreements are the legal governing documents that provide for the rights of the founders of the fund. These documents specify how ownership of the fund is divided among the principals of the fund, how voting is decided, how the company will wind up upon dissolution and other important internal provisions. The management company and general partner operating agreements and their contents are generally not disclosed to investors. These documents are neither filed with the government nor provided to investors, but kept on file with the fund. These internal agreements set forth the rights and responsibilities among the individuals sponsoring the fund and between the fund and investment manager. These include the operating agreements of the general partner and management company, as well as the investment management agreement.
Investment Management Agreement
The investment management agreement is an agreement between the fund and the investment management company (often the same entity as the general partner). It defines the services that a fund manager will provide. It also delegates to the fund manager authority over the fund's assets, and gives the fund manager the broad discretionary authority to manage such investor funds and securities in a manner that the fund manager believes is consistent with the investment strategy of the fund.
Fund Offering Documents
The offering documents are the documents that are provided to a prospective investor prior to investing in your fund. These documents include: (i) a private placement memorandum; (ii) a limited partnership agreement or operating agreement (depending on whether the fund is formed as a limited partnership or LLC; and (iii) a subscription agreement, which includes a purchaser questionnaire to determine investor qualification. A private placement memorandum (PPM) is a document that discloses material information about your fund. A thoroughly prepared PPM should protect you from investor claims of lack of disclosure.
Limited Partnership Agreement (LPA)
The LPA (or in the case of an LLC-based fund, an operating agreement) is the legal governing document of your fund. It outlines the terms of the fund and the rights of an investor. Among the terms of the limited partnership agreement are: the powers of the general partner; management, performance or other potential fees (i.e., legal startup costs, brokerage, administration, and audit expenses; allocations and distributions of profits to all partners, including how profits are calculated and the timing of distributions; withdrawal provisions, including minimum and maximum withdrawal amounts, lock-up periods, gates, and distribution dates; and a designation of power of attorney, which authorizes the fund manager to act on the limited partner's behalf for such purposes as voting the fund's securities, buying and selling fund securities, admissions of new limited partners, and amendments to fund formation documents and other documents necessary for continued fund activity.
Subscription Agreement
A subscription agreement provides your investors with a description of the steps necessary to invest in your fund. It is the investor's contract with the fund, which specifies the subscription amount and outlines the terms under which the investment is being made. It requires investors to attest that they meet certain eligibility standards, such as being an "accredited investor" or "qualified client" as required by SEC and state law. If your fund is an advertised fund under Regulation D Rule 506(c), it contains an "Accredited Investor Certification Form."
Learn More About Advertising Your Fund
Regulatory Filings
Regulator filings are documents that need to be filed with the federal and state jurisdictions (in addition to formation documents) that are needed to satisfy certain securities law structures, registration exemptions and rules applicable to the investment instruments traded. Among these filings are: SEC and state Form D filings (which are required whenever there is a US investor); Investment advisor registration (depending on the state in which the fund managers are located, the amount of assets under management and the type of investment); and Registration with the Commodities Futures Trading Commission (CFTC) (applicable to certain hedge funds that invest in commodities, futures, swaps, currencies and similar instruments).
Hedge Fund Advertising
The United States allows hedge fund advertising for hedge fund's offered under Rule 506(c) of Regulation D only to
accredited (and higher) investor
operated by hedge fund managers who are registered investment advisers (i.e., RIA) with either the SEC or a state.
Learn More About Hedge Fund Marketing & Raising Capital
Rule 506(c) of Regulation D
bans industry "bad actors" (i.e., certain felons). The Bad Actor Disqualification rule is available
and a summary of the law available
Investment Adviser Registration (RIA)
Not all hedge funds are subject to investment advisor registration. Only funds that invest in securities force their managers to register as an investment advisers. The definition of a "security" is very broad and covers investment instruments, schemes and structures. Funds that invest only in commodities, futures, currencies, real estate investments, or certain private equity investments are subject to other rules. Fund managers that advise only venture capital funds, regardless the state of domicile, are generally exempt from state or SEC RIA registration. A securities hedge fund manager that manages over $150 million is required to become a SEC RIA.
Learn More About SEC RIA Formation
In most states, a hedge fund that invests in securities and has less than $150 million under management must register as a state RIA in the state where the primary operations of the fund manager are located. Many states offer an Exempt Reporting Adviser (partial RIA) to advisers on private hedge funds.
Learn More About State RIA Formation
Contact Us For Help
Performance & Management Fees
Hedge fund managers typically charge a management fee based on assets under management (AUM), and a performance fee (also called an incentive allocation, carried interest, performance share, etc.) based on the hedge fund's success.
Learn More About Hedge Fund Performance and Management Fees
SEC registered hedge fund managers can charge performance fees (i.e., the carried interest) only to "qualified clients".
Learn More About Qualified Client
This rule also applies to some state registered investment advisers (RIA).
Learn More About SEC RIA
Learn More About State RIA
If you are not SEC registered you most likely can charge performance fees to all of your investors. In some U.S. states, performance fees can be paid to a licensed RIA only when the profits of the fund exceed a hurdle rate or on an annual basis. We will advise you as to the permissible fee arrangements for your fund. Be certain that your expectations about charging performance fees are correct. Management fees can be charged to anyone.
Contact Us for Assistance
Should I Avoid Non-Accredited Investors?
If you allow non-accredited investors to invest in the fund, you need to have an initial financial statement prepared (i.e., an initial audit).
Learn More About Hedge Fund Audits
In addition, your non-accredited investors must (alone or together with a purchaser representative) be sophisticated in that they must have sufficient knowledge and experience in financial matters to evaluate the merits and risks of investing in your hedge fund. If you allow non-accredited investors, you must prepare your hedge fund offering documents to a higher standard (i.e., as if you were offering the securities publicly). Your hedge fund's offering documents must be crafted to explain specific risks that the fund may face. We will help you make the proper disclosures required throughout the Private Placement Memorandum and protect you and the fund from unintentionally making misleading statements and material omissions. A hedge fund PPM requires specific language, drafting style, disclosures, and content.
Learn More About Hedge Fund Offering Documents
Fund Administration
Unlike most other countries, there is no legal requirement in the United States to appoint a hedge fund administrator. However, using one is encouraged as having calculations prepared by a fund administrator decreases the cost of an outside audit and the preparation of the fund's tax return (Form 1065 and K-1s). Hedge fund administrators provide detailed NAVs, performance records, brokerage statement reconciliation, tear sheets, and much more. Investors and regulators see value in the appointment of a third-party administrator.
Learn More About Hedge Fund Administration and Costs
We offer low cost and timely hedge fund administration services. Please refer to our
Fee Schedule
Sample Performance Report
Contact Us for Assistance
Our Hedge Fund Services Include:
Consulting with and advising you on tax (i.e., S or C corporation elections), regulatory (i.e., state or SEC investment adviser registration & NFA registration and exemptions), US & International legal and business matters (i.e., operative agreements among multiple hedge fund organizers, contractor agreements, algorithm licensing agreements, etc.) that apply to you, your intellectual property, the fund and your investment management company;
Structuring hedge fund performance and management fees (plain vanilla & graduated rate fees) that are lawful;
Answering your fund and management company related questions;
Preparing the Private Placement Memorandum (PPM, Prospectus, etc.) in plain English while accurately and lawfully disclosing the fund's investment terms, trading approach, and other relevant data from a legal and marketing standpoint;
Preparing the Limited Partnership Agreement or LLC Operating Agreement governing the fund;
Preparing the hedge fund Subscription Agreement;
Preparing the investment management agreement between the fund and the investment management company;
Forming the hedge fund and its management company;
Preparing and filing the hedge fund's SEC Form D in the EDGAR System;
Preparing and filing state Blue Sky filings;
Advising you on fund marketing, branding and operational issues;
Coordinating and arranging for the fund administrator, auditor, prime broker and other service providers; and
Advising you on capital raising issues, database listings, and resources related to finding investors for your hedge fund, and
Numerous other advisory services (i.e., capital introductions).
