DRC Company Blog

Private Placement Memoranda (PPM)

websitebuilder@1and1.de — Tue, 01 Oct 2019 16:01:48 GMT

Alternative Funding Source

Private Placement Memoranda Business plans do not provide information about the technical structure of an offering. The structure of an offering allows you to raise debt financing from a number of investors instead of trying to find one with the entire amount of capital you require.

The PPM sets forth critical information such as: the purchase price per note, how many notes are being sold to investors, maturity date, rate of return, etc. These are crucial items that must be presented to a potential investor in proper form or they will not invest.

• A Subscription Agreement for purchasing the notes. Don't expect investors to give you capital based on a handshake. Would you invest funds into a company without signing a document that sets forth the terms and conditions of the loan? The Subscription Agreement sets forth these terms and conditions - this is the document the investor signs and gives you with their investment check. You will have a very hard time raising debt capital without this basic document. Another example would be the

• Promissory Note Agreement the note is the actual loan agreement between the investor and the company. You can't have a business loan without a loan agreement.

IYT - Improve Your Tomorrow

websitebuilder@1and1.de — Sat, 28 Sep 2019 01:09:36 GMT

Improve Your Tomorrow

Private Placement Memoranda of Companies

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:49:23 GMT

Offering Types - Debt or Equity

An equity offering is where the subject company sells an ownership stake in the company to investors. Equity is usually preferred by early stage companies that need flexibility regarding capitalization. In an equity situation investors profit as the company profits since they are partial owners.

This provides the advantage of not having a debt service payment draining revenue from the company in its early stages of growth. Most companies sell 10-30% of their company for a first round funding - obviously there are exceptions but this is the average. We recommend using either a "C" Corporation (where you would sell stock to investors) or a Limited Liability Corporation LLC (where you sell a membership unit to investors).

Investors typically profit in two ways from an equity deal; via their proportionate "per share" percentage of company profit (called a dividend) and via the final sale of the security through an exit strategy (example: the company buying the securities back from the investors, the company and its issued and outstanding securities being bought out by another company, going public and selling on the open market, etc.)

A debt offering functions much like a private business loan where, the company sells a promissory note to investors. The note sets forth the terms and conditions of the loan arrangement between the company and the investor. Thus a note would provide a certain interest rate typically paid annually to investors with a maturity date that dictates when the principal is paid back in full to investors.

The notes are sold in fractional amounts providing flexibility for accommodating investors - thus a typical debt offering for $100,000 would be the sale of 20 notes at $5,000 per note. An investor investing $10,000 would get two notes. If the interest rate was 12% then he would get $1,200 paid to him annually based on the $10,000 investment.

If the maturity date was 36 months then at the end of the 36 months the company would pay back the $10,000 to the investor. Many early stage companies that lack the required equity or operating history for conventional bank financing will use private debt from investors for a short period of time (12-36 months) to establish a credit and operating history.

They then have the capability to take out the private debt loan from the investors with a standard bank business loan at a lower interest rate.

Wall Street Journal Updated

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:47:17 GMT

Wall Street Journal Updated

Changes to Small Business Administration lending requirements intended to channel more credit to African-American borrowers and other minorities will be announced Tuesday, according to the paper. "Beginning July 1, lenders will no longer have to perform an analysis of cash flow or debt-service coverage on loans of $350,000 or less, provided business owners meet the agency's credit standards," the Journal reports.

SBA administrator Maria Contreras-Sweet said the changes "will simplify and streamline the lending process, which will incentivize banks to do more small-dollar loans in order to get more loans into the hands of traditionally underserved entrepreneurs." The Securities and Exchange Commission has launched probes into a number of major "dark pools" — private electronic trading platforms that allow investors to anonymously buy and sell orders.

"Investigators are exploring whether the trading systems are properly disclosing to clients how they operate, treating all investors fairly and protecting confidential client information, among other concerns," according to anonymice. The housing market will continue to be hobbled by the precarious financial circumstances of Americans in their 20s and early 30s, according to John Carney and Justin Lahart.

