Maluma – Carnaval – 844-292-1318 South Dakota legal aid

Official video by Maluma performing “Carnaval.” (C) 2015 Sony Music Entertainment US Latin LLC.
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The Republican-dominated Arizona state Senate passed a bill on Wednesday designed to provide legal cover for businesses that refuse to serve LGBT people.

KPHO in Phoenix reported that bill sponsor Sen. Steve Yarbrough (R) claims that the legislation protects the “religious freedom” of private business owners, but critics of the measure say that conservatives are attempting to codify bigotry into law.

Yarbrough proposed an earlier draft of the bill in January, but legal experts warned that as written, the bill could potentially discriminate against single women and individuals who do not practice the Christian faith.

Across the country, same-sex couples are gaining the right to marry. Alarmed that same-sex couples will attempt to pay them to practice their professions, Christian bakers, wedding photographers, florists and other professionals have drawn a line in the sand, refusing on the basis of “conscience” to provide the goods and services they freely supply to the rest of the population.

Conservative lawmakers in several states have rushed to the beleaguered business owners’ aid by attempting to pass laws that allow them to legally refuse to perform their jobs if they are doing so on the basis of “sincerely held religious beliefs.”

The bills follow a pattern established by retrogressive lawmakers in multiple states — including Idaho, Tennessee and Kansas — who are attempting to throw hurdles into the path of marriage equality. Rather than openly declare their anti-LGBT intentions, right-wing lawmakers and operatives have cloaked their prejudiced agenda in the guise of a quest to protect Christians’ “religious freedom.”

On Tuesday, however, Republican lawmakers in four states saw major setbacks in their attempts to pass these types of exclusionary laws.

Facing intense pushback from colleagues and constituents, GOP lawmakers have voted down, withdrawn or backtracked on their proposed anti-LGBT laws in Kansas, Idaho, South Dakota and Tennessee.

Freedom to Marry president Evan Wolfson told BuzzFeed, “Our opponents have lost the argument about gay people, they’ve lost the argument about marriage and all they have left is distractions, diversions, and desperate attempts to carve out the license to discriminate as they have tried in every other civil rights chapter in our nation’s history.”
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APMEX Silver | 2016 1 oz Silver Native American Mint $1 Sioux Indian – 844-292-1318 South Dakota legal aid

The new APMEXclusive® Native American Mint’s 1 oz Silver bullion coin features the Sioux Indian. This coin is authorized by the Oglala Sioux Tribe, which is the largest of the Sioux nations and is located at Pine Ridge, South Dakota. Click here http://www.apmex.com/product/102752/2016-1-oz-silver-native-american-mint-1-sioux-indian to view and purchase these 2016 1 oz Silver Native American Mint Sioux Indian coins.

Second in the Sioux Buffalo series! Available only at APMEX, these coins reflect the sovereign status of Native American tribes and are instrumental in honoring tribal history and culture spanning centuries. Adding to their collectibility is the fact that they are the only American, non-U.S. government coins available in the marketplace.

Coin Highlights:

Contains 1 oz of .999 fine Silver, struck in a beautiful Reverse Proof quality.
Multiples of 20 come in plastic tubes. Multiples of 500 come packaged in boxes. Individual coins come in protective plastic flips.
Obverse: A beautiful portrait of a young Sioux Warrior is shown. Meant to be a modern interpretation of the classic Buffalo Nickel design, this portrait was designed by famous Western artist Matthew Lanz, and adopted by the Dakota Sioux as “White Star Boy”. The feathers attached to the Medicine Wheel are in a beautiful proof-like finish, adding significantly to the eye appeal when holding this artistic round.
Reverse: Shown is a 19th Century Indian war shield. On the shield is a buffalo, tepee, and banner with the name of the tribe. The 8 Tepees represent the districts of the Oglala Sioux reservation.
These are non-circulating, legally authorized coins by a federally recognized sovereign nation, but are not legal tender.
Royalties from the sale of these coins assist Native American charities, counter severe poverty and raise tribal awareness.

The designs on these Silver coins represent the history and culture of Native American tribes, and the royalties aid in their continued existence as federally recognized tribes.

