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The enemy of the gods of Fenris was the second of the children of Loki. Originally, the gods believed it is not enough threat and allowed to live in Asgard. The wolf raised among the Aesir and became so great and terrible that feed it dared only Tyr (God of military bravery). To protect themselves, the aces decided to tie Fenris chain, but the mighty wolf easily tore the strongest chain (Leding and Drommi). In the end, aces cunning managed to bind Fenrir magic chain Gleypnir that the dwarves made the noise the cat's steps, women's beard, roots of mountains, the bear lived (in ancient times, the tendons attributed to the properties of the nerves), fish's breath and bird's spittle. All this is no longer in the world. Glypnir was thin and soft as silk. But to the wolf allowed to wear that chain, Tyr had to put his hand in his mouth as a sign of lack of evil intentions. When Fenris could not break free, he bit off the hand of Tyr. Aces Finra chained to a rock deep under the ground and thrust a sword between his jaws.

The Financial Industry Regulatory Authority (FINRA), a Washington-based self-regulatory body, has cautioned investors to beware of ICOs touting their adoption of the SAFT (Simple Agreements for Future Tokens) framework as evidence of investment security or regulatory compliance.

SAFT...

 

iconewswatch.com/2018/08/19/finra-throws-shade-on-the-saf...

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> Reaction to Chase's speech. That's Wheeler in the background

> covering his face.

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SS.........AND THEY'RE WELL ON THE WAY TO GETTING IT

  

February 22, 2013

The Feds Want Your Retirement Accounts

By John White

Quietly, behind the scenes, the groundwork is being laid for federal government confiscation of tax-deferred retirement accounts such as IRAs. Slowly, the cat is being let out of the bag.

 

Last January 18th, in a little noticed interview of Richard Cordray, acting head of the Consumer Financial Protection Bureau, Bloomberg reported "[t]he U.S. Consumer Financial Protection Bureau [CFPB] is weighing whether it should take on a role in helping Americans manage the $19.4 trillion they have put into retirement savings, a move that would be the agency's first foray into consumer investments." That thought generates some skepticism, as aptly expressed by the Richard Terrell cartoon published by American Thinker.

Days later On January 24th President Obama renominated Cordray as CFPB director even though his recess appointment was not due to expire until the end of 2013.

 

One day later, in the first significant resistance to President Obama's concentration of presidential power, a three judge panel of the U.S. Court of Appeals in Washington DC unanimously said that Obama's Recess Appointments to the National Labor Relations Board are unconstitutional. Similar litigation testing the Cordray appointment to the CFPB is in the pipeline.

 

The Consumer Financial Protection Bureau (CFPB) created by the 2,319 page Dodd-Frank legislation is a new and little known bureau with wide-ranging powers. Placed within the Federal Reserve, a corporation privately owned by member banks, the CFPB is insulated from oversight by either the President or Congress, its budget not subject to legislative control. It is not even clear that a new President can replace the CFPB director on taking office.

 

Unusual legal and political environments have a significant impact on the CFPB. With Cordray's recess appointment in doubt several questions remain unanswered.

 

1) What will become of the CFPB when Cordray's appointment is found invalid? An indicator comes from the NRLB, which operated unconstitutionally for years without a quorum. In 2007 the Senate threatened no NLRB nominations reported out of committee.

 

The NLRB continued operating with two members. Then a Supreme Court ruling in June of 2010 invalidated the NLRB decisions for lack of a quorum. Fisher & Phillips give the details about what was done next.

 

But recovery from the Supreme Court's sting was quick, with Liebman and Schaumber still on the Board and with two new Members confirmed, ... the suddenly full-strength Board simply added a new Member to the "rump panel" of the original decisions and managed to rubber-stamp many of the disputed Orders - at a record-setting pace - with the same result...

 

This may explain why President Obama renominated Cordray a year early. Once confirmed Cordray can rubber-stamp decisions made while he was unconstitutionally appointed. Otherwise those decisions will be invalidated.

 

2) What will the CFPB do with your money? The CFPB incursion into individual personal savings, in order to control how you invest your money, isn't a new idea. Current proposals grew from a policy analysis as disclosed by Roger Hedgecock.

 

On Nov. 20, 2007, Theresa Ghilarducci, professor of economic policy analysis at the New School for Social Research in New York, presented a paper proposing that the feds eliminate the tax deferral for private retirement accounts, confiscate the balance of those accounts, give each worker a $600 annual "contribution," assess a mandatory savings tax on every worker and guarantee a 3 percent rate of return on the newly titled "Guaranteed Retirement Accounts," or GRAs.

 

How would that be accomplished? The Carolina Journal reported Ghilarducci's 2008 testimony to Nancy Pelosi's House.

 

Democrats in the U.S. House have been conducting hearings on proposals to confiscate workers' personal retirement accounts "including 401(k)s and IRAs" and convert them to accounts managed by the Social Security Administration.

 

Your Government universal GRA investment savings account is an annuity managed by Social Security. Hedgecock noted '[m]ake no mistake here: Obama is after your retirement money. The "annuities" will "invest" not in the familiar packages of bond and stock mutual funds but in the Treasury debt!'

 

By 2010 Bloomberg published an article titled "US Government Takes Two More Steps Toward Nationalization of Private Retirement Account Assets." In that article Patrick Heller observed that, with Democrat control of Congress and the Presidency:

 

[I]n mid-September 2010 the Departments of Labor and Treasury held hearings on the next step toward achieving Ghilarducci's goals. The stated purpose was to require all private plans to offer retirees an option to elect an annuity. The "behind-the-scenes" purpose for this step was to get people used to the idea that the retirement assets they had accumulated would no longer be part of their estate when they died.

 

So the Government would get the money, not the estate or family of the people who saved the money during a lifetime of work. That's a one hundred percent death tax on savings. Worse, the most responsible and poorest families will be penalized.

 

Democrats had a blueprint for diverting people's savings from private investment to government debt. Then in 2010 the Tea Party won the house...

 

3) Why should the Government intervene in people's savings decisions? The justifications for Government intervention in private financial decisions are varied. Panic over the economy, Wall Street, mandating savings equity, eliminating investment risk, financial crisis losses, retirement security, much-needed oversight, your 401K becomes a 201K, shoddy financial products, and predatory investment bankers are just a few.