"Banks will see tepid demand for mortgages" as younger Americans struggle with student loan debt, limited job opportunities and sluggish income growth, the authors write. They predict President Obama's decision to expand student loan debt relief will make only a modest dent in the problem.

"Better help would come from a drastic recovery in employment and incomes that would allow them to put their costly educations to work," Carney and Lahart write.

Banking bad debts

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:41:42 GMT

Banks bad debts

Citigroup C -2.92% and Bank of America BAC -4.24% are seen by many as the weak links in the big-bank chain. Their fourth-quarter results did little to dispel the notion. Both were saddled with charges related to legal and mortgage costs that ate into net profit, underscoring that they remain works in progress.

Until these two can show consistent profitability, and less noisy quarters, their valuations are likely to remain below tangible book value. That is in contrast to rivals J.P. Morgan JPM -0.81% Chase and Wells Fargo, WFC -0.17% which trade at a premium to this measure of net worth. Even after stripping out changes in the value of its own debt and restructuring charges, Citi missed earnings estimates: Adjusted for these items, they came in at 69 cents a share for the quarter versus expectations of 96 cents. Investors were also worried by higher-than-expected legal expenses that seemed to foreshadow some sort of looming action.

At BofA, earnings of three cents a share were a penny ahead of estimates, but only modestly positive following its announcement a week earlier of a big settlement with Fannie Mae FNMA +2.57% over mortgages. And despite taking $3.8 billion in charges related to that deal and the national foreclosure-review settlement, BofA also took an additional $900 million in legal expense. Efforts by both Citi and BofA to deal with legacy issues led to woeful returns.

Citi's return on equity for 2012 was just 4.1%. At BofA, it was 1.27%. J.P. Morgan and Wells made 13% and 11%, respectively. New Citi chief Michael Corbat, presenting his first set of results, said the bank was "not satisfied with these bottom-line earnings." But he also signaled it will take time to make progress. While declining as yet to set specific performance targets, Mr. Corbat walked back one set by his predecessor, Vikram Pandit.

That was for a return on assets in Citi's core businesses of 1.25% to 1.5%. Mr. Corbat said this wasn't "practical" in the short term, adding "we'll be resetting that," without specifying when or by how much. For 2012, Citi's return on assets for its core businesses was 0.82%; for the bank as a whole, it was about 0.4% The good news is that both BofA and Citi are making progress on expense reduction. And the issues facing them center in large part on their earnings potential.

Their balance sheets, once the main worry for investors, continue to show improvement. BofA said its Tier 1 common ratio estimated under new Basel III rules rose to about 9.25%, compared with just below 9% the previous quarter. Citi said its ratio rose slightly from the prior quarter to 8.7%.

Both banks also managed to buck the trend of falling net interest margins seen elsewhere. Generally, these margins—the difference between what banks make borrowing and lending money—have fallen in the face of superlow interest rates. Part of the reason Citi and BofA were able to increase their margins slightly is that both have aggressively cut the amount of long-term debt they have outstanding. This reduces their funding costs.

Meanwhile, one contributing factor to Citi's miss, a release of loan-loss reserves of just $100 million, compared with $900 million the previous quarter, shows the bank is maintaining a conservative outlook on housing. That is a positive. Still, as the paltry returns show, both banks are coming up short.

So the goal, as Mr. Corbat said, is quite clear: "We have to get to a point where we stop destroying our shareholders' capital." That such an obvious point has to be stated shows how much more work the banks need to do.

Prepare Businesses for Bank Funding

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:39:20 GMT

Bank Finance

DRC has relationship with Local Community and Business Banks /Finance Related Services: • Determining Appropriate Finance • Determining Appropriate Financing Source • Loan Structuring All data is supplied and supported by Daniel, Russell & Charles Co. and made available to our clients to enhance their long term business goals.

Daniel, Russell & Charles Co. believe a small business can be difficult, if not impossible to operate, when conditions in the business or the marketplace are not handled properly by its owner and/or management. If key rules and procedures, that initiate a process to operate and control the day to day activities of the business, have not been established;

DRC can provide the following as a basis for operating the business in a manner in which you have envisioned and planned.

