text:
Top Financial Advisor Firms in Ohio
by Chris Thompson Updated September 14, 2020
Finding a Top Financial Advisor Firm in Ohio
Ohio is home to some of the largest and most popular financial advisor firms in the nation. While this might sound like a blessing, it could make the decision process that much more difficult and confusing for prospective clients. To ease this overwhelming situation, SmartAsset created this list of the top 10 financial advisor firms in Ohio. And to help you differentiate between the firms, we've outlined each firm's fees, account minimums, specialties and more. The SmartAsset financial advisor matching tool can even further simplify the decision process by pairing you with advisors near you.
Assets Managed
Minimum Assets
1 Fort Washington Investment Advisors Inc Find an Advisor
$62,466,368,235 Varies based on account type
Selection of other advisers
Sub-advisory
Varies based on account type
2 Bahl & Gaynor Investment Counsel Find an Advisor
$15,521,518,193 $750,000
Selection of other advisors (including private fund managers)
Publication of periodicals or newsletters
3 Johnson Investment Counsel, Inc. Find an Advisor
$13,117,965,833 $1,000,000
Pension consulting services
4 MAI Capital Management, LLC Find an Advisor
$7,166,355,403 $500,000
Pension consulting
Selection of other advisors
Due diligence/research
5 Bartlett Wealth Management Find an Advisor
6 Clearstead Advisors, LLC Find an Advisor
$5,777,114,355 No set account minimum
Publication of newsletter/periodicals
Investment consulting services to 401(k), endowment, founation and healthcare clients
No set account minimum
7 Truepoint, Inc. Find an Advisor
8 CM Wealth Advisors LLC Find an Advisor
$2,937,697,827 Varies based on account type
Portfolio managment
9 Hamilton Capital Find an Advisor
10 Meeder Asset Management, Inc. Find an Advisor
$ 2,813,484,981 Varies based on account type
How We Found the Top Financial Advisor Firms in Ohio
SmartAsset only considered Ohio-based financial advisor firms that are registered with the U.S. Securities and Exchange Commission (SEC) for this list. That's because they have a fiduciary duty to act in clients' best interests. If a firm had disciplinary issues on its record, it was taken out of consideration. Same goes for firms that don't offer financial planning or whose clients aren't at least half individuals. We then took the top 10 firms based on assets under management. They're listed here, starting with the largest. All information is accurate as of the writing of this article.
Fort Washington Investment Advisors Inc
Number of Advisors
Time in Business
Fee-based
https://www.westernsouthern.c…
Fort Washington Investment Advisors Inc is a fee-based investment advisor based in Cincinnati. With more than $62.4 billion in assets under management, it is by far the largest advisor on this list. (It's also on our list for the top 10 firms in the U.S.) The firm has 91 advisors managing money for clients, with all individual clients being high-net-worth. Fort Washington also manages money for institutional clients including investment companies, pooled investment vehicles, pension and profit-sharing plans, charitable organizations, state or municipal government entities, insurance companies and other corporations. The minimum account size depends on the investment strategy, ranging from $500,000 to $50 million.
The private client team includes four certified financial planners (CFPs), three chartered financial analysts (CFAs) and two chartered alternative investment analysts (CAIAs).
Fees for investment management are based on a percentage of assets under management. Some employees of Fort Washington are also brokers or insurance agents who collect transaction-based fees. This is a potential conflict of interest, but advisors are bound by their fiduciary duty to act in the best interest of the client.
Fort Washington Investment Advisors Background
Fort Washington was founded in 1990. The principal shareholders in the firm are: Western & Southern Mutual Holding Company, Western & Southern Financial Group, The Western and Southern Life Insurance Company and Western & Southern Investment Holdings, LLC.
Services offered at the firm include:
Institutional advisory services
Fort Washington Investment Advisors Investing Strategy
A number of investment strategies and securities may be used by advisors at Fort Washington. These include:
Long-term purchases
Short-term purchases
Domestic and international equities
Private equity investments
Bahl & Gaynor Investment Counsel
https://www.bahl-gaynor.com/
Bahl & Gaynor Investment Counsel is a fee-only firm based in Cincinnati. It manages more than $15.5 billion. All of the firm's individual clients are high-net-worth. The firm also advises institutional clients including investment companies, pension and profit-sharing plans, charitable organizations, state or municipal government entities and other corporations. Bahl & Gaynor requires a minimum account size of at least $750,000, and it charges a minimum annual fee of $7,000. Fees are based on a percentage of assets under management and advisors do not make commissions for selling securities or financial products to clients.
There are 22 advisors on staff at Bahl & Gaynor. That includes 10 chartered financial analysts (CFAs), nine chartered investment counselors (CICs), three certified financial planners (CFPs), one chartered wealth manager (CWM) and one certified public accountant (CPA).
Bahl & Gaynor Investment Counsel Background
Bahl & Gaynor Investment Counsel was founded in 1990. The principal shareholders of the firm are all senior officers at the firm, including co-founders William F. Bahl, chairman, and Vere W. Gaynor, president.
Cash flow planning
Bahl & Gaynor Investment Counsel Investment Strategies
The following investment management model portfolios are available for Bahl & Gaynor clients:
Quality Growth
Income Growth
Mid Cap Growth
Small Growth
Smig (Small/Mid Cap Income Growth)
Total Return Bond Strategy
Johnson Investment Counsel, Inc.
3777 West Fork Road
https://www.johnsoninv.com/
With more than $13.1 billion in assets under management, Johnson Investment Counsel, Inc. is next on the list. The fee-only firm is based in Cincinnati and is also third on SmartAsset's top Cincinnati financial advisors list.
There are 68 members on the advisory staff at Johnson Investment Counsel. Across this group, you'll find 27 chartered financial analysts (CFAs), 20 certified financial planners (CFPs), two certified trust and financial advisors (CTFAs), two chartered alternative investment analysts (CAIAs), one certified public accountant (CPA), one accredited investment fiduciary (AIF), one chartered life underwriter (CLU), one chartered financial consultant (ChFC)and one certified investment management analyst (CIMA).
More than 2,000 of the firm's roughly 3,500 individual clients do not have high net worths. Aside from individuals, the firm also works with trusts, estates, investment companies, businesses, government entities, pension and profit-sharing plans and charitable organizations. The firm calls for a minimum account size of $1,000,000.
Johnson Investment Counsel Background
Johnson Investment Counsel was founded in 1965. Its ownership is split among 33 employees.
To manage client assets as comprehensively as possible, this firm employs six different pillars of financial management. These pillars include goal-based financial planning, investment management, retirement planning, insurance analysis, income tax planning and estate planning.
Johnson Investment Counsel Investing Strategy
Rather than have one advisor form each client's portfolio and investment plan, Johnson Investment Counsel prefers to work as a group. The firm believes this plays to its collective experience and allows clients to benefit from the entire team's knowledge.
Portfolios are primarily made up of exchange-traded funds, stocks, bonds and mutual funds. However, the exact mix depends on each client's risk tolerance, time horizon and other factors.
MAI Capital Management, LLC
1360 East 9th Street
https://mai.capital/
As a top financial advisor firm in Cleveland, MAI Capital Management, LLC has more than $7.1 billion in assets under management. The firm's client base is primarily comprised of high-net-worth individuals, but it also includes less affluent individuals, pension and profit-sharing plans, trusts, foundations, endowments and corporations. The firm says it specializes in working with senior business executives and sports professionals.
The fee-only firm recommends that new clients open accounts with at least $500,000, though some investment strategies require only a $250,000 minimum. The team includes 22 certified financial planners (CFPs), 11 certified public accountants (CPAs), six chartered financial analysts (CFAs), two chartered retirement planning counselors (CRPCs), two chartered life underwriters (CLUs), one certified private wealth advisor (CPWA), one chartered financial consultant (ChFC) and one chartered market technician (CMT).
MAI Capital Management may charge performance-based fees if your portfolio outperforms its original projections. Performance-based fees are considered a conflict of interest (advisors have an incentive to take more risks), but as a fiduciary, the firm is required to act in clients' best interests.
MAI Capital Management Background
MAI Capital Management was originally established as Investment Advisors International, Inc. in 1973. After a number of acquisitions and mergers, the firm was renamed as MAI Capital Management in 2014. The firm's primary owner is Richard Buoncore, a managing partner at the firm.
MAI offers general investment management for investors who don't have a specific objective in mind. For those that do, the following goals-based services are available:
Insurance review and analysis
Tax planning and minimization
Philanthropic gift planning
MAI Capital Management Investing Strategy
At MAI Capital Management, your risk tolerance, time horizon and liquidity needs will collectively determine your portfolio's composition. Also, the tax implications of an investment will strongly influence the firm's decisions.
Additionally, market timing comes into consideration, though the firm primarily takes a long-term approach. MAI isn't totally against using short-term strategies because these can potentially garner quick returns, albeit with a higher level of risk.
Bartlett Wealth Management
https://bartlett1898.com/
Bartlett Wealth Management generally requires a minimum investment of $500,000 to begin a client relationship. It's a fee-only firm that manages assets for more than 1,800 individuals who are almost evenly split between those who do and don't have high net worths. The firm also works with foundations, endowments, corporate and non-profit retirement plans, public funds and Taft-Hartley plans.
Cincinnati is home for this firm that is in the fourth spot on SmartAsset's list of the top financial advisor firms in the city. Bartlett's 30-person advisory team holds many advisor certifications, including 14 chartered financial analysts (CFAs), nine certified financial planners (CFPs), two registered life planners (RLPs), one certified public accountant (CPA), one chartered alternative investment analyst (CAIA), one certified divorce financial analyst (CDFA), one certified exit planning advisor (CEPA) and one accredited domestic partnership advisor (ADPA). (Advisors may have more than one credential.)
Bartlett Wealth Management Background
Bartlett Wealth Management has been in business since 1898, making it one of the oldest financial advisor firms in the U.S. Focus Operating, LLC mostly owns the firms, while some employees have small stakes.
The firm's services are divided into two major areas: investment management and financial planning. Its investment management services encompass different styles of investing, such as equity management, fixed income, alternative investments and environmental and social investing. Its financial planning services each focus on more specific needs and include:
Financial impact of divorce
Managing an inheritance