 

If the financial industry is so predatory, how is it possible that savers keep any money? More importantly, we have all those government agencies, FDIC, FINRA, SEC, Labor Department, Treasury Department, NCUA, Office of Thrift Supervision, FHFA, NCUSIF, Comptroller of the Currency, Office of Foreign Assets Control, Pension Benefit Guaranty Corporation, hundreds of criminal penalties, and state level regulators. Are we admitting the Government is incapable of policing criminal and predatory behavior? Do we have invincible predators plundering the people, or do politicians Cry Wolf?

 

And about that crisis in the economy. Former Congressman Barney Frank, one of the authors of Dodd-Frank, admitted to Larry Kudlow that Government was to blame for the housing crisis.

 

Professor Ghilarducci said "humans often lack the foresight, discipline, and investing skills required to sustain a savings plan." Professor Ghilarducci tells us that people are flawed, no argument there.

 

Her solution, substitute Government decisions for the judgment of the millions of people who actually earned and saved the money. She fails to mention the government bureaucrats wielding the power to compel you to comply are themselves imperfect. Which is preferable, one faulty Government solution or millions of individual free choices?

 

4) Are there other forces pushing Government to confiscate people's savings? With $16 trillion in debt the short answer is yes. When governments embark on a path of spending money they don't have, they resort to financial repression. According to Wikipedia:

 

Financial repression is any of the measures that governments employ to channel funds to themselves, that, in a deregulated market, would go elsewhere. Financial repression can be particularly effective at liquidating debt.

 

Do we have any evidence that the US Government is pursuing financial repression? Yes we do. Jeff Cox at CNBC. "US and European regulators are essentially forcing banks to buy up their own government's debt-a move that could end up making the debt crisis even worse, a Citigroup analysis says."

 

An Investors Business Daily article, Banks Pressured to Buy Government Debts, notes that "[b]anks can't say no. They fear the political fallout. So they meekly submit to the government's dictates."

 

Meanwhile the Wall Street Journal reports that "[i]n 2011, the Fed purchased a stunning 61% of Treasury issuance." Then a CNS News article revealed that "[s]o far this calendar year [2013], the Federal Reserve has bought up more U.S. government debt than the U.S. Treasury has issued."

 

5) Is the health of Social Security (SS) a factor? There are several potential measures of when Social Security retirement goes broke. One measure is when FICA tax income doesn't cover the cost of retirement checks. We have passed that point already. Others say that SS is fine until the lock box runs out of special issue bonds (IOUs).

 

Even though the SS bonds in the lock box cannot be sold on the open market, the Treasury Department remains under political pressure to honor that obligation by borrowing real cash to redeem the IOUs. At least until the IOUs in the lock box are gone. How long is that? Based on a credible source, Bruce Krasting at Zerohedge suggests not long.

 

SS consists of two different pieces. The Old Age and Survivors Insurance (OASI) and Disability Insurance (DI). Both entities have their own Trust Funds (TF). OASI has a big TF that will, in theory, allow for SS retirement benefits to be paid for another 15+ years. On the other hand, the DI fund will run completely dry during the 1stQ of 2016.

 

So Krasting expects the President and Congress will soon be forced to choose between 4 solutions:

 

1 Increase Income Taxes

 

2 Increase Payroll Taxes

 

3 Cut disability benefits by 30%

 

4 Kick the can down the road and raid the retirement fund to pay for disability shortfalls.

 

Krasting predicts Congress and Obama will be behind door number four. His credible source is the Congressional Budget Office report Social Security Trust Fund--February 2013 Baseline. In the footnotes it projects a $1 Trillion drain on the retirement fund which currently holds $2.8 Trillion. That's a loss of approximately one third of the retirement IOUs.

 

Krasting however omits another possible solution, politicians can raid private retirement savings to put more IOUs in the lock boxes and more real money in the Treasury. Other people's money is a temptation and $19.4 Trillion is a very large temptation.

 

Social Security is the largest entitlement program with a trust fund of $2.8 Trillion IOUs, soon to be reduced by another $1 Trillion. Can any politician, addicted to spending, resist that temptation of $19.4 Trillion? That's real people's real money that will be spent by Government in exchange for IOUs given to the SS lock box.

 

Meanwhile newly minted Senator Elizabeth Warren has entered the debate. Conservatives and Republicans have challenged the CFPB in the wake of the unconstitutional recess appointment. Bloomberg speculates that Warren might agree to trim the CFPB powers in a compromise. Bloomberg reported:

 

"A strong independent consumer agency is good for families and lenders that follow the rules and good for the economy as a whole," Warren said yesterday in an interview. "I will keep fighting for that." [snip]

 

Some observers have suggested that Warren's original support for a commission-led bureau might mean she would be amenable to compromise on that issue. Warren spokesman Dan Geldon said such speculation is mistaken.

 

"Senator Warren thinks the single director structure makes sense and that CFPB should continue to be able to operate, like every other banking regulator, without relying on appropriations for its funding," Geldon said.

 

Bloomberg also notes that soon "the Senate will have to decide whether to vote to confirm director Richard Cordray in his post, which would make a legal challenge pointless."

 

Conservatives and Republicans challenge the surrender of legislative power to the bureau, the concentrated power of a single director, the unconstitutional recess appointments, and the violation of constitutional separation of powers. The Republican position is the constitutional questions and litigation presently underway should be resolved prior to approving a director of CFPB.

 

The constitutional issues surrounding Dodd -- Frank and the CFPB are beyond the space for this article. For those interested in the legal issues, a good synopsis can be found at the Mark Levin Radio Show podcast for February 18th. Mark is an attorney and his Landmark Legal Foundation has argued many cases before the Supreme Court. He can explain complex legal issues in straightforward language.

   

Read more: www.americanthinker.com/2013/02/the_feds_want_your_retire...

Follow us: @AmericanThinker on Twitter | AmericanThinker on Facebook

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> Reaction to Chase's speech. That's Wheeler in the background

> covering his face.

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> ForwardSourceID:NT0003D6A2

> ForwardSourceID:NT0003D6AA

>

> ATTENTION: Please be aware that the confidentiality of Internet e-mail

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For more than 65 years, Porte Brown LLC has provided accounting services to individuals and businesses throughout Chicago and the suburban areas. Porte Brown specializes in tax planning and preparation services, audit, business valuations, retirement plan administration and consulting. The CPA firm also focuses on technology solutions, providing computer consulting for clients, either by establishing a new network for their operational and accounting needs or working with an existing network with the help of Porte Brown Technology Solutions. Wealth management services provided by Porte Brown Wealth Management LLC. Securities offered through 1st Global Capital Corp., Member FINRA, SIPCA Investment advisory services offered through 1st Global Advisors, Inc.

