I had the privilege of working closely with J.R. for over two years. Together we provided finance and accounting support to VoiceBase, Inc., one of our mutual clients, a VC-backed technology company. He managed all accounting and tax matters. During this period we were able to substantially upgrade the accuracy, usefulness and timeliness of the financial information. We closed three rounds of financing and we were able to present financial information to prospective investors with confidence. J.R. was a pleasure to work with and he knew when to involve me with decisions and when to resolve matters without me. I look forward to working with J.R. in the future and highly recommend him.
Steve Bach, CFO, VoiceBase, Inc.
As a startup, we needed someone with not just accounting experience but also the financial expertise that is able to help guide us through the rapid pace of change that happens to a rapidly growing business. JR was not only able to help us getting our projections together in record time, he also stayed on top of every email, text and phone call with the level of responsiveness that you would only expect from someone who truly cares about his clients and is passionate about helping those who are just starting out.I would highly recommend JR’s service to anyone who needs it, but more importantly, I look forward to continuing to work with JR as our company grows in the future.
We own multifamily projects and recently one of our property management companies switched their software system making it hard for them to give us accurate financials during the transition. JR went right to work and was able to put together our correct financial statement and balance sheet. JR is very thorough, patient, hardworking, and is great at anticipating his client’s needs. We don’t know how we would have gotten through the issues we faced without him. We enjoyed working with JR and highly recommend him for any multifamily bookkeeping needs.
Michael and Susan Allen
We are proud to announce that Patterson & Co. LLC was recently made part of the core management team of Regen Villages, a start-up based out Stanford University’s Graduate School of Business HSTAR unit.
One of my clients had urgent bookkeeping needs during one of the busiest times of the year – tax season. I asked JR if he could help, and he jumped right in! Both the client and I were very happy with JR’s work and timeliness. JR is very professional and is a complete pleasure to work with. I highly recommend JR for your bookkeeping needs!
Dan Faulk, CPA | Tax Partner | SingerLewak LLP
100 West San Fernando St., Suite 275, San Jose, CA 95113 | T: 408.899.3910 | F: 408.295.3925 | http://www.SingerLewak.com
This is my second time with J.R. and Patterson & Co., LLC. In my most recent experience, J.R. proved invaluable once again. My CFO had given me incorrect information which caused me to make a lot of incorrect business decisions. I called J.R. who I had worked with seven years earlier and asked for his help figuring out where my business was financially. After giving me a true picture of my company’s financial condition, I replaced my CFO with J.R. and asked him to help get my company’s finances back in shape.
He found me a new CPA to handle my company’s taxes which had also been done by the prior CFO and also straightened out my sales tax issues. He set up a clean new set of books for my business and began reviewing my company’s key performance indicators with me on weekly basis in addition to helping me set up budgets and payroll spreadsheets. Most recently, he figured out why all of our A/R’s were negative in our Quickbooks software. He determined that the information from our catering software was imported incorrectly by accident by one of our staff people. In three hours he had the books clean again.
I always tell J.R. that I have peace of mind for the first time in years because now I know where my business is financially. I can call him up anytime with questions about accounting and business and he always takes my call. I can just talk business with J.R., not only accounting.
I would recommend him highly to anyone looking for a bookkeeper. He calls himself a bookkeeper, but trust me, he’s more than just a bookkeeper.
Anthony Barr, Chef
Proprietor and Owner
AGA Restaurant Group, Above and Beyond Catering
Patterson & Co. is wonderful!
I am so grateful for the patience, personal attention, flexibility, expertise and professionalism that were demonstrated during the implementation of our accounting system.
I highly recommend this company; they helped our company develop and implement an accounting program that was structured to the personal needs of our business which consists of various multi-family properties.
J.R. Patterson was especially very instrumental in the actual hands on developing and setting-up of the program. Initially to me the thought of beginning this project was overwhelming and daunting; I was not sure where to start, but J.R. helped get me focused and organized so it did not become as horrendous of a project as I had originally anticipated. He worked directly with our CPA to get the necessary details of our past business practices of hand writing checks, receipts, tax filing, etc. to set-up our “move into the 21st century”. We now have all of our accounting done “live” on a very detailed & personalized computer program; it is so much more efficient and accurate than our past accounting practices. The continued service that I receive from Patterson & Co. is impeccable; some providers of such services take your money & run, but the continued support that I have with them is indeed outstanding. I am so excited about the results of his services I cannot thank him enough.
Linda Vieira, BA, RN
CFO, Vieira Enterprises, Inc.
My firm and I have worked with J.R. on higher level accounting systems implementations. I have found J.R. to be professional, knowledgeable, and exceeds the clients’ expectations when it comes to giving them what they need in an accounting system.
David J. Neighbors, CPA MST
Gallina LLP, CPAs
It’s a big step to move from one accounting software program to another. JR and his team helped me move forward quickly and cost effectively both short and long term, and provided rich feedback. JR is and continues to be a reputable resource in the accounting field.
Kimberly Bordigioni, Corporate Controller, Food Industry
It has been my pleasure to work with J.R. and his team multiple times over the past decade. Not only are they professional, but each person has had the highest caliber of work ethic and accuracy which met and exceeded expectations. J.R. Helps the management team determine the actual scope of work, maps out a work flow process, and assigns the necessary resources to complete the job. I would recommend Patterson & Co. to any business that is looking to outsource their accounting needs and I look forward to working with J.R. and his team again in the future.
Financial Services Industry
San Francisco, CA
J.R. has been our bookkeeper since September 2005 and we have thoroughly appreciated his attention to detail and his excellent customer service. Because we travel quite often, we have come to trust him with running our private family office. We know that we can ask him a question at almost anytime and he will immediately get back to us with a response. He’s very reliable.
Along with our tax accountant, he helped guide us through an audit which we passed with flying colors.
He takes such a big burden off of us by handling all the day-to-day accounting and bookkeeping for our various investment properties. He makes all mortgage payments on time and has never missed a payment or made one late. He’s very organized and uses multiple checklists to manage the sixteen separate sets of books that we use. He prepares spreadsheets that help us analyze our refinance needs and opportunities.
He’s very responsive. Whenever we need financial reports for analysis purposes, even on very short notice, he has them ready for us to review. He has designed custom reports for us that are particular to our issues. He works very well with our tax accountant. We trust him to continue running our operations even when we are on extended trips.
We love J.R.
Name Withheld by Request
“As a small business owner, I was originally skeptical of working with a bookkeeper–not because I didn’t need one, but because I was hesitant to let anyone see the disarray I called my “books” at the time (let’s face it, that shoe box could not have held another receipt if I tried). What a difference working with JR has made in both my business and state of mind! Not only is JR concise, professional and experienced in bookkeeping, he is knowledgeable in MANY areas of small business management and has a great network of professionals to refer out to. Now that my information is organized, I am empowered to make important financial decisions and analyze percentages with the click of a button–not to mention my tax accounting costs have gone down greatly due to the accuracy of the reports prepared by JR. The initial cost in getting my account set-up was far less than I expected it to be–and seeing how well JR works, I would have gladly paid twice that. I can’t even remember what things were like before JR (plus JR works with online records so even if you lose that shoe-box, you are assured greater accuracy than paper receipts alone).
I can’t say enough about my experience with JR. Instead of being a source for anxiety, I am proud of my clean books and delight in exploring reports on Quickbooks. There are few things I am more excited to pay for–and few things that reap as many rewards as having a bookkeeper as skilled and knowledgeable as J.R. True story. Thank you!
Rebecca Jean Alonzi, Founder and CEO
Rebecca Jean Catering
I have been starting and building successful businesses since 1985. I understand business and the importance of the bookkeeping component. Simply put, JR is the best bookkeeper I have ever had. His organizational skills are outstanding. But what I admire most about JR is his character, integrity, and principles.
David Taylor, President and CEO
Rolling Umbrellas LLC
Armanino McKenna LLP
12667 Alcosta Blvd., Suite 500
San Ramon, CA 94583
925-790-2600 ext. 7059
J.R. is superb! JR and his team are professional, reliable, and fun to work with. For a couple of years while our Accounting team was focused on infrastructure and scalability projects, we relied on J.R. and his staff to help ensure our day to day operations ran smoothly. With his proficiency in Quickbooks and on-site services, JR ensured that our vendors were happy and bank accounts in order. His fluency in Spanish also came in handy for managing our partners in Latin America. J.R. came to me as a recommendation, and what a remarkable recommendation it was!
Karen Wong, Accounting Manger
J.R.’s service and staff allows us to focus our attention on our work and not get bogged down on the important and yet time consuming details of quality bookkeeping. Their experience and attention to detail kept us completely organized and most importantly focused on our business. I would highly recommend Patterson Bookkeeping to any growing or established business.
Wealth Management Client Service Coordinator
SF Digital Studio
I have worked with JR over 15 months. JR has been reliable, professional and flexible to learn our accounting software. JR is methodical and detail oriented.
President of SF Digital Studio
I own a small business whose customers demand rapid response to issues. I had incorrectly created an opening balance for a client and they required an invoice ASAP. I couldn’t print them a proper invoices with an erroneous balance. I called J.R. and within 15 minutes they resolved the problem over the phone without even looking at my file! I was able to print and send the correct invoice that day and my client was happy. Thank you J.R. You’re an asset in my book.
Mike Settell, President
Sustainable Resource Solutions
Christopher’s Fine Catering
This guy is great! Always delivers. Always correct. Couldn’t manage my cash without him. He always gets back to me when I call him. Hires the best staff. Knows his stuff. Been my bookkeeper for the last 10 years. I never have to worry about my books. Can’t say enough good things about him and his company.
Chris Costello, President and Owner
Christopher’s Fine Catering