Stock option exercise
Birth of a child/grandchild
Coping with an elderly parent
Coping with the death of a spouse
Charitable gift planning
Early retirement package planning
Large stock position management
Bartlett Wealth Management Investing Strategy
Diversification is important to most firms in today's financial advising world, and Bartlett Wealth Management is no exception. The firm invests in noncorrelating asset classes across stocks, exchange-traded funds, mutual funds and some international investments.
The firm is also an active investment manager, which sets it apart from many similar firms. Through this ideology, Bartlett strives to maximize the possibility of high returns while minimizing risk by consistently moving assets to try to take advantage of changing opportunities in the market.
Clearstead Advisors, LLC
https://www.clearstead.com
This fee-only Cleveland firm works with roughly three times as many high-net-worth individuals as non-high-net-worth individuals. Rounding out its typical clientele are retirement funds, endowments, foundations and operating funds for both nonprofit and for-profit organizations, insurance companies and healthcare institutions. The firm does not list a set account minimum.
Clearstead Advisors, LLC non-institutional team includes seven chartered financial analysts (CFAs), three chartered alternative investment analysts (CAIAs), two certified financial planners (CFPs) and one certified public accountant (CPA). Clearstead is also engaged in an accounting firm business.
Clearstead Advisors Background
Until 2018, Clearstead Advisors was known as Hartland & Co. The firm is owned by three different companies: Hartland Holdings, Inc., Hartland Management Investors, LLC and Rosemont Partners III, LP. The two Hartland groups are made up of employees of the firm, which was originally formed in 1989.
This firm builds unique investment and financial plans for each of its clients as opposed to pairing clients with previously created solutions. The firm's stated areas of expertise are retirement and healthcare management for institutions and family financial management for private clients.
Clearstead Advisors Investing Strategy
Clearstead Advisors believes it can build successful portfolios by working to control risk. While this isn't necessarily a novel idea, this emphasis helps to reduce a portfolio's market volatility, making it more stable over the long term.
The firm combines both active and passive investment strategies. This marriage of two approaches allows the firm to take advantage of broad opportunities in the market.
Truepoint, Inc.
9999 Carver Road
https://truepointwealth.com/
Though Truepoint, Inc. has just 26 advisors on staff, its team holds a total of nearly 50 certifications. The firm has 31 certified financial planners (CFPs), 14 certified public accountants (CPAs), seven chartered financial analysts (CFAs), three certified trust and financial advisors (CTFAs), one chartered alternative investment analyst (CAIA) and one certified estate planner (CEP) on staff. The Cincinnati-based operation is on SmartAsset's list of the top financial advisor firms in Cincinnati.
Truepoint does not require a minimum balance to open an account. However, the fee-only firm's client base is made up of mass affluent and high-net-worth individuals. It also works with families, trusts, businesses, qualified plans and foundations.
Truepoint Background
Truepoint, Inc. was founded in 1990 by CEO Michael Chasnoff. The firm is currently employee-owned. Its team of financial planners, investment managers and wealth advisors has a wide range of experience levels, from newbies to industry veterans.
The practice offers investment management, financial planning, wealth management(which is the first two combined) and family office services. Based on your financial situation, goals and other factors, your advisor will determine which services are appropriate. People with less than $3 million in investable assets may be pointed toward RhineVest Advisors, a subsidiary of Truepoint and hybrid robo-advisor (a digital platform with ongoing personal guidance).
As far as financial planning topics go, the firm can help you with:
Risk and insurance planning
Budget creation
Coordinated personal action plans
Truepoint Investing Strategy
Rather than attempt to beat the market, Truepoint engages in passive investing, which statistically outperforms active investing, which comes with high costs and requires a lot of luck. Like many, the firm believes in long-term investments that are goal-focused and low cost. The firm also relies on a "buy-hold-rebalance" strategy, as it believes that rebalancing is an important tool for achieving long-term financial success.
CM Wealth Advisors LLC
2000 Auburn Drive
https://www.cmwealthadvisors.…
Fee-only financial advisor firm CM Wealth Advisors LLC has more than $2.9 billion in assets under management. Nearly all of its individual clients have high net worths. The firm also advises institutions, including pooled investment vehicles and charitable organizations. There are seven advisors on staff with a range of credentials, including the certified public accountant (CPA), accredited estate planner (AEP), chartered financial analyst (CFA) and certified financial planner (CFP) designations.
Generally, the practice requires that investment advisory clients have at least $5 million in assets under management. Participants in the wealth management advisory services program need at least $10 million.
Fees are based on a percentage of assets under management. Advisors do not earn commissions for selling insurance or financial products to clients.
CM Wealth Advisors Background
CM Wealth Advisors was founded as a single family office in 1983. In 2000, it branched out and took on other family clients, and after a couple of name changes, it settled on its current name, CM Wealth Advisors LLC, in 2019. The firm is owned by a holding company, CMWA, LLC. The holding company is owned and managed by its members, all of whom are employees and officers of CMWA. James W. Wert, the CEO of the company, is the only person to own 25% or more of the holding company.
Services offered by CM Wealth Advisors include:
Investment advising
CM Wealth Advisors Investment Philosophy
CM Wealth Advisors believes that every client is different and needs their own plan to make the best of their own financial situation. There are a few rules, though, that the firm and its advisors tend to abide by:
Diversification is good.
Top active managers can outperform passive investments.
Take advantage of less-efficient markets.
Pooling assets is powerful.
Look farther ahead than just the next quarter.
Hamilton Capital
5025 Arlington Centre Blvd
http://www.hamiltoncapital.co…
With more than $2.8 billiion in assets under management, Hamilton Capital joins the list this year. It's also on our list of top advisor firms in Columbus. The firm is fee-only, which means that advisors collect compensation only from clients. They do not receive transaction-based fees from third parties, which can pose conflicts of interest.
The team in Columbus and branch office Palm Beach, Florida number 43. They include 29 certified financial planners (CFPs) and many other certifications, including for chartered financial analyst (CFA), certified public accountant (CPA), accredited investment fiduciary (AIF), certified investment management analyst (CIMA) and certified divorce financial analyst (CDFA).
The majority of clients do not have high net worths, though a high number of clients do (1229 to 839). The firm also works with foundations, endowments, and qualified and non-qualified retirement plans. The firm has a minimum account size requirement of $500,000, and it charges a $1,250 minimum quarterly annual fee to wealth management clients. Investment management services may also have an annual minimum fee.
Hamilton Capital Background
R. Matthew Hamilton founded his namesake firm in 1997. Over the years, he's won a number of awards, including being named to Barron's "America's Top 1,200 Financial Advisors" and Mutual Funds magazine's "100 Great Financial Planners." Today, he is the firm's majority owner and serves as chairman and CEO.
The practice considers investment management as its core service. It also offers wealth management, which combines investment management with financial planning. Additionally, the firm acts as co-advisor to other advisors and offers non-investment consulting on such topics as estate planning, insurance and tax planning.
Hamilton Capital Investing Strategy
Hamilton Capital takes a top-down, macro-economic approach to investing, starting with its analysis of global macro-economic and political conditions. It then estimates the valuation and expected return and risk for a range of asset classes - and runs a range of scenarios. With its analysis of base case ranking of returns and the outcomes of other scenarios, the advisory will design a portfolio customized to the client's goals and chosen investing strategies. Generally, the firm will use mutual funds, exchange-traded funds, third-party investment managers, alternative investments or similar vehicles.
Meeder Asset Management, Inc.
$ 2,813,484,981
http://www.meederinvestment.c…
Last but not least, Meeder Asset Management, Inc. also joins the list this year. Its team of 43 advisors work with more than 1,000 individuals, all of whom currently do not count as high-net-worth. The firm also serves businesses, institutions, retirement plan sponsors and participants and the Ohio local government investment pool. Account minimums depend on the account type.
Some advisors may be brokers and/or insurance agents. In these non-advisor roles, they collect transaction-based fees, which may pose potential conflicts of interest. That said, as an SEC-registered firm, Meeder Asset Management must always put clients' interests ahead of its own. Advisor certifications include for chartered financial analyst (CFA), chartered alternative investment analyst (CAIA), certified financial planner (CFP) and chartered market technician (CMT).
Meeder Asset Management Background
Robert Meeder, Sr. founded his namesake firm in 1974. According to the advisory, it pioneered what it calls Defensive Equity strategy but is more commonly known as tactical investing. Today, his son, Bob Meeder, serves as president and CEO, which he has done since 1995. Meeder controls the firm through a family trust, while seven other officers have small stakes.
Meeder Asset Management primarily offers investment management through wrap fee programs and its portfolio program, which provides direct access to the company's investment funds. The firm also provides financial planning and consulting, works with retirement plan sponsors and advises STAR Ohio, a local government investment pool.
Meeder Asset Management Investing Strategy
As noted earlier, Meeder Asset Management is a long-time practitioner of defensive or tactical investing, which is the foundation of its investing approach. The firm says that it specializes in quantitative investment analysis, which is a method of evaluating securities that uses large amounts of data and quantitative models.
Once the firm understands your financial situation and goals, it will recommend investment solutions from its array of offerings, including Meeder Funds, model portfolios, separately managed accounts and individually managed accounts. Investments may also include unaffiliated mutual funds, exchange-traded funds, closed-end funds, fixed income securities, individual equities and alternative investments.
Choosing a financial advisor
See our retirement calculator
See our investment calculator
Show 2017 Show 2018 Show 2019 Show 2020
How Long $1mm Lasts in Retirement
SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.
Housing Expenses
Food Expenses
Healthcare Expenses
Utilities Expenses
Transportation Expenses
Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.
First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.
We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.
Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research