 

Porte Brown LLC

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Elk Grove Village, IL 60007

Phone: (847) 956-1040

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Contact Email: pmetzger@portebrown.com

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accounting firm, tax accountant, irs representation, payroll services, audit services, management consulting, technology solutions, accounting software solutions, wealth management, intacct software, traverse software, quickbooks

 

How Japan Is Creating a Template for Cryptocurrency Regulation

  

Some countries in Asia are feeling the pain of inadequate cryptocurrency regulation, while others, like India, China and South Korea, have taken an uncertain or hostile stance to cryptocurrency. In contrast, Japan is building a...

Also Read: How to Buy Bitcoin With Credit Card (Using Visa or Master Card)

 

How Japan Is Creating a Template for Cryptocurrency Regulation

  

Some countries in Asia are feeling the pain of inadequate cryptocurrency regulation, while others, like India, China and South Korea, have taken an uncertain or hostile stance to cryptocurrency. In contrast, Japan is building a clear framework for how virtual currency exchanges, and soon initial coin offerings (ICOs), should operate there. In doing so, Japan is becoming a hotspot for virtual currency exchanges that can afford to comply with its strict rules, while also creating a regulatory template for the rest of Asia to follow.

Japan has always been friendly to cryptocurrency, but it took an early hit in 2014 when Tokyo-based cryptocurrency exchange Mt. Gox became the target of the largest bitcoin hack ever. The exchange was handling 70 percent of all of the bitcoin transactions in the world when, after a series of messy complications, it abruptly stopped trading in February 2017. Following that, 650,000 bitcoin worth $390 million at the time (or $6 billion at today’s value) were reported missing.

In response to the massive virtual currency heist, the Financial Action Task Force (FATF), the Paris-based international body that creates policies to combat money laundering, issued its “Guidance of Risk-Based Approach to Cryptocurrencies” in 2015. The 46-page report recommends that countries license virtual currency exchanges and subject them to the same rules and oversight as any other financial institution or money transmitting business.

New Laws, Big Changes

Prompted by a desire to protect consumers and the FATF’s recommendations, Japan revised its Payment Services Act. The new law, which went into effect in April 2017, does two things. First, it legally defines virtual currency as a form of payment. (Japan still does not define bitcoin as legal tender, but acknowledges that you can use it to purchase things with.) Second, the law requires any virtual currency exchange that wants to do business in Japan or solicit its citizens to register with the country’s Financial Services Agency (FSA).

Because existing exchanges needed time to bring their operations up to date with the new standards, the FSA gave all exchanges that were in operation before the law went into effect a six-month grace period to apply for a license. Any exchange that applied for a license within that period was allowed to continue operating for an indeterminate period of time while their application was still pending. These exchanges fall under a special category of “quasi-operators,” meaning they are not fully licensed operators, just somewhere in between.

Under the new law, virtual currency exchanges in Japan are now required to be accountable to their customers. They have to keep customer assets separate from the assets of the exchange, maintain proper bookkeeping, undergo annual audits, file business reports and comply with strict know-your-customer and anti-money-laundering rules, and more.

First Licensed Exchanges

Registering as an exchange in Japan is a long, involved process that can take up to six months. The FSA licensed the first 11 exchanges in September 2017. In early December 2017, it licensed another four, and at the end of December 2017, it licensed the 16th exchange. At that time, 16 quasi-operators still had applications pending and were in the process of upgrading their internal operations. Then, in late January 2018, disaster struck. Coincheck, one of the quasi-operators, was hacked, resulting in the loss of $530 million worth of NEM tokens.

The Coincheck theft prompted heavier oversight. The FSA began conducting on-the-spot inspections for all quasi-operators to look for security gaps, and in March 2018, the FSA sent out punishment notices to seven exchanges, even requiring two to halt operations for 30 days.

According to Asia News Network, the FSA is grappling with how to handle its quasi-operators. Shutting unqualified operators down too quickly could cause customer backlash, but, at the same time, the FSA needs to make sure the proper security checks are in place.

Japan’s plan is to pass on part of the work of overseeing virtual currency exchanges to a self-regulating body (SRO) that functions similarly to how the Financial Industry Regulatory Authority (FINRA) works in the U.S.

To that end, in April 2018, the Japan Virtual Currency Exchange Industry Association launched. The new group, comprised of the first 16 licensed Japanese virtual currency exchanges, will have the power to create and enforce rules and set fines, and eventually develop standards for ICOs.

Legalizing ICOs

After tackling virtual currency exchanges, Japan is now moving on to the ICO market. The process began in October 2017 when the FSA issued a statement warning investors about the volatility of ICO tokens and the risk for fraud. In that statement, the FSA also clarified that, depending on how an ICO is structured (and whether its token has the characteristics of virtual currency or an investment), it may fall within the scope of the Payment Services Act or the Financial Instruments and Exchange Act.

In April 2018, the Center for Rule-Making Strategies at Tama University released a list of guidelines for regulating ICOs. The government-backed report states that ICO projects should clearly spell out how they plan to distribute funds. It also outlines rules for tracking the progress of a project, confirming the identity of buyers and restricting insider trading. According to Bloomberg, the proposal will be deliberated by Japan’s FSA and could become law in a few years.

Japan is still fine-tuning oversight of its virtual currency exchanges, and its ICO framework may take a few more years to develop. But, by putting clarity around an industry that has long operated with little or no oversight, Japan is setting the stage for a future when cryptocurrencies will play a larger role in society.

 

This article originally appeared on Bitcoin Magazine.

 

   

source: feedproxy.google.com/~r/BitcoinMagazine/~3/LD2FARkWh8U/

Post source: How Japan Is Creating a Template for Cryptocurrency Regulation

 

 

Source

Ethereum Classic (ETC) Investment Trust Approved Following Protocol Upgrades

  

Fans of the “original” Ethereum, Ethereum Classic (ETC), have received some good news ahead of the project’s planned upgrades.

 

Institutional Investment

According to a press release from Grayscale Investments, LLC, com...