The Sioux Warrior wears the Medicine Wheel, or Circle of Life. The Medicine Wheel is found in many tribes and in many parts of the world, but there are beliefs common to them all. The compass points North, South, East and West give four directions. Mother Earth is below and Father Sky is above, giving six directions in total. These six directions are also symbolized by animal fetish carvings.

Indigenous Native American tribes have tribal sovereignty in the United States, giving them the authority to govern themselves within the borders of the United States. These tribes are considered “domestic dependent nations,” which is a form of parallel sovereignty within the U.S. constitutional framework.

This coin is an official commercial item that represents the tribe, but there is no legal face value, as tribes are not allowed to create their own currencies. This ability is reserved for the federal government.

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ICP Covers Haiti Cholera Spin of UN’s Gallach, Then Yemen & Dakota Access Pipeline – 844-292-1318 South Dakota legal aid

UN Propaganda Chief Gallach Lies About Haiti Cholera, After Having Press Evicted, Must Go

By Matthew Russell Lee

UNITED NATIONS, October 29 — After the UN under Ban Ki-moon killed more than 10,000 people in Haiti by bringing cholera, Ban spent years dodging court papers and the issue.

The UN now says it has a new approach to Ban Ki-moon longstanding impunity for bringing cholera to Haiti. But on October 14, the UN of Ban and his Under Secretary General for Public Information Cristina Gallach had Inner City Press thrown out of of the “available” meeting on the new approach.

On October 27, at a Cristina Gallach propaganda event that Inner City Press would have covered from its office – taken – or the smaller Focus Booth – taken — Gallach dissembled on Haiti cholera, video here.

Afterward Inner City Press ran up to the UN Press Briefing Room from which Ban’s spokesman Stephane Dujarric ejected Inner City Press and allowed Gallach to oust Inner City Press without once speaking to it – and asked about Yemen.

What is clear: this corrupt head of UN Public Information must go. Watch this site.

On October 25, Philip Alston gave a press conference in the UN Press Briefing Room, at which a total of two journalists asked questions: the New York Times and Inner City Press. (Ban’s spokesman Stephane Dujarric did not even list Alston’s press conference in his office “Week Ahead.”) Periscope video here.

Inner City Press asked Alston if he saw Ban Ki-moon’s UN’s impunity for cholera in Haiti as similar to the lack of accountability for rapes, including of children, in the Central African Republic. Alston distinguished the two, saying that some of the problems with peacekeeper sexual abuse are up to member states, and praising Ban for firing Babacar Gaye.

(One wonders if Alston is aware that Gaye’s boss Herve Ladsous of France has publicly raped the rapes to “R&R” and that the abuse has continued after Gaye, from Senegal, was fired.)

Alston made an analogy to Ban backing down to Saudi Arabia and its allies and dropping the Saudi led Coalition from the Children and Armed Conflict annex on Yemen, and said that the United States is similarly pressuring Ban.

Inner City Press while quite aware of the U.S. role asked Alston if that explained for example Ban dodging legal papers, having the press thrown out and if in fact the 11th hour offer of charity might just be to attempt to clean up his legacy for a run for South Korea’s presidency.

Alston said he couldn’t speak to that, but that he had two meeting with Ban, one in January and another, just with Ban and Ban’s deputy. He said he met with the US Mission’s deputy ambassador. Inner City Press asked if he meant Isobel Coleman, present in the October 14 “available” meeting Inner City Press was thrown out of and banned from covering. An Alston staff clarified it had been with Deputy Permanent Representative Michele Sison. But what has by the US Mission’s and U.S. State Department’s role?

Alston decried both the US administration and the UN for failing to provide their legal arguments. As to the UN, this is was also refused, for example, when the UN threw Inner City Press out earlier this year. Here’s USG Gallach’s first letter and second letter; here’s her bogus response to Alston’s fellow Special Rapporteurs Kaye and Forst. Here’s the UN’s memo to the US Senate Foreign Relations Committee. The lawlessness is pervasive.