• Establish a basic operating philosophy. It is essential for business owners, and entrepreneurs to conduct his/her day-to-day business affairs, from an internal as well as an external perspective; with personnel, customers, vendors, bankers, investors, etc.

• Spell out the mission of the company. A mission statement that reveals the objective and general goals in relation to the production and delivery of its products or services to its customers.

• Know and religiously practice the objectives of the company. A purpose that an owner or entrepreneur has established as an external event, quite independent of that which might be considered emotional or imaginative in nature.

• Frame the policies and procedures around the company's mission. A beneficial structure involves an owner or entrepreneur that is established as being the best possible means to manage and to operate the business.

• An overview of the owner or entrepreneur to fully integrate its basic operating philosophy, mission, and objective into workable policies and procedures is necessary, to be legitimately followed by members of a company on a consistent basis.

Reach & Development Funds are need for Expansion

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:36:28 GMT

PRIVATE CAPITAL MANAGEMENT FUNDING

Investing private equity / venture capital /private placement memorandum Daniel, Russell & Charles Co., is a leading private growth equity investor. We have one of the longest records (17 years) in private capital investing, transitioning through three major long-term investment cycles.

We have invested over $150 million across multiple highly diversified funds and partner with created over $400,000 million in fund liquidations. We have over $10 million in active portfolio investments. Daniel, Russell & Charles Co., invests mainly in the United States with a focus on our three sectors of expertise: outsourced services, information technology, green projects bio fuel, biomass, renewable energy and healthcare businesses.

We invest for expansion and growth in small and mid-size companies with established business models, high internal growth rates, and large-market leadership potential. With deep portfolio company involvement we help companies achieve highly profitable leadership positions in large markets. Daniel, Russell & Charles Co., is typically the lead (or sole) outside investor and invests up to $25 million. Daniel, Russell & Charles Co., works closely with its portfolio companies in many areas including:

• Strategy

• Recruitment

• Sales and marketing

• Corporate development

A unique approach is key to success as we build and maintain broad, deep, long-term domain expertise through a research and investment focus that encompasses both the private and public companies in our sectors of expertise. Relative to traditional approaches, this approach enables Daniel, Russell & Charles Co., to add unique value as an investor through:

• Superior understanding of our industries, for assistance with strategic planning

• Broader and deeper networks of industry contacts, for assistance with recruitment, marketing, and selling

• Better understanding of the institutional investor community, for subsequent financings

• A longer-term perspective on company development—well beyond the PPM.

Public-Private Fund Aims at Health Care, Housing Space

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:31:14 GMT

Health Care Housing Space

Hoping to bridge the gap between low-income residents and health-care services, a $100 million fund will be unveiled this week to build community centers near affordable housing as demand for primary-care services is expected to rise. Supporters say it is a new kind of public-private partnership boosted by the philanthropic sector that was inspired by the 2010 Affordable Care Act, which could expand Medicaid coverage by up to 16 million additional people.

The act includes about $10 billion for the creation of new, federally qualified health centers. The fund's backers say the financial need is greater still. Increased insurance coverage doesn't necessarily mean that newly covered consumers will be able to see a doctor in a timely way, according to health-care economists. So the backers of the fund hope to increase the odds by building federally qualified health centers that administer to the poor alongside new and existing affordable housing.

Today, the nation has more than 8,000 such centers that have added millions of new patients since 2009, according to the White House. "The idea that we're going to need a lot more primary care is a foregone conclusion. We already have a shortage," said Stuart Altman, professor of national health policy at Brandeis University in Waltham, Mass., who studied the effectiveness of health centers for the Institute of Medicine.

"This idea makes a lot of sense to me because we want to move people out of emergency rooms and into these centers for treatment." The new fund, called Healthy Futures, is backed by Morgan Stanley, MS. The Kresge Foundation and Local Initiatives Support Corporation, a nonprofit that controls tax credits for services to the poor.

The fund will rely on $87 million in loans from Morgan Stanley in exchange for tax credits to build 500 new affordable housing units and eight new health centers serving 75,000 people. Kresge will back some of the debt incurred and award an additional $2.4 million in grants. The projects backed by the fund are expected to create 2,200 jobs in some of the nation's hardest-hit communities.