Also Read: Blockchain Smart Contract Service

 

Ethereum Classic (ETC) Investment Trust Approved Following Protocol Upgrades

  

Fans of the “original” Ethereum, Ethereum Classic (ETC), have received some good news ahead of the project’s planned upgrades.

Institutional Investment

According to a press release from Grayscale Investments, LLC, common units of fractional undivided beneficial interest (“Shares”) in Ethereum Classic Investment Trust have been approved by the U.S. Financial Industry Regulatory Authority, Inc. (FINRA) for a public quotation (OTCQX:ETCG) on OTC Market’s OTCQX® Best Market.

The Ethereum Classic Investment Trust was launched in 2017 as a private, open-ended trust which holds Ethereum Classic (ETC). As such, it derives its value entirely from the value of the ETC it holds. As explained in the press release:

 

It enables investors to gain exposure to the price movement of ETC without the challenges of buying, storing, and safekeeping ETC. As of April 30, 2018, each Share of the Trust represents ownership of 0.96988630 ETC. The Trust will not generate any income and regularly sells/distributes ETC to pay for its ongoing expenses. Therefore, the amount of ETC represented by each Share gradually declines over time.

 

Grayscale is already well-known for its family of single-asset and diversified investment products, which expose investors to Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum Classic (ETC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), and Zcash (ZEC).

Thus far, the response from the Ethereum Classic community on Reddit has been somewhat muted, with only user DrunkenMantis27 responding, “Been waiting on this news for a long time.” User pakcrypto also commented, “Great.”

 

Updated Monetary Policy

Grayscale’s announcement follows an uncontested update to Ethereum Classic’s monetary policy.

In a joint statement from many leading Ethereum Classic participants, the total supply of ETC has been capped. Reads the statement:

 

We understand that a monetary policy has been proposed that establishes an upper bound on the total number of ETC that will ever be issued, and that this policy was the result of extensive discussions within the community. The policy also defines a method of reducing the block reward over time.

The new monetary policy sets a limit for the total ETC issuance. The block reward will be reduced by 20% at block number 5,000,000, and another 20% every 5,000,000 blocks thereafter. Uncle block rewards will also be reduced. Due to variations in the reward rate of ETC, we anticipate the total supply to be approximately 210 million ETC, not to exceed 230 million ETC.

  

Diehard $ETC protocol upgrade successful. Nethash stable, geth and parity mine blocks, transactions coming through. Congrats, everyone! t.co/GD5EzeAnWQ

— BitNovosti.com (@bit_novosti) January 13, 2017

 

ETC also recently went through a non-contentious network upgrade at block height 3,000,000, which resolved critical issues such as the much-dreaded difficulty bomb and the potential for replay attacks.

What do you think about Ethereum Classic (ETC) in relation to Ethereum (ETH)? Do you think Ethereum Classic is set for a big 2018? Let us know in the comments below!

Images courtesy of [tw], Bitcoinist archives, Twitter/@bit_novosti.

[Full disclosure: The author of this article is a holder of both Ethereum Classic (ETC) and Ethereum (ETH).]

The post Ethereum Classic (ETC) Investment Trust Approved Following Protocol Upgrades appeared first on Bitcoinist.com.

 

source: bitcoinist.com/ethereum-classic-etc-investment-trust-appr...

Post source: Ethereum Classic (ETC) Investment Trust Approved Following Protocol Upgrades

 

 

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Now 1 Liberty Plaza and current home of FINRA, the old NASD. The architects purposefully designed a heavy, dark building to demonstrate the aesthetic potential of heavy, dark steel buildings. Each floor offers nearly 1 acre of column free space. The Brooks Brothers on the ground floor was converted into a temporary morgue on 9/11 to handle bodies coming from the twin towers across the street.

Un adelanto de lo que viene! ( A Preview )

 

iPhone Photo

Providing investment management for the security of your future.

Amerisal Financial Inc.

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Securities offered through SCF Securities, Inc. - Member FINRA / SIPC Investment Advisory Services offered through SCF Investment Advisors, Inc. 155 E Shaw Ave Suite 102, Fresno CA 93710, Ph: 800-955-2517, Fax: 559-456-6109, SCF Securities, Inc. and Amerisal Financial are not affiliated.

OptionsHouse, LLC is an online stock and option broker delivering a fast, streamlined trading experience on its professional-grade trading platform, accessible at www.optionshouse.com/. A licensed FINRA broker-dealer, OptionsHouse was founded in 2005 and is a subsidiary of proprietary option-trading firm, PEAK6 Investments, L.P.

 

Options involve risk and are not suitable for all investors. In addition, electronic trading poses unique risk to investors. System response and access times may vary due to market conditions, system performance and other factors. OptionsHouse provides neither investment nor tax advice. Please read Characteristics and Risks of Standardized Options | Risk Statements and Disclosures | Privacy Policy, copies of which can also be obtained by contacting our Customer Service Department at customerservice@optionshouse.com. © 2006-9 OptionsHouse, LLC All rights reserved. Member of FINRA, SIPC.

A trust-worthy financial planner located in Lake Oswego and serving the great Portland OR area.

Amerisal Financial Inc.

3689 Carman Dr. Ste. 200

Lake Oswego, OREGON 97035

503-344-4422

Securities offered through SCF Securities, Inc. - Member FINRA / SIPC Investment Advisory Services offered through SCF Investment Advisors, Inc. 155 E Shaw Ave Suite 102, Fresno CA 93710, Ph: 800-955-2517, Fax: 559-456-6109, SCF Securities, Inc. and Amerisal Financial are not affiliated.

Trick$ of the Trade: Outsmarting Investment Fraud, a new documentary that shows you how to stop fraudsters from taking your money. Join the fight, learn the signs, take control. Regardless of age, location or circumstance, we are all at risk. A special showing will be made at The Flicks in Boise on April 1, 2013, presented by the Better Business Bureau serving the Snake River Region through a grant from FINRA. This free program has limited seating (194) and will be filled on a first-come first-served basis.

Goldman Sachs took a bit of a nose dive, falling 2.5 points in about 4 minutes. Read the OptionsHouse blog entry here: BIG drop in Goldman Sachs – GS

 

OptionsHouse, LLC is an online stock and option broker delivering a fast, streamlined trading experience on its professional-grade trading platform, accessible at www.optionshouse.com/. A licensed FINRA broker-dealer, OptionsHouse was founded in 2005 and is a subsidiary of proprietary option-trading firm, PEAK6 Investments, L.P.