Why do custom built guitars cost so much?
by Bruce Johnson
I’m a pro Luthier/Builder. Most of you would consider me successful at it. I’ve been doing it nearly full time for 21 years, I have a good reputation, and I usually have a waiting list for my basses and services. But let me enlighten you with the ugly financial reality of this business. The net income numbers some of you are tossing around are pure fantasy. Most of us Luthiers make a net hourly pay less than minimum wage. When I visit my tax accountant every year, he shakes his head and tells me to shut it down and go get a real job. I’m not kidding.
First things first: I’ve set a basic rate of $45 per hour. This is not my “pay”, it’s what’s called an Hourly Composite Rate for the business. I need to make an average of about $30 per hour for 40 hours per week, just to pay the overhead (rent on my building, utilities, insurance, etc.). Those are fixed costs that have to be paid each month. So, if I charge $45 per hour, and complete 40 hours of Billable Work (see below) in a week, my actual pay is really only $15 per hour. That’s $600 per week, which is less than most people with real jobs make.
But here’s the missing part: Trying to complete 40 hours of Billable Work in a week is much, much harder than it first appears. I only get paid $45 per hour for time spent actually at the bench, working on an instrument to be sold. I don’t get paid anything for answering the door, talking on the phone to customers, writing e-mails, writing on forums, sweeping the floor, sorting lumber stock, ordering parts, driving to the lumber yard, etc., etc. I get paid $0 per hour for all that time, but yet it’s all completely necessary to run the business.
For those of you who’ve never run your own business, that’s the fundamental difference between having a job and working for yourself. At a job, you automatically get money for every hour that you are there, almost regardless of what you do or how hard you work or how many parts you successfully make. Working for yourself, how much you make per hour is completely dependent on how many parts you successfully complete per week. You can seemingly bust ass all week and end up making almost nothing. In reality, I work about 80 hours per week, every week, and I’m doing well if I actually complete 40 hours of billable work. That’s a 50% ratio of Billable hours to Total hours, which isn’t bad for a small business. Many small businesses have a much lower ratio than that, like 20%-30%. But what it means to me is that I actually get paid only $7.50 per hour, for all those hours, and only if I complete those 40 hours of billable work.
Now, most “real” businesses charge a much higher hourly rate. For example, most small auto repair shops charge $75-$100 per hour. The mechanic working there makes $20 per hour if he’s good. The rest of it is for the fixed overhead costs and that ratio of Billable Hours to Total Hours, like I described above. By any standard small business model, I should be charging $75-$100 per hour. When you think about it, my business is very similar to an auto repair shop in the size and costs. My next door neighbor used to be a one-man Porsche repair shop, and we used to compare notes. He charged $75 per hour, which he said was the minimum he needed to pay the overhead and take home a modest wage for himself. He thought I was completely nuts to be only charging $45 per hour. I mean, we had identical size shops, with the same overhead rates. I’m older than him with much more education and experience. I even used to be a Porsche mechanic!
Okay, so why don’t I charge $75-$100 per hour, like I really should? Because you guys (the customers) won’t pay that much. It’s as simple as that.
Look at it from the cost side:
A hand-made custom bass neck takes 8-12 hours to build. I’m not speculating. I’ve built hundreds of them, and I keep very accurate time records. The raw materials (wood, metal, and fretwire) cost about $60. So, at $45/hr plus materials, I price a 10 hour neck at $510 plus shipping. That’s just for a basic custom bass neck. If I charged $75/hr, it would be $810. At $100/hr, it would be $1060. So, how many of you would pay $1060 for a custom neck? Just about none. But is that unreasonable? It’s the same quality of neck that you’d find on a $2000-$3000 bass. But if you read TB, you’d know that any neck over $250 is waaaay overpriced and not worth it. That’s the way this business is. Most instrument customers are completely spoiled by two decades of very cheap imports, and don’t appreciate the work and costs that go into building a custom bass. That’s the main reason why I no longer build custom necks at the retail level. It doesn’t make any sense financially.
Full instruments are the same way. My new AMB-2 Scroll Bass, which I’ve just developed and introduced this year, takes me about 60 hours each to build. The materials costs are $320: (Case: $110; wood: $50; metal: $30; purchased hardware: $90; plating: $40). So, with those materials costs and charging $45/hr, I need to sell them for $3000. That’s about right for the market (I hope!), in terms of what customers are willing to pay. But at $75/hr, I’d have to get $4820, and at $100/hr I’d have to get $6320. It would be very hard to sell them at those prices.
And that’s my simpler, lower-priced model. My fancy Series IV AUB-2 models that I built from 2006-2011 took 110 hours to build with about $400 in materials. I was selling them for $3900 and losing my ass on every one. That’s why I stopped building them. If I priced them at $100/hr, they would be $11,400. That’s nice to dream about, but not realistic.
Now, I’m a little unusual as a builder, because I build almost everything myself. I make most of my own metal hardware (bridges, tailpieces, etc.), plus I build my own pickups from scratch, and do all my own painting, in addition to the woodworking. So, my cost numbers have higher labor hours and lower materials costs than most builders. If I were to offer a custom made high-end Fender-like bass, using purchased hardware and pickups, and still painting it myself, the costs would be around $700 for materials and 35 hours labor. At $45/hr, I’d have to sell it for $2275. To me, that’s about as low as you can go, a minimum realistic price for a custom made, basic pattern instrument. To me, any builder who sells for less than that hasn’t really counted up the labor hours. Or they have a shop situation with no overhead. More likely, they are trying to set their prices based on what customers are telling them, and not understanding how much money they are losing.
Again, that’s the nature of the business. Being a Luthier is a “Glamour” business. Lots of guys want to do it because it looks like fun. And it is fun and rewarding building basses. As a hobby or a tax-writeoff sideline. But trying to do it as a rational business to make a living from is just nuts. The finances don’t add up.
If all of the above isn’t depressing enough, that all assumes that everything goes great. Unfortunately, this business also has an enormous risk factor. When building an instrument, there are hundreds of ways that you can make a small mistake, and end up ruining weeks or months of work. A small slip in a router fixture, a bad piece of wood, misreading a dimension, dropping a tool on a finished paint job, forgetting some feature that the customer asked for, etc., etc. These tiny things can instantly cost you an entire weeks’ worth of billable hours, or more. Remember, this is a fixed-price business. If I agree to build you an AMB-2 for $3000, that’s assuming that it’s going to take me 60 hours to build. But that’s the best case scenario, with no mistakes. If I get a couple of spots of contaminant in my spray gun and end up having to repaint it twice to get it right (a true story), I end up spending 90 hours on that instrument. And nobody is going to pay for those extra 30 hours. While I’m repairing that damage, I’m not working on other billable hour jobs. And the overall problem is that there are so many fussy steps involved in building an instrument, that it’s nearly impossible to go all the way through the process without making any mistakes. Only after years of making the same instruments do you eliminate most of the mistakes. The financial penalties are huge, and you can easily get into a position where you’ve already lost so much money on an instrument that it seems pointless to finish it. If you know that you’re going to make less than $5 per hour, and you still have a long way to go, is it even worth it? Meanwhile, the customer is calling you every day asking if it’s done yet.
Also, custom build jobs always have ten times the potential for mistakes and labor over-runs. Trying to do custom builds on fixed prices is setting yourself up for huge losses. There are so many ways for things to go wrong and wipe out any money you would have made. That’s why I stopped doing custom builds a long time ago. Happy customers, beautiful basses, and $5 per hour. Most Luthiers, if they survive more than a few years, eventually move to building only their own models with a fixed set of options.
I hope this helps you understand how the finances work in this business. And why we Luthiers can sometimes be cranky and evasive and refuse to answer the phone.
Most small shop electric bass Luthiers effectively charge $35-$45 per hour. That’s driven by the market; what customers are willing to pay. Established guys like me get “paid” $15 per hour at best. Guys getting started are usually making approximately nothing. You can usually make better money just doing repairs, with some careful management. The setup guy at Guitar Center makes more than I do.
So, you’re probably wondering why I keep doing this. In 1995 I was making 100K at a corporate job. Last year, I busted ass all year and grossed about 55K. On paper, my “pay” was less than 5K, for the whole year! I barely paid the overhead and the groceries each month. I work 7 days a week and hardly have any money left over to play with. I couldn’t possibly support a family or a wife doing this. But I’m okay with that. I’m a hermit mad scientist wacko type, and I’ve chosen this lifestyle. It’s just me and my dog, in a building full of machines, making cool stuff day and night. This is how I want to spend the rest of my life.


