What Is The Best And Cheap Health Insurance?
What is the best and cheap health insurance?
Private Placement Memorandum and OTCBB: Get More Investors Than You Can Handle, Easily
If you are trying to raise capital with a PPM or public entity like OTCBB you need to understand the mind of the investor. After the business plan sells the investor on the business concept you need to sell them on you and your executive staff. You need to stack your executive positions with professionals with a proven track record of success and possess a solid reputation in the industry. You must paint the picture for investors that your business is run by the who’s who in your industry and this pedigree is demonstrated by your education, degree, grades in college, professional organizations of which you have been and are currently a member, advisory board positions with other corporate organizations, a track record of setting up and maintaining strategic alliances, networking contacts and more.
When an investor looks at your human resource list on your PPM, business plan or public offering docs it needs to scream power, authority and confidence. Each individual that you place on your advisory board must have a massive contribution other than ‘advice’. Advisors should be able to prove their ability to assist in crucial decisions, connect your company with strategic partners and help you get to the next level.
Your legal counsel and CPA should be well known organizations with a long list of successful, well known organizations on their client roster and they should have a lot more to offer your company than just their fee based services. Again, these organizations should be able to set you up with partnerships that will help grow your business. As far as corporate awareness you must include a publicist. The publicist that you choose must be well versed in their comprehension of your industry genre.
They must be able to take your company and get you in front of the proper audience that is conducive to enhancing your growth potential. They must be able to demonstrate their knowledge of viral online marketing as well as traditional means of radio, TV and article promotion. They should be able to reach into their contact list and set you up with one interview after another targeting your specific audience.
These are just a few things to take into consideration when you jump on the fund raising trail. Every individual you have listed on your docs must be able to pass due diligence and have the appeal that reaches into the ‘comfort’ zone portion of the investor’s mind.
Go Public With Your Company, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!
How To Find All The Angel Investors And Venture Capital Financing You’ll Ever Need!
How To Find All The Angel Investors And Venture Capital Financing You’ll Ever Need! The once definitive line that would separate hard money and private/angel financing has merged into a hybrid of sorts in the past few years. As the economy has taken a dive and structured private lending firms have felt the crunch we are finding many of these lending solutions closing its doors and re-opening as privately owned and managed funding options with an interest in both lending and seed investment.
Approval decisions that were once made by a group are not being made by an individual or duo with an eye toward optimal capitalization with both short term and long term agendas. As investors are, now more than ever, trying to get as much bang out of their buck, entrepreneurs are in the precarious position of accepting funding from virtually any and every enterprise that is making an offering. That said, it is more important now than ever to swing open your mind to the possibilities of mass exposure of your opportunity to the investment world.
The best way to do this is to simply put your business in constant and automated ‘introduction’ mode so that you can be found by the moneymen. The best way to do this is to heavily investigate the venture capital industry for executives who have created offshoot programs that have deviated their process from the traditional path of simply approving or declining a transaction.
There are many VC professionals who want to capitalize off of the projects that their firm cannot accept due to underwriting criteria and industrial genre specialization so they are starting these small but well managed financial source databases where members can place their transaction directly in front of thousands upon thousands of angel investors, private investors, hard money lenders, venture capital firms, private equity firms and other alternative finance solutions.
These websites are now the hottest thing in the capital markets and will continue to grow because of the high success rate of individual executives and entrepreneurs who are able to find multiple streams of financing options with the click of a button.
Do You Need Financing For Your Business? Do You Need Angel Investors, Private Investors or Venture Capital, then visit Angel Funding Project’s site and find the best Business Funding Sources In The Industry.
Raise Capital Fast: Structures That Can Make It Happen Fast!
Regulation D, Under Sections 4(2) and 3(b) of the Securities Act of 1933, the SEC adopted Regulation D to coordinate the various limited offering exemptions and to streamline the existing requirements applicable to private offers and sales of securities. The Regulation establishes three exemptions from registration in Rules 504, 505, and 506.
Rule 504, which provides an exemption for non-reporting companies unless they are “blank check” issuers or certain “shells”, stipulates that: The sale of up to $1,000,000 of securities in a 12-month period is permitted provided that there is no general solicitation, the securities sold are restricted securities and cannot be resold except pursuant to a registration statement or exemption, and a notice must be filed with the SEC within 15 days after the first sale. Rule 504 does not provide an exemption under any state laws. In certain limited circumstances where an offering is conducted under state accredited investor exemptions, securities offered under Rule 504 may be freely transferrable. Unlike Rules 505 and 506, Rule 504 does not mandate that specified disclosure be provided to purchasers. Nonetheless, the business person should take care that sufficient information is provided to meet the full disclosure obligations which exist under the antifraud provisions of the securities laws.