Foreign Fund Managers Can U.S. Register
Many hedge fund sponsors based in other parts of the world choose to set up a U.S. investment manager to avoid home country licensing issues and to make the hedge fund more attractive to U.S. investors. Another reason for considering U.S. investment adviser registration is to satisfy a brokerage and/or bank's requirement that a hedge fund's manager be licensed somewhere before it is willing to supply bank and/or brokerages services to a new hedge fund.
Set Up a U.S. Investment Manager
If your home country's licensing requirements put investment manager registration out of reach, consider getting licensed in the United States. Fortunately, any foreign based investment manager is eligible to register with the U.S. Securities and Exchange Commission (SEC) without regard to the amount of assets under management. The SEC registration process is very simple and relatively streamlined. The SEC, it is a very light regulator of foreign-based hedge fund managers.
Learn More About U.S. SEC Registration
Contact Us for Assistance
Use of Offshore Hedge Fund Manager to Avoid Home Country (or State) Hurdles
A U.S. hedge fund's investment manager can be set up in your home country, offshore, or in the United States. Unfortunately, many potential hedge fund managers live in countries where the capital formation, tax and regulatory hurdles to become a hedge fund manager are insurmountable. Many countries require a working background in finance, substantial education, and other credentials to be licensed as a hedge fund manager. Even if you have the necessary background and experience, you may not be able to obtain licensing in your home country simply because the regulators do not favor smaller one-man operations. If you are based in a country like that, consider setting yourself up an investment manager, either in the United States or elsewhere.
In the United States, companies can be formed in minutes and a U.S. visit is not required.
Learn More About U.S. Company Formations
Note that you can use the hedge fund management company not only to serve as the fund's investment manager, but also to operate a managed account business (i.e., unlike a hedge fund, managed account customer money is not pooled).
Contact Us for Assistance
Use of Investment Adviser Sub-Contracts
Many hedge fund sponsors opt to set up a hedge fund management company outside of their home country or home state, whether for tax, commercial, or regulatory reasons. If you (as the hedge fund sponsor) set up the hedge fund management company outside of your home country or home state, you should have a sub-agreement for "consultancy" or "advisory" services between yourself and the offshore (or out of state) hedge fund management company. In the United States, an investment adviser is an investment manager. However, there is legal distinction between "investment manager" and "investment adviser" in most other countries. If you live in a country where a such a distinction exists and if you set up the hedge fund's manager in such a country, you should position yourself through contracts as a consultant to the offshore investment manager. Such "advisory" or "consultancy" services (i.e., an independent research analyst) is not a regulated business activity. To do this, you need an agreement between the offshore investment manager and a sub-agreement between the investment manager and the investment adviser. The goal of the agreements is to allow you to offer research services to the offshore investment manager for a fee. There are other approaches to consider as well. When the investment advisory agreement is drafted properly and timely executed, you will be able to control the timing, tax character and amount of taxable income reportable in your home country. In addition, if the investment management agreement between the fund and the investment manager are drafted correctly and timely executed, further income deferral is possible. A hedge fund manager seeking to defer substantial amounts of management and performance fees should use third-party (i.e., "outside") directors to ensure that the deferral mechanisms are respected for home country tax purposes.
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Hedge Fund Banking and Brokerage Services
For either banking or brokerage services, you cannot use your personal account as the hedge fund's account. The hedge fund needs its own bank and brokerage account. Banking in the United States presents a lesser burden to a hedge fund sponsor than banking in most other parts of the world. U.S. banks and brokers generally do not require a hedge fund's investment manager to be licensed by a regulator in order to open accounts unless the investment manager is based in a jurisdiction that requires such licensing. For these reasons, the United States presents an extremely attractive option for sponsors of smaller hedge funds. Need help with banking and brokerage arrangements? We have solutions!
Contact Us for Assistance
Capital Management Services Group
advises hedge fund managers on all aspects of fund formation and operations. We form equity, spot forex, futures and real estate hedge funds in the United States, the British Virgin Islands and the Cayman Islands. We are committed to providing you with high quality services on a personal level and in a timely manner. We offer flat-fee engagements, which include start-to-finish legal counsel with all aspects of launching a hedge fund. We use a client-based approach to our fund structuring and analysis. When you speak to us, you gain access to a unique combination of securities, tax, and international experience. We think we have the best set of hedge fund offering documents (and related documents) based on the ever changing federal, state and international securities, commodities, and tax laws. We have quick turnaround times because we understand that our customers want to begin business as soon as possible. We are one destination for all your legal, tax, accounting and audit needs. Our customers value this one-stop relationship and routinely comment on the excellence of our personal service and the time we take to properly understand and implement their unique circumstances and objectives.
Call Us at +1 (307) 213-4732
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We are experts in international hedge funds and tax. Click on any reference below to our leading articles:
Structuring and Financing International Operations Using Hybrid Entities and Tax-Efficient Financing Practical U.S./International Tax Strategies (Jan. 15, 2004)
Hedge Fund Compensation Arrangements. Practical U.S./Domestic Tax Strategies at Page 18 (Dec. 2003)
U.S. Inbound Investment – The Portfolio Interest Exemption. Practical U.S./International Tax Strategies (Dec. 15, 2003)
Foreign Futures Planning: The 60/40 Question. Practical U.S./International Tax Strategies at Page 12 (Sept. 30, 2003)
Managing Offshore Hedge Funds - A View from the Beach: Practical U.S./International Tax Strategies at Page 9 (June 15, 2003)
Offshore Hedge Funds - Master/Feeder Compliance Issues: Practical U.S./International Tax Strategies at Page 9 (May 15, 2003)
Ready for Help?
Please call us (307) 213-4732 or
e-mail Hannah Terhune, international hedge fund and tax attorney.
Leading Media Content & Articles on Hedge Funds & International Tax Planning
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Capital Management Services Group, Inc.
is recognized by discriminating business owners as being the foremost tax and legal authority in the hedge fund industry. Attorney Hannah Terhune's education and experience are unsurpassed in the area of hedge fund creation, development and launch. Ms. Terhune's extensive international tax knowledge and hedge fund experience have made her an indispensable resource for serious hedge fund and business professionals. Ms. Terhune's numerous articles on the subjects have appeared in over 100 publications worldwide.
Read Our Leading Media Content and Articles by Hannah Terhune on Hedge Funds and International Tax Planning
, Chances are, if you have read anything related to the hedge fund business, Ms. Terhune wrote it.
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Why Hire Us?
When you engage us you get a unique combination of securities, tax, and global business experience. We think we have the best set of offering documents in the industry for hedge funds based on current and ever changing laws. We aim to deliver quick turnaround times because we understand that our customers want to begin their money management business as soon as possible. We conceive, structure and deploy the best tax saving strategies for your hedge fund business. We will help you start your business as soon as possible and continue to assist you.
Give us the opportunity to use that knowledge and experience for you. Each client receives personalized attention from our attorneys and staff. No client is too large or small for us. We pride ourselves in providing personal attention to each client. We provide the best services and support needed for hedge funds and business projects. No need to coordinate work between accounting, administrative and law firms--we handle the entire hedge fund business process from start to finish. We offer legal services, accounting services, tax planning services, tax return preparation services, business consulting services, and U.S. and offshore company formation services. We provide high quality services at competitive rates. But don't take our word for it, give us a call and let us prove what we can do for you.
Personal Consultations
You get answers to your specific questions by speaking directly to Hannah Terhune, an experienced hedge fund and international tax attorney. Ms. Terhune's hard-earned knowledge and experience can be put to work to save you unnecessary steps and costly wasted effort. The consult is an invaluable opportunity to speak to Hannah one-on-one and learn how to achieve more in less time. Ms. Terhune's credentials and experience gives you access to a well-informed professional practitioner with sound ethical judgment. The availability of such expertise required to recommend the best solutions to you and provide sound ethical advice should never be taken lightly. We are confident that when you are finished with your consultation you will be impressed and more informed about your business plans than ever before. Call +1 (307) 213-4732 or
Click Here to Request Services.