The Office of Internal Audit provides independent and objective assurance and consulting services designed to add value and improve the operations of the University and its affiliated organizations. Internal Audit helps the University accomplish its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of the risk management, control, and governance processes designed by management to meet the financial, strategic, and operational objectives of the University.
Independence and Authority
The Director of Internal Audit reports to the President and has direct access to the Chair of the Finance Committee of the Board of Regents. These relationships assure departmental independence, promote comprehensive audit coverage, and assure appropriate consideration of audit recommendations.
Internal Audit is authorized to review all records of the University and its affiliated organizations and has full and complete access to all University activities, records, property, and personnel reasonably necessary to perform the responsibilities of this function. Internal Audit has no direct responsibility or any other authority over the areas it reviews. An audit or review does not substitute or relieve other University personnel from their assigned responsibilities.
Scope and Responsibilities
The scope of work of Internal Audit is to determine whether the University’s network of risk management, control, and governance processes, as designed and represented by University management, is adequate and functioning effectively. Internal Audit will:
- Perform reviews of operations and programs to ascertain whether resources are acquired economically, employed effectively, and adequately protected and that results of operations are consistent and aligned with defined goals and objectives.
- Perform reviews and evaluations of the system of internal controls to ensure controls are adequate.
- Determine compliance with policies, procedures, applicable laws and regulations, and generally accepted accounting principles.
- Evaluate the reliability and integrity of financial, managerial, and operating information and the means used to identify, measure, classify, and report such information.
- Provide management advisory services during the planning, design, development and post-implementation of significant accounting or administrative systems to ensure adequate controls are implemented, documentation is complete, systems are thoroughly tested before implementation, and projected benefits are realized.
- Perform reviews of contractual agreements to ensure the propriety of payments and compliance with significant contract provisions. Review the books and records of contractors, where appropriate, to validate charges and identify any potential overpayments.
- Provide consulting services ranging from formal engagements to advisory activities, such as serving on management committees or participating in special projects and problem-solving task teams.
- Advise the President and the Chair of the Finance Committee of significant risks that management is not willing to resolve.
- Follow up to ascertain that appropriate action is taken on reported issues.
- Assist in the investigation of significant suspected fiscal misconduct.


BMW Pay Monthly Servicing Plan
At Bavarian BMW based we offer a range of servicing and maintenance options to help you keep your car in the best possible condition while keeping your costs affordable.
Planning for the road head has never been easier. With BMW Pay Monthly service removes the uncertainty often associated with servicing. Tailored specifically to your BMW’s exact requirements, costs are frozen for the term of the plan, protecting you from inflation and giving complete peace of mind.
Benefits of the BMW Pay Monthly Servicing Plan
- Fixed, inflation-proof service prices for the duration of your plan
- Cover tailored to your BMW’s exact servicing requirements and chosen plan duration
- Protection of your BMW’s resale value with a full BMW service history
- Peace of mind that your servicing costs are covered
- The option to transfer the plan to your new BMW or your BMW’s next owner, should you sell
Terms & Conditions
Individual to each vehicle. Contact member of our service team for more information. *Example based on a 2017 BMW 116d with 8,000 miles per year.


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Qavashop Affiliate Program helps content creators, publishers, bloggers, and coffee enthusiasts the opportunity to earn a commission by referring their audience to Qavashop. With hundreds of products available on Qavashop, as an affiliate, you should use your referral link to direct your audience to your recommendations. You will earn a commission when a customer makes a successful purchase! through your link. Join the program now and be our partner
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I am sure you will agree that now is the time to make sure your health coverage is adequate and cost effective.
Our plan offers a $0 deductible and no copays for doctor office visits and testing. Telemedicine is the new big thing. We have had it at no cost for years.
We save clients 40% to 60% when compared to Obama Care and older plans with high renewal rates.
We pay up to $6,000 per day for hospital room and board. And cover all other services at 2x Medicare rates.
For 40 years I have met with each client personally. We can make sure you understand our plan by teleconference. Once the virus scare is over, I still plan on meeting all my clients personally.
LEARN HOW I CAN HELP YOU WITH YOUR INSURANCE NEEDS
R & R Agency was founded in 1981 by Ron Richards.
We have since been National Sales Leaders for several companies every year. During his 40 years in the insurance business Ron has also owned and operated several successful small businesses (trucking company, country club, bar and restaurant, and auto detailing).
We know what is it like to pay our own insurance premiums
and how hard you have to work to be successful.
Thank you for taking the time to visit our website. We have a unique Health Insurance Program written outside of the Obama Care Guidelines.
By insuring people that are within reasonable health guidelines and letting our customers select the coverages they want and need, our premiums are often one half of Obama Care's with much lower out of pocket expenses.
It is our desire to communicate personally with all of our clients and we hope that this website will facilitate that communication.
Once we have minimal personal information (age, zip code, smoker or non smoker and email) we will forward a premium quote along with coverage information for you to review.
Once you have had time to review this information, we ask that you allow us to schedule a short phone conversation to answer your questions and make sure you understand the options available to you.
Please visit our FAQ section for more information. Thank you again. We will work hard to be worthy of your trust.
Do not let the Federal Government and their big insurance company cronies tell you that you have no other option. Now you do!
Q. Who would be my Insurance Company?
A. Philadelphia American Life Insurance Company underwrites the bulk of our program. They are highly rated by AM Best and have a long record of excellent customer service. (see www.neweralife.com health saver plus section).
Q. Can I qualify medically for this program?
A. The underwriting guidelines are very lenient. If you do not have a major illness or facing major surgery you will probably qualify.
Q. Will I have to take a physical or submit medical records?
A. No. We simply ask you a few medical questions and submit them to the company. For your protection, the company will verify your answers are correct. That is it.
Q. Should I wait to see what congress will do about changing or repealing Obama Care?
A. Absolutely not! Washington will not risk losing the votes of the millions who are getting a free ride on the backs of hard working Americans who are footing the bill. They will not change the preexisting conditions coverages or the Federal subsidies (your tax and premium dollars). These two factors alone are major reasons why the Obama Care premiums and deductibles are so high.
Q. Will I have to pay a penalty?
A. No, recent legislation has repealed the penalties under Obama Care for individuals.
Q. Why are your premiums lower?
A. First, we only insure people who are reasonably healthy. Second, we only write coverages that you want and need. Example: Does a 50 year old married couple really need to pay for maternity coverage? Do you need coverage for drug rehab, abortions etc.?
Q. What happens if I get sick?
A. Our program is guaranteed renewable and we cannot single you out for a rate increase regardless of health problems.
Q. Do I have to pay money upfront?
A. No, you will not be charged anything until you have been approved for coverage. Additionally, you have 10 days to review your policy. If the policy is returned, your premium will be refunded.
Q. Will this process take a lot of my time?
A. No, a short 5-10 minute phone interview is all that will be required. We will schedule your interview at your convenience. We work early and late. Note: It's ironic that we work so hard in order to pay for the ridiculously high insurance premiums that we don't have the time to look for something better.
Q. Where can I use my coverage?
A. You may go to any doctor or hospital; however, if you stay within the Physicians Health Care Service Network, you will receive large discounts on your medical bill. Note: PHCS is the largest network in the Midwest.
"I'm not old; I've just been around a long time."
"Do not tell me I can't."
"I'm too busy working. I don't have time to save $$."
"I'm from the Federal Government and I'm here to help."
"If we had term limits, politicians would not spend all their time trying to get reelected."
"If a politician can enter office with modest assets and leave a millionaire why wouldn't he become an investment counselor?"
"If you are not open to change do not tell me you're unhappy with your present position."
"Too good to be true"
The above statement is the most over used and ridiculous statement known to man. When most people say, "It's too good to be true", they are thinking why didn't I think of that. Most of the good things we enjoy in life were once thought to be "too good to be true". Example: air travel, internet, the automobile...


Competitive Laser Machine Financing
Control Laser Corporation has established a leasing program that will get your production line started in no time.
Customer financing is provided through CLC Financial Services program relationships with top Bank and Independent Lenders & Lessors. Our financing alliances are industry and equipment experienced and provide a competitive range of Finance or Capital leases, Operating leases, Loans and Term Rentals with Terms 36 to 84 months.
Advantages of Leasing
With a lease, you are able to upgrade to the latest technology after the lease expires. Easily compete with competitors with the latest.
No large up front costs for small and large businesses. Leasing laser equipment has never been easier!
100% Tax Deductable
The IRS Tax Code allows a corporation to deduct the full purchase price for equipment purchased or financed in the current tax year.
Preserve Business Credit
Equipment Leasing is an Alternative Source of Funds that lets you keep your business credit line open and strengthen the cash flow of your business.
Banking Partnerships with Competitive Rates
Some of our funding relationships are US Bancorp, Wells Fargo, Peoples Capital, Vision Capital, Kingswood Leasing, M-2 Leasing, Omni Leasing and others.
Application and Credit review for up to $350,000 in equipment cost is with “Application Only”. Simply complete the attached CLC Financial Services application and submit using email or fax. Upon completion of a credit determination which is usually within one day, a term sheet with the approval terms and alternative finance options will be provided for your review prior to documentation for your equipment funding.
Non-Application Only Requests
For other, non application only requests simply complete the attached CLC Financial Services application and submit. We will contact you to discuss the additional needed financial information to process a standard credit review for your financing.