Best Little Tikes Ride-On Toys Offers Online OffersRise and Shine October 21 - Walgreens scenarios, site-wideCheap Little tikes toy on sale: กันยายน 2010Toyrus Coupon , 2015 Best Auto ReviewsSave Up to 40% Off Little Tikes Toys! As Low As $8.99!
RUNNNN!! Little Tikes Toy Chest PRICE DROP!! Free Shipping!!


text:
Hanson är en ort i Hopkins County, Kentucky, USA. År 2000 hade orten 625 invånare. Den har enligt United States Census Bureau en area på 6,1 km², allt är land.

Orter i Kentucky
Hopkins County, Kentucky

redpajama_set_name: RedPajamaWikipedia


text:
Top Silver Mining CEO: Don't Laugh, We Could See $100+ Silver
Want More Precious Metals News? Subscribe to Our Podcast!
You can also subscribe here: Google Play | Spotify | SoundCloud
Interview with: Keith Neumeyer
Exclusive Interview with First Majestic CEO Keith Neumeyer on Metals, Mining, and Manipulation
Don't want to listen? Read the podcast below!
Welcome to this week's Market Wrap Podcast, I'm Mike Gleason.
Coming up we'll hear from Keith Neumeyer, CEO of First Majestic Silver Corp. Keith updates us on the state of the mining industry, how ridiculous and ultimately damaging the futures market has become, and why he believes the possibility of triple digit silver is NOT ridiculous. Don't miss a fantastic interview with Keith Neumeyer, perhaps the most outspoken leader in the entire precious metals mining industry. But first, this week's market update.
Precious metals markets are rallying strongly and showing signs of breaking out on the charts. Gold prices closed above the 200-day moving average on Wednesday, and on Thursday gold finished up at its highest level since last October. As of this Friday morning recording the metals are retreating a little bit, gold prices are up 2.8% on the week to trade at $1,150 an ounce.
Silver prices meanwhile come in at $14.77 an ounce on the heels of a 3.4% advance this week. The rally caused silver prices to break out of a three-month trading range to the upside.
Also participating in the precious metals rally: platinum and palladium. The platinum market got off to a poor start in January, but this week's 3.4% advance puts platinum back into positive territory for the year at $904 an ounce. Palladium remains in negative territory for the year, but prices have been moving up this week. Palladium is up by 2.0% to trade at $512.
Metals got a boost this week from a falling U.S. dollar. The Dollar Index plunged more than 3% as doubts grew about the Federal Reserve's willingness to raise rates at all this year. New York Fed President William Dudley noted that deteriorating financial conditions would weigh on the Fed's next rate decision in March. More and more players see the Fed's recent moves as a "policy error," and a consensus is forming that the central bank will stand pat next month rather than hike rates. In fact, futures markets suggest the chance of any hike this year are now less than 50%.
It's conceivable that the Fed's next move could be to follow the likes of Europe and Japan down the path of negative interest rates. With an election approaching, the Fed will be under pressure from Democrats to stimulate the economy – and negative rates may be all that Janet Yellen's crew know to do if the stock market is crashing and economic indicators are turning down.
Earlier this week, Fed critic Rand Paul abruptly announced that he was dropping out of the presidential race after a 5th place showing in the Iowa caucuses. Many sound money advocates are left disappointed that Senator Paul's campaign floundered. Rand Paul was a leading voice in the GOP field for auditing the Federal Reserve and reforming the monetary system. However, Rand was never able to match the level of excitement and popular support that Ron Paul's run for the Republican nomination generated in both 2008 and 2012.
Four years ago, it was Ron Paul versus the establishment. This time around, it was Rand Paul along with Ben Carson, Ted Cruz, and Donald Trump vying for the anti-establishment vote. Both Cruz and Trump remain viable contenders, with Trump a loser in Iowa but still the front-runner in national polling.
Ted Cruz was called out by Rand Paul in the last debate for missing the Audit the Fed vote. But of the remaining candidates, Cruz seems to be the most supportive overall of sound money principles. He has said he favors restoring gold backing to the dollar.
Donald Trump, meanwhile, hasn't said much about how he'd reform the monetary system. He's complained about the Fed's money printing and its enabling of the huge debts Congress is running up. But Trump hasn't yet proposed specific sound money policies.
History shows that a gold-backed sound dollar promotes a sound economy and sound fiscal policies because the government is forced to live more within its means. Former presidential candidate and sound money advocat Steve Forbes made that point in my interview with him last week.
It's the habit of politicians to promise voters more than they can deliver and never to admit of the need to cut programs. Since the U.S. abandoned the gold standard entirely in 1971, Congress has never been forced to cut spending. Even when faced with trillion-dollar deficits, Congress keeps spending. Because it can. Because members of Congress know that the Federal Reserve will back them up by artificially lowering the government's borrowing costs and buying up government bonds if necessary.
As long as the Fed has the ability to drive down interest rates, expand the money supply, and buy up government debt at will, there's little reason to believe that the next Congress or the one after that will want to cut the bloated federal budgets and sprawling bureaucracies. That's not to say that elections don't matter. They do. But voters should be very skeptical of any candidate who touts small government or fiscal responsibility or balanced budget proposals unless that candidate also has a plan to implement sound money reforms.
Well now, without further delay, let's get right to this week's exclusive interview.
Mike Gleason: It is my privilege, now, to be joined by Keith Neumeyer, founder and CEO of First Majestic Silver Corp. One of the top Silver mining companies in the world.
Keith has an extensive background in the resource and finance sectors, and has been an outspoken voice about concerns that there is some level of price suppression going on in the silver futures market. It's a real privilege to have him on with us today.
Keith, thank you so much for joining us, and welcome.
Keith Neumeyer: Well thanks, Mike, I appreciate your time.
Mike Gleason: Well, there's so much I want to ask you about, so I'll just get right into it now.
As we're talking here on Thursday, we're seeing a continuation of a modest but positive price action in the metals. A rally seems to be a longtime coming here. I'm sure it's a welcome sight to folks like you. We'll see if it ends the week on an up note, here, and if the rally can continue.
I want to start out by asking you about the futures market, which you have been openly critical of. There is some concern that exchanges, like the COMEX may be impeding discovery of the true market price for gold and silver. There have been many examples of games being played. You've got huge sell orders being dropped on the markets in the middle of the night or during other periods of low liquidity. Then, you have banks actually admitting to rigging the London Fix and sticking it to their own customers.
The evidence piles up, but regulators are turning a blind eye. If prices for precious metals are being suppressed, it's producers like you who are harmed. It doesn't seem like it can go on forever. So how do you see this ending for the COMEX, can it be reformed, Keith? What are your thoughts there?
Keith Neumeyer: Well, it is nice to finally see the metals moving over the last two weeks, actually. We're now a month into the year and it's been a pretty good start for miners. Hopefully it does continue through the next several months.
Interestingly enough, as you probably know, we saw two fixes in London, one last week on Tuesday, I believe it was, $0.85 below spot. That's the first time that's ever happened. I talked to our traders, who trade in metals, and it's completely unexplained. There was a couple of news articles that showed up and, of course, the banks who are behind this Fix have been completely silent on the fact that this has happened.
Then, the next day, on a Wednesday, the Fix was $0.10 below, which is obviously a lot less of a big issue, but it's still below the spot. The Fix is $0.10 below the spot. Two days in a row we had a Fix that was below spot prices, which has gone completely unexplained to all of the suppliers.
Fortunately, First Majestic doesn't have a lot of its product that is affected by the Fix, because we produce most of our silver in the form of doré bars. Our doré bars are based on spot on days that we decide to sell our metal. But we do produce some of our silver in the form of concentrates. And those concentrates are affected by the Fix, which is unfortunate.
Some mining companies, who have 100% of their production, for example, based on their Fix were very dramatically affected. It's not the COMEX, this is the London market, obviously. But it's all the same. These are the same players that trade in the COMEX, the same players that trade in London, trade on the LME and trade in this market, they trade on these prices. It is completely contrary to general market forces.
My issue with the COMEX is clear. I've said, quite honestly, "create a system, whereby, they have to have a system in place where they can go 100 times what's in the vault, for example". We have a fractional banking system, we know it's there, but they can sell unlimited ounces in the form of paper and there's no limit. All I am saying is create a limit whereby the banks can sell 100 times what's in the vault. I'd prefer it much less. I'd prefer it 10 times, but that's probably unrealistic.