 

Options involve risk and are not suitable for all investors. In addition, electronic trading poses unique risk to investors. System response and access times may vary due to market conditions, system performance and other factors. OptionsHouse provides neither investment nor tax advice. Please read Characteristics and Risks of Standardized Options | Risk Statements and Disclosures | Privacy Policy, copies of which can also be obtained by contacting our Customer Service Department at customerservice@optionshouse.com. © 2006-9 OptionsHouse, LLC All rights reserved. Member of FINRA, SIPC.

 

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Introduction

 

WiseBanyon bills itself as “the world’s first free financial advisor”. Founded in 2014, this automated investment advisor requires that potential clients receive an invitation before applying. You’ll be added to their waitlist following receipt of an invite, but once you’re accepted, it only takes a few days to set up your account. WiseBanyan has 9,400 clients and manages $49 million dollars in assets, much less than many other robo-advisors. WiseBanyan reviews note the digital service’s low AUM in comparison to similar firms. Its financial showing is a combination of its no-fee business model and its status as a new, evolving company.

 

Types of Accounts Supported/Facts

 

WiseBanyan membership is invite-only, and you may have to wait before you can fill out a questionnaire regarding your finances and goals. They accept applications from legal U.S. residents over 18 with a permanent address and Social Security number. H-1B Visa holders with a U.S Social Security number and U.S. address are also eligible to apply.

 

WiseBanyan will verify your identity when you apply for an account, but they don’t conduct a credit check.

 

WiseBanyan has a $1 minimum deposit and requires no annual fee, regardless of your account balance. Clients must pay $95 to transfer their IRA to another broker; it costs $75 to transfer a non-retirement account to another brokerage house.

 

You’ll receive electronic statements for free. A paper statement costs $10 or $150 for 12 monthly reports. A domestic paper check costs $5. If you want to use a wire transfer to send money from WiseBanyan to another financial institution, you’ll pay $25 (domestic) or $50 (international).

 

Apex Clearing conducts and clears all transactions for WiseBanyan and holds investments. The company has registered with SEC and FINRA. It offers SIPC insurance up to $500,000 for clients and lacks FIDC insurance.

 

WiseBanyan supports the following account types:

 

Individual Investment Accounts

 

Roth IRAs

 

Traditional IRA

 

SEP-IRAs

 

Rollover IRAs

 

How the Product Works

 

WiseBanyan creates a risk score for your account based on your answers to financial questions. The company’s algorithms then build a portfolio of exchange-traded funds (ETFs) appropriate to your financial risk assessment. You can always change the amount of financial risk you’re willing to take, and the automated system will update your account to fit the new level.

 

WiseBanyan will use the seven following ETFs (or most of them), in your portfolio:

 

Vanguard REIT ETF

 

Vanguard FTSE Emerging Markets

 

Vanguard Intermediate-Term Government Bond ETF

 

Vanguard Total Stock Market ETF  Vanguard FTSE Developed Markets ETF

 

iShares iBoxx $ Investment Grade Corporate Bond ETF

 

iShares TIPS Bond ETF

 

WiseBanyan omits municipal bonds, natural resources and emerging market bonds from its assets.

 

Once WiseBanyan has set up your account, you can keep track of investments with the easy-to-navigate user interface. It clearly shows your balance, deposits, and withdrawals with accompanying graphs.

 

Features

 

Milestones

 

Set your financial goals with WiseBanyan’s Milestones. You let the advisor know your net worth, income level and time horizon, and it will create a savings plan for you, complete with automatic deposits and rebalancing.

 

Choose from Rainy Day, Retirement, Build Wealth Milestones or create a plan for all three. You can develop a plan for as many Custom Milestones as you want.

 

A Rainy Day Milestone helps you save for unexpected events like a car repair or moving to a new apartment.

 

Choose a Build Wealth Milestone if you want to invest money without a specific goal in mind.

 

Save for the future with a Retirement goal, or create a Custom Milestone for a goal that doesn’t fit in the first three categories.

 

Check on your Milestone details on your online Dashboard. If you want to changeyour asset allocation, use the slider on your Milestone screen. To transfer funds from one milestone account to another, click the “Funding’ tab, and then the “Transfer Funds” tab.

 

When you first use a Milestone account, you may want to auto-deposit monthly, and then change the frequency to weekly as you become more comfortable.

 

WiseBanyan doesn’t let you change the EFTs assigned to your account. A diversified portfolio gives you the best results, and their algorithms choose particular securities for a sound financial reason.

 

Portfolio Rebalancing

 

When you make a deposit,withdrawal, or earn dividends,WiseBanyan rebalances your portfolio for free to reduce your tax burden.

 

Modern Portfolio Theory

 

Like most other automated investment advisors, WiseBanyan adheres to theModern Portfolio Theory, which favors the use of several types of stocks and bonds to minimize risk.

 

WiseHarvesting

 

WiseHarvesting is a form of paid tax-loss harvesting. It turns losses in your account into an opportunity to reduce taxes. Most digital advisors include tax-loss harvesting as a regular part of their service for all clients (or for high-balance customers). WiseBanyan provides this service as a paid option for customers.

 

You can take advantage of WiseHarvesting for a yearly cost of 0.25% of taxable assets and a cap of $20 per month if you have a taxable account. Accounts over

 

$96,000 will give you unrestricted value over a lifetime of use. You don’t need to have a certain minimum balance to use WiseHarvesting.

 

Fractional Shares

 

WiseBanyan can buy fractional shares for your portfolio.

 

Blog and Web Content

 

WiseBanyan offers a blog, financial advice, interviews, and a “Heroes” section on its website. Like WealthSimple, another newcomer to the electronic investment industry, they provide lots of content and financial food for thought on their website.

 

You can contact customer support by phone from 11 a.m. to 7 p.m. Eastern Time, and email support.

 

WiseBanyan offers free Android and iOS apps. Customers rate the apps as being suitable for beginners and being easy to install.

 

Potential Drawbacks

 

WiseBanyan doesn’t offer support for trusts, joint taxable accounts, 401(k)s or 529 college plans. If you have any of these accounts, you’ll need to use WealthFront, Betterment of the more comprehensive automated investment advisors. Another robo-advisor can offer you more benefits if you have any taxable account.

 

WiseBanyan has customer support but lacks personal financial advisors to complement the automated system.