We often get requests from readers who ask us if we can help them regarding their financial investments, specifically precious metals. Since we are not legally allowed to give such advice we unfortunately are unable to help anyone with these matters. However, one of our good friends and members, Sonny Rains, happens to be a certified financial planner based in the US who is therefore legally allowed to offer such advice. Upon discussion with him, we have decided to advertise his services on our site and in return split any revenue generated from these services on a 50/50 basis, which is a very kind gesture on his behalf to support our work.
If you are interested and you would like to read more information, a document is enclosed below which contains information specific to precious metal investments:
If you wish to contact Sonny please find all his details within this document. We will not reproduce them here due to the risk of spamming.
You can also listen to this podcast that we recorded with Sonny:
We trust you will find his advice constructive and valuable as he always has his clients’ best interests at heart. We would not make such a recommendation if we thought otherwise.
Please note that The Sirius Report is not liable for any investment decisions that you may choose to make. Those are between you and your financial advisor should you choose to avail yourself of their services.


Customer Services Administrator - Insurance experience preferred
Here at Axiom, we are currently recruiting for a Customer Service Administrator to work in a busy and rapidly expanding Insurance company based in South Hornchurch. The company are looking for someone ideally with a basic grounding within Insurance atleast, and the hours will be Monday - Friday. As the company grows they will be able to offer various progression opportunities and be able to invest in their employees futures by putting them through different insurance qualifications. The main objective of the role is to ensure that the companies clients are provided with fantastic assistance on all issues relating to their policy and to ensure the timely and detailed processing of paperwork from both the clients and customers. This will include;
- Dealing with customer enquiries and complaints in a courteous and helpful manner
- Being responsible for the smooth running communication between insurer and customers with any matters regarding a policy
- Full administrative support to both new and existing sales teams
- Ensuring that company in-house systems are kept up to date and following any instructions when is comes to the system
- Responding in a timely manner to customers and insurers enquiries via telephone, post and email.
- Keeping up to date with all of the organisation's products and services to ensure a fantastic product knowledge is provided to customers
- Demonstrate a pro active and professional attitude
- Ensure all important business activities comply with FCA regulation and company procedures.
- Use checklists and support documentation as provided by the company to assist with demonstrating compliance.
The perfect candidate;
- Fantastic communication skills, face to face and over the phone
- Experience within the insurance industry(atleast a basic grounding)
- Experience adhering to FCA regulations
- A passion for customer service
- A keen eye for detail
- Experience in both customer service and administration
- Strong computer literacy skills
- Team player
Please apply today for immediate consideration!!
Salary: £14,000 - £17,000
For more information or if you would like to apply for this job, please use the links below.


Don't Budge From The Budget: How eProcurement Can Help Municipal Budget Shortfalls
As recovery from COVID-19 begins to take shape, municipal governments will need to focus on ways in which they can shrink budget deficits, while also continuing to serve citizens.
This webinar will address how eProcurement can help public procurement officers work within these budget constraints and manage:
- Lost revenues
- Administrative strain
- Wasted time
- Low competition
- Taxpayer accountability
- Supplier diversity
- Cooperative purchasing
- Stimulus spending and incentives
Information from this webinar will give agencies actionable tips to navigate budget shortfalls and recovery.
This webinar is now complete. Please provide your contact information to receive the recording link.
No time to watch the webinar? Download the infographic for some quick tips on how to improve procurement evaluation:


We handle the payments, conversions, price and market fluctuations. You can focus on your business while providing more payment options to your customers.
Accept payments from anywhere in the world. By leveraging the global networks of Bitcoin and other cryptocurrencies, no market is outside of your reach.
All your payments are converted into local currency and deposited into your account. You can withdraw your balance to your bank account at any time.
You can also offer cryptocurrencies to your customers. Our API allows you to purchase Bitcoin and other cryptocurrencies and send them directly to your customer's wallet.


Are you planning major renovation work to your home? If so, it is a good idea to purchase home insurance to offer you peace of mind while renovating your home. It is essential that you inform your home insurer that you are renovating your house, it may show that your policy may not cover you if someone makes a claim against you while working on your home. This also applies to whether you decide to stay living in the house while the renovations are being carried out. Something happening to your home and your belongings inside is a risk and it will increase while renovations are being carried out. You must inform your insurer about any renovating as the rebuild costs to the house could be affected. Your insurance company wants to ensure that you are covered with the right level of cover to protect you and your home. You can learn more from top insurers in Ireland on their websites. Let’s look at the types of home insurance that you would need for a house renovation.
Buildings insurance protects the structure of your home, as well as any permanent fixtures such as your roof, kitchen fittings, and the bathroom. This extends to outdoor buildings as well as sheds, walls, gates, fences, and garages. It is not a requirement legally, however, if you have a mortgage on your home your lender will insist that you have buildings cover in place for your peace of mind and protection.
Contents insurance will protect all the belongings inside the home in the event any of your contents become damaged or stolen during the house renovation. Contents include furniture, TV, expensive items, jewellery, electrical appliances, and more. It is important to work out how much all your contents add up to and the best way of doing this is to go room by room and provide your insurer with an estimated figure to place on your home insurance policy.
Public liability Insurance
Public liability should be obtained if you are renovating the home. It is essential to make sure that you won’t be solely responsible for injuries to contractors or builders in the event someone would make a claim against you. Public liability also protects you against damage to their property which may be caused by your house renovations. If an accident occurs on your premises you will be covered for medical bills, repair costs, and legal costs to the damaged property. This will give you peace of mind that you are covered under your policy.
Home Renovation Insurance
A Home renovation insurance policy covers you for the following:
- Public liability insurance – if someone becomes injured at your home during the renovations, however, it does exclude any injury that occurs as fault of the home renovations project.
- The existing parts and structure of the building that is not being renovated.
- Cover for explosion, fire, and earthquake once it is not caused by the home renovations work.
- Damage that is malicious – during the renovations if the property is left unoccupied you will not be covered.
- If your building is unoccupied you will be protected under your home renovation insurance policy.
- Protection for structural damage – if any issues occur during the renovating work, once the property is not unoccupied and that the damage to the structure of the house is not caused by the renovating to the property.
One of the most valuable possessions you own is your home. It has all your comforts, memories, and belongings inside. Therefore, it makes sense to have your property covered with a home insurance policy. It isn’t a legal requirement, but it should always be taken into consideration to protect your home.


This new portal will allow for more options and flexibility, especially when and how payments can be made. It will allow customers to pay via e-check or credit card AND you will also be able to call an automated service to make secure payments over the phone.
The new portal is just Phase 1 of the process. Phase 2 will allow our customers to choose paperless billing as well! This will help reduce waste as nearly 30% of customers currently pay their bills online. We currently plan to release paperless billing before the end of the year. We will notify customers on the website once this service becomes available.
Please be aware that all customers will have to sign up again on the new payment portal. Your online account WILL NOT automatically transfer over.
Automated Phone Payments - 1 (833) 440-8630
In order to ensure a smooth transition, we need to accurately inform everyone how the transition will occur. Beginning November 1, 2019 all customers will no longer be allowed to log in to the old website and you will be able to register on our new site at that time. Any payment submitted to the old website prior to November 1, 2019 that is to be posted in the month of November will still be posted and received. Any payment that is scheduled to be processed after November 30, 2019 will be purged from the system and a new payment must be submitted through our new online portal.
It is important that all customers that make payments online – whether on auto pay or not – sign up for the new website as soon as possible beginning November 1, 2019. If you have any additional questions please contact the Water & Sewer billing office at (504) 271-1681.


Sponsorship of MFA helps nurture and support the self-sustaining start-ups of tomorrow. Building interest in underdeveloped but key industries of technology, chemical and biotech will allow further engagement with academia, industry, government, and investor participants. Your company or organization will participate in a unique creative endeavor, which will attract leading edge interest from industry, finance and academia. In addition you will have the opportunity to meet, interact and showcase with the thought leaders that are driving innovation, ingenuity, fabrication and industrialization in Africa.
Contact us at : email@example.com to request a copy of our 2012 Sponsorship Guide or to discuss opportunities for you or your organization to get involved!