But right now, when you can trade a billion ounces a day, and the miners are only producing 800 million ounces a year, that system, in my view, is broken.
Mike Gleason: Yeah, more ounces traded on paper in a single day than are produced globally in an entire year. It's truly mind boggling.
Keith Neumeyer: Yeah, that ratio is nuts.
Mike Gleason: Yeah and it seems totally unsustainable. I would think something will have to give at some point.
You've purposefully held back some of your production because you would rather hold some the silver on your balance sheet rather than trade it for cash. You've called on others in your industry to do the same. Basically saying, "Let's not let the market have our silver until something changes with the price-setting mechanism for our product."
Are you getting any traction on this, Keith? I know that many miners might not have the financial strength or available cash, at this point, to hold back some of their production. But do you see others following your lead on that?
Keith Neumeyer: Well, of course all of the miners are in stress right now. But I'm not asking for a big deal. For one month's of production, for us, First Majestic, we're a small player in the whole scheme of things. We produce 18-19 million ounces of silver, which is a big number. Of 800 million ounces that's produced in a year, that's a small number.
I was actually in New York just a few weeks ago and I was surrounded by a number of executives at a dinner. I quite clearly stated in the room, and there's about 30 people around the table, 20 or 30 people around the table, and I said, "Look, let's take a month. Let's hold back our production in June of 2016." I can tell you, everyone in the room could afford to do it. We could afford to do it. We would still be producing. Everyone would still be working. We just simply wouldn't sell our silver.
Now, again, this goes back to the concentrate sellers. It's more difficult for the concentrate sellers to do it, because they have contracts in place. They have to deliver their metal into these contracts. Their ships pick up the metal, their concentrates, and goes into the different smelters around the World. It's a little bit more difficult for them.
If you're producing doré bars, it's a lot easier for those doré producers to do exactly what I've asked them to do. I didn't get even a single taker at that dinner. I was very disappointed.
Mike Gleason: Yeah, that's definitely a shame to hear. But hopefully those other guys will start to recognize that it's going to be important for them to do something versus sit idly by. At some point, you would think that it would make economic sense for them to have, maybe, some short-term pain on the cash flow just for the long-term good.
You still have some hope there?
Keith Neumeyer: Well, look, I think it would send a message. Unfortunately, a lot of mining companies don't understand what they're selling. They take the rock under the ground, they produce the metal, and they're happy with it. They don't understand the monetary nature of the product they sell.
I think the mining companies should get together, put their foot in the sand, and say, "Look, enough is enough. We're not going to deliver metal to the banks for 30 days."
Personally, I think maybe it would be a cosmetic stance by the mining companies, but it would tell the banks, it would tell the world, that we're fed up. I think it's important.
Mike Gleason: The recent price increase this week, notwithstanding some good news for the mining industry, I would think has been the falling price of oil. How has that affected or benefited your business, Keith? How much has it helped reduce your all-in cost of production?
Keith Neumeyer: Well, in Mexico, it's a little bit different. I think outside of Mexico it's probably helped the miners a lot more. The price in Mexico is set by the government. The producers in Mexico, not just the miners, but industry, period, in Mexico has not had a benefit yet. Nor has the consumer... the regular fellow on the street who goes and guys gasoline still, today, is paying. Actually they're paying more for gas today than they did a year ago. They have not had any benefit at all. Nor have we had any benefit at all.
But the chemical costs have gone down. There are other inputs. Of course, I was responsible for other things. Transportation, chemical production, and so on. The actual price of diesel is actually higher today. That changes, mind you, in January 2017 when the price for energy and the principal on gas in Mexico does float to world standards.
We are looking very much forward to that day, January 1st, 2017, but we haven't seen the big impact, yet.
Mike Gleason: What's the current state of the mining industry? Obviously, it's been a tough slog given the bare market we've been in for the last four plus years now. I guess, First Majestic, you guys have been maybe able to adapt better than most, but how's the industry doing, Keith?
Keith Neumeyer: (laughs) Your listeners need to be told? I think all they have to do is look at our portfolio, but it's been tough. I've been in this business for 34 years. I've seen lots of ups and downs. This particular down cycle, we're five years into it, a lot of the juniors are hurting. We've seen mines close around the world. We've seen thousands and thousands of layoffs.
In our case, we've laid off 1,500 workers. We had 5,500 employees at the top of our business. Today, we have 4,000 employees. We're actually producing more silver today than we did when we had 5,500, so I guess we're more efficient as a business.
You know, Mike, I guess this downturn has allowed us to improve our business quite dramatically. We've brought in automation, a lot of innovation projects. We've done a lot to our business to improve what we do, how we produce metal, how we produce silver, obviously. And it's been good.
We've taken advantage of this current environment. I think we've improved the business dramatically. We're now profitable at these metal prices, which we were producing metal at a much higher price a couple years ago. So I think it's been exciting from our standpoint.
But it's been tough for some other miners. For us, First Majestic, is quite a flexible company. We're not bound by contracts or contractors. We, fortunately, own all of our own equipment and we have all our own talent base and talent pool. So we haven't had to outsource and so on. A lot of the other companies who didn't, in the heyday of the bull market, go out and buy all of their own equipment and buy their own talent, they're stuck with their cost systems or cost structures in place because they can't afford to make the changes to their business today that they would like to because the capital markets are closed.
These smaller companies that have different business than ours are really struggling. It will be interesting to see what happens here. Because if the metal did keep going...You know, we saw this in 2015, we saw this in 2014, where the first few months of the year are quite positive, and this does feel a little bit different, mind you. The start of 2016 does feel like this might be the beginning of another new cycle that could last several more years.
Time will tell. I'm not going to be calling this the next boom market, yet, but it does feel pretty good. Maybe the metal price will save some of these juniors, maybe not. I just don't know. Too early to tell.
Mike Gleason: Obviously, supply is getting constricted based on what's been happening. Now the U.S. is actually a net importer of silver, which is a recent phenomenon. We used to be a new exporter of silver here in the States.
Meanwhile, you have countries like China, in particular India, going on a silver buying spree. Are you seeing evidence of supply of fine silver getting tight in the global market? Because, if you look only at the current published price of Silver, it doesn't seem so.
Keith Neumeyer: Well, it's interesting that you say the U.S. is now an importer. I do know that. I've actually stated it a couple times. I'm glad you know that, because it's not a well-known phenomenon that's occurred, that's a recent event.
Production is dropping worldwide. I don't know what the 2015 numbers are, yet. I know Mexico is down 6% year-over-year. I've heard other countries are down, as well. Some the back-of-the-envelope numbers that I've seen out there, is the world production field has dropped somewhere around 10% annually. I'm waiting for confirmation of that number.
But we know that consumption is increasing. We know solar panel consumption is increase, other technologies. I don't think cell phones, laptops, iPads, automobiles and so on are decreasing to any great degrees. I think their increasing. The use of the metal is still climbing and we're in a deficit. We're consuming somewhere around 1.1 billion ounces of silver annually. And the miners are producing, at least in 2014, they produced about 800 million ounces.
We still haven't seen 2015, but all evidence shows that that number is lower. This deficit that we're having is increasing. Silver is a much more rare metal than people actually realize. As a human race, we're consuming more silver today than we ever have. And above ground supplies are dropping substantially. I think we're going to have a huge supply squeeze in silver.
It's not showing up in price, yet. It will overtime. I'm confident with that.
Mike Gleason: That leads me right into my next question, here. Our mutual friend, David Morgan, goes through all the amazing uses and applications of Silver in his new book The Silver Manifesto. You just eluded to some of those. There are just so many and the list grows all the time.