Rule 505 was adopted by the SEC to provide small businesses more flexibility in raising capital than under Rule 504 – but without the uncertainty of determining the quality of the purchasers that generally is involved in using Rule 506. Rule 505 provides issuers a limited offering exemption for sales of securities totaling up to $5 million in any 12-month period.
Rule 505 contains certain restrictions regarding “accredited investors” and non-accredited persons. The-term “accredited investor” includes:
Banks, insurance companies, registered investment companies, business development companies, or small business investment companies; Certain employee benefit plans for which investment decisions are made by a bank, insurance company, or registered investment adviser; Any employee benefit plan (Within the meaning of Title I of the Employee Retirement Income Security Act) with total assets in excess of $5 million; Charitable organizations, corporations or partnerships with assets in excess of $5 million; Directors, executive officers, and general partners of the issuer; Any entity in which all the equity owners are accredited investors; Natural persons with a net worth of at least $1 million; Any natural person with an income in excess of $200,000 in each of the two most recent years or joint income with a spouse in excess of $300,000 for those years and a reasonable expectation of the same income level in the current year; and Trusts with assets of at least $5 million, not formed to acquire the securities offered, and whose purchases are directed by a sophisticated person.
If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish audited financial statements.
If an issuer other than a limited partnership cannot obtain audited financial statements without unreasonable effort or expense, only the issuer’s balance sheet (to be dated within 120 days of the start of the offering) must be audited.
Limited partnerships unable to obtain required financial statements without unreasonable effort or expense may furnish financial statements prepared on the basis of federal income tax requirements and examined and reported on by an independent public or certified accountant in accordance with generally accepted auditing standards; and The issuer must also be available to answer questions by prospective purchasers about the issuer or the offering.
Further restrictions under Rule 505 include:
The total offering price of each issue of securities may not exceed $5 million. The offering may not be made by means of general solicitation or general advertising. The issuer may sell the securities to an unlimited number of “accredited investors” and to 35 non-accredited persons. There are no requirements of “sophistication” or “wealth” for persons to whom the securities are sold. A company must take any necessary steps to ensure that the purchasers are acquiring securities for investment only, not for resale. The securities are thus “restricted” and investors must be informed that they may not be able to sell except pursuant to a registration statement or exemption from registration. The issuer is not required to file any offering materials with the Commission. Fifteen days after the first sale in the offering, the issuer must file a notice of sales on Form D. The notice also contains an undertaking under this Rule for the issuer to furnish the Commission, upon its staff s request, any information given to non-accredited purchasers in connection with the offering. Rule 505 does not provide an exemption from state securities laws.
SEC Rule 506 offers and sales of securities by an issuer that satisfy the conditions stated below are deemed transactions not involving any public offering within the meaning of Section 4(2) of the Securities Act. For an offering to be considered exempt from the registration requirements, Rule 506 stipulates: There is no ceiling on the amount of money which may be raised. No general solicitation or general advertising is permitted. The issuer may sell its securities to an unlimited number of accredited investors and 35 non accredited purchasers. Unlike Rule 505, all non-accredited purchasers (either alone or with a purchaser representative) must be sophisticated – that is, have sufficient knowledge and experience in financial and business matters to render them capable of evaluating the merits and risks of the prospective investment. The term “accredited investor” is defined under Rule 505.
If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish the same financial information as would be required by registration on Form S-1.
If the issuer cannot obtain audited financial statements without unreasonable effort or expense, then financial statements may be provided in accordance with the special treatment described under Rule 505.
The securities sold are “restricted” under the same stipulations in Rule 505.
A company is required to file a notice of the offering on Form D at SEC headquarters within 15 days after the first sale in the offering. All states except New York provide an exemption from state securities laws for offerings under Rule 506 but the company must file a copy of the Form D and pay a filing fee in each state. New York has a distinctive law which makes a Rule 506 offering within that state impractical.
Accredited Investor Exemption
The Small Business Investment Incentive Act of 1980 created a new statutory exemption from registration under the Securities Act for transactions involving offers and sales of securities by any issuer solely to one or more “accredited investors.” Under Section 4(6):
The total offering price of each issue of securities under the exemption may not exceed the limit on small offerings set by Section 3(b) the Securities Act, which currently is $5 million per issue. The offering may not be made by means of any form of advertising or public solicitation.
The term “accredited investor” is defined to include the same individuals and entities as included for purposes of Rules 505 and 506. The issuer is required to file a notice of sales on Form D with the Commission 15 days after the initial sale is made in reliance on the exemption.
Want To Go Public With Your Company, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!
Are Illegals Receiving Better Health Care That Veterans?
Illegal immigrants Get Better Health Care Then US Vets!
