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Who regulates securities? Each state regulates investments offered to its citizens. The federal government, through the Securities & Exchange Commission (SEC), regulates offerings across state lines. This means that you'll have to look at the laws and regulations in your state when you're only working with private lenders in your state. If you're working with folks across state lines, you'll need to comply with the laws in each state you're working in and comply with the SEC's rules too. What about advertising? It's important to understand that each state sets its rules for advertising investment opportunities, which includes private lending. Every state has opportunities for you to advertise to bring in private lenders. There are strict regulations on this and you need to comply with the states rules.What about advertising across state lines? You would use a state exemption that allows you to advertise and only advertise to accredited investors. Accredited investors are defined elsewhere in this package of information. As a reminder, the Securities Act of 1933 has several definitions of accredited investors. The most important for your business are likely to be these two: 1.A natural person who has individual net worth, or joint net worth with the person's spouse, that exceeds $1 million at the time of the purchase; 2.A natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year. So what sort of disclosure should I give my private lenders? When you are reaching out to private lenders, whether it's just one or a large group, it's very important that you disclose the risks and benefits of the private lending opportunity you're offering them. There are several reasons you should do this. Some are for the benefit of your private lenders, who will want to know what your business is and how they can make money lending to you. Securities laws work to protect private lenders, so you must disclose to them what the potential downsides are. These might include how long it will take to sell a property; mortgage rate changes, housing market pricing fluctuations, or the cost of rehabbing a property. There are others you'll want to mention. Disclosure documents will also help you protect yourself and business against possible claims that you didn't describe the business properly. A strong disclosure document will help you protect your reputation and protect you against frivolous litigation. It will also help you comply with securities laws and regulations and, should you get a question from a regulator, help you demonstrate to them you are working to be in compliance. Commissions- Can I pay them? The bottom line on paying commissions is: don't. Unless you are using a proper registration or exemption and using a licensed or registered broker/dealer, almost every state prohibits paying commissions for the sale of securities. Now, in Ohio, it is possible to pay someone to help you get potential private lenders to a luncheon, but only if you pay him or her whether or not these folks end up lending you money. That means that you can't pay them based on their success rate or anything that connects their compensation to getting private lenders. Other states won't even let you do that unless the people you're compensating are registered or licensed broker/dealers. Public Offerings- What does that mean? It's easiest to explain what it means by explaining what a public offering isn't. Generally, any offering that is not exempt under the private offering exemption of the securities act of 1933 (Regulation D) is a public offering. This means that if you aren't using an exempt offering, as we talk about in the course materials, then you are getting involved in a public offering. Each and every state has its own definition of exempt offerings and these aren't considered to be public offerings. Exempt offerings are what open the door for you to run your real estate investing business successfully and in compliance. In Summary, remember securities laws and regulations offer you many opportunities to do your real estate investing business and stay in compliance. Yes, there's going to be some paperwork that goes with these laws and regulations. It's just part of doing business, and that's what Alan's course is all about, helping you get into business and do it the right way and successfully.
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Sports & Recreation | By: Setlock Boshes (12/17/12) 1. Go to Downtown Disney.It price nothing at all to check out Downtown Disney. There are many fun outlets to stroll by way of and lots of folks viewing oportunities. (In the event you check out during the day PLEASE take a hat. I think Downtown Disney has it's own micro climate - it typically looks degrees hotter than the rest of Orlando.) Never miss the snoozing man created from lego or the fabtastc magnets at Magnetron Magnetz. Cease Frank Gore Jersey in the Art of Disney store - They run a trivia quiz every single day and give out prizes in the event you get them all appropriate!2. View the Magic Kingdom Fireworksfrom the seaside of the Grand Floridian or Polynesian. You are able to park with the resorts for a short time free of charge. Inform the guard you are going to the hotel coffee store. 3. Take a free tour of Wilderness Lodge Examine with guest providers for times and facts. There is also a concealed Mickey hunt (checklist accessible from guest companies) 4. Watch the Electrical Water PageantIt takes location Frank Gore Jersey every single night on Seven Seas Lagoon and Bay Lake - occasions differ. A lengthy line of barges are transformed right into a magical light display. It's quick - just a couple of minutes extended but is one of the overlooked treasures of Walt Disney Planet. It may be observed from the beaches in the Grand Floridian and Polynesian as well as the Fort Wilderness Marina and Seaside5. Nature Trails at Fort Wilderness There are numerous miles of trails at Fort Wilderness, via pine and cypress woods. All totally free. You are able to hire bikes but to stroll charges nothing 6. Visit The BoardwalkVery best in the evening. Just stroll and take in the atmosphere. There's generally plenty of "street entertainment" 7. Check out the The petting farm at Fort Wilderness. The petting farm is open 7 am to dusk a. There is cost-free day parking at Ft. Wilderness.8.Take the free of charge garden tour at the Yacht & Beach Club Resort.Call guest providers for times 9.Take the totally free lobby tour at Animal Kingdom Lodge. ten Campfire sing-song and a movie.Each and every evening a campfire is held at Fort Wilderness (it is totally free to WDW Resort Guests) near the Meadow Trading Post. Take your very own marshmallows to toast. The campfire is followed by a Disney cartoon feature shown on a large outdoor screen.--- I know I said ten Free of charge Alex Smith Jersey factors but I have included 1 more because #10 is only cost-free to guests staying at a Disney Globe Hotel! 11 Take a boat ride.from Dixie Landings to Downtown Disney - it really is especially nice at night. Take a stroll round Downtown Disney and catch the boat back to your car at Dixie Landings.