Do you envision industrial users of silver, at some point, starting to maybe hoard the metal as news of dwindling supply starts to spread? This is something we saw with another one of the precious metals, palladium, about 15 years ago. It drove the price up, gosh, like 5 fold in a very short period of time, as automotive manufacturers snapped up all the palladium they could get over fears of not being able to get it for those catalytic converters potentially shutting down their automobile production line.
Could we see this kind of industrial hoarding panic occur in silver, Keith?
Keith Neumeyer: Well, I actually think there's a complacency. I think that the Sonys, Toyotas, Intels, you name it, Teslas of the world, who are big consumers of silver, just think that there's this abundance of the metal. I don't think they really have their eye on the ball at all. I think there is some smart money out there that knows what's happening.
You see the Silver Eagles, the 6 million ounces of Silver Eagles sold in January. And the buyers aren't retail. These buyers are commercial, sophisticated buyers. David Morgan eluded to who that might be, no one really knows. I think Ted Butler has also eluded who these buyers of silver is. There are people in the know, but it's not the whole industry by any stretch of the imagination, I think, that big consumers of the metal don't have a clue about the product that they need and their product that they produce on a daily basis. Because if they did, they'd be the buyers of this metal and it wouldn't be the banks or the sophisticated people who are buying this metal.
So it will be a very interesting field in the next year or so when the metal does get so tight that the big producers of electronics and other products just simply can't get their metal. Then, they're going to panic, then they're just going to, I think, pay whatever they can pay just to get it.
Don't forget, there are very small amounts of this metal in these components. If you're a producer of iPhones or Blackberries, you don't really care what this silver costs. If it's $100 now, it's not going to change the value of your iPad very much. It's just going to be a couple of dollars, which will be easily absorbed into the cost of the product. So they'll just pay whatever they can pay for it and it will be the sophisticated investor who ends up making the big money, I think.
Mike Gleason: Yeah, that, certainly when things could potentially go parabolic shortages beget more shortages, as they say. That would be an interesting phenomenon if it does start to happen.
Now, you've made a career out of profiting on buying value, buying near the bottom in the resource sector. What do you have to say to the guy who may be sitting on the sidelines right now? May have liquidated some things, might be sitting in cash, but considering putting some of that money into silver.
Is this a good time to be making a move into the metals? Or is it still maybe too early?
Keith Neumeyer: Well, for me, I like to buy mining stocks, because that's where your leverage is. I do own some physical silver and also physical gold, but most of my portfolio is actually in mining stocks, but it's tough to find good ones. Most people lose a fortune buying bad stocks in bad companies. It's just not in mining, it's in industries across the planet, obviously.
It's always hard to pick good companies in any sector. It all comes down to risk tolerance. I personally gauge this is the time to be buying these metals, but a good mining stock will go up 2-3 times faster than the metal itself.
If you go back and look at what happened to First Majestic Silver, when silver went from basically $10 to $50, the stock got up to $26 a share. The performance did outweigh the actual metal performance. That's very common, but it is difficult to find good companies. I caution your listeners to always look at management. Always look at what they've done in the past, how they've performed in the past, how they've done in the past, how have their shareholders done in the past by investing in their companies, and try to buy at the bottom of the cycle.
What I've done in First Majestic and also in my new company, First Mining Finance, is I buy assets at the bottom of the market. Then, in 2015, I bought five companies. In the case of First Majestic Silver, we bought one company called Silver Crest, adding our sixth producing mine to our portfolio and another 5 million ounce producer, which is now our biggest mine. I think we picked it up for basically...I know we picked it up cheap.
Then, in First Mining Finance, we bought 4 companies and built up a portfolio of 8 million ounces of gold there. Then, paying ridiculous prices for those ounces, as well.
This is the time to be buying assets, but at the same time, investors need to realize that mining is a risky business. It's volatile. It's hard to pick a bottom in any industry. Just pick good companies. Or, if you're less tolerant, just go and buy the metal and just be patient.
Mike Gleason: Well, as we begin to wrap up here, I know obviously pretty bullish on poor man's gold, as they call it. So as we begin to close, tell us why you're so optimistic about the future of Silver.
Keith Neumeyer: Well, I think it's pretty easy, actually, because silver is way more rare than you think it is. There's an old number that was produced by Sir Isaac Newton when King Edward was creating the one pound Sterling. And hey came up with this is in the 1500s, and they came up with the number 16 to 1, gold to silver.
So the question was, how many ounces of silver are there in earth's crust compared to gold? Sir Isaac Newton came up and said, "16 to 1." Okay, so that was kind of the number that has been floating around the planet ever since, and it's been gospel.
Interestingly enough, we're only mining 10 to 1. For every 10 ounces of silver, 1 ounce of gold is mined. Silver is way rare than even we had thought it was 500 years ago and consumption is increasing every single year. The above ground supplies of the metal, you go back and look at what was above ground in the '80s, and there's about 5 billion ounces of 1,000 ounce commercial bars. That's down to just a billion ounces of silver that's accountable.
So we've consumed 4 billion ounces of silver in the last 30 years and it's gone. It's not coming back. It's not in recycle. It's in waste dumps, it's in the ocean, it's in stuff that will never be seen. Again, at that rate and as the consumption is increasing, and even if production stays flat, which it doesn't look like it is... but even if it stays flat, that deficit between mine supply is about 800,000 million ounces and that middle consumption 1.1 billion ounces is eating away at all of this above ground supply.
We're trading, right now, at 80 to 1, gold-silver. We're mining at 10 to 1, and we're in a deficit. How can that relationship last? We're going to have a racial compression, in my view, that's going to send the price...and I've said this 100 times... to triple digits. I know that at $14 or $15 silver that sounds stupid and it's probably hilarious to many people, but that's where I think it's going. That's why I put together a silver company 13 years ago and that's what I'm looking forward to and we'll see what happens. We'll see if I'm right or wrong, but that's what I think is going to end up happening.
Mike Gleason: Certainly would be nice to see true price discovery take place in the silver market. Some event may trigger that. When that does happen, those fundamentals, the fundamental case that you just laid out there, you think is going to finally start to take hold and silver is likely to shoot significantly higher when that finally does happen. It should move pretty quickly when it does.
Well, Keith, I want to thank you for sharing your insights and your firsthand accounts of what's going on in the silver mining industry. We really appreciate your time and your boldness when it comes to exposing what's happening in these distorted markets. We wish you all the best.
Before we go, please tell our listeners about how they can get more information on both First Majestic and also your new venture there that you spoke about, First Mining Finance.
Keith Neumeyer: Yeah, for sure. I'll keep pushing my efforts. I'm also on Twitter. The twitter @keith_neumeyer. And of course the companies, I'm the CEO of First Majestic Silver, it's simple, it's just www.FirstMajestic.com. And of course, my new company, which went public in April of 2015, it's www.FirstMiningFinance.com.
Mike Gleason: Well, thanks so much, Keith. I know you're traveling there in Europe and you took time out of your busy schedule to visit with us and we really appreciate it. I hope you have a great weekend. Safe travels. Perhaps we can catch up with you, again, down the road as this starts to unfold.
Keith Neumeyer: Thanks very much. I appreciate it.
Mike Gleason: Well, that will do it for this week. Thanks, again, to Keith Neumeyer, founder and CEO of First Majestic Silver Corp. Ticker symbol AG on the New York Stock Exchange and one of the largest, and most successful, primary silver miners in the world.
Don't forget to check back here next Friday for our next Weekly Market Wrap Podcast. Until then, this has been Mike Gleason with Money Metals Exchange. Thanks for listening and have a great weekend, everybody.
Mike Gleason is a Director with Money Metals Exchange, a precious metals dealer recently named "Best in the USA" by an independent global ratings group. Gleason is a hard money advocate and a strong proponent of personal liberty, limited government and the Austrian School of Economics. A graduate of the University of Florida, Gleason has extensive experience in management, sales and logistics as well as precious metals investing. He also puts his longtime broadcasting background to good use, hosting a weekly precious metals podcast since 2011, a program listened to by tens of thousands each week.