Audrey Choi, Morgan Stanley's head of global sustainable finance, said the new fund comes on the heels of the financial services company's other recent initiatives to create a $50 million fund to link affordable housing to transit system and a $100 million fund to boost the number of fresh-food providers in underserved areas in California and elsewhere.

"It demonstrates the kind of leverage and innovation that can be brought to bear against large-scale social needs when the resources of the public, private and philanthropic sectors are creatively joined," said Rip Rapson, Kresge's president.

The fund relies on the sale of two federal tax-credit programs, including the New Market Tax Credits created in 2000 as a way to continue the flow of billions in capital to credit-starved businesses in some of the nation's most distressed urban and rural communities. Congress earlier this month extended the credit program for the next two years at $3.5 billion in annual credit authority.

In some ways, the idea of placing health centers in underserved areas is not new, said Jennifer Tolbert, director of state health reform at the The Henry J. Kaiser Family Foundation in Washington. "But idea of bringing together private capital and support from foundations is good way to boost the numbers of health centers and increase access to health care," Ms. Tolbert said. "Just providing insurance is not enough.

Global Capital

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:28:42 GMT

Global Expansion

Companies ready for global expansion have a wide range of needs and choices in accessing capital. Here are some ideas for how to raise cash depending on your company’s size and operations:

• A company with one or more international operating subsidiaries— each with an estimated borrowing need of $10 million or more—may use its international operating subsidiaries as borrowers along with its U.S. parent company. By doing so, it will increase the potential to borrow as it maximizes efficiency and liquidity.

• A company that has multiple international operating subsidiaries in different countries may find that, individually, these entities are too small. But together, they can create a reasonable borrowing need to source the working capital necessary to get started.

• A parent company that has small (but growing) international businesses in various operating subsidiaries—or, in a number of countries, each with a negligible amount of assets—may be able to fold those operating subsidiaries and their assets into the parent company’s credit facility, once a critical mass has been reached.

• A company that currently has no foreign subsidiaries but has plans to grow internationally may preprogram a credit facility for the addition of international subsidiaries as borrowers in designated jurisdictions.

Sales Process

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:19:33 GMT

The Sales Process

The owner or entrepreneur of a small business must realize that the sales process is an integral part of the marketing concept and a key element of a company's revenue producing capabilities.

Without sales, there would be no company or the need to consider establishing one in the first place. Determining whether a transaction is a sale of goods or whether it falls under another category is imperative due to legislative restrictions or requirements, such as taxes.

Promotion strives to increase the demand of a product, thus minimizing the importance of the product's price in customer decision making. The following elements are essential when considering the mix of promotion strategies.

Retail sales of products or services are generally made without written contracts except, in special cases, where there are implicit contracts between the parties to the transaction. Otherwise, most manufacturing, retailing, wholesaling, distributing, franchising, real estate construction sales, etc. must be based on written contractual obligations, which are enforceable under the law of the Uniformed Commercial Code in California and throughout the United States.

The sales process must be considered fully since it is not just the act of selling alone, but generally also includes the following peripheral component parts:

Advertising

Personalized Selling

Sales Promotion Events

Public Relations

As previously reviewed during the "Marketing Process" chapter, promotion represents information that serves a legally marketed product or service. Promotion has three objectives in mind:

Inform

Persuade

Remind

REVOLVING CREDIT LINE FACILITY FOR CONSTRUCTION AND RELATED INDUSTRY COMPANIES

websitebuilder@1and1.de — Thu, 19 Sep 2019 02:09:12 GMT

What is Contract Financing?

The contract financing program is a nationwide, progressive, billing financing sector for small and middle-sized construction companies and related industry contractors.

This revolving credit line is provided by an embedded facility known as the Contract Financing Facility. Contract Financing is not factoring; this is not a purchase of your invoices at a discount. Instead, we use the account's receivables as collateral.

Additionally, we do not engage general Contractors or Project Owners as in the case of factoring. We would rather consider ourselves your investment partner as opposed to the managing entity's. The Contract Financing Facility can be used for Public and privately owned projects.