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The truth about fallacies of many car owners believing that the insurance premium coverage for their new car is covered, and maybe the truth just might make you change course.(1) "No-fault insurance means, is it not my fault?" That means that your insurance company pays for your damages regardless of who's at fault. No they don’t!(2) "Can the color of my car affect my insurance rate?" No!What do influence your rate are your vehicle's year, make, model, body type, engine size, credit history and driving record.(3)"If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the damages…right?" Wrong!Your car is your responsibility! And guess what, even though you weren't present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.(4) "Is my insurance rate is set by the government?" No!The government has nothing to do with your car insurance rate. Where you live, your credit score, marital status and your driving record is what actually affects your premium.(5) "I recently paid my insurance premium. Is my new car I just purchased is covered?"Not necessarily. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.(6) "Is it a fact that male driver under the age of 25 pay more for auto insurance?" Yes! Male driver under 25 years old can potentially pay more for car insurance than female drivers. However, across the board, teenagers and mature adults pay more for auto insurance, due in large part because these age groups are typically involved in more automobile accidents.(7) "Can my credit score have any affect on my insurance rate?" Your credit score really does matter! Many Insurance companies take your credit score into consideration when deciding to increase or renew your auto insurance coverage.(8) "Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?" Many drivers believe that if they only purchase collision insurance, which covers accidents involving objects, that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply is not true. You need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all of these situations.(9) "Can my personal auto insurance cover both my personal and business use of my car?"If you occasionally use your personal car for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use as well. Plus, if your employees use their car while working for you, you will want to also obtain a separate non-owned car insurance policy.(10) "I've never had nor been involved in a car accident, do I still need automobile insurance?" Yes!Some drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is great. Car insurance is the best protection you can have in the event an automobile accident occurs. It's also a legal issue - you are required, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.
Back in during the 1970s, dental patients first benefited from the movement towards “cosmetic dentistry.” At that time cosmetic dentistry consisted primarily of advice. Patients who wanted whiter teeth were advised to try using Pearl Drops toothpaste. Today a patient who wants tooth whitening can easily access lots of information on that topic. A number of different web sites sell teeth whitening products. Quite a few web sites have information on teeth whitening procedures that need to be done in a dentist’s office. After a short time at the computer, almost anyone can learn how to whiten teeth. A web surfer with yellow teeth would definitely feel compelled to try one of the available techniques. He or she would probably not realize just how rapidly changes have ushered in growing numbers of teeth whitening advancements.The introduction of Zoom whitening handed dentists the first real major advance in the area of teeth whitening. Using Zoom whitening, a patient could have his or her teeth whitened in just over an hour. Of course, certain problems with the Zoom whitening procedure led to modification of that procedure. Those modifications expanded the number of existing teeth whitening techniques. Some dental patients complained about gum problems, after undergoing Zoom whitening. The strong formula used initially proved to be too powerful. Patients had to sit for more than an hour, while that powerful formula worked its wonders on their teeth (and in the process damaged sensitive gums). Eventually scientists developed an alternative formula. The alternative formula whitened teeth as well as the original formula, but it did not harm the gums. The alternative formula worked more rapidly, so that gums and teeth had a shorter exposure to the new whitening product. Another complaint made by patients who underwent Zoom whitening concerned the ultra violet light used during the whitening procedure. Patients with sensitive skin developed sunburn, just from sitting under that light. Some of those patients had sensitive skin, because they were taking prescribed medication. The water pills used to control blood pressure could make a patient’s skin extra sensitive to ultra-violet light. At the same time, patients who used skin care products with Retin-A also exhibited an enhanced sensitivity to ultra-violet light. The technique of teeth whitening needed to find a way around this problem of skin sensitivity. The solution to the problem came in the form of a laser light. The laser light could be focused on the teeth. It had no effect on the skin cells of the patient. Patients with sensitive skin thus had access to a new type of whitening.Dentists also gained access to new types of monitors. They could monitor the sensitivity of a patient’s gums. Dentists could then better judge which tooth whitening procedure would best meet the needs of a particular patient. Advancements in teeth whitening thus led to the introduction of alternative whitening methods. Those alternative methods proved more satisfactory for patients who had sensitive gums or sensitive skin. Yet at that point all teeth whitening techniques used some type of bleaching. Bleaching could not give every dental patient a set of whiter teeth. Some patients had crowns, veneers or older fillings that had become stained. Bleaching only worked on tooth enamel. Crowns, veneers and older fillings had no enamel. They did not respond to bleaching.Again scientists went to work. Again they developed alternative whitening formulas. Scientists found other chemicals that could act on the typical tooth stain. They created formulas that contained those chemicals. Today even dental fixtures that lack enamel can be freed of unsightly stains; they can also be made whiter.
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