redpajama_set_name: RedPajamaCommonCrawl


Windows 10 Home KW9-00129, is it Polish version?
Discussion in 'Operating Systems' started by ir0nw0lf, Jan 22, 2019.
Friend brought in a OEM-looking package of Windows 10 Home x64, part # KW9-00129. Everything I have seen on searches indicates it is a PL/Polish version, unless my search-FU is sucking it today LOL. Did a US-en install from my normal USB thumb drive, key won't activate, says it's for a different version of Windows. Are there any websites out there with lists of what the different part #'s for Windows 10 are?
I'm pretty sure I'm going to have to tell him he got boned by a eBay seller and needs to get a hold of them.
EDIT (Update): According to friend, he ordered this from fleaBay and according to bid he was ordering KW9-00140m which matches the part # on Newegg and I am guessing what he should have gotten. Sounds like the seller FUBAR'd and sent wrong package. Just going to tell him to contact seller.
I installed the Win 10 Home x64 from my USB flash drive that I use for new builds. He brought in the package and I used the key inside it. Both are Home keys. He's still waiting to hear back from the seller. I got the machine finished just shy of a proper key + activation. He did go back to the auction page and it said it was supposed to be the KW9-00140 version that was buying.


text:
Q: Segmentation fault in singly linked list C program In this code below, when I comment out the first and second call to display() function in main, It works fine. But without commenting, after adding 2nd element it says  - segmentation fault.
I am new to pointers. Please suggest what might be wrong.
#include<stdio.h>
#include<malloc.h>
//-------------------------------------------------
struct node
{
int data;
struct node *next;
}*start=NULL;
//------------------------------------------------------------

void creat()
{

  struct node *new_node,*current;

  new_node=(struct node *)malloc(sizeof(struct node));

  printf("\nEnter the data : ");
  scanf("%d",&new_node->data);
  new_node->next=NULL;

  if(start==NULL)
  {
  start=new_node;
  current=new_node;
  }
  else
  {
  current->next=new_node;
  current=new_node;
  }
}
//------------------------------------------------------------------
void display()
{
struct node *new_node;
 printf("\nThe Linked List : ");
 new_node=start;
 while(new_node!=NULL)
   {
   printf("%d--->",new_node->data);
   new_node=new_node->next;
   }
  printf("NULL\n\n");
}
//----------------------------------------------------
void main()
{
creat();
display();
creat();
display();
creat();
display();
}

output ->
 $./a.out

Enter the data : 4

The Linked List : 4--->NULL

Enter the data : 6
Segmentation fault (core dumped)

A: This is happening because of current->next=new_node; in else block.
When you enter data second time start is declared global so its value persists between function call but as current is declared within fuunction it's scope is limited to function only.
So when you enter data second time current is null so accessing current->next causes segmentation fault.
So declare current node after start variable.

A: Second time you call creat, you are using an ininitialized current.
current_node is a local variable with auto storage. When you return from the function, it gets deleted.
Try adding
struct node* current = NULL;

right after you define start. Then, remove it from creat.

A: The offending code is:
       current->next=new_node;

You are dereferencing a NUll pointer which is illegal.
What you should have done was to declare current as a global variable as well:
struct node
{
int data;
struct node *next;
}*start=NULL,*current=NULL;

This will fix your display issue as well.

redpajama_set_name: RedPajamaStackExchange


text:
Griezmann: The Making of France's Mini Maestro
Yazar: Luca Caioli, Cyril Collot
Icon Books
Quick, incisive and versatile, Antoine Griezmann is the ultimate modern forward. Arriving in 2014 to join an Atletico Madrid side persistently challenging for the biggest trophies in Spanish and European football, he quickly established himself as the team's key player and main goal threat. A Super Cup win over city rivals Real Madrid was just the start but an inspired tilt at the Champions League the following season ended in heartbreak - as did a Euro 2016 campaign in which his performances for France saw him named player of the tournament. In this first biography of the Atleti and France star, Madrid-based journalist Luca Caioli examines the story behind Griezmann's rise to the top. Features exclusive interviews.
Ebat : 13 x 19,5
Medya Cinsi : Ciltsiz


The Division comprises the Waypoint Research Institute through which researchers are provided protected time to conduct research. The Research & Academics Office also falls under the purview of the Division and is mandated to facilitate and administer Waypoint research activities.
The Waypoint research team has developed many impactful collaborations, including with our cognate psychiatric hospitals, Ontario Shores Centre for Mental Health Sciences, The Royal, Centre for Addiction and Mental Health, and St. Joseph's Healthcare. The team also has several academic research partners, including at the University of Toronto, McMaster University, York University, and Georgian College.