Contract Financing can be used on bonded and Non-Bonded Projects. Contract Financing supports Sub-Contractors and General Contractors. Contract Financing is underwritten in two phases; financially and technically. Technical underwriting for projects and project owners is done by a third party Engineering company.

The difference between demographic shifts within a particular country

websitebuilder@1and1.de — Mon, 16 Sep 2019 18:05:22 GMT

Money watch

Economists have long studied demographics to identify trends, such as, population shifts, and changes in spending or savings rates that help predict substantial upheaval in the international economic order.

Some investors leverage economists' findings on demographics as a basis of their investment strategies; sometimes mistakenly assuming that picking a fast-growing national economy is similar to choosing a stock on the rise.

The difference is that while demographic shifts within a particular country – rapid population growth in India or rising education levels in Brazil, for example – can signal that the country's economy is poised for a surge relative to peer nations, using demographic projections to form the basis for investment strategies can be risky.

Even when predictions based on demographic trends turn into economic realities, they can frustrate investors. For example, during the last 20 years, indexed stock market returns in Latin America have outpaced those in Asia, even though Asia's national economies grew more rapidly.

Should individual investors incorporate demographic forecasts into their investment strategies? The bottom line is this: Demographic analysis must be combined with an assessment of economic policy and politics in order to help guide investment decisions.

Corporations should be aware of the leading indicators on retirement plans

websitebuilder@1and1.de — Mon, 16 Sep 2019 18:01:06 GMT

Data-mining tools designed to promote successful outcomes, improve plan metrics and reduce your administrative workload

Data-mining tools designed to promote successful outcomes, improve plan metrics and reduce your administrative workload.

Corporate Retirement Plans As a leading advocate for a healthy and more secure retirement, we are focused on solutions that help improve retirement outcomes for your employees. As a result, more plan sponsors currently Cambridge Retirement plans with their defined contribution retirement plans than any provider in our industry.

We are extremely proud of our leadership position because, it validates our dedication to delivering the solutions and services that matter most to you. Our years of experience successfully designing and administering retirement plans have helped Cambridge Retirement plans advance among the leaders of our industry.

As the retirement industry continues to evolve and become more complex, joining forces with a global leaders can help provide you with the stability needed to maintain a successful retirement plan. With Cambridge Retirement plans as your provider, you can expect

Updates on IRA's and 401K

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:56:36 GMT

10's of Thousands Retirees Professionals are not aware of changes that effect their IRA's & 401K

Keeping track of your finances in retirement can be a job in itself and managing your investments is only a small part of it. Staying on top of basic tasks is tough, and if tax rules, technology, Medicare, Social Security, and the markets keep changing, it will only get tougher.

You can't do much about government policy or macroeconomics, but you can simplify your financial infrastructure by consolidating accounts, reducing the amount of plastic in your wallet, and organizing your documents and storage devices.

The following steps will make it easier for you to manage financial tasks, saving you both time and money:

Consolidate your retirement accounts:

It is common for people to have five or more investment accounts, such as a 401(k), a profit-sharing plan or two, a pension they rolled into an individual retirement account, a deductible IRA, a Roth IRA, an inherited IRA, and perhaps even a lonely Keogh from a freelance stint in the 1980s.

You should consider rolling accounts that have the same tax-deferred treatment—pension rollovers, 401(k)s, regular IRAs, profit-sharing plans and Keoghs—into a single giant IRA.

Consolidating your accounts will make it easier to monitor returns, rebalance your portfolio, diversify your assets, and take required distributions. Another plus: It will be easier to update your address, email, bank routing numbers, and beneficiaries.

Good Entities Management

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:53:36 GMT

A Primary Strategy for Reducing Corporate Business Compliance Risk

In an informal survey, most corporate secretaries admit that they can spend only about 15% of their day on entity management and business compliance.

However, improperly managed corporate compliance can expose businesses to high levels of risk that are disproportionate to this level of effort.

With the typical corporate secretary and corporate counsel's responsibilities continuing to increase in number and complexity, it is unlikely that they will be able to address this imbalance simply by dedicating more time to entity management.