 

You may prefer to use traditional tax-loss harvesting instead of paying a separate fee for WiseHarvesting. The add-on fee might not be worth the cost for many people, even with the otherwise free service.

 

Who Will Benefit from WiseBanyan?

 

This no-cost service serves as a relatively risk-free introduction to digitalinvestment if you’re a beginning investor or have a small balance.

 

WiseBanyan will help you save without a complex layout if you have a retirement account and need a safe, inexpensive digital investment account.

 

Summary

 

WiseBanyan’s free service offers a clear and easy to navigate app, and its l Milestones provide an excellent way to manage several different financial plans.

 

You may wonder how WiseBanyan stays solvent without charging management fees. It offers additional products to clients, like paid tax-loss harvesting, IRAs and investment accounts.

 

Unlike its competitors, WiseBanyan requires no management fee for any customer account. It offers most of the services fee-charging companies do, such as portfolio rebalancing, automatic deposits, and mobile apps.

 

WiseBanyan reviews, while not glowing, praise the company as a new player on the robo-advisor landscape. If you’re a new investor or prefer a digital-only platform, WiseBanyan may be a good option for you.

 

The post WiseBanyan Reviews 2017 appeared first on ExpertFront.

 

from ExpertFront www.expertfront.com/2017/04/28/wisebanyan-reviews-2017/ expertfront.tumblr.com/post/160073630749

Identity / Branding / Collateral / Web GUI / Back-end proprietary technology /

 

ESP, THE Buy-Side Solution, provides settlement aggregation via advanced patent pending post-trade management technology, network and services. ESP connects to over 250 Algo, Broker and DMA venues worldwide through a single fix connection to our broker-neutral global routing network. Clients include leading mutual funds, life insurance companies, pension funds, asset managers and hedge funds.

Brokerage services are provided by Electronic Securities Processing (ESP) LLC.

Member of FINRA, SIPC.

 

FOLIO : www.behance.net/mitch_g

EMAIL : mitch@gstarstudio.com

Fully independent Financial Advisor with and securities and Financial Planning offered through LPL Financial, a registered investment advisor. Member SIPC, www.sipc. org., Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC.

www.psfgwealth.com

plus.google.com/107863573089034475792/about?gl=US&hl=en

10120 S. Eastern Avenue, Suite 200

Henderson, NV 89052

(702) 893-1500

Financial consultant in Lake Oswego.

Amerisal Financial Inc.

3689 Carman Dr. Ste. 200

Lake Oswego, OREGON 97035

503-344-4422

Securities offered through SCF Securities, Inc. - Member FINRA / SIPC Investment Advisory Services offered through SCF Investment Advisors, Inc. 155 E Shaw Ave Suite 102, Fresno CA 93710, Ph: 800-955-2517, Fax: 559-456-6109, SCF Securities, Inc. and Amerisal Financial are not affiliated.

Options involve risks and are not suitable for all investors. Please read Characteristics and Risks of Standardized Options. Content, research, tools, and stock or option symbols are for educational and illustrative purposes only and do not simply a recommendation or solicitation to buy or sell a particular security or to engage in any particular investment strategy. The projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, are not guaranteed for accuracy or completeness, do not reflect actual investment results and are not guarantees of future results. All investments involve risk, losses may exceed the principal invested, and the past performance of a security, industry, sector, market, or financial product does not guarantee future results or returns. TradeKing provides self-directed investors with discount brokerage services, and does not make recommendations or offer investment, financial, legal or tax advice. You alone are responsible for evaluating the merits and risks associated with the use of TradeKing’s systems, services or products. © 2008 TradeKing. All rights reserved. Member FINRA, ISE, and SIPC.

 

Unusual trading activity in LPX Louisiana Pacific on September 22, 2009

 

OptionsHouse, LLC is an online stock and option broker delivering a fast, streamlined trading experience on its professional-grade trading platform, accessible at www.optionshouse.com/. A licensed FINRA broker-dealer, OptionsHouse was founded in 2005 and is a subsidiary of proprietary option-trading firm, PEAK6 Investments, L.P.

 

Options involve risk and are not suitable for all investors. In addition, electronic trading poses unique risk to investors. System response and access times may vary due to market conditions, system performance and other factors. OptionsHouse provides neither investment nor tax advice. Please read Characteristics and Risks of Standardized Options | Risk Statements and Disclosures | Privacy Policy, copies of which can also be obtained by contacting our Customer Service Department at customerservice@optionshouse.com. © 2006-9 OptionsHouse, LLC All rights reserved. Member of FINRA, SIPC.

 

Investors are taking a hard look at the people managing their money.Elliot S. Weissbluth the CEO of HighTower,has been a visionary on this issue for over a decade.In this whiteboard video,Elliot cleverly explains the difference between sales and service,shedding light on the issues surrounding the industry.

For more info about HighTower please visit: hightoweradvisors.com

Securities offered through HighTower Securities, LLC, Member FINRA/SIPC/MSRB, HighTower Advisors, LLC is a SEC registered investment adviser.

 

Компания Tezos продуцирует один скандал за другим.

В этот раз соучредителю компании Артуру Брейтману придется заплатить штраф в результате расследования FINRA (Службы регулирования отрасли финансовых услуг), а также им получен запрет на торговую деятельность в течение двух лет.

 

Суть обвинений св...

 

bitgid.com/tezos-opyat-obeshhaet-skoryj-zapusk-platformy-...

Circle to Seek Federal Banking Licensing with U.S. OCC

 

Circle Internet Financial Ltd has revealed that it is currently seeking to obtain a federal banking license with the U.S. Office of the Comptroller of the Currency (OCC) in order to expand the services available to the company’s customers. It also hopes to pursue registration with the U.S. Securities and Exchange Commission (SEC) as a brokerage and trading venue, which would allow the company to facilitate the trading of tokens deemed to comprise securities.

Also Read: Markets Update: Leading Cryptocurrencies Break Above Bear Channels

Circle Seeks to Gain Banking License with U.S. Regulator

Circle has announced its intention to become the first cryptocurrency company to obtain a banking license.

If successful, the move would allow Circle to hold customer funds in the form of digital coins of fiat currency, in addition allowing it to “hold reserves with the Federal Reserve, to natively access the central-banking system without intermediaries, to directly settle with other banks in other markets around the world through those networks – that can improve the efficiency of what we deliver, it can reduce the costs,” according to Circle’s chief executive officer, Jeremy Allaire.