Get the latest science news and learn about scientific breakthroughs and discoveriesfrom ... Science News. All Articles ... of Social Cues. September 14th, 2015.
... Martyr; Died: 303 A.D. Chalcedon, Bithynia: ... Saint Euphemia ... was the first year of the Great Persecution under Roman emperor Diocletian.


text:
Home Entertainment London Mural Festival partners with Cheesegrater
London Mural Festival partners with Cheesegrater
The Leadenhall Building, better known to City folk as The Cheesegrater, has commissioned two world renowned street artists, DRT and Carl Cashman, to paint the iconic 'trumpet' vents at the front of the building in a display of support for the arts, a sector which has been hit particularly hard by the COVID-19 crisis.
The commission is part of the London Mural Festival which will see more than 150 global artists paint 40 large scale walls and a plethora of smaller activations across London. The festival promises to offer accessible art at a time when restrictions make visiting galleries difficult and will enliven the city's streets.
A splash of colour in the City of London.
The Leadenhall Building is the only building in the City to take part in the festival, demonstrating its commitment to supporting artists during this unprecedented time, and the building plans to keep the trumpets painted long after the festival ends.
Angelo Christou, Property Director, The Leadenhall Building, said: "We're pleased to be able to offer The Leadenhall Building's public space for yet another exemplar project which both enriches and enhances the local area and supports artists during this challenging time. The art is a very welcome addition to the cityscape and will help to enliven an area that has been quiet since the start of lockdown."
Lee Bofkin, CEO and co-founder of Global Street Art, the organisation behind the London Mural Festival, said "While COVID and social-distancing are creating unique challenges for galleries, the city offers an excellent canvas for muralists from around the world.
NOW READ: London's top creative classes to join online
"The Leadenhall Building is a landmark in the London skyline and we're thrilled that so many people will see the art as they pass through the City. We're grateful to The Leadenhall Building for offering their iconic 'trumpet' vents to us to paint."
The London Mural Festival sets out to use London as a vast canvas celebrating creative communities across the world, while introducing a new way for people to experience one of the world's biggest art movements.
As well as painting some big walls across London, there will be a 100-artist hoarding jam taking place at International Quarter London (IQL), Stratford, in partnership with the developers LCR and Lendlease. The hoarding jam which will stretch over 500m in length and will close the festival on Saturday 3rd and Sunday 4th October.
Other artists partaking in the festival include Camille Walala, Dale Grimshaw, Marija Tiurina, Gary Stranger, Mr. Cenz, Bonzai, Suiko and Zabou.
For the latest headlines from the City of London and beyond, follow City Matters on Twitter, Instagram and LinkedIn.
The Big City exhibition examines London on a mega scale
Beating the January Blues: How to put pep in your step across the City


text:
— Main Menu —Home Who We Are What We Do How To Help Blog Contact Us
Take a Look: By the Numbers
by Jan Hansen
______________________________________________________________________________________ Educate Tanzania spends over 90% of funds on its programs in Tanzania. We are a 100% volunteer-based organization with dedicated partners focused on doing the most good with what resources are avai
ETI and its partners have plans to open KARUCO next October and build opportunity in rural Karagwe. You can help make that happen. Amazonsmile Sign up for amazonsmile (it's free and painless), and then claim "Educate Tanzania, Inc" (ETI) as your charity. When you do
END OF YEAR: KEEP IT COMING
The Savat Family Gives Back
UMN Meets KARUCO Students
ETI Kicks Off EOY Giving
REMINDER! ETI GIVE DAY - NOV 14
Welcome new followers! ETI's focus is to build a food processing plant as part of the Rural Opportunity Center: Our… https://t.co/NGQN4o7VmI 20 days ago
Giving in a meaningful way is at the very heart of many celebrations during this season of the year. ETI is privile… https://t.co/hdUlxP9FY1 27 days ago
Check out the latest from #ETI. Here's our December newsletter. https://t.co/ZZrM2cyc7I 32 days ago
Privacy Policy | Donor Bill of Rights
© Educate Tanzania


text:
LAND AND OPTIONS
London View Ltd ("us", "we", or "our") operates the website http://www.londonview.net (the "Service").
We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.
London View Ltd uses the collected data for various purposes:
London View Ltd will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
London View Ltd may disclose your Personal Data in the good faith belief that such action is necessary to:
To protect and defend the rights or property of London View Ltd
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
By email: info@londonview.net
By visiting this page on our website
By phone number: 01373831881
These terms and conditions were last updated on the 24/08/2018
The Stable Office
Park Farm House
Lullington
BA11 2PF
Mail: info@londonview.net
© London View 2018 | All rights reserved. Privacy Policy
Website Design – Creative Solutions


text:
Q: How to adjust initial position of a Tetrahedron to be right side up in Three JS I want to create a tetrahedron that starts off right side up like a pyramid, and eventually will rotate mostly along an x axis kind of like a planet.

import * as THREE from 'three';

// Setup

const scene = new THREE.Scene();

const camera = new THREE.PerspectiveCamera(75, window.innerWidth / window.innerHeight, 0.1, 1000);

const renderer = new THREE.WebGLRenderer({
  canvas: document.querySelector('#bg'),
});

renderer.setPixelRatio(window.devicePixelRatio);
renderer.setSize(window.innerWidth, window.innerHeight);
camera.position.z = 15;

//Torus

const geometry = new THREE.TetrahedronGeometry(6,0);
const material = new THREE.MeshStandardMaterial( { color: 0xFF6347 } );
const torus = new THREE.Mesh( geometry, material );
scene.add( torus );

//light
const light = new THREE.AmbientLight( 0xffffff ); // soft white light
scene.add( light );

function animate() {
    requestAnimationFrame( animate );
  torus.rotation.x += 0.01;
  torus.rotation.y += 0;
  torus.rotation.z += 0;
    renderer.render( scene, camera );
}
animate();

Adjusting the initial camera angle seems like a harder approach, is there a way to load a Tetrahedron initially to be right side up like a pyramid?
EDIT:
If using the following way to draw out a tetrahedron
const verticesOfCube = [
  1, 1, 1,  - 1, - 1, 1,    - 1, 1, - 1,    1, - 1, - 1
];

const indicesOfFaces = [
  2, 1, 0,  0, 3, 2,    1, 3, 0,    2, 3, 1
];

const geometry = new THREE.PolyhedronGeometry( verticesOfCube, indicesOfFaces, 1, 0 );

it still initially appears on it's edge instead of 1 face being towards the bottom, right side up pyramid shape