Instead, corporate secretaries and corporate counsels can minimize the risks and increase their efficiency around entity management by applying corporate business compliance best practices.

This white paper provides insights on the following topics:

A New Higher Risk Environment for Entity Compliance
The Consequences of Improperly Managed Corporate Compliance
New Trends and Benchmarks in Corporate Business Compliance
Best Practices for Entity Management

The Truth about Estate Planning

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:43:52 GMT

Succession & Estate Planning Needed if the Estate Tax Exemption is $5 Million

Estate planning involves far more than just avoiding estate taxes. Estate planning is needed while you are alive, not just upon death. It is needed for the young, the elderly, single, and married individuals.

Estate planning allows people, while they are still living, to ensure that their property will be given to the people and charities they want, in the way they want, and when they want. It permits them to save as much as possible on taxes, court costs, and attorneys' fees. It also affords the comfort that their loved ones can mourn their loss without being simultaneously burdened with unnecessary red tape and financial confusion.

An estate plan also allows people to decide who will make medical decisions for them when they are unable to do so and who will handle their finanicial affairs when they are incapacitated. Estate planning allows people, rather than a court, to select who will be the guardian for minor children, the executor of their estate, and the trustee of trusts set up for loved ones.

Postponing the planning may be detrimental. If incapacity or death occurs before a plan is established, the result could be that intended beneficiaries - the ones most loved - may not receive what the decedent wanted them to receive whether due to extra administration costs, unnecessary taxes, intestate succession rules or squabbling among the heirs.

In addition, the estate tax exemption amount is determined by Congress. The current exemption amount is in place through the end of 2012 and can change. No one knows what it will be until Congress passes new legislation. Solid planning provides for flexibility in the event that the law changes and the exemption amount is lowered.

Investors who purchase equity in business ventures can create larger estates

Relative to traditional approaches, this approach enables Daniel, Russell & Charles Co., to add unique value as an investor through:

Superior understanding of our industries for assistance with strategic planning

Broader and deeper networks of industry contacts for assistance with recruitment, marketing, and selling

Better understanding of the institutional investor community for subsequent financings

A longer-term perspective on company development well beyond the PPM.

Corporate Retirement Tango

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:41:39 GMT

Corporations should be aware of the leading indicators on retirement plans

Corporate Retirement Plans are a leading advocates for a healthy and more secure retirement. We focus on solutions that help improve retirement outcomes for your employees.

As a result, more plan sponsors are currently funding Cambridge Retirement Plans, with their defined contribution retirement plans, than any provider in our industry. We are extremely proud of our leadership position because, it validates our dedication to delivering the solutions and services that matter most to you.

Our years of experience successfully designing and administering retirement plans have helped Cambridge Retirement Plans advance among the leaders of our industry. As the retirement industry continues to evolve and become more complex, joining forces with a global leader can help provide you with the stability needed to maintain a successful retirement plan. With Cambridge Retirement Plans as your provider, you can expect:

Data-mining tools designed to promote successful outcomes, improvement in plan metrics, and a reduction in your administrative workload.

Financial therapists with clients

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:39:02 GMT

Handle with Care

Another issue: selling off a family business before capital-gains taxes rise next year.

The top tax rate on long-term gains, currently 15%, is scheduled to increase to 20% unless Congress acts—and because of the new 3.8% tax on net investment income for high earners, the total capital-gains-tax hit could rise to 23.8%. By discussing these estate planning issues with a third party, financial therapists can reduce the stress in the process of planning.

"Others fret that they're being forced to make decisions about their estate before they're ready.", says Arne Boudewyn, a managing director of family dynamics and education at Abbot Downing in San Francisco.

Abbot Downing's clients typically have at least $50 million in investible assets or a net worth of at least $100 million. Mr. Boudewyn says he has counseled families that feel they might "lose some control after they sign the dotted line."

Estate Planning techniques

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:34:36 GMT

DRC Can Assist You in Developing a Plan

Through DRC's dedicated financial planning specialists, the company is able to help its clients create a personalized financial outline of a comprehensive plan. By utilizing the strengths of DRC's Comprehensive Planning along with that of a Certified Estate Planner, DRC can help the client develop a financial plan that is geared towards the client's specific goals.