Alfa-Forex’s requirements for this platform is a deposit of at least $300 and a maximum leverage of 1:100. Alfa-Forex’s mobile trading platforms makes it possible for customers to trade on the Forex market via a smartphone, tablet, and other mobile devices. HOW TO OPEN AN ACCOUNT . The Alfa-Forex review is simple and easy. Alfa Financial is a regulated online broker for Forex, Futures, CFD and Currency Trading. Trade Forex in Dubai with Alfa Financial Alfa Forex is a Forex and CFD broker owned and operated by Alfa Capital Holdings (Cyprus) Limited, with an address at Themistokli Dervi,5, Elenion Building, 2nd Floor, 1066 Nicosia, Cyprus. AlfaForex contact phone number is +357 22 470 969. Alfa-Forex is an important part of Alfa Group Consortium. Alfa Group was founded in 1989 and is one of the largest privately owned financial-investment conglomerates in Russia. At this point, the reliability of Alfa Group is rated A++ by Expert RA, a well-known rating agency. Онлайн-торги валютными парами на официальном сайте Альфа-Форекс. Еженедельные прогнозы, ежедневные разборы финансового рынка, аналитика, вебинары, обучение начинающих трейдеров.
APLUS Регистрация личного кабинета в Alfa-Forex - YouTube
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Fees & Online Booking
Wednesday Evening Drama Classes: £114.00 per term. This includes a £2.00 booking fee. A term consists of 11 sessions.
All fees for classes must be paid in full when rebooking. Please note that an additional fee of £2.00 is charged for any booking which is transferred to an alternative course. This fee is paid to Active Works booking system and is non-refundable.
Places not rebooked by current students will then be offered to new students on the waiting list.
CURRENT STUDENTS - REBOOKING NOW CLOSED FOR APRIL 2024
A deposit of £30 per subject when booking is required. A booking fee of £2.00 applies during online registration and is non-refundable. Please note that an additional fee of £2.00 is charged for any booking which is transferred to an alternative course.
Refunds once I accept a place
Once you have accepted a place when offered, your £30 deposit becomes non refundable. Refunds of fees minus the deposit for any cancelled bookings will only be made on request during the first three weeks of term, after which time no refunds are made.
NEW STUDENTS - Click here to join the Adult Classes Waiting List for April 2024


Advance payment by bank transfer
With the confirmation of the order we send our bank details. As soon as payment has been received (please indicate the order number in the reason for payment without spaces or special characters) we will be able to start the production and shipment of the order. Receipt of the transfer can take two to three working days. Once the amount has been received, we will send a confirmation e-mail.
Our bank account details:
Cooperative credit bank “San Giuseppe”, Castelbuono
IT 18 V 08976 43220 000000302342
If you opt for payment with PayPal, during the order phase you are automatically forwarded to the secure PayPal website and, after the payment has been completed, back to our site.
Pay by credit or debit card
You can choose to pay for your order by credit card or debit card.
All transactions are controlled and managed by PayPal , the world’s leading platform in the field of e-commerce payments. At the time of order confirmation, a page that resides on PayPal’s secure server will automatically be displayed where you can enter your credit card details.
We accept all major credit cards such as Visa and MasterCard.
Payments via PostePay and many rechargeable cards relating to the Visa Electron circuit are also accepted.


The Girdlers’ Company is the Trustee to the Girdlers’ Company Charitable Trust. The Company makes regular and significant Gift Aided donations to the Trust which makes donations and grants to a range of charities with which it has long standing and close relationships.
The Trustee is undertaking a review of its grant making. One of its decisions during this review has been to close its current open application process in which it made annually 20 one-off grants of around £1,000. Once the review is complete, not expected before 2017, it will announce any new open application programme on this page.


An Adjustable Rate Mortgage (ARM) is often viewed cautiously by borrowers shopping for a loan product. An ARM product does come with some variables that can make people nervous. However if you are shopping for a home in today’s market it is wise to evaluate all the loan programs on the table including ARMs because they may actually be the best scenario for you.
What is an ARM
An ARM is designed to be a fixed rate for a set period of time and then the rate would adjust for the remainder of the loan term. The most common ARM terms are a 5/1 ARM, 7/1 ARM and a 10/1 ARM.
These products would have a set interest rate for the first 5, 7 or 10 years of the mortgage and after that period the interest rate would adjust periodically (up or down depending on the market) for the remainder of the life of the loan.
An ARM is presented with an initial interest rate that is below the market rate for a fixed mortgage product.
This is in contrast to a fixed rate mortgage where the mortgage rates stays the same for the duration of the loan term. Fixed rate mortgages typically come in 15, 20 and 30 year increments.
Why Would I Ever Choose an ARM?
ARM’s seem worrisome for some borrowers. Buying real estate can be an emotional and often stressful process so a fixed rate mortgage feels safer. However according to the Financial Samurai in 2022 the average home owner has been in their home for 10.5-13 years. In the early 2000’s homeowners typically stayed in the home for approximately 4-5 years. Still, according to the US Census Bureau, only 37% of Americans have lived in their home for more than 10 years. Even the post pandemic statistics confirm that an ARM is a beneficial mortgage solution for many borrowers.
What does this tell us? If you are reviewing your loan options you might consider how long you expect to stay in the home you are purchasing. If it is likely that you will move from the area or into a new home in 5 – 10 years after purchasing your home then an ARM might be a better choice.
The Pros and Cons
Fixed Rate Mortgage –
- Set interest rate that will not change for the life of the loan.
- No rate change surprises if the market changes drastically.
- Consistent payment that is easier to budget for.
- Can be harder to qualify for.
- If interest rates decrease you can refinance into a new loan program to lower your rate.
Adjustable Rate Mortgage –
- Initial rate is set below fixed rate mortgages for upfront savings.
- After the initial term, the rate will adjust with the market so it could go up or down.
- Typically much cheaper than a fixed rate mortgage for the first 5-10 years.
- Harder to budget for when the rate starts adjusting.
- If interest rates decrease you can get the lower rate without refinancing.
There are benefits to both an ARM and a fixed rate mortgage. The decision becomes much clearer if you have set goals for homeownership and the property you are buying. Unless you’re buying your forever home an ARM is at the very least worth the consideration.
Learn the Lingo
When looking into ARMs it is helpful to have the basic knowledge on common terms that will be presented to you.
– Adjustment Frequency: This will outline how often the rate will be subject to adjustment after the fixed term has concluded. Examples would be every 6 months or annual adjustments.
– Caps: An ARM will typically have some caps. There will be a cap on how much the interest rate can increase each adjustment period and there will be a cap on how much the interest rate can adjust over the life of the loan.
– Ceiling: This would refer to the maximum the interest rate would be allowed to adjust to over the life of the loan.
– Floor: This would refer to the minimum interest rate that would be allowed regardless of the rate market conditions.
Understanding these terms will give you a better idea of how your ARM will play out over the course of the loan and help you decide if you feel comfortable moving forward with this loan type.
Fixed Rate or ARM?
If you are considering what loan type to choose it’s best to sit down and make a rough outline of your vision for the property you are buying and discuss the options candidly with your loan officer.
The biggest advantage of an ARM is the lower initial interest rate. If you plan to stay in the home long term you will want to check in on the interest rate market from time to time to determine if it might be a good time to refinance into a long term fixed rate.
If you are buying a home while you attend college or medical school or if you have taken a temporary position with the goal to relocate in the future, an ARM may be the perfect choice for the time you’ll spend in the home.
Contact your loan officer today to talk out all your options and our team will help you determine the best loan program for you.
If you are looking to buy a home in the current Upper Valley real estate market, you need a team of local real estate experts on your side. Our team is well versed in a variety of loan programs including fixed mortgages, ARMs, VA loans, FHA and more! We have the privilege of partnering with the best local agents, appraisers and attorney’s the Upper Valley has to offer. When you work with Legacy Mortgage you are working with the best local professionals from beginning to end. Reach out to the Legacy Mortgage team to get started get the loan process started. Call us today, 603-643-7400.


Investing in Success
The Tourism Industry Association of Canada has partnered with a number of leading national suppliers to provide the highest quality services to our members at fantastic rates.
Elavon delivers reliable and secure payment solutions to help businesses succeed in an increasingly complex marketplace. By serving as a single source for payment processing, Elavon sets new standards in convenience, reliability and innovation.
Pragmatic is a leading provider of audio, web and video conferencing services. TIAC members pay only $0.068/minute, with toll-free access, billed exactly to the second, with no miscellaneous fees or contracts.
Pragmatic Mobile are Cell Phone Experts who use their knowledge to negotiate a lower rate plan with your carrier to help save you money. They offer FREE, unbiased assessments of your mobile spend, including offerings for all major carriers.
Join TIAC Today
To become a member today, please click here to enter our online registration platform, or contact:
Director, Member Services and Partnerships


Pfizer, Inc. is the potential investor for Swedish Orphan Biovitrum AB (Sobi), Reuters reported last week.
Sobi develops medications for rare diseases. In its latest filings the company reported a market value of about $4.3 billion, which makes it attractive to large pharmaceutical companies looking to bolster their pipelines.
On April 27, Sobi’s board of directors confirmed a company was in talks to acquire the Swedish firm, but did not disclose any names. Following Sobi’s revelation that day, shares of the company that was founded in 2001 increased 19 percent on the Swedish stock exchange. Sobi has been rumored to have been entertaining suitors for a while.
Pfizer and Sobi have a marketing deal for Sobi’s hemophilia drug ReFactor AF. In addition to the hemophilia drug, Sobi also manufactures arthritis drug Kineret and Orfadin, a drug used to slow the effects of hereditary tyrosinemia type 1.