Circle claims to have already conducted preliminary conversations with the Office of the Comptroller of the Currency regarding potential banking functions.

Circle to Pursue SEC Licensing

Circle has indicated that it expects to pursue licensing with the SEC as a brokerage and trading venue before applying with the OCC for a banking license. SEC registration would allow Circle to legitimately facilitate trading in cryptocurrency assets deemed to comprise securities.

The company claims to have engaged SEC staff and officials from the Financial Industry Regulatory Authority (Finra). As of this writing, the OCC, SEC, and Finra are all yet to comment publicly regarding Circle’s ambitious intentions.

Lack of Norms Surrounding Custodianship of Cryptocurrency Assets

In seeking a banking licensing, Circle has expressed that it hopes it can shape the practices and standards surrounding holding cryptocurrency assets.

“The regulators need to figure this out because eventually other banks that they regulate are going to want to hold crypto,” Mr. Allaire said. “They’re going to need to have rules for this. We can be a great guinea pig.”

Do you think that we will see more cryptocurrency companies seeking to obtain federal banking licensing? Join the discussion in the comments section below!

Images courtesy of Shutterstock, Wikipedia, Circle Internet Financial Ltd.

Need to calculate your bitcoin holdings? Check our tools section.

The post Circle to Seek Federal Banking Licensing with U.S. OCC appeared first on Bitcoin News.

 

source: news.bitcoin.com/circle-seek-federal-banking-licensing-with-u-s-occ/

Post source: Circle to Seek Federal Banking Licensing with U.S. OCC

 

#bitcoin #news #cryptonews #cryptocurrency #dailybitcoinnew

1725 K Street building being demolished to make way for a glass and steel structure.

OptionsHouse, LLC is an online stock and option broker delivering a fast, streamlined trading experience on its professional-grade trading platform, accessible at www.optionshouse.com/. A licensed FINRA broker-dealer, OptionsHouse was founded in 2005 and is a subsidiary of proprietary option-trading firm, PEAK6 Investments, L.P.

 

Options involve risk and are not suitable for all investors. In addition, electronic trading poses unique risk to investors. System response and access times may vary due to market conditions, system performance and other factors. OptionsHouse provides neither investment nor tax advice. Please read Characteristics and Risks of Standardized Options | Risk Statements and Disclosures | Privacy Policy, copies of which can also be obtained by contacting our Customer Service Department at customerservice@optionshouse.com. © 2006-9 OptionsHouse, LLC All rights reserved. Member of FINRA, SIPC.

For more than 65 years, Porte Brown LLC has provided accounting services to individuals and businesses throughout Chicago and the suburban areas. Porte Brown specializes in tax planning and preparation services, audit, business valuations, retirement plan administration and consulting. The CPA firm also focuses on technology solutions, providing computer consulting for clients, either by establishing a new network for their operational and accounting needs or working with an existing network with the help of Porte Brown Technology Solutions. Wealth management services provided by Porte Brown Wealth Management LLC. Securities offered through 1st Global Capital Corp., Member FINRA, SIPCA Investment advisory services offered through 1st Global Advisors, Inc.

 

Porte Brown LLC

845 Oakton St

Elk Grove Village, IL 60007

Phone: (847) 956-1040

Fax: (847) 956-6780

Contact Person: Pam Metzger

Contact Email: pmetzger@portebrown.com

Website: www.portebrown.com

You Tube URL: www.youtube.com/watch?v=7MlLC8PRMHU

You Tube URL: www.youtube.com/user/portebrown

 

Main Keywords:

accounting firm, tax accountant, irs representation, payroll services, audit services, management consulting, technology solutions, accounting software solutions, wealth management, intacct software, traverse software, quickbooks

 

President Barack Obama drops by a meeting with the President’s Advisory Council on Financial Capability (PACFC), in the Roosevelt Room of the White House, Feb. 19, 2013. Participants include: Racquel Russell, DAP for Urban Affairs and Economic Mobility; acting Treasury Secretary Neal Wolin; Cecilia Muñoz, Domestic Policy Council Director; National Economic Council Director Gene Sperling; Michael Strautmanis, Counselor to the Senior Advisor for Strategic Engagement; John Rogers, Chairman of the Council and CEO of Ariel Investments; Amy Rosen, Vice Chair of the Council and CEO of the Network for Teaching Entrepreneurship (NFTE); Janie Barrera, CEO of ACCION Texas Inc.; Roland Arteaga, CEO of the Defense Credit Union Council; Ted Beck, The National Endowment for Financial Education; John Hope Bryant, CEO and founder of Operation HOPE; Samuel T. Jackson, CEO and founder of The Economic Empowerment Initiative, Inc.; Richard Ketchum–Chairman and CEO, the Financial Industry Regulatory Authority (FINRA); Beth Kobliner, Personal Finance Commentator, Journalist and Author; Carrie Schwab-Pomerantz, President of The Charles Schwab Foundation; Eldar Shafir, Professor of Psychology and Public Affairs in the Department of Psychology and the Woodrow Wilson School for Public and International Affairs at Princeton University. Administration participants: inlcude: Cyrus Amir-Mokri , Assistant Secretary for Financial Institutions at the U.S. Department of the Treasury; Melissa Koide, Deputy Assistant Secretary, Office of Consumer Policy at the U.S. Department of the Treasury; David Soo, Senior Policy Analyst and Senior Adviser for Financial Education at the U.S. Department of Education. (Official White House Photo by Pete Souza)

 

This photograph is provided by THE WHITE HOUSE as a courtesy and may be printed by the subject(s) in the photograph for personal use only. The photograph may not be manipulated in any way and may not otherwise be reproduced, disseminated or broadcast, without the written permission of the White House Photo Office. This photograph may not be used in any commercial or political materials, advertisements, emails, products, or promotions that in any way suggests approval or endorsement of the President, the First Family, or the White House.

Title: De' ragguagli di Parnaso ..