Funding Your Retirement

When clients provide DRC with basic, confidential questionnaire information, such as his/her projected retirement age or his/her lifestyle goals and their tolerance for risk, DRC can create an analysis for the client that covers key areas of planning.

The personalized report generated will include the following analyses:

Projection of the growth of liquid assets and savings between now and retirement.

Illustration of how well the client projected retirement. (Assets will provide desired retirements income based on expected retirement age.)

Retirement income goals and anticipated sources of income at retirement.

Discussion of distribution options including Required Minimum Distribution, IRA rollover, and early distributions.

Comprehensive Fiduciary Solutions: Fiduciary support is given to help you understand your fiduciary responsibilities and navigate today's ever-changing regulatory, landscape customized employee solutions. Fiduciary solutions include personalized communications and behavior-changing tools to help educate, guide and motivate your participants to take full advantage of plan benefits and dedicated support and services, which includes an experienced, knowledgeable support team committed to making it easier for you to manage your plan and easier for employees to praticipate.

Fiduciary Solutions gives a flexible investment platform and support with no proprietary fund requirements, asset allocation options, third party investment advisory services, and managed accounts that respond to the needs and knowledge level of each employee.

Understanding why you are what you eat

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:32:01 GMT

The Importance of Nutrition

If you could go back in time, what would you change? Would you study harder in school? Push yourself to make more money? Perhaps even love someone else?  What makes billionaires, movie stars, and gifted leaders so different from you and me? Is it more brainpower? More talent? More wisdom? No.  

These people have discovered the power inside each one of us. Unlocking the ability to be happy, successful, and strong. Now you can use a clever solution to unlock your potential today. Don't let your mood, mind, and emotions hold you back.   Millions of Americans suffer from poor mood support.

Like a car running on cheap gas, your body is only as good as the food and nutrients that you put into it. You wouldn't put diesel into a Ferrari, so why should your body be any different?  Scientists have recognized the link between some mood ingredients and healthy adults for years. But like expensive fuel, most of these ingredients are tough to obtain. You may be able to find some B-Vitamins in your diet, but many key mood ingredients including 5-HTP and L-The anine aren't going to show up in a burger and fries.

Unless you're supporting your mind with the right tools, you're missing out on your full potential.  A poor mood wears and tears on your body leaving you feeling tired, drained, and empty inside.

It's incredibly tough to be successful when your mind is working against you. Unhappiness can damage your relationships. Hurting your family and friends and making struggle.

Mental Health System Breakdown

Healthcare in United States vs World Health Organization (WHO)

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:20:22 GMT

The Global Health showdown

Health care in the United States is provided by many distinct organizations. Health care facilities are largely owned and operated by private sector businesses.

Health insurance for public sector employees is primarily provided by the government. 60-65% of healthcare provision and spending comes from programs such as Medicare, Medicaid, TRICARE, the Children's Health Insurance Program, and the Veterans Health Administration. Most of the population under 65 is insured by their employer or a family member's employer, some buy health insurance on their own, and the remainder are uninsured.

The U.S. Census Bureau reported that 49.9 million residents, 16.3% of the population, were uninsured in 2010 (up from 49.0 million residents, 16.1% of the population, in 2009). According to the World Health Organization (WHO), the United States spent more on health care per capita ($7,146), and more on health care as percentage of its GDP (15.2%), than any other nation in 2008.

The United States had the fourth highest level of government health care spending per capita ($3,426), behind three countries with higher levels of GDP per capita: Monaco, Luxembourg, and Norway. A 2001 study in five states found that medical debt contributed to 46.2% of all personal bankruptcies and in 2007, 62.1% of filers for bankruptcies claimed high medical expenses. Since then, health costs and the numbers of uninsured and underinsured have increased.

Active debate about health care reform in the United States concerns questions of a right to health care access, fairness, efficiency, cost, choice, value, and quality. Some have argued that the system does not deliver equivalent value for the money spent. The USA pays twice as much yet lags behind other wealthy nations in such measures as infant mortality and life expectancy. Currently, the USA has a higher infant mortality rate than most of the world's industrialized nations.