Consumer credit is a financial tool that allows individuals to borrow money to purchase goods, personal loans, credit cards, or services. It has become a common way for people to finance their lifestyles, but it’s important to understand how it works and the potential consequences of using it. In this article, we’ll explore the basics of consumer credit and provide tips for using it wisely.
What is Consumer Credit?
Consumer credit refers to the loans and lines of credit that individuals use for personal expenses. This can include credit cards, personal loans, and store credit, among others. Consumer credit is often used to finance large purchases, such as a home or car, or to cover everyday expenses, such as groceries or utilities.
How Does Consumer Credit Work?
When you apply for consumer credit, a lender will assess your creditworthiness to determine whether to approve your loan. This is done by evaluating your credit history, income, and employment history, among other factors. If your application is approved, you’ll receive a credit limit, which is the maximum amount you can borrow.
Interest and fees are typically added to the amount you borrow, and you’ll be required to make monthly payments until the debt is repaid. The interest rate on your loan will depend on several factors, including your credit score and the type of loan you have.
Tips for Using Consumer Credit Wisely
- Make sure you can afford the payments: Before taking out a loan, make sure that the monthly payments fit into your budget. Consider your other expenses and make sure that you can afford to make the payments on time.
- Use credit cards wisely: Credit cards can be a convenient way to finance your expenses, but it’s important to use them wisely. Avoid overspending and make sure to pay your balance in full each month to avoid interest charges.
- Avoid maxing out your credit: Your credit utilization, or the amount of credit you’re using compared to your credit limit, is a major factor in your credit score. Avoid maxing out your credit cards, as this can have a negative impact on your score.
- Pay your bills on time: Late payments can have a negative impact on your credit score, so make sure to pay your bills on time. Consider setting up automatic payments to help ensure you never miss a payment.
- Shop around for the best rates: Interest rates can vary greatly between lenders, so it’s important to shop around for the best rates. Compare offers from multiple lenders to find the one that best fits your needs.
In conclusion, consumer credit can be a useful tool for financing your expenses, but it’s important to use it wisely. By following these tips, you can ensure that you use consumer credit to your advantage and avoid falling into debt.


This year the PTA is once again doing a direct donation drive, in lieu of the myriad of other fundraisers available to us. We hope to raise $9000 to cover the PTA expenses for the current school year and can’t reach that goal without your help! Please help us continue to provide for the Hunt Valley community.
The direct donation drive will run through Friday, November 4th.
Where will your money go?
100% of funds raised will go to support programs that enrich your student(s) educational experience including:
- Transportation funds for field trips at all grade levels
- Teacher stipends for classroom projects and supplies
- In school assemblies
- Two (2) 3D Printers, along with supplies to get our kids started using these amazing machines!
- Return the attached envelope to school with your student(s) containing your donation made out to the Hunt Valley PTA.
- Click the “Donate” button below to donate via PayPal.
*When donating via PayPal please be sure to include your student(s) name and teacher in the description field*
- The students of Hunt Valley will dump BLUE slime all over Mr. Fee!!


Expert appraisals in and around County
For years, mortgage lenders and consumers, as well as other real estate professionals, have depended on our expertise to provide high-quality appraisals on all sorts of real estate in Knox County. By continuously keeping up with local real estate trends in Knox County and staying current on valuation techniques through accredited courses, we've been consistently able to produce reliable home valuations for our clients.
How do we save time and maintain competitive fees while maintaining high quality? Our reply is simple: Technology. And above everything, we keep in mind the importance of professional customer service. You'll be shown the utmost respect in all aspects of working and communicating with C-H Appraisal Group. The end result is simply an unbeatable experience for our customers. Call C-H Appraisal Group, and let us prove to you why we're different.


1. If cancellation occurs before the event opens, we will refund all registration fees 100%, less the cost of the shirt ($10 for standard early reg short sleeve)*.
2. If cancellation occurs during check in, we will refund all registration fees 100% for all teams present, less the cost of the shirt ($10 for standard early reg short sleeve)*.
3. If cancellation occurs at any point during pool play, we will refund all registration fees 50%.
4. If cancellation occurs during playoffs, the payouts (cash and/or merchandise prizes) will be split evenly between the then active teams.
*We will still provide your shirts to you. If you pay via credit card, the best way to handle this is to venmo/paypal/ cash app us the $10 and we can then process a full refund, including your credit card processing fee, via the registration site. If you choose not to send us the $10, we will process your refund but you will lose the credit card processing fee.


Bitcoin is a digital currency, or a cryptocurrency. It was invented in 2008 by an anonymous person, or group of people named Satoshi Nakamoto. The creator decided to remain anonymous.
Bitcoins differ from fiat currency, or government issued currency, because they are not physical objects. Instead, they exist in the virtual world as snippets of code. This hasn’t stopped people from imagining what a bitcoin might look like in reality, and the crypto space is filled with artistic renderings of gold coins emblazoned with a B!
Bitcoin is a decentralized currency, meaning it has no central point of control and is sustained by individuals in the global cryptocurrency community. Bitcoin is like having a Swiss bank account on your phone or computer.
You don’t buy Bitcoin at a bank. Instead Bitcoin users go to online exchanges, ATMs or private brokers to purchase Bitcoin and other Crypto Currencies. When coins are not being used or traded, it is best to keep coins off of an exchange and in a wallet.
New bitcoins are being created every day through a process called mining. Big computers work hard to solve complicated equations, and each correct answer produces new Bitcoin. The Bitcoin code dictates that only 21 million Bitcoins will ever be created, making it a finite commodity much like gold.
After viewing the videos in each subsection below you will be much closer to becoming a Bitcoin pro.


A North Carolina attorney and real estate developer is facing a maximum sentence of 30 years after pleading guilty to bank fraud charges relating to a mortgage fraud scheme that is anticipated to cost various lenders, title insurers and investors at least $18 million.
According to the U.S. Attorney’s Office for the Eastern District of North Carolina, Joseph Kinlaw, 63, pled guilty this week to charges stemming from a scheme that saw Kinlaw allegedly falsified property information in order to obtain several loans from BB&T and First Citizens Bank under the auspices of developing residential real estate near Camp Lejeune, a Marine Corps base in North Carolina.
In a release, the U.S. Attorney’s Office stated that Kinlaw was a licensed North Carolina attorney who operated various alleged real estate investment and development entities on behalf of investors.
According to the release, Kinlaw used those entities to obtain fraudulent loans from BB&T and First Citizens Bank, between January 2011 and April 2013.
The U.S. Attorney’s Office stated that Kinlaw allegedly used the real estate development entities to defraud BB&T and First Citizens Bank by falsifying the legal descriptions of the loan collateral, and by falsifying releases of the collateral.
According to the U.S. Attorney’s Office, Kinlaw was then able to use the collateral for other real estate investment activities and loans. Also, by fraudulently releasing the banks’ collateral before the banks’ loans had been satisfied, Kinlaw was able to convey the collateral to third parties for value and continue the scheme.
In order to keep the scheme alive and to keep from being discovered, Kinlaw allegedly used outside funds – money that was unrelated to the real estate development activity that was the subject of each loan – to make ongoing loan interest payments to BB&T and First Citizens Bank.
In some cases, Kinlaw allegedly used loan proceeds from one transaction to make loan interest payments on another transaction. And in other instances, Kinlaw fraudulently extracted funds from other investors and their business interests to make payments on the loans, the U.S. Attorney’s Office said.
Eventually, banks stopped loaning money to Kinlaw, his related companies and investors. As a result of that, the existing loans went into default.
And because Kinlaw substituted false legal descriptions of bank collateral, and fraudulently conveyed bank collateral, BB&T and First Citizens Bank were unable to recover their loan losses in foreclosure, the U.S. Attorney’s Office stated.
Additionally, various title insurance companies and investors also lost “substantial funds” because of the scheme, the U.S. Attorney’s Office said.
Overall, the full loss suffered by the banks, investors, title companies and other companies is still under investigation, but the losses are presently anticipated to exceed $18 million, the U.S. Attorney’s Office said.
For his crimes, Kinlaw faces up to 30 years in prison and 5 years of supervised release. He also faces a fine of up to $1 million, and an order of restitution to victims.