On October 26, Inner City Press asked Ban’s spokesman Dujarric, Video here, UN transcript here:

Inner City Press: I wanted to ask some questions about Haiti. One is about this teenage girl that was shot and killed while awaiting aid. I wanted to know whether the… the media reports say that the UN peacekeepers fired rubber bullets and teargas and that… but they… they… they believe that the girl was killed by Haitian National Police with whom the UN was working. What does the UN know about this death? And… and, again, it seems like you have this teargas and rubber bullet deployment on… on, in this case, a teenager. I mean, I guess it depends on the age. But what was the rationale for the UN using teargas and rubber bullets?
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www.agencybrokerage.com

Insurance Agency Valuation Basics

This video is a 20 minute introduction to insurance agency valuations, including a discussion of why agency principals have them performed and considerations prior to initiating one. If you are thinking of selling your insurance agency or just want to know the value of your insurance agency, then this is a great starting point for information.

For further information, please see www.agencybrokerage.com. The moderator for the presentation is Michael Mensch, an experienced insurance agency mergers & acquisitions advisor. Copyright 2013.

Partial Transcript for “Insurance Agency Valuation Basics”

Michael Mensch, Certified Business Intermediary, Merger & Acquisition Master Intermediary

Agency Brokerage Consultants is a merger & acquisition advisory firm to the insurance brokerage industry. www.agencybrokerage.com

Valuation & Planning Services: Insurance agency market valuation; Financial and operational review of an insurance agency; Performance benchmarking against other insurance agencies; Strategic planning for the selling of an insurance agency

Sell Side Engagement Services: Insurance agency market valuation; Preparation for selling an insurance agency; Insurance agency buyer discovery and disclosure; Offer negotiation; Due diligence management; Purchase contract review; Contract execution; Post-closing resolutions

Buy Side Engagement Services: Prospecting for owners that may want to sell their insurance agency; Owner introduction; Data collection and preliminary valuation of insurance agencies; Offer negotiation; Due diligence management; Purchase contract review/preparation; Contract execution and post-closing resolutions

Team credentials include: Merger & Acquisition Master Intermediary; Certified Business Intermediary; Certified Valuation Analyst; Certified Appraiser; Securities & Real Estate brokers

Some uses for a insurance agency appraisals: Buy/sell agreements; insurance agency merger and acquisition transactions; ESOPs or going public; Gift, estate and income taxes; Life insurance; Divorce, damage cases, shareholder dispute and corporate dissolution

Definition & purpose of valuation
•What is being valued?
•What is the effective date?
•What are the ownership characteristics?
•What is the intended use?
•The purpose and conditions do impact the appraised value.

Standards of value
•Fair market, Investment, or Intrinsic value
•Premise of value – Going concern or liquidation
•Identification of assets – Particularly any rights or restrictions by 3rd parties

Differences between “small” and “big” insurance agencies:
Legal entity; Management structure; Owner’s involvement in sales; Identity and perception of business; Financial stability; Quality of accounting; Ownership transition

The Analysis Process:
•Financial – 3-5 years of financial statements to determine “earnings”
•Book of Business – 3-5 years of revenue reports to determine the inherent risk of the book of business.
•Operational – Series of questions about the overall management, marketing, staffing, etc of the agency.

Insurance Agency Appraisal Methodologies:
1. Asset – Value based on the assets
2. Income – Value based on the earnings
3. Market – Value based on sale prices of “similar assets”

•Multiple insurance agency valuation methods should create a bracketed value or value range.
•Value could be discounted due to: Risk factors; Working Capital requirements; Controlling interest concerns; Marketability of the asset;
•The Fair Market Value of an independent insurance agency is not the “real market value” because FMV: Assumes a generic buyer; Uses average or textbook multipliers and discounts; Assumes “cash value”.
•If you are thinking of selling your insurance agency or buying an insurance agency, then you need a valuation from an experienced merger and acquisition firm.

Final Thoughts on getting an Insurance Agency Valuation
•There are many legitimate reasons to get an insurance agency valuation.
•Various factors can influence the appraised value of an insurance agency.
•The valuation process should be thorough.
•No two insurance agencies are the same or “average”.
•Seek an industry professional engaged in insurance agency mergers and acquisitions.

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