Killer Legal and Judge Carol S. Ball – Amazing People – Inspirational Life Stories – Part 2 – 844-292-1318 Massachusetts legal aid

Killer Legal and Judge Carol S. Ball – Amazing People on Killer Legal and at www.killerlegal.net – Inspirational Life Stories – Part 2 – Killer Legal Reality Radio Brings You Yet Another Exclusive Interview Series With The Honorable Judge Carol S. Ball, a Superior Court Justice in the Commonwealth of Massachusetts (retired). / Take a Joyful and Wonderful Trip With us Through the Life of a Renowned Justice of the Superior Court, Judge Carol S. Ball, as She Tells us About Her Journey to the Bench From Working for Legal Aid, as an Assistant District Attorney, as a Criminal Defense Attorney, and as a Judge of the Superior Court / Learn Judge Ball’s Ideals and Attitudes She Relied on in Her Life That Made Her Incredibly Successful and Much Heralded as One of the Best Judges to Sit on the Superior Court Bench. Wisdom, Humility, and Sound Judgment Guided by Principles of Humanism and Reasonableness.
Truly a Master of the Law and an Amazing Person.
Judge Carol S. Ball – an Inspiration !
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Three Clearinghouse Review subscribers–Mona Tawatao of Legal Services of Northern California, Fran Fajana of Massachusetts Law Reform Institute, and Jane Perkins of the National Health Law Program–describe why they read the Review and how it has helped them in their poverty law practice.

Killer Legal and Judge Carol S Ball – Amazing People – Inspirational Life Story – Part 1 – 844-292-1318 Massachusetts legal aid

Killer Legal and Judge Carol S Ball – Killer Legal Amazing People – Inspirational Life Story – Part 1 – Killer Legal Reality Radio at www.killerlegal.net brings You Yet Another Exclusive Interview Series With The Honorable Judge Carol S. Ball, a Superior Court Justice in the Commonwealth of Massachusetts (retired). / Take a Joyful and Wonderful Trip With us Through the Life of a Renowned Justice of the Superior Court, Judge Carol S. Ball, as She Tells us About Her Journey to the Bench From Working for Legal Aid, as an Assistant District Attorney, as a Criminal Defense Attorney, and as a Judge of the Superior Court / Learn Judge Ball’s Ideals and Attitudes She Relied on in Her Life That Made Her Incredibly Successful and Much Heralded as One of the Best Judges to Sit on the Superior Court Bench. Wisdom, Humility, and Sound Judgment Guided by Principles of Humanism and Reasonableness.
Truly a Master of the Law and an Amazing Person.
Judge Carol S. Ball – an Inspiration !
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People Try Moonshine For The First Time – 844-292-1318 South Dakota legal aid

“Is this legal?”

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Biscuits and Gravy
Licensed via Warner Chappell Production Music Inc.

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Rolling Mountains
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Film Footage courtesy of Shutterstock, Inc.
Used with Permission

SOURCES
Moonshine Is Growing in the U.S., and Big Whiskey Wants a Taste

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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.

Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Nebraska, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Virginia, Wisconsin

Oregon Murderer Chris Harper Mercer – Black Lives Matter Supporter – Wanted to Kill White People – 844-292-1318 Oregon legal aid

Oregon Murderer Chris Harper Mercer - Black Lives Matter Supporter - Wanted to Kill White People

Let the lies begin, Oregon shooter: Gunman identified as 26-year-old Chris Harper Mercer – Black Lives Matter Supporter – wanted to kill White people, Obama blames gun control.

Media refuses to call him black man or racist.

Here is link to Part 2 after I have more information:

WAKE UP PEOPLE – drugs are outlawed and they are every where, killing is outlawed and people are killed every day, the Gov does not enforce laws they only want more laws. Guns are an object like cars, drugs, or planes, they do not kill things, people who use them wrong are the issue. If Gov can’t tell you they can keep you safe, what good are they.

Liberals will make this about a good crisis to get more laws and money so they can claim that will fix this, meanwhile Obama has stirred up this racial hate and conflict and now wants to claim he can fix it with more laws. STOP DRINKING THE KOOL AID.

✋ About the video / Community guidelines ✋
This footage is NOT intended to be violent or glorify violence in any way. We are sharing this footage STRICTLY for the purposes of critique and educating purposes.
https://www.facebook.com/horsyguy/posts/10206294277448128?pnref=story
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Bank of Hawaii and the Legal Aid Society of Hawaii help people file taxes – 844-292-1318 Hawaii legal aid

Bank of Hawaii and the Legal Aid Society of Hawaii help people file taxes

Bank of Hawaii’s Alex Teece describes his experience volunteering with the IRS’ Volunteer Income Tax Assistance (VITA) Program at the Legal Aid Society of Hawaii.

Every year, the program assists individuals file their state and federal tax returns for free if they make under ,000 a year.
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