Minnesotans are accustomed to hearing news about the market ups and downs of the Richfield-based electronics retail giant Best Buy. Less common are news items about the personal life of Best Buy’s chief executive officer. That’s exactly what Minnesotans got, however, after the company complied with federal regulations to show that the CEO had sold $10.4 million worth of shares in the company. The reason he gave was that he needed the cash for his divorce.
This may seem like an extravagant amount of money for a divorce settlement, but then a high net worth divorce has complications that make it different from other divorces – and not just because there’s so much more money involved.
In every Minnesota divorce, the parties must divide their personal property from the marital property and then come up with an equitable division of the marital property. That’s easier said than done, even when splitting the marital property is relatively straightforward. For those with complex assets such as retirement accounts, stock options and ownership stakes in businesses, however, this process of property division can get very complicated.
For example, the Best Buy executive had stock options from which were not supposed to be sold for two years. He had to get permission from the board before he could sell the stock. A
lso, stock can vary widely in value. The month before the company’s announcement of the $10.4 million sale, its stock reached its highest point in a year. One can assume that the fact the two factors did not coincide by accident.
Few Minnesotans can boast anything like $10 million to fight over in their divorce, but all divorces have their complexities and difficulties. It’s important for Minnesotans going through a divorce to get help from professionals who understand how the property division process can work for their unique set of circumstances.
Source: Minneapolis-St. Paul Business Journal, “Best Buy CEO’s divorce prompts stock sale worth $10.4 million,” Mark Reilly, Sept. 11, 2013


An Improved Markov Chain Combination Forecasting Method Analyzes Benefits and Market Size of the Healthcare Tourism Industry
Welcome to Medical Tourism!
We are excited to discuss the impact of the medical tourism industry on regional economic performance. To study the effects of this industry, a Markov prediction method was proposed, and an improved Markov chain combination forecasting method was established. We have researched to analyze the economy of the healthcare tourism industry through the Markov chain forecasting method and various processing methods for financial results of different years.
This research has shown that healthcare tourism industry services are a new and highly potential tourism product that can generate significant economic and social benefits.
By utilizing the Markov model, scientists can explore the complementary roles of Medicine and Tourism, helping them predict the market size and benefits.
Scientists analyze the model results and calculate the benefits and scale of the development of the healthcare tourism industry by combining the actual data situation and can also condition growth each year. By doing so, they hope you find this information interesting and helpful.
So, Let's start exploring medical tourism's potential and positive effect on regional economies!
The impact of medical tourism on regional economic performance is increasingly becoming an essential factor in the global economy. To study this, a Markov prediction method was proposed to analyze the economy of the financial healthcare tourism industry through Markov chain forecasting and various processing methods for financial results of different years.
An improved Markov chain combination forecasting method was established to explore the complementary roles of medical and tourism, which helps predict the market size and benefits development.
The research results show that the healthcare tourism industry service is a new and highly potential tourism product service. It can generate significant economic and social benefits. The value and market size of the healthcare tourism industry can be analyzed and studied using the Markov model.
The model results are also analyzed and calculated. The benefits and scale of the development of the healthcare tourism industry are evaluated by combining the actual data situation and growth conditions each year. The results show that medical tourism is invaluable to local economies, providing them with jobs and revenue.
Medical tourism positively impacts the regional economy with increased medical spending, tourism spending, and economic development.
Medical tourism is increasingly becoming a significant factor in the global economy, and more and more people are choosing to travel to get quality healthcare services.
The healthcare tourism industry is rapidly growing, with much potential for future growth. By understanding the impact of medical tourism on the economy,
governments, healthcare providers, and the travel industry can make better decisions and prepare for the changing trends in the industry.


This inclusive webinar covers the main threats facing law firms from cyber and fraud attacks.
The number of cyber threats targeting the legal sector have increased over recent years. Our expert speakers will help you to understand the common methods used by hackers and the immediate steps that you and your staff can take to make your firm safer in its everyday dealings online.
The webinar will cover:
- examples of cyber and fraud attacks targeting UK businesses
- who the attackers are and their motivations
- the main points of vulnerability which will be targeted by organised criminal groups
- guidance on the critical steps to protect the firm in the event of a cyber or fraud attack
This webinar was originally broadcast on 2 April 2019.
- Chris Fawcett, commercial banking fraud risk manager, Lloyds Banking Group
- Giles Taylor, commercial banking head of data & cyber security, Lloyds Banking Group


The cost of a funeral can be a difficult thing to manage, especially if the death is sudden and unexpected. A Funeral Expenses Payment from the Government can help provide financial support to pay for some of the costs of the following:
– burial fees for a particular plot
– cremation fees, including the cost of the doctor’s certificate
– travel to arrange or go to the funeral
– the cost of moving your loved one within the UK, if they are being moved more than 50 miles
– death certificates or other documents
You can also get up to £1,000 for any other funeral expenses, such as the Funeral Director’s fees, flowers or the coffin. However, the payment will not usually cover all of the costs of the funeral.
How much you get depends on your circumstances. This includes any other money that’s available to cover the costs, for example from an insurance policy or the deceased person’s estate.
A Funeral Expenses Payment is paid into your bank, building society or credit union account if you’ve already paid for the funeral.
The money will be paid directly to the organiser of the funeral (for example, the Funeral Director) if you have not paid yet.
Check the claim form notes for more information.
Can I get a Funeral Expenses Payment?
Yes, if all of the following apply:
– you get certain benefits or tax credits
– you meet the rules on your relationship with your loved one
– you’re arranging a funeral in the UK
What benefits must I receive?
You (or your partner) must get one or more of the following:
– Income Support
– Income-based Jobseeker’s Allowance
– Income-related Employment and Support Allowance
– Pension Credit
– Housing Benefit
– The disability or severe disability element of Working Tax Credit
What relationship must I be to the deceased?
You must be one of the following:
– the partner of the deceased when they died
– a close relative or close friend of the deceased
– the parent of a baby stillborn after 24 weeks of pregnancy
– the parent or person responsible for a deceased child who was under 16 (or under 20 and in approved education or training)
How do I make a claim?
You can make a claim by phone by calling the Bereavement Service helpline from Monday to Friday, 8am to 5pm:
Telephone: 0800 151 2012
Welsh language: 0800 731 0453
Textphone: 0800 731 0464
Welsh language textphone: 0800 731 0456
Relay UK (if you cannot hear or speak on the phone): 18001 then 0800 151 2012
You can also claim by post. Download and fill in the claim form (SF200), then send it to the address on the form.
If you need any help or support with understanding whether you meet the eligibility criteria, or with making an application for the payment, please do not hesitate to get in touch with us on 01782 756518, or call in to the Funeral Home.
We are a forward thinking and creative Funeral Directors with a family-run independent Funeral Home based in Stoke-on-Trent. Furthermore, Forrest & Family combine traditional core values with a modern holistic approach.
Our team are passionate about supporting people on their full journey through end-of-life care and planning, arranging a funeral, and onwards into grief and bereavement support. We understand that a funeral should be affordable without compromising on quality. Please contact us on 01782 756518 for further information on Financial Support for Funerals.


CAYMAN ISLANDS/March 17, 2009/Business Wire/ - Garmin Ltd. (NASDAQ: GRMN) today announced that for the second straight year, it is the global leader in personal navigation device (PND) sales in 2008 – expanding its worldwide market share over 2007. The research was provided by Canalys, a leading independent technology market analyst firm.
“For the second straight year, people across the globe chose Garmin more than any other brand to help guide them to their destinations,” said Cliff Pemble, Garmin’s president and chief operating officer. “For twenty years, Garmin has been committed to bringing its customers industry-leading innovation, quality, value, ease-of-use, and support. Despite these difficult economic times, we believe that our higher market share validates our approach and are confident that we can continue to offer best-in-the-business products to attract more customers in the years ahead.”
“Canalys estimates that in 2008 Garmin increased its global market share in the portable navigation device (PND) market to 33.7%, up from 27.8% in 2007,” commented Chris Jones, vice president and principal analyst at industry analyst firm Canalys. “According to Canalys estimates, Garmin's PND shipments grew by 42% year on year, a solid performance in a market that is now feeling the effects of slowing consumer demand. However, despite what will be tough market conditions in 2009, the stronger vendors in the market will benefit and continue to gain share,” said Jones.
The Canalys figures include total worldwide PND sales for the 2008 calendar year. The report did not include Garmin’s other significant product segments – outdoor, fitness, marine, and aviation products – which would extend the company’s global leadership in the market for location based devices even further.
In all, Garmin delivered 16.9 million total units in 2008, a 38% increase from 2007. Despite a very challenging economic climate, the company posted total revenue of $3.49 billion in 2008, up 10% from $3.18 billion a year earlier. All geographic areas experienced revenue growth as well in 2008, with North America up 13%, Europe up five percent, and Asia up one percent.


We are thrilled to announce that Learn by Design have secured a funding investment from the Careers & Enterprise Company to support young people in Derby City, Greater Birmingham and Solihull LEP.
The investment will help to scale up the careers and enterprise programme and help young people make the transition from education to the world of work.
In total, the government-backed Careers & Enterprise Company will distribute funding worth £5million to 50 organisations across the country, supporting 160,000 pupils as part of its latest Investment Fund.
Louise Curd, Director of programmes said:
“We are thrilled to be one of the recipients of the Careers and Enterprise funding and it gives a much wider breadth of career information available to young people in the region.
Our iRail programme will be at the forefront of our offer to schools, as the workshop will highlight careers within the rail industry with an enterprise task attached to the day. Programmes like these are vital in raising awareness of STEM to young people and we at Learn by Design are extremely proud to be apart of this initiative”
Education Secretary Justine Greening said:
“Good careers advice is vital in inspiring and helping young people to make smart, informed choices about their futures – whether that’s going off to university, starting an apprenticeship or kick starting a career.
The Careers & Enterprise Company has reached out to thousands of young people to give them advice and support to ensure there are no limits to their potential. It’s great to see the programmes continue to take shape across the country and positively impact young lives.”
Claudia Harris, Chief Executive of the Careers & Enterprise Company, said:
“I am delighted we have been able to invest £5million to scale up proven careers and enterprise programmes in areas of need, focusing on careers and enterprise ‘cold spots’.
Our first fund has delivered ahead of schedule to provide careers and enterprise support to more than 250,000 young people including 170,000 new STEM encounters with business. It has also engaged 3,000 new employers working with young people for the first time.
“The best research shows that young people who have 4 or more encounters with the world of work while in education are 86% less likely to be NEET – not in education, employment or training – and on average will go on to earn 18% more than their peers who did not have such opportunities. So we know this funding is making a real difference to employment outcomes for young people and the future of our economy.”
Find out more here.