Our Commitment
Henry David Thoreau wrote: "Do not hire a man who works for money, but him who does it for love of it." We are committed to your business plans and bringing you the best possible options. We are an established and internationally recognized law firm that serves and educates our clients throughout the industry. We do this by striving for the best results. A lawyer is a philosopher and role model. The ability to improve our clients' lives is a privilege that we do not take lightly. There is tremendous power in being able to effect a positive change in our clients' lives. Our aim is to welcome our clients and to provide a comfortable, warm environment for all. Thanks for visiting our website. We hope to have the opportunity to serve you.
Website content and design are copyrighted 2001-2016 © by Hannah M. Terhune and all rights are reserved. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of an attorney/client relationship.
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text:
Richard Henry Bain appeared to be psychotic and suffering from a bipolar disorder two weeks after his arrest in the election night shooting, a psychiatrist has told the jury hearing the murder case.
The tragic aftermaths of "lone-wolf" terrorist attacks, recent shootings in the United States and the violent deaths in Munich last week by a single gunman in a shopping mall have resulted in much analysis in the media and elsewhere. While some of the terrorist attacks are exactly that dark phenomenon of our times, analysis of these events […]
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Former Montreal safety struggled with mental illness and addictions after retiring from professional football.
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Plus workshops, meetings, sales and other community events of interest.
Plus workshops, meetings, sales and other community events of interest.
Plus workshops, meetings, sales and other community events of interest.
The young man charged with attempting to abduct a 7-year-old girl from Jeanne Mance Park Saturday is a recently diagnosed schizophrenic who heard voices telling him to take the child, his lawyer said Tuesday.
Over the past three months, the man presiding over the Luka Magnotta first-degree murder trial has had the patience of Job but still occasionally lost his temper with the Crown prosecutor, a grimacing expert, and with a bumbling, long-winded defence lawyer who often dodged the judge's questions and plopped to his seat in a childish pout.
Snakeroot, or Rauvolfia serpentina, didn't work as a venom antidote, but its reserpine was 'the original tranquilizer'.
Grégoire-Trudeau is the official spokesperson for the FitSpirit Foundation, which encourages girls aged 12 to 17 to get physically active to boost confidence and self-esteem.
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After a rash of suicides in a remote Innu community, the federal government is funding four new mental health workers in Uashat.
A remote Inuk community searches for answers after losing a third person to suicide in just eight weeks.
PART 1: Five suicides over nine months in a small community. Grieving residents invited the Montreal Gazette to help tell their stories.
Maladjusted is a play that humanizes mental health. It is created and performed by patients and caregivers. The show is the brainchild of the Theatre for Living of Vancouver, and it toured Alberta and British Columbia a year ago, and is now here in a bilingual, interactive experience.
"Awareness is my weapon against a silent killer that lurks deep inside too many of us"

subset: commoncrawl


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Yesteryear Bollywood actresses Dimple Kapadia and Jaya Prada were clicked outide Kashi Vishvanath Temple in Varanasi along with Samajwadi party leaders Shivpal Singh Yadav and Amar Singh
Samajwadi Party Rajya Sabha candidate Amar Singh avoided getting dragged into a spat with party leader Azam Khan who had voiced displeasure over his nomination, saying he 'could not hear' and was getting his 'ear treated'
Replying to a journalist's question about how he would react to former Samajwadi Party leader Amar Singh's remark over Jaya Bachchan, this is how the megastar Amitabh Bachchan settled the issue.
A day after former Samajwadi Party leader Amar Singh claimed that Amitabh Bachchan had 'warned' him against admitting his wife Jaya into his party, the megastar said the politician has every right to say what he wants
Samajwadi Party leader Azam Khan took Congress vice-president Rahul Gandhi on his dart and said he should better have toffees with kids as he the nation doesn't take him seriously.
Taking a jibe at Congress vice-president Rahul Gandhi, Samajwadi Party (SP) leader Azam Khan has said the former is still a kid and nobody takes him seriously
Samajwadi Party leader and Chairman of Processing and Construction Cooperative Federation Ltd (PACCFED) Totaram Yadav was arrested in connection with a booth capturing case during the recent Panchayat elections in Uttar Pradesh
Uttar Pradesh Chief Minister President Akhilesh Yadav has stripped Samajwadi Party leader Ompal Nehra of minister of state status after his remarks asking Muslims to help build temples in Ayodhya and Mathura
Samajwadi Party leader Azam Khan has said that it is shameful if the Prime Minister of India says it is insulting to be an Indian.
Senior Samajwadi Party leader and former state Minister Chaudhary Yashpal Singh passed away in a Delhi hospital, his family members said. He was 94
Samajwadi Party leader Azam Khan on Saturday demanded imposition of a complete ban on the Rashtriya Swayamsevak Sangh (RSS), urging the NDA-led Centre to label it as a 'terrorist' organisation
Samajwadi Party leader Azam Khan on Tuesday said it was not Aamir Khan's statement to leave the country, rather it was said by Aamir's wife Kiran Rao, who is a Hindu before and after their marriage.
Samajwadi Party leader and Uttar Pradesh minister Azam Khan on Monday clarified his remark over Paris attacks. Khan said that he has not used any controversial words adding that he is being condemned because he is a Muslim.
Minister Azam Khan hits out at PM for his comments saying there was no intolerance in the land of Mahatma Gandhi; asks how could he take national leader's name when he was killed for preaching tolerance
Municipal corporator and Samajwadi Party leader Atul Yadav 'Bunty', who was shot at outside his residence in Hazratganj area on November 1, today succumbed to his injuries at a hospital in Lucknow, police said
Samajwadi Party leader Azam Khan is at it again. This time he's blamed the excessive use of mobile phones and easy access to porn and paedophile content for the rise in child rapes
Politician Amar Singh, who is an Indian politician from Uttar Pradesh and a former leader of Samajwadi Party, will be seen acting in the film 'JD'
After continuous rise in politicisation in Dadri lynching case, BJP leader Sakshi Maharaj went on to call Samajwadi Party leader Azam Khan a 'Pakistani'. He also said that Khan has a mental illness and that he should go for a mental check up in Agra or Ranchi.
Politicos reacted on Monday after women separatist group Dukhtaran-e-Millat (DeM) (Daughters of Faith) founder Asiya Andrabi was booked by the authorities under Unlawful Activities Prevention Act.
Samajwadi Party's Vice President in Maharashtra, Mohammed Farooq Ghosi has written a letter to SP Chief Mulayam Singh Yadav saying that 1993 Mumbai blast's convict Yakub Memon's widow should be given a seat in Rajya Sabha.


text:
New studies suggest that you might be better off getting calcium from foods - dairy products, soy foods and green vegetables - instead of supplements.
You must login to view the full content on this page.
© 2016 Press of Atlantic City. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


text:
I am creating a form for an admin to go in and list, edit and delete users. I have tried many different variations for deleting a user and nothing works. I am wondering if it is because I need to use
devise_for :users and
resources :users in my routes.rb. This is because I have uploads/attachments linked to users. But here is my link
<%= link_to 'Delete',user, :method => 'delete', :confirm => 'Are you sure?' %>
And my routes.rb
# devise_for :users
devise_for :users do
get "/users/sign_out" => "devise/sessions#destroy", :as => :destroy_user_session
resources :users do
resources :attachments
The error I am receiving is
The action 'destroy' could not be found for UsersController.
But my users controller has
def destroy
@user = User.find(params[:id]).destroy
redirect_to admin_index, :flash => { :success => 'User was successfully deleted.' }


text:
Jump into the Summer of Making! ›
Just try and wear it out.
OK, so it's not, actually. Bulletproof, that is. But with 3/32″ aluminum sheet covers, nickel-plated steel piano hinges, and all-riveted construction, it's a damn sight tougher than just about any other 3-ring binder you're likely to encounter in the wild. Especially those crappy cardboard-shrinkwrapped-in-vinyl models most of us had to make do with as schoolkids.
And no, you don't have to use an old road sign to make yours, but it does confer serious style points. Just make sure it's not stolen, please.
Punch holes in your documents, load 'em up, and show off your new binder.
I am descended from 5,000 generations of tool-using primates. Also, I went to college and stuff. I am a long-time contributor to MAKE magazine and makezine.com. My work has also appeared in ReadyMade, c't – Magazin für Computertechnik, and The Wall Street Journal.