In the United States life expectancy is 42nd in the world, after some other industrialized nations, lagging the other nations of the G5 (Japan, France, Germany, UK, USA) and just after Chile (35th) and Cuba (37th). Life expectancy at birth in the USA, 78.49, is 50th in the world, below most developed nations and some developing nations. Monaco is first with 89.68. Angola is last with 31.88. US statistics are below the average life expectancy for the European Union.

The World Health Organization (WHO), in 2000, ranked the U.S. health care system as the highest in cost, first in responsiveness, 37th in overall performance, and 72nd by overall level of health (among 191 member nations included in the study). The Commonwealth Fund ranked the United States last in the quality of health care among similar countries, and notes U.S. care costs the most.

People ReachOut

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:17:51 GMT

DRC's CEO, Charles Daniel, is a member of Advisory Broad

Our charitable vision was launched in early 2000 at a small dinner party hosted by Christina DeSimone for 10 philanthropically-driven girlfriends. Since then, we have held numerous successful fundraising events to assist lesser-known local and global institutions and organizations that do not have the notoriety or corporate sponsorships necessary to raise funds for their programs.

People Reaching Out has developed into an organization that not only provides financial assistance, but also assists in structuring educational programs and outreach locating food, clothing and equipment donations. People Reaching Out's Founder and President, Ms. DeSimone, has spent over thirty years in medical care management and rehabilitation. She founded Future Care, Inc., a medical management and medical advocacy organization supporting merchant mariners. Ms. DeSimone wanted Future Care to be a business that gives back, a concept instilled by her father, Mr. Anthony DeSimone, a leader in the field of rehabilitation.

Our most recent gala raised over $120,000. We made significant donations to both local and global organizations. One of the selected local organizations, Creaky Joints, is dedicated to increasing awareness and education for those suffering from various arthritic conditions.

Since the event was such a success, we were also able to appropriate funds to an orphanage in Kisii, Kenya to assist with a new dormitory project, as well as, to provide the funds needed to implement a sustainable solar panel project.

We hosted the event at the Hudson Terrace in New York City in conjunction with various TV personalities which helped to increase People Reaching Out's public visibility profile.

Leveraged Buy Outs are Risk and Reward

websitebuilder@1and1.de — Mon, 16 Sep 2019 17:13:05 GMT

Leveraged Buy Out are Risk and Reward

Dell Inc.'s DELL +1.67% potential $23 billion leveraged buyout could end up being more than just the end of an era for founder Michael Dell and the company's shareholders.

Banks, private-equity firms and investors in bond and stock markets also hope it could be the deal that finally gets the leveraged-buyout machine cranking again—showering financiers in fees and potentially yielding big returns for investors.

The deal, which people familiar with the discussions say could be announced as early as next week, is being closely watched. Mr. Dell and private-equity firm Silver Lake Partners seek some $15 billion in financing, the people said. A success could open the doors to other large deals that may be waiting in the wings.

A deal that struggles or even fails to find financing could stymie those plans. "I think if Dell gets done, it certainly will mean that the jumbo LBOs are back," said Richard Farley a lawyer who represents banks in buyouts. But while many vested interests are rooting for a deal, some investors and bankers are cautioning that the transaction may face challenges.

Dell, a computer maker based in Round Rock, Texas, has suffered four years of stagnant sales and has struggled to adapt to the shift away from desktops. Such a large amount of debt would place a heavy burden on a company whose business is deteriorating.

Private Placement Memoranda (PPM)

websitebuilder@1and1.de — Thu, 05 Sep 2019 01:03:00 GMT

Alternative Funding Source

• A Subscription Agreement for purchasing the notes.

Don't expect investors to give you capital based on a handshake. Would you invest funds into a company without signing a document that sets forth the terms and conditions of the loan?

The Subscription Agreement sets forth these terms and conditions - this is the document the investor signs and gives you with their investment check. You will have a very hard time raising debt capital without this basic document. Another example would be the

• Promissory Note Agreement the note is the actual loan agreement between the investor and the company.

You can't have a business loan without a loan agreement.