Immunicum AB: Report from the Annual General Meeting of Immunicum AB (publ) on October 26, 2016
Gothenburg October 26, 2016 - At the Annual General Meeting ("AGM") of Immunicum AB (publ), reg.no 556629-1786, the following resolutions were mainly adopted. For more detailed information on the content of the resolutions, please see the press release published on September 26, 2016 and the complete notice to the AGM. The notice to the AGM and complete motions on the resolutions are available at the company's website, www.immunicum.se.
Adoption of the balance sheet and income statement
The AGM adopted the company's balance sheet and income statement.
Disposition regarding the company's results
The AGM resolved that no dividend shall be paid for the financial year 2015/2016. The AGM further resolved that the company's accumulated loss shall be appropriated so that SEK 114,653,179 be settled against the share premium reserve and that the remaining SEK 137,882,043 be carried forward.
Board of Directors and Auditor
The AGM discharged the Board members and the CEO from liability for the financial year 2015/2016.
The AGM resolved that the Board of Directors shall comprise seven Board members.
The AGM re-elected Board members Agneta Edberg, Martin Lindström, Magnus Nilsson and Magnus Persson. Bengt Furberg declined re-election. The AGM resolved to elect Steven Glazer, Charlotte Edenius and Kerstin Valinder Strinnholm as new Board members. Agneta Edberg was re-elected as Chairman of the Board.
The AGM resolved to appoint the registered public accounting firm KPMG as Auditor for the period until the next Annual General Meeting. KPMG has announced that the authorized public accountant Jan Malm shall be the Auditor in Charge.
Fees to the Board of Directors and Auditor
The AGM decided that remuneration to the Board shall be a maximum of SEK 1,185,000, based on a fiscal year comprising a period of twelve months, to be distributed as follows: Chairman SEK 295,000, the other members SEK 125,000 each, a member who is chairman of the audit committee SEK 35,000, a member who is a member of the audit committee SEK 15,000, a member who is chairman of the scientific committee SEK 50,000, a member who is a member of the scientific committee SEK 25,000. No other remuneration for committee work shall be paid.
The AGM further resolved that, in addition to directors' fees, the Board as a whole can be paid a maximum of SEK 100,000 for such work that can be regarded as outside of the normal board work and that Board members may be allowed to, through his or her own company, invoice fees given that this is cost neutral for the company.
The AGM decided that remuneration to the auditor shall be paid according to approved invoices.
Authorization for the Board of Directors to decide on new share issues
The AGM resolved to authorize the Board of Directors to, on one or several occasions during the period until the next Annual General Meeting, with or without deviation from the shareholder's preferential rights, resolve on new share issues of a maximum of 5,040,000 shares. If fully utilized, the authorization entails a dilution equivalent to approximately 16.3 per cent of the company's share capital and number of votes.
Decision to change the fiscal year and to amend the Articles of Association
The AGM resolved to change the fiscal year of the company to calendar year as well as to shorten the current fiscal year to cover the period 1 July 2016 up to and including 31 December 2016.
The AGM further resolved to amend the Articles of Association so that the company's financial year shall be calendar year and that it shall no longer be possible to appoint deputy directors of the Board.
Decision on updated principles for appointing the Nomination Committee
The AGM resolved to update the principles for appointing the Nomination Committee in accordance with the Nomination Committee's proposal.
Decision on guidelines for remuneration to senior executives
The AGM resolved on guidelines for remuneration to senior executives so that the limits of variable remuneration were increased from a maximum of three ordinary monthly wages to a maximum of 35 per cent of the ordinary fixed remuneration.
For more information, please contact:
Agneta Edberg, Chairman of the Board, Immunicum
Ph: +46 (0)70 555 75 18
The company's Certified Advisor is Redeye AB
Ph: +46 (0)8 545 013 31.
About Immunicum AB (publ)
Immunicum AB (publ) develops cancer immune primers for the treatment of tumor diseases. A phase II clinical trial for the company's most advanced product - INTUVAX® against kidney cancer - has been initiated. The project portfolio contains additional clinical phase I/II studies in liver cancer and in gastrointestinal stromal tumors (GIST). Immunicum is listed on First North Premier. www.immunicum.se.
The information in this press release is disclosed pursuant to the Nasdaq First North's Rulebook. The information was released for public disclosure through the agency of the company's contact person on 26 October, 2016 at 14:00 CET.


We love technology.
We also love people.
We’re a company made up of friends, while respecting the importance of our families.
We believe in a work/life balance. We give our all at work and in life.
We operate from a set of fundamental beliefs and think our employees’ career growth is the greatest investment of all.
We value growth opportunities, including tuition reimbursement, and certification incentives.
Noesis Group is a collaborative environment where you can focus on building a career, not punching a time clock.
Medical, Dental, and Vision insurance
Supplemental insurance plans
401k with company match
Paid time off that rolls over each year
- Paid holidays
Flexible spending account
Mileage reimbursement plan


MYOB Advanced Cloud ERP Financial Management
Business management tools to run finances with the accuracy, speed and security.
Financial Management made easy in the Cloud
The MYOB Advanced Finance Management Software Solution provides a complete view of cashbook, accounts payable, accounts receivable, inventory and project modules transactions, which flow through to the financial and cash management reports leaving you free to manage your business.
Growth Friendly Licensing
MYOB Advanced is designed to take care of everything you need both now and in the future. Inventory management, streamlined sales and purchasing, accounting and more – all in a scalable platform.
MYOB Advanced will eliminate hardware costs, giving you a fully customisable platform for a convenient monthly price. Your online data is securely stored, giving you the flexibility and freedom to work the way you want.
Financial Management Features
- General Ledger
- Accounts Receivable
- Debtor Management
- Accounts Payable
- Cash Management
- Bank Feeds
- Currency Management
- Tax Management
- Deferred Revenue
- Intercompany Accounting
- Recurring Revenue Management
- Fixed Asset Management
- Mobile Applications
- Franchise Connector
Automate your processes, manage customer accounts, and track accounts receivables from anywhere, at any time. Use MYOB Advanced accounts receivable software to generate invoices and send statements, verify balances, track commissions, collect and apply payments and more. Never lose track of the important details with comprehensive integrated reporting.
Debtor management in MYOB Advanced is a key feature that allows you to easily manage and track your accounts receivable processes. With MYOB Advanced, you can set up payment terms and credit limits for your customers, automate invoice creation and payment reminders, and easily track outstanding payments. You can also view customer payment history, create ageing reports, and analyze customer payment patterns to make better decisions for your business. By streamlining your debtor management processes, MYOB Advanced helps you improve cash flow, reduce overdue payments, and optimize your financial operations.
Keep track of your accounts payable with the ability to manage supplier invoices and balances, predict cash requirements, track discounts, deliver supplier reports, and much more. Use your web browser to access reports at any time and see how accounts payable software can work for you.
Centralise your tax management information to make configuring, collecting, reporting and managing your taxes easier. You can even use this centralised information to generate your required tax filing reports.
Assign a schedule to your transactions or inventory to help improve your revenue recognition accounting in future periods; allowing you to accurately implement and account for deferred revenue and expenses.
Manage your financials and reports across related companies within your organisation - all from one centralised location. Share accounts, calendars, and non-financial data for an unlimited number of companies; and automate your inventory transfers, financial reporting, and supplier payments. MYOB Advanced gives you ultimate flexibility in your intercompany accounting.
Recurring Revenue Management
Fixed Asset Management
Include fixed assets into your reporting directly from your accounts payable purchases, imported from an existing file, or individually.
Access MYOB Advanced anywhere, at any time, with easy access via a web browser, or use the MYOB Advanced app for iOS or Android.
The Franchise Connector module supports franchise businesses structures where the
primary franchisor is using MYOB Advanced to operate their business and the franchisees
are using MYOB AccountRight or MYOB New Essentials to run their respective
businesses. It allows franchisees to seamlessly share selected General Ledger data with
the franchisor using an MYOB Advanced portal for consolidated reporting.
MYOB Advanced offers robust and customisable reporting capabilities to help businesses gain real-time insights into their performance. With a user-friendly interface, users can create and share reports across departments and teams. The software provides an extensive range of report templates, from financial statements to custom reports, and the ability to create reports with a drag-and-drop interface, all while providing the flexibility to customise reports to meet specific business needs. MYOB Advanced also enables users to schedule and automate report generation and delivery to save time and ensure timely access to crucial information. With powerful reporting capabilities, businesses can analyze data, identify trends, and make informed decisions.
Are you ready to take your business to the next level? Look no further than MYOB Advanced ERP
Our team of experts is ready to guide you through every step of the process, from initial setup to ongoing maintenance. Don't let the fear of change hold you back.
Contact us today to learn how MYOB Advanced ERP can transform your business.