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Celebrating 30 years of providing fashionable comfort footwear and excellent service— Footwear etc. • Established 1986 —
Select your desired product options and we will notify you when it is back in stock.
The FitFlop Lulu Slide is a casual women's slide sandal with premium leather upper.
The first FitFlop sandal was sold in 2007, after Marcia Kilgore (beauty industry entrepreneur and multi-tasking mum) collaborated with expert biomechanists, Dr David Cook and Darren James.
FitFlop Lulu Slide Pewter Leather Women's Sandal
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This is my second pair of FitFlop LuLu Slide Sandals. They are well worth the price as they are the most comfortable sandals that I have ever owned. I have flat feet and had surgery on both of my feet last November. I know that when warmer weather is here, that my sandals will make my feet very happy, again.
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text:
Oil City Jobs
Looking for jobs in Oil City? Snagajob has great opportunities with the area's leading companies. And applying for Oil City jobs has never been easier. Look at the job listings below, click on a job title that interests you and hit the "apply now" button. Part-time jobs, teen jobs, student jobs and summer jobs are now just a click away. Start your job search now.
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text:
Bro, Do You Even Understand THAC0? "Zero Charisma" Trailer
By Steven Lloyd Wilson | Trailers | September 17, 2013 | Comments ()
Sigh. I thought we were done with this sort of crap. Here's the trailer for "Zero Charisma", which totes itself as a dark comedy lampooning role playing game nerds. From the trailer, it appears to be doing that about as competently as "Big Bang Theory" lampoons scientists.
Here's the obligatory plot summary:
As the strict Game Master of a fantasy role-playing game, Scott (Sam Eidson) leads his friends in a weekly quest through mysterious lands from the safety of his grandmother's kitchen. But his mastery of his own domain starts to slip—along with everything else in his life—when neo-nerd hipster Miles (Garrett Graham) joins the game, winning over the group with his confident charm and dethroning Scott with an unexpected coup. Caught in delusions of grandeur, Scott must roll the dice and risk everything to expose Miles as the fraud he believes him to be. A darkly comedic fable of epic proportions, Zero Charisma is an ode to nerds from every realm.
Oh my god, that's so funny and true to life. Role playing game nerds are incapable of understanding the difference between fantasy and reality, live in their grandma's basement, and are overweight anti-social slobs. Thank god someone finally had the courage to point out these now obvious patterns that have been sitting in front of us all this time.
I could trot out all the usual citations. Vin Diesel and Curt Schilling play D&D. People who play games tend to actually be less anti-social because, you know, they sit around a fucking table and socialize with other people as a hobby. Blah, blah. The jackasses making movies like this aren't listening anyway. They've got a stereotype and they're going to run with it until the money dries up.
Are there RPG nerds like this? Of course there are. Just like there are people who fulfill every stereotype that has ever existed. But when the only story you tell is the same one populated by the same stereotype, then the targets of that stereotype tend to not take you seriously anymore.
How about this, oh directors and producers and such. Every movie for the next twenty years that features a character who makes movies, make that character exactly like Woody Allen. Year after year after year. Nothing but the neuroses and the tics representing something you enjoy in every film. Then you can make another film featuring the anti-social loser nerd cliche.
Pajiba Love Express
Here's some Daveed Diggs for you. On Daveed Diggs' digs, actually. That man does things with clothes that should not make sense, but are absolutely perfect. (Go Fug Yourself)
Woody Allen has "so moved on" from his daughter's accusations and says he never even thinks about it. He equates her words about him to a bad review he won't read and comments on how wacky it is that Mia Farrow is his mother-in-law. He is the worst. (Celebitchy)
Not The Worst but still very gross: Leonardo DiCaprio and his
Here are 5 under-the-radar shows. I had never even heard of the first two. (Uproxx)


text:
- Flat Rate Shipping. Any Size Order! -
- A Portion of Proceeds Benefit San Diego Athletics -
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text:
Could WMPL & MU be added to the upcoming advanced search option for wordpress theme in the Foresttheme catalogue?
New Badges
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Yay! Power Elite! $1 Million In Sales
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Happy Birthday, Envato! Sharing what we love about the marketplaces
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One Day Left : Let's Say Good Bye to Old Forums
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Questiosn about uploading a WP Theme
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why result to evato.
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Envato's Most Wanted: WooCommerce Shopfront Themes - $15,000
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text:
THIS IS A DIRECTORY PAGE. Britannica does not currently have an article on this topic.
Learn about this topic in these articles:
formation by Hague Convention
...prohibiting the discharges of projectiles or explosives from balloons. Last, and most important, was the adoption of the Convention for the Pacific Settlement of International Disputes, creating the Permanent Court of Arbitration.
history of arbitration
A Permanent Court of Arbitration, composed of a panel of jurists appointed by the member governments, from which the litigant governments select the arbitrators, was established at The Hague in 1899.
role of
Estournelles de Constant
...active part in the interparliamentary international conferences that began in 1889 and was a member of the French delegation to the Hague peace conference of 1899, which led to the formation of the Permanent Court of Arbitration at The Hague. When that court seemed likely to be ignored by governments, he persuaded President Theodore Roosevelt to submit to it a minor dispute between the United...
...law and rights of asylum. He was international law adviser for the Austro-Hungarian delegation at the first (1899) and second (1907) Hague peace conferences, and he held membership in the Permanent Court of Arbitration, The Hague, presiding over its deliberations twice in 1910. During the last years of World War I, as the supporter of a negotiated settlement of hostilities, he...


text:
Separate names with a comma.
I'm your opp for the dubs tour. When you available?
Errrr no clue what utc time is haha :( sows. Er I'm available around 6 hours from now and will continue to be avilable for 5 hours afterwards so I'll be available 6-11pm GMT-8. Would sometime around then work?
Yeah, that sounds great.
Sure, I'll be on the ubers chat on ps or #doubles on irc so just hit me up
what alt are you under on po btw
did you set it to stadium w/tradebacks on gen?
I have a mac and can't download it.
hey are you ready?
yeah that sounds good
i should be available all day long except for morning
just seeing this due to the site issues. give me a time for tomorrow (June 4th) tho. As long as it isnt early morning any time should be fine.
We can play at 10 tomorrow if you'd like?
nvmd movie sold out :p still tho, just give me a time for tonight or tomorrow and we can play then :]
Hey sorry, im gonna see a movie at 10. If you want to play later tonight that's fine. If not give me a time tomorrow and we can play whenever you want.
is 10 alright?
Just seeing this, want to play later tonight?
I should be able to play pretty much whenever. Can you play right now?
Hey you're my opponent for the RBY tourney. I'm gmt -5 when would you like to battle?
i'm here i'll be kennen in grotto po2
i'm ready to play.
i'll go to eat, i waited for you, if possible make the battle later.
Yes, i'm avaliable in Grotto PO2.
i'll go to sleep, in my city is 12:18 a.m. we'll play soon.
I'm GMT -7, i can play after monday.
Can we play on a small server like Groudon's Grotto? It would be more convenient!
Can we meet on PO to fight? :d
If so, where?
I'm in GMT-6. I can play anytime today, normally. Send me a message when you can play.