Illegal immigrants depressed wages in Arizona to the tune of $1. 4 billion in 2006 and dipped lower-skilled legal workers’ pay by 4. 7 percent.
That is according to a study by a Harvard University economist commissioned by the Maricopa County Attorney’s Office. The MCAO had the study done as part of its defense of the state’s new employer sanctions law.
Business and Hispanic groups have challenged that law questioning its validity and arguing it would hurt the state’s economy.
The study by Harvard economist George Borjas said hiring illegal immigrants depresses wages because they work for lower pay and sometimes are paid under the table. The study said illegal immigrants primarily impact wages and jobs held by legal workers with lower education levels. Borjas said that illegals make up 10 percent of all state workers and decrease all wages by 1. 5 percent.
Before our last election for change:
As the left proclaims that there will be a massive Latino voter turnout in 2008, more and more cities across the nation are claiming that they can’t stop voter fraud among illegal aliens.
Study: Illegals depress wages by $1. 4 billion in Arizona- Source=Phoenix Business Journal .
They cost the state about $1. 4 billion in services, this is only Arizona.
Arizona consistently has one of the nation’s highest rates of fatal hit-and-run crashes.
And some statistical evidence suggests the state’s large number of illegal immigrants is one reason.
But to many traffic safety experts and insurance industry officials, there is at least circumstantial evidence that people illegally in the country contribute to the hit-and-run problem.
The seven states with the highest rates of fatal hit-and-run crashes are also the seven states that have the most illegal immigrants, according to two think tanks. Both the Pew Hispanic Center and Center for Immigration Studies rank Arizona fifth and put its illegal immigrant population at about 500,000, or 9 percent of all state residents.
Arizona led the nation in another category that may be tied to illegal immigration: one in 12 drivers in fatal accidents had no license at all. New Mexico and Texas, two other border states, ranked second and third in that measure.
Arizona’s high rates of unlicensed drivers and hit-and-run crashes are “joined at the hip,” said Dave Willis, a senior research scientist at the Texas Transportation Institute who has studied traffic safety issues for 30 years.
Gustavo Soto, a supervisory agent with the Border Patrol’s Tucson Sector, said smugglers of illegal immigrants or illegal drugs often are involved in fatal hit-and-runs in this part of the state. “They’re driving reckless, and they’re driving in shoddy vehicles,” Soto said.
Ahr said smugglers and illegal immigrants often leave the scene of a wreck to avoid being deported. Many of the vehicles used to transport illegal immigrants are stolen or rented, he added. If the government can turn its back on health care for military veterans, as it announced it would last week, then cutting off illegal aliens shouldn’t be too tough.
“All veterans and their families are painfully aware of the uphill struggle to obtain medical services at Veteran’s Affairs hospitals and clinics. We have to provide a ream of personal, financial, and military documentation just to get “in” the system. Once the information is validated then we are informed what our “share” of the medical expenses will be. If we submit the information in March, and we lose our job in April, we have to wait a full year for the VA to reassess our co-payment. With past funding cuts it is not unusual for a veteran to have to travel across several counties to reach a VA medical center.
Meanwhile, the illegal simply presents himself to the nearest hospital for a complete smorgasbord of free medical services. This “squatter” enjoys all of the freedoms that the veteran has fought for, with none of the pain, suffering, or expenses associated with them…
The Florida Hospital Association surveyed 28 hospitals and found that health care for illegal aliens totaled at least $40 million in 2002! So you can see this problem is nation wide!
Illegal immigrants may not know much about medical care. But one thing they do know: they get a better deal in the U. S. than they do in Mexico.
Illegal aliens have cost billions of taxpayer-funded dollars for medical services. Dozens of hospitals in Texas, New Mexico Arizona, and California, have been forced to close or face bankruptcy because of federally-mandated programs requiring free emergency room services to illegal aliens. Taxpayers pay half-a-billion dollars per year incarcerating illegal alien criminals. Immigration is a net drain on the economy; corporate interests reap the benefits of cheap labor, while taxpayers pay the infrastructural cost. Research shows “the net annual cost of immigration has been estimated at between
What Is The Cheapest Term Life Insurance And What Do You Have To Go Thru In Order To Get It? ?
What is the cheapest term life insurance and what do you have to go thru in order to get it? ?
Won’t Cheap Government Health Insurance Put Free Market Insurance Companies Out Of Business?
I mean. . . if someone is offering cheaper health insurance than what you have, won’t you be more inclined to switch? yeah Obama says you can keep what you have, but why would you if you can save money?
Phoenix Auto Insurance?
Where can I get auto insurance in Phoenix? What do you recommend? I bought a car recently and I’d like to find a cheap way to insure it.
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