Identifier: deragguaglidipar01bocc

Year: 1612 (1610s)

Authors: Boccalini, Traiano, 1556-1613 Briani, Girolamo, 1581-1646

Subjects: Political science

Publisher: In Venetia, Appresso Pietro Farri

  

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ritorno per la Marca, dal.quale con ajfettion grande di buonifsimo amore efsendojìato accettato, e condotto alfuopaefe ,per quejlo ordinariofi fono hauute lettere di ^Macerata de xij. del corrente , lequali danno auuifo > che la. cordale > & amoreuole natio*ne Marchegiana,nonfolo volontieri ha ricettato ilMefse-re ,mache col Baldacchino di broccato con ogni pompapoffibtle lha ammefso nella fuapatria.eehe il Me [sere in con-tracambio delle infinite cortefie riceuute, il giorno dopo ilfuo arriuo, a ì ^Marchigiani infegno il vero mododi cuocere v» buon pcz^o di lon^a arrojìo, efar con efsailfaporitopan vnto, conlafciar andare super lo caminoquel fumo, che a T^apotitani, & alle al-tre Trattoni*chepiùftudiano alla vanità dipa^rere che allafojìanza di e fie-re ferueper com-panati*co* DI 24 RAGGVAGLI DI ORDINE DI APOLLO iCenforidi Paniafo hauendo pubblicato viirigorofo editto contro gìH<ppocnti, pervngraue particolare (coperto loro da Platone fono forzati moderarlo.

 

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Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability - coloration and appearance of these illustrations may not perfectly resemble the original work.

Dylan read 10 books to earn a piggy bank during the Apache Junction Public Library's reading program this fall. This program is made possible by a grant from the FINRA Investor Education Foundation through Smart investing@your library®, a partnership with the American Library Association.

Robyn read 10 books to earn a piggy bank during the Apache Junction Public Library's reading program this fall. This program is made possible by a grant from the FINRA Investor Education Foundation through Smart investing@your library®, a partnership with the American Library Association.

Dylan read 10 books to earn a piggy bank during the Apache Junction Public Library's reading program this fall. This program is made possible by a grant from the FINRA Investor Education Foundation through Smart investing@your library®, a partnership with the American Library Association.

Monique read 10 books to earn a piggy bank during the Apache Junction Public Library's reading program this fall. This program is made possible by a grant from the FINRA Investor Education Foundation through Smart investing@your library®, a partnership with the American Library Association.

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OptionsHouse, LLC is an online stock and option broker delivering a fast, streamlined trading experience on its professional-grade trading platform, accessible at www.optionshouse.com/. A licensed FINRA broker-dealer, OptionsHouse was founded in 2005 and is a subsidiary of proprietary option-trading firm, PEAK6 Investments, L.P.

 

Options involve risk and are not suitable for all investors. In addition, electronic trading poses unique risk to investors. System response and access times may vary due to market conditions, system performance and other factors. OptionsHouse provides neither investment nor tax advice. Please read Characteristics and Risks of Standardized Options | Risk Statements and Disclosures | Privacy Policy, copies of which can also be obtained by contacting our Customer Service Department at customerservice@optionshouse.com. © 2006-9 OptionsHouse, LLC All rights reserved. Member of FINRA, SIPC.

BB&T WEALTH

Michelle B Hetager, RP®

Vice President

Private Advisor

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Dedicated exclusively to you — Wealth Solutions Center is available Monday through Friday from 7:00am to 7:00pm at1-800-388-3085

Simply call 1-800-388-3085. You’ll reach a knowledgeable BB&T Wealth team member who is focused on serving clients with accounts like yours, so you can get the information you need quickly and easily. The Wealth Solutions Center can:

Schedule appointments with me and other BB&T partners

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Have questions? Here’s your answer — 1-800-388-3085.

 

I

Title: Idea de vn principe politico christiano : representada en cien empressas

Identifier: devnprincipepoli00saav

Year: 1666 (1660s)

Authors: Saavedra Fajardo, Diego de, 1584-1648

Subjects: Political science Education of princes Kings and rulers Emblems

Publisher: En Madrid : Por Andres Garcia de la Iglesiia, y a su costa ...

  

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reflas, lifonjeados de fus miniftroscon jo gloriolb/in aduerrirlcs la in jufíicia,ó in-conuenientesdelos mcdios^y hallándole delpuesempeñados le pierden. Y alsidixo elReyD.Alo-- , Co,que fo he juinas honraste fm pro,no deue el Rey cob^ X.3. / .3. par.z. didarcHfn corafon,atJtes fe deue mucho guardar de^lias,porque lo que es ademas,tion puede durar ,€ per^dtendojc^e wenguando,torna endeshonra.E la honra^ueesdefia guíp,l¡emprepreUie)tedañoddlaal(¡uel^jigue^najciendoleetide trabajos,c cofias grandes,e finra:^on,menop:abando lo<]ue tiene por lo quecohdícU^«er. Aquella gloria es fcgura que nace de la gc-nerofidad^y fe contiene dentro de la razón, y delpoder. Siendo la fama , y la infamia las que obligan aobrar bien,y conferuandofe ambos con la hiílo-ria,conuiene animar con premios a los hiftoria-dorcs,yfauorecerlasImprentas,telbrerias de laQulntAecUm, gloria.donde fcbre el depoíito de los ligios 27^. fe libran los premios de las haza- ñas ^enerofas. (O Pro- TOLITICAS. 9y

 

Text Appearing After Image:

P Ron erbio fue de los antiguos: Purpura iuxt(t^piíron-r^ m duíidicandfi ,paia moílrar q las ccíasfe conocen mcjov coala cóparaeion de vnas coaotras,y principalmérc aquellas que por íimiímas>aaíc pueden juzgar bien.como h:.zen los merca-deres,cotejando vnas plecas de purpura cóotras^.para q lo íubidodeftadefcubraJo baxo de aque-lla,Y Te ha;a eriim?.ci5 cierra de r mbas. Auia en elteniplode lupitcrCapitoiinovnmatode grana,(otcitade vn Rey de Períía)tan realcada, qivs las?purpuras de las MatrcnasRomanas,y las dd mií-mo EmpeVadior Aurehano parcela de color de ceni za cerca del.Si V. A.quiíierc cotejar,y conocerquádo tea Rey,losquilatcs,y valor de íu purpuraRe:.l,no la ponga a las luzes,y cambiantes ce losaduladores,y lironjeros,porqiicledeflumbrara la.¥iil^.;y hallara euelia dcímemido ci color. Ni la^ 96 EMTKESSAS: ñe V. A. del amor propno,que es como los Ojos,ique ven a los demás,pero no a íi miímos.McueC-ter ferá que como ellos le dexan conocer repre-fentadas

  

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