I'm on CAP for the ST ;')


text: UMB Financial Corp. Company Profile (NASDAQ:UMBF) Analyst Ratings Earnings Estimates Dividends Insider Trades Headlines Social Company Profile Chart Analyst Ratings Consensus Ratings for UMB Financial Corp. (NASDAQ:UMBF) (?) The ratings breakdown includes the most recent rating from each analyst that has rated the stock within the last twelve months. The ratings score is a calculation of the average number of sell, hold, buy and strong buy ratings (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). The consensus price target is a mean average of the most recent price target set by each analyst that has set a price target for the stock in the last twelve months.Ratings Breakdown: 2 Hold Rating(s), 2 Buy Rating(s)Consensus Rating:Buy (Score: 2.50)Consensus Price Target: $59.33 (7.08% upside) Analysts' Ratings History for UMB Financial Corp. (NASDAQ:UMBF) Show: All Ratings For This Stock Only the Most Recent Rating From Each Brokerage DateFirmActionRatingPrice TargetActions7/28/2016Keefe, Bruyette & WoodsBoost Price TargetMarket Perform$52.00 -> $53.00 5/24/2016Bank of America Corp.Reiterated RatingBuy$60.00 4/28/2016Raymond James Financial Inc.UpgradeUnderperform -> Market Perform 9/3/2015Piper Jaffray Cos.Reiterated RatingOverweight$65.00 (Data available from 7/30/2014 forward) Earnings Earnings History for UMB Financial Corp. (NASDAQ:UMBF)DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallActions10/25/2016 7/26/2016Q216$0.74$0.76$240.10 million$242.70 millionViewN/A 4/26/2016Q116$0.67$0.79$231.67 million$234.20 millionViewN/A 1/26/2016Q415$0.61$0.60$232.90 millionViewListen 10/27/2015Q3$0.65$0.46$236.47 millionViewListen 7/28/2015Q215$0.65$0.65$221.35 millionViewListen 4/28/2015Q115$0.69$0.74$216.60 millionViewN/A 1/27/2015Q414$0.76$0.59$221.70 millionViewN/A 10/29/2014Q314$0.76$0.78$220.00 millionViewN/A 7/23/2014Q214$0.76$0.76$215.77 millionViewN/A 4/22/2014Q114$0.71$0.52$212.54 millionViewN/A 1/28/2014Q4 13$0.73$0.77$212.25 millionViewN/A 10/23/2013Q313$0.74$0.83$204.30 millionViewN/A 7/24/2013Q2 2013$0.74$0.74$203.40 millionViewN/A 4/24/2013Q1 2013$0.64$0.87$196.23 millionViewN/A 1/23/2013Q4 2012$0.67$0.53$193.57 millionViewN/A 10/23/2012$0.67$0.65ViewN/A 7/24/2012$0.69$0.73ViewN/A 1/24/2012$0.62$0.58ViewN/A 4/26/2011$0.58$0.76ViewN/A 1/26/2011$0.54$0.47ViewN/A (Data available from 1/1/2011 forward) Estimates Earnings Estimates for UMB Financial Corp. (NASDAQ:UMBF)QuarterNumber of EstimatesLow EstimateHigh EstimateAverage EstimateQ1 20161$0.66$0.66$0.66Q2 20161$0.73$0.73$0.73Q3 20161$0.80$0.80$0.80Q4 20161$0.85$0.85$0.85(Data provided by Zacks Investment Research) Dividends Current Dividend Information for UMB Financial Corp. (NASDAQ:UMBF)Annual Dividend:$0.98Dividend Yield:1.77%Payout Ratio:38.28% (Based on Trailing 12 Months of Earnings) 31.92% (Based on Current Year Consensus EPS Estimate)29.34% (Based on Next Year Consensus EPS Estimate)Dividend Growth:-3.20% (3 Year Average)Dividend History for UMB Financial Corp. (NASDAQ:UMBF)AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable DateShare7/27/2016quarterly$0.251.75%9/7/20169/9/201610/3/2016 4/27/2016quarterly$0.251.78%6/8/20166/10/20167/1/2016 1/27/2016quarterly$0.252.21%3/8/20163/10/20164/1/2016 10/28/2015quarterly$0.251.95%12/8/201512/10/20151/4/2016 9/1/2015quarterly$0.241.94%9/8/20159/10/201510/1/2015 4/30/2015quarterly$0.241.89%6/8/20156/10/20157/1/2015 1/28/2015quarterly$0.241.93%3/6/20153/10/20154/1/2015 10/28/2014quarterly$0.241.61%12/8/201412/10/20141/2/2015 7/28/2014quarterly$0.231.6%9/8/20149/10/201410/1/2014 4/22/2014quarterly$0.231.49%6/6/20146/10/20147/1/2014 1/28/2014quarterly$0.231.49%3/6/20143/10/20144/1/2014 10/22/2013quarterly$0.231.5%12/6/201312/10/20131/2/2014 7/23/2013quarterly$0.221.41%9/6/20139/10/201310/1/2013 4/23/2013quarterly$0.221.74%6/5/20136/7/20137/1/2013 1/23/2013quarterly$0.221.94%3/6/20133/8/20134/1/2013 (Data available from 1/1/2013 forward) Insider Trades Insider Trading History for UMB Financial Corp. (NASDAQ:UMBF)Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionActions6/14/2016Kris A RobbinsDirectorSell300$55.26$16,578.00 5/27/2016Andrew J IsemanCEOSell230$58.01$13,342.30 5/25/2016Michael D HagedornInsiderSell7,573$57.43$434,917.39 5/24/2016Michael D HagedornInsiderSell13,769$57.57$792,681.33 5/2/2016Greg M GravesDirectorBuy224$55.80$12,499.20 4/1/2016Greg M GravesDirectorBuy20$50.48$1,009.60 3/11/2016Andrew J IsemanCEOSell3,672$51.83$190,319.76 3/10/2016Kris A RobbinsDirectorSell600$50.27$30,162.00 3/9/2016Leroy James Williams JrDirectorBuy64$49.97$3,198.08 3/3/2016Christian R SwettEVPSell118$52.40$6,183.20 3/1/2016Andrew J IsemanCEOSell3,097$51.23$158,659.31 2/1/2016Greg M GravesDirectorBuy282$46.91$13,228.62 12/1/2015J Mariner KemperCEOSell3,000$52.32$156,960.00 11/2/2015Andrew J. IsemanCEOSell5,336$50.61$270,054.96 6/10/2015Peter J DesilvaCOOSell14,444$58.07$838,763.08 5/6/2015Michael D HagedornInsiderSell6,759$52.19$352,752.21 3/9/2015Andrew J IsemanCEOSell3,011$52.10$156,873.10 9/3/2014Kris A RobbinsDirectorSell1,279$58.27$74,527.33 8/19/2014Craig L AndersonInsiderSell1,539$57.12$87,907.68 7/25/2014J Mariner KemperCEOSell5,000$56.47$282,350.00 7/1/2014Peter J DesilvaCOOSell11,796$64.00$754,944.00 6/4/2014Lawrence G SmithEVPSell4,989$57.44$286,568.16 3/12/2014Alexander KemperDirectorSell2,000$64.25$128,500.00 3/12/2014John ZaderCOOSell12,512$64.29$804,396.48 3/11/2014Andrew IsemanCEOSell3,838$63.79$244,826.02 3/4/2014Alexander KemperDirectorSell1,000$63.55$63,550.00 3/3/2014Alexander KemperDirectorSell1,000$61.50$61,500.00 2/28/2014Alexander KemperDirectorSell1,000$62.15$62,150.00 2/11/2014Andrew IsemanCEOSell1,743$57.50$100,222.50 2/7/2014J Mariner KemperCEOSell3,000$59.06$177,180.00 1/31/2014John ZaderCOOSell5,000$59.68$298,400.00 1/31/2014L Joshua SoslandDirectorBuy1,675$59.61$99,846.75 11/26/2013John ZaderCOOSell1,050$63.91$67,105.50 11/22/2013Craig AndersonInsiderSell1,276$63.84$81,459.84 11/22/2013David KingEVPSell6,127$63.83$391,086.41 11/21/2013Alexander KemperDirectorSell1,000$63.06$63,060.00 11/21/2013Dennis RilingerEVPSell1,907$63.01$120,160.07 11/20/2013Michael HagedornCFOSell6,104$62.03$378,631.12 11/20/2013Peter DesilvaCOOSell1,477$61.57$90,938.89 11/15/2013Kris RobbinsDirectorBuy1,000$61.50$61,500.00 11/11/2013Clyde WendelChairmanSell1,000$62.27$62,270.00 7/31/2013Daryl S HuntEVPSell5,882$60.00$352,920.00 7/29/2013David D KingEVPSell2,000$59.68$119,360.00 7/26/2013Alexander C KemperDirectorSell2,000$59.78$119,560.00 7/26/2013Dennis R RilingerEVPSell7,455$59.60$444,318.00 7/1/2013Peter J DesilvaCOOSell8,048$55.25$444,652.00 6/13/2013Clyde F WendelChairmanSell8,284$52.21$432,507.64 6/11/2013Dennis R RilingerEVPSell6,102$53.39$325,785.78 6/10/2013Daryl S HuntEVPSell2,434$53.00$129,002.00 5/9/2013David D KingEVPSell2,000$50.60$101,200.00 (Data available from 1/1/2013 forward) Headlines Latest Headlines for UMB Financial Corp. (NASDAQ:UMBF)DateHeadline07/28/16 07:29 PMUMB reports quarterly earning07/28/16 07:29 PMUMB Financial : reports quarterly earning07/28/16 07:29 PMUMB's 2Q earnings top $37M07/27/16 01:26 PMEdited Transcript of UMBF earnings conference call or presentation 27-Jul-16 2:30pm GMT - 07/27/16 10:11 AMCFO Moves: UniCredit, UMB Financial07/27/16 10:11 AMUMB Financial Corporation Appoints Tim Murphy to Board of Directors07/27/16 10:11 AMUMB Financial Corporation Names Ram Shankar as Chief Financial Officer07/27/16 10:11 AMUMB Financial Corporation Reports Second Quarter 2016 Earnings of $37.3 Million, or $0.76 Per Diluted Share07/26/16 06:45 PMUMB Financial names Shankar chief financial officer - 07/26/16 05:47 PMUMB posts 2Q profit - 07/26/16 06:07 AMQ2 2016 UMB Financial Corp Earnings Release - After Market Close - 07/25/16 07:13 AMUMB Financial Corp. breached its 50 day moving average in a Bullish Manner : UMBF-US : July 25, 2016 - 07/13/16 08:05 AMUMB Financial Corp. breached its 50 day moving average in a Bullish Manner : UMBF-US : July 13, 2016 - 07/06/16 08:51 AMUMB Announces Conference Call to Discuss Second Quarter 2016 Results - [at noodls] - KANSAS CITY, Mo.--(BUSINESS WIRE)-- UMB Financial Corporation (Nasdaq: UMBF), a financial services holding company, plans to host a conference call to discuss its second quarter 2016 earnings results on ...07/02/16 06:28 PMUMB Bank promotes Crowe to private banking client manager06/29/16 09:44 AMUMBF Breaks Above 2% Yield Territory06/28/16 07:21 AMUMBF Crosses Below Key Moving Average Level06/21/16 06:30 PMUMB Fund Services : Launches New Distribution Toolkit06/21/16 11:59 AMUMB Fund Services Launches New Distribution Toolkit - [at noodls] - MILWAUKEE, June 21, 2016 /PRNewswire/ -- UMB Fund Services (UMBFS) has launched a new distribution toolkit aimed at providing small to mid-size asset managers assistance in building and growing their distribution ...06/09/16 03:00 PMFidelity Bank nabs veteran mortgage officer - 06/08/16 07:37 PMMarquette Business Credit Adds New BDO in Kansas City Office06/02/16 07:35 PMDaniels Fund board of directors elects Colorado Native to board - Serving on a board is not new to Williams as he is currently serving on UMB Financial Corporation's board and the Colorado Education Iniative. Mr. Williams comes to the organization from the Ball Corporation where he is their Vice President and Corporate ...06/02/16 10:18 AMUMB's Hagedorn: Big Marquette Financial deal is just the start - It's been about a year since UMB Financial Corp. acquired Marquette Financial for $182.5 million in stock, and its effect has been transformational in multiple ways. For one, it boosted the $18.8 billion-asset bank's presence in Dallas and Phoenix ...06/01/16 11:27 AMUMB Financial Corp. :UMBF-US: Earnings Analysis: Q1, 2016 By the Numbers : June 1, 2016 - 06/01/16 08:30 AMThe Zacks Analyst Blog Highlights: UMB Financial, PrivateBancorp, Popular and Wintrust Financial - 05/26/16 08:01 AMHagedorn Michael D, President of Subsidiary of UMB Financial Corporation (NASDAQ:UMBF) sells 13,769 shares - According to UMB Financial Corporation's most recent Form 4 filing with the SEC dated May 25 03:49 PM, company President of Subsidiary, Hagedorn Michael D disclosed selling 13,769 shares at a cost of $57.57. At the time of this transaction (May 24), this ...05/22/16 11:40 AMBe Sure to Explore the Investment Options in Your Health Savings Account - 05/18/16 03:22 PMUMB CEO: Politicians Need to Stop Criticizing Banks - 05/18/16 01:37 PMPoliticians Need to Stop Bashing Banks Says UMB CEO - 05/12/16 07:36 AMWhy UMB Financial (UMBF) Stock Might be a Great Pick - 05/05/16 09:11 AMUMB to Hold Investor Day on May 19, 2016 - [at noodls] - KANSAS CITY, Mo.--(BUSINESS WIRE)-- UMB Financial Corporation (Nasdaq: UMBF), a financial services holding company, plans to host an Investor Day on May 19, 2016, in New York City. Mariner Kemper, Chairman ...05/03/16 08:54 AMUMB FINANCIAL CORP Files SEC form 10-Q, Quarterly Report - 04/28/16 04:22 PMUMB FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders - 04/27/16 03:15 PMEdited Transcript of UMBF earnings conference call or presentation 27-Apr-16 1:30pm GMT - 04/26/16 04:37 PMUMB Financial Corporation Announces $0.245 Quarterly Cash Dividend And Common Stock Repurchase Authorization - The Board of Directors of UMB Financial Corporation (Nasdaq: UMBF), a diversified financial holding company, declared during the Board's meeting on April 26, 2016, a $0.245 per share quarterly cash dividend, payable on July 1, 2016, to the company's ...04/26/16 04:17 PMUMB FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits - 04/26/16 10:44 AMUMB Financial's Q1 Profit Rises 7.1% - UMB Financial Corporation (NASDAQ: UMBF) reported net income of $36.2 million, up 7.1 percent from $33.8 million in the same quarter last years. However, its earnings remained flat at $0.74 per share in both the period. The company said that on a non-GAAP basis, net operating income for the first quarter of $38.6 million or $0.79 per share, up from $33.0 million or $0.73 per ...Full story available on Benzinga.com04/26/16 08:15 AMUMB Financial beats by $0.12, beats on revenue - 04/05/16 04:48 PMBRIEF-UMB Financial Corp files for mixed shelf - * UMB Financial Corp files for mixed shelf, size not disclosed -sec filing Source text for Eikon: Further company coverage: (Bengaluru Newsroom: +1-646-223-8780) 02/26/16 11:56 AMUpdated Price Targets On UMB Financial Corporation (NASDAQ:UMBF) - Risers & Fallers - Updated Price Targets On UMB Financial Corporation (NASDAQ:UMBF)Risers & FallersRecently stock market analysts have updated their consensus ratings on shares of UMB Financial Corporation (NASDAQ:UMBF). The latest broker reports which are currently outstanding on Thursday 25th of February state 1 analyst has a rating of "strong ...UMB Financial Corporation (NASDAQ:UMBF) Short Interest UpdateThe Sussex Pilotall 5 news articles »02/25/16 01:20 PMUMB FINANCIAL CORP Files SEC form 10-K, Annual Report - 02/12/16 07:16 AMUMB Financial Corp. breached its 50 day moving average in a Bearish Manner : February 12, 2016 - 02/09/16 03:30 PMUMB Reaches Nearly 820,000 Health Savings Accounts - [Business Wire] - UMB Healthcare Services, a division of UMB Financial Corporation , announced today that it has reached 818,000 individual health savings accounts as of Jan. 31, 2016, which is a 36.4 percent increase from its nearly 600,000 accounts as of Jan.02/01/16 08:41 AMUMB Financial Corporation Appoints Leroy J. Williams to Board of Directors - [at noodls] - KANSAS CITY, Mo.--(BUSINESS WIRE)-- UMB Financial Corporation (Nasdaq: UMBF) is pleased to announce the appointment of Leroy J. Williams to the UMB Financial Corporation Board of Directors. ... This is ...02/01/16 07:26 AMUMB Financial Corp. breached its 50 day moving average in a Bullish Manner : February 1, 2016 - 01/29/16 12:56 PMAnalyst Price Target on UMB Financial Corporation - Market Briefing - Analyst Price Target on UMB Financial CorporationMarket BriefingUMB Financial Corporation (NASDAQ:UMBF): 4 analysts have set the short term price target of UMB Financial Corporation (NASDAQ:UMBF) at $50.5. The standard deviation of short term price target has been estimated at $4.2, implying that the actual price ...UMB Financial Corporation (NASDAQ:UMBF): Analysts Take on EarningsSmallCapWired.comall 4 news articles »01/29/16 12:56 PMFitch Affirms UMB Financial at 'A+' Following Midtier Regional Bank Review; Outlook Negative - Business Wire (press release) - Fitch Affirms UMB Financial at 'A+' Following Midtier Regional Bank Review; Outlook NegativeBusiness Wire (press release)CHICAGO--(BUSINESS WIRE)--Fitch Ratings has affirmed UMB Financial Corp.'s (UMBF) ratings at 'A+/F1'. The Rating Outlook has been revised to Negative from Stable. The rating action follows a periodic review of the midtier regional banking group, which ...and more »01/29/16 12:56 PMUMB's yearly earnings slide - Kansas City-based UMB Financial Corp.'s (Nasdaq: UMBF) 2015 net income moved down nearly 4 percent to $116.1 million from $120.7 million a year earlier. Diluted share earnings for the operator of two UMB Bank branches in Springfield dropped 21 cents to $ ...01/29/16 11:41 AMUMB Financial Corp. Earnings Analysis: Q4, 2015 By the Numbers - 01/28/16 12:54 PMUMB earnings up last quarter, down for 2015 - The holding company for UMB Bank on Wednesday reported a 9 percent jump in earnings for the fourth quarter of 2015 when compared to the same quarter in 2014, according to a news release. UMB Financial Corp. announced earnings of $29.6 million for the ... Social About UMB Financial Corp. UMB Financial Corporation is a diversified financial holding company. The Company supplies banking services, institutional investment management, asset servicing and payment solutions to its customers in the United States and around the globe. The Company's segments include Bank, which provides a range of banking services to commercial, retail, government and correspondent bank customers through the Company's branches, call center, Internet banking and automated teller machine network; Payment Solutions, which provides consumer and commercial credit and debit card, prepaid debit card solutions, healthcare services and institutional cash management; Institutional Investment Management, which provides equity and fixed income investment strategies in the intermediary and institutional markets, and Asset Servicing, which provides services to the asset management industry, supporting a range of investment products, including mutual funds, alternative investments and managed accounts. Industry, Sector and Symbol: Sector: Finance Industry: Regional - Southwest Banks Sub-Industry: Regional Banks Exchange: NASDAQ Symbol: UMBF CUSIP: 90278810 Key Metrics: Previous Close: $55.4150 Day Moving Average: $54.52200 Day Moving Average: $52.08P/E Ratio: 21.64P/E Growth: 1.22Market Cap: $2.70BBeta: 1.01Current Year EPS Consensus Estimate: $3.07 EPSNext Year EPS Consensus Estimate: $3.34 EPS Additional Links: View UMBF on Google FinanceView UMBF on Yahoo FinanceView UMBF's Company Profile on ReutersSearch for UMB Financial Corp. on Google UMB Financial Corp. (NASDAQ:UMBF) Chart for Saturday, July, 30, 2016


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What if your employer reimburses you for the loss? No offset of an otherwise nondeductible loss against the reimbursement, because they're separate transactions. The loss stays nondeductible. Nor is it permissible to include the reimbursement as part of the selling price and avail yourself of the exclusion.
Tax myths are a lot like a bad date. They are annoying and seem to last forever. Yet people have beliefs about income taxes that have no basis in reality. Were it not for the potential financial costs, some of these might be amusing. But if you believe them and act upon them, they can cost you serious money.
This is the year you're going to crush your resolutions. You're going to exercise five days a week, cut back on greasy foods, and save more -- a lot more -- money. You're going to feel motivated the whole time, so it will be simple. It's just a matter of adhering to your mission. Mind over matter. Right? Wrong.


text: Cameron Art Museum www.cameronartmuseum.org OnlineWebsite - www.cameronartmuseum.orgMobile website - www.cameronartmuseum.orgMeetings website - cameronartmuseum.orgBooking - www.cameronartmuseum.orgSend an email - firstname.lastname@example.com email - firstname.lastname@example.com & SeasonsSeasons - Year-roundHours - Tues-Wed and Fri-Sun: 10 am-5 pm,; Thurs 10 am-9 pmAddress3201 S. 17th StreetWilmington, NC 28412PhonePrimary - (910) 395-5999Fax - (910) 395-5030 The Cameron Art Museum is committed to arts education and presents exhibitions and public programs of both historical and contemporary significance, with 6-8 changing exhibitions annually, in addition to outdoor, site-specific projects on its park property which includes a historic Civil War site. This 42,000-sq.-ft. state-of-the-art museum functions as a cultural gathering place and features two centuries of NC and US art boasting one of the world's major collections of the romantic color prints of Mary Cassatt (periodically on view). AmenitiesTripAdvisorTripAdvisor Traveler RatingBased on 91 reviewsSee all 91 reviews.Write a review.Admission feeChildren's activitiesFree parkingGift / retail shopGroup rates availableHandicap accessibleMotorcoach / RV parkingPet-friendlyPicnic areaRestaurant on-siteTours – guidedTours – self-guidedTrails – bikingTrails – hiking / walking


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If you have troubles since the update to WordPress 4.5 please read this post before opening a new thread.
I want to use a ordinary font instead of the Cufon-fonts in Avisio. If i want for example Gill Sans instead, what should i do?
Oh! I searched a little bit more and found this link which helped me! http://www.kriesi.at/support/topic/cufon#post-83 :)
The topic 'Replace cufon-fonts with Gill Sans' is closed to new replies.


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ETP's Share price has fallen from 46.00 to 42.00 since it went ex dividend. that's #$%$ and 9.5% done that is not going to work for me! Good bye to etp
Sentiment: Strong Sell
Why has ETP done nothing except go up from $42 to $44 the last 5 days? Maybe because others see it as valuable. Also you forget there is a definate historical event of people buying the distribution and selling in the 2-3 weeks following. The spread from this is about 5% or so.
Congratulations on your sale. MLPs in general are down. MWE another midstream company with huge growth projects and distribution growth dropped about 15% in the alst couple months. MLPs are mostly down in the last 2 weeks. Will be interesting if you come back here in say 2 years.
Not all mlp are down, i have been tracking Trans Canada pipeline and it has been up. i may move over to TRP, my broker talked me into ETP
For me there are to many moving parts to ETP plus A little over a year ago the CEO promised to raise the distribution, never happened! 6 weeks ago he said on a TV interview they would not need to issue a secondary to fund the Sunoco deal, a week later they issue a secodary and now another billion in secondary plus debt. To me he is a liar so I will not be back putting my $ in LINE good luck


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Private Autonomy in Germany and Poland and in the Common European Sales Law
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Show transcribed image text I have an input signal: x[n] = sin(pi/10*n) * (u[n] - u[n-10]) and an impulse response: h[n] = 0.9hatn * u[n] + delta(n) representing the echo of the system. So Im trying to design an echo cancelation filter, but it doesnt seem right. I think Im making a mistake using the delta function. Anyway, I find the DTFT. its reciprocal, and then the IDTFT: g[n] = dirac[n] - 1/2(0.45hatn u[n]) So if I convolve y[n] = x[n] * h[n], and then convolve v[n] = y[n] * g[n], shouldnt I get my original signal x[n] back? I also tried not using the dirac delta function and just made a vector with 1 at zero and zero elsewhere, but that didnt work either. Where did I go wrong? Thanks for looking


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Just weeks after bringing home his dog, Brandon Allen, an Iraq war veteran with post-traumatic stress disorder (PTSD), was able to cut in half his dose of anxiety and sleep medications. The terrible dreams at night and suicidal thoughts that filled his brain ended, he finally felt safe and at peace with himself.
This is a story we often hear, vets who can finally go back into a grocery store for the first time in years, ride the bus and start working on a new life. The dogs that give them this gift are not just pets; they are lifesaving emotional support animals trained to help their people leave the battlefield behind.
Up to 31% of soldiers returning from combat in Iraq and Afghanistan experience depression or PTSD that can affect their jobs, relationships and daily lives according to a new study by Army researchers. For as many as 14% of these veterans, the depression or PTSD causes major problems in their daily lives including alcohol abuse and aggressive behavior.
Canines With a Cause will continue to expand our programs for veterans and their families, we will continue to rescue healthy, adoptable dogs from death row in shelters and train them for their new homes, we will also continue to be grateful for your ongoing financial support to continue our important work.
We ask that you take the time on Veterans Day to thank any veterans you know and maybe even some you don't. Make a phone call, send an email, stop someone in uniform on the street and let them know how much you appreciate the sacrifice they have made for our country.
Thank You,
Cathy King
As I walked the shelter looking at dogs for the "Canines With a Cause" program, I noticed a medium sized white dog who did not take his eyes off of me. He was smiling and wagging his tail, asking me to come over and say "hello".
Knowing this shelter kills over 18,000 companion animals per year, this is a very difficult task, making a choice on who will live or die is not an easy one. I knew this guy had to come with me. We had very little room left at the facility for big dogs, we just had to make this work somehow. He went into boarding for a few weeks, was neutered and vaccinated. He arrived at the facility dirty, stinky and happy as ever.
We had a veteran looking for a new service dog, his dog had recently passed away and he was ready for a new companion. Dennis had lost a leg from the knee down in Vietnam, he was a dog trainer in the army and had quite a bit of experience training dogs, a star student! Dennis asked to see the new dog I had spoke to him about, the young one with the big smile. We knew little about him with the exception of his amazing temperament.
The dog showed no fear of the wheelchair or Dennis, he kissed and leaned up against him. He was very attentive in class and did well for his first day. We knew it was a match! Ranger is now living with Dennis who welcomed him home with the much needed bath. They will begin formal training this Thursday and we're sure they will achieve service dog status in no time.
This is just one of many stories made possible by your contributions. The medical expenses to get these dogs ready their new homes is high, as are the ongoing issues we assist the veterans with for their important companions. On October 19, GlobalGiving.org is matching at 30% all online donations up to $1,000 per donor per project! There is $100,000 available in matching funds starting at 12:01 am EDT. They will match until 11:59pm EDT or until matching funds run out. This is a great way for you to help us continue our "Happy Tails" and grow your generous donations.
Thank you for your ongoing support, from Dennis, Ranger and all of those who have a better quality of life (two and four legged) because of you.
Best Wishes,
Cathy King
When most people think of veterans with Post Traumatic Stress Disorder (PTSD), especially dating back to the Vietnam War, they think of men. Men on the front line watching their comrades suffer and die for their country. The voices of the women whose lives have been changed forever due to traumatic experience in the military are not always heard.
Over 61% of women in the military report being sexually harassed by their own troops, this includes everything from verbal harassment to rape. The scars from this abuse last a lifetime, some of the women develop serious disorders which include PTSD, agoraphobia and depression.
Over half of the veterans currently training shelter dogs in the Canines With a Cause (CWAC) program are women, two of the participants date back to the Vietnam War. These women are finding freedom and comfort from their four legged companions. They feel safe leaving their homes and can actually stand in line in a grocery store without being paranoid, small things we all take for granted.
Thanks to the support of donors like you, CWAC is able to pay for the training of these special dogs as well as making sure the dogs are healthy, have been altered and are current on vaccinations.
CWAC is also currently working on a program with the local VA Hospital in Salt Lake City, UT, whereas we will train dogs currently living with veterans who need good behavior skills to accompany their people to the facility for doctor appointments. This is critical for some who have a difficult time leaving their home without their constant companion.
All of this would not be possible without your support.
Thank you from the veterans and their special dogs!
Cathy King
Canines With a Cause Foundation
Can a shelter dog really change a person's life? We see it happen every day at the Canines With a Cause facility. For veterans with Post Traumatic Stress Disorder, depressed and abandoned by society, dogs give them unconditional love and a reason to get up in the morning.
Thanks to your ongoing support, Canines With a Cause is able to not only give people in need dogs, we also give them training so their constant companion can accompany them to doctor appointments and other public places. The dogs do more than just help veterans through anxiety attacks, they help them sleep at night and give them a purpose.
Your Global Giving funds are used for training, feeding and making sure the dogs are healthy. In the shelter they were just another dog, but to these veterans they are a reason to live.
Canines With a Cause was recognized by Select Health, one of the nation's top-ranked integrated health systems, as one of 25 Utah nonprofits that work to improve wellness in their communities. More than 200 organizations applied.
Thank You,
Cathy King
Your ongoing support for the "Canines With a Cause" (CWAC) program has made the difference in the lives of rescued shelter dogs, our volunteers and adopters. This story is one of many, this story belongs to you, our donors:
Oliver came to the shelter as a stray, a scared, emaciated little Border Collie mix. He waited, along with all of the other dogs, for the person who never took the time to find him and bring him home.
When Skye Poitras, Salt Lake City, Utah, team leader for Best Friends' Community Training Partners Program and Sherry Woodard, Best Friends behavior consultant came across Oliver while evaluating dogs for the CWAC program, they almost did not see him. He was curled in a ball hiding in a corner, the large dog he had been placed in the small kennel with had been biting him and he was severely stressed out and scared.
Oliver passed his behavior and temperament tests with flying colors, but as it turns out, he was very sick. He had developed a bad infection from the bite wounds and his poor health from lack of nutrition and stress had made it worse. Off to the vet he went and although he missed the first two weeks of basic training, Oliver made up for lost time, he was a dog with a purpose...
Shea is a local young man who lives with Cerebral palsy. He is outgoing, witty and enjoys outdoor activities such as downhill skiing, his wheel chair and lack of mobility do not slow him down. He was looking for a companion who also loved the outdoors, could help him retrieve items and straighten him in the chair when needed. Oliver was just the dog, unconditional love included.
Oliver is currently finishing his basic training and ready to enter a foster home where he will continue to train one-on-one. He will learn commands specific to Shea's needs, increase his vocabulary and skills like pulling and opening doors. He will also train with Shea and begin "overnight sleepovers". Soon Oliver will be working at Home Depot with Shea, Border Collie's love jobs!
Our adopters are not the only ones who benefit from the dogs. Our volunteer trainers/handlers are not only learning how to train dogs, they are also giving back to the community. This is beneficial to the veterans who are not ready to take on the responsibility of having a dog but like being around them, dogs are great stress relievers. The vets are also learning a trade and getting out into the community, they are training dogs for people like Shea, a win for everyone.
On March 16, GlobalGiving.org is matching at 30% all online donations up to $1,000 per donor per project.
In addition to the 30% match, GlobalGiving is offering a $1,000 bonus to the project that raises the most funds that day and a $1,000 bonus to the project that receives donations from the most individual donors! This is a wonderful opportunity to continue your support for the "Canines With a Cause" program.
Please take the time to watch the attached news video and see our work in progress, meet Oliver, Shea, our volunteers and dogs.
Thank You,
Project Reports on GlobalGiving are posted directly to globalgiving.org by Project Leaders as they are completed, generally every 3-4 months. To protect the integrity of these documents, GlobalGiving does not alter them; therefore you may find some language or formatting issues.
If you donate to this project or have donated to this project, you will get an e-mail when this project posts a report. You can also subscribe for reports via e-mail without donating or by subscribing to this project's RSS feed.
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His stories are never consistent. Regarding his Wag stock gift: first he claimed it was from daddy-in-law, then it was from grandma with the stipulation that he couldn�t sell. What next? It was from Uncle Skeeter? Maybe cousin Jethro? It has been established many times that FYNT is a lying sos with absolutely zero credibility.