text:
СФЕРИ ПОБУТУВАННЯ УКРАЇНСЬКОЇ МОВИ ЯК ІНОЗЕМНОЇ
THE SPHERE OF EXISTENCE OF UKRAINIAN LANGUAGE AS A FOREIGN LANGUAGE
Author(s): Taissia Tsurkan
Subject(s): Language studies, Language and Literature Studies, Foreign languages learning, Eastern Slavic Languages
Published by: Видавництво ВДНЗ України « Буковинський державний медичний університет »
Keywords: ukrainian as a foreign language; the ukrainian studies; the ukrainian studies centers in the world; teaching methods; textbooks; foreign students;
Summary/Abstract: There are two ways of functioning of the Ukrainian language. This subject is exists as part of the Literary and Cultural Studies about Ukraine and called Ukrainian studies. Another area of functioning of the Ukrainian language as a foreign concerns of teaching foreign students in Ukrainian universities. The article gives an analysis of the development of methodology of teaching Ukrainian as a foreign language. It outlined the development of this science in Ukraine and abroad. It systematized scientific researches and methodical materials on methodology of teaching Ukrainian as a foreign language. The paper characterized directions of research in this science. The cultural and educational representation of a country among other countries and among foreigners, which are temporarily staying on the territory of the country representative, has a couple of constituents and unfolds its politics on many levels. One way of cultural and educational representation of a country on the foreign world market is the formation of a conditionalmap that showswhere the learning of the country's language can be done in other countries.That is why we created a virtual journey through centres of Ukrainian studies, which are unofficial ambassadors of Ukraine, through whichthe world community can join in learning and studying our country's language and culture.In addition to foreign policy strategy there is also an internal one, which is presented in the teaching of the Ukrainian language to foreigners, who have decided to get a higher education in Ukraine. The linguodidactics of Ukrainian as a foreign language is only being formed as a scientific branch and that is why there are many gaps in this field. At the present an active scientific search is underway to find the principles of methodology of teaching the subject and there is also an attempt to find the optimal ways of learning a language in all of its functional levels.
Journal: Актуальні питання суспільних наук та історії медицини
Preparing Pre-Service Teachers to the Parent-Teacher Partnerships Preparing Pre-Service Teachers to the Parent-Teacher Partnerships 0 ЕТНОГРАФІЗМИ ЯК ЗАСІБ СТИЛІЗАЦІЇ РОЗМОВНОСТІ В СУЧАСНІЙ ХУДОЖНІЙ ОПОВІДІ ETHNOGRAPHISMS AS MEANS OF COLLOQUALITY STYLIZATION IN THE MODERN BELLETRISTIC NARRATION 2017


text:
Hardy Merriman
About Hardy Merriman
About Civil Resistance
Recorded Presentations
Selected Publications List
I am available to deliver public presentations or to speak at workshops, seminars, conferences, university courses, or briefings. Sample topics include:
How civil resistance works and its impact throughout history
Strategic planning, organizing and mobilization of grassroots movements.
Effective forms of support for civil resistance movements in the US or abroad.
Presentations to undergraduate and graduate students about the theory and dynamics of nonviolent conflict, as well as a variety of research areas in the field.
Presentations for and consultations with professors, lecturers and other educators about curriculum development and resources available in the field of nonviolent conflict.
Presentations for and consultations with activists, advocacy organizations, and philanthropies about how to incorporate civil resistance content and movement-centered framework into their work.
Contact me about rates and scheduling. You can also see some of my presentations and interviews on my website.
Selected Presentation and Guest Lecturing Venues*:
Alliance for Peacebuilding annual conference (2017, 2018)
American Association for the Advancement of Slavic Studies annual conference (2009)
Australian Centre for Peace and Conflict Studies, Queensland University
Cambridge University (England)
Centre for Peace and Conflict Studies, University of Sydney (Australia)
Center for Victims of Torture, Minneapolis, Minnesota
Central Connecticut State University (2010-2014)
Chautauqua Institution
→ Watch presentation
→ Read related article
Community of Democracies
European Humanities University (Lithuania)
Facultad Latinoamericana de Ciencias Sociales (FLACSO) (Ecuador) (2018, 2019)
Fletcher School of Law and Diplomacy, Tufts University (2006-2016)
Frontiers of Democracy conference, Tufts University (2017, 2018)
Georgetown University (2013, 2015, 2018)
Golden West College
Harvard University (2011, 2013, 2017)
International Peace Research Association Annual Conference (2006)
International Summit on Conflict Resolution Education (2011, 2014, 2015)
The James Lawson Institute
Kadir Has University (Turkey)
Monterey Institute for International Studies
Oberlin College (2007, 2012)
Peace Research Institute of Oslo (Norway)
School for Authentic Journalism (Mexico)
Stanford University (2010, 2011, 2015)
United States Institute of Peace (2013, 2014, 2017, 2019)
University of Basque Country (Spain)
University of Denver (2016, 2017)
University of Deusto (Spain)
University of Michigan (Ann Arbor)
University of Sarajevo (Bosnia)
University of St. Andrews (Scotland)
Virginia Polytechnic Institute (Virginia Tech) (2010, 2017)
The 23rd Session of the Youth Assembly (2019)
* Note: Videos of some of these presentations are available for viewing here.
Copyright 2018, Hardy Merriman, All Rights Reserved.


Suggested Use: As a dietary supplement, take 1 serving with your favorite with your favorite beverage twice daily. On Non-Training Days: Take 1 serving prior to your first meal of the day and 1 serving 6-8 hours later. On Training Days: Take 1 serving 20-30 minutes prior to exercise and 1 serving at least 4 hours before or after your first dose. For best results drink at least 64 ounces of water daily.
NOT INTENDED FOR USE BY PERSONS UNDER THE AGE OF 18. KEEP OUT OF REACH OF CHILDREN. If you are pregnant, breast feeding, have known medical conditions and/or are taking drugs consult your health care professional before using this product. Do not use if you are at risk or are being treated for high blood pressure, liver, thyroid, kidney or psychiatric disease, diabetes, hypoglycernia or myocardial infarction(heart attack). This supplement should be used by healthy adults only.


text:
"Throw him the f**k out": NFL fans outraged after Aaron Donald…
Home MMA UFC
"If I get my a** whooped, I want to come back right away," Nick Diaz has a weird motivation for coming back inside the octagon
Nick Diaz claims he would definitely come back for more action, and more so if he would get beaten at UFC 266.
Suryansh Thakur
Nick Diaz
Nick Diaz is going to return inside the octagon after 6 years. He will take on Robbie Lawler in a rematch at UFC 266, and fans are really excited for his comeback.
Diaz was born to fight, and people admire him for his never back down attitude, everybody thought Diaz was excited to compete but several things indicated that he wasn't so sure about taking on this fight.
Diaz claimed his rematch against Lawler makes no sense, and he should have fought the welterweight champion, Kamaru Usman, instead, now talking to MMA Fighting during the press conference, Diaz said he wants to fight more often.
He stated, "Definitely want to do this more often, especially if I get my a** whooped. If I get my a** whooped, I want to come back right away. If I get my ass whooped, I want to come right back."
"What about the last five years," Nick Diaz couldn't help but wonder where all this support has been during his absence
Diaz is a fan favorite for sure, and during his absence from the UFC, his younger brother Nate Diaz continued his legacy. Now that Nick is back he is overwhelmed by all this support, but he couldn't help but wonder where were all this during his absence.
"After a while, you realize there's more to life." Diaz said. "After a while, you realize there's more to life and everybody digs their heels into you while you're down. It's kind of rough."
He continued, "It's nice to see a lot of support like two weeks leading up to a fight. But what about the last five years? That's kind of how I feel. Of course, I get a lot of hi's and byes and I've done plenty of handshakes. I'd like to take some of those back."
Also read – "I like that energy" – Kamaru Usman responds to Nick Diaz claiming "he'll beat the sh*t out of the champ"
Kamaru Usman
Robbie Lawler
Previous articleWho is the Owner of Chennaiyin FC?
Next article'I am very motivated and will give 100% to qualify for the 2021 WTA Finals in Mexico,' says Ons Jabeur
Suryansh Thakur is a part of the UFC Team of FirstSportz.com. He is extremely passionate about MMA and everything related to it, he's a 2nd Dan Black Belt in Judo, and that justifies his love for the sport.
Belal Muhammad teases an announcement for a potential fight against Khamzat Chimaev
"He asked for one thing"- Chael Sonnen reveals why Georges St-Pierre got a title shot after a lengthy layoff while Henry Cejudo was snubbed
"Like a phoenix rising from the ashes"- Deiveson Figueiredo re-built himself for the trilogy match against Brandon Moreno
Australian Open 2022: Gael Monfils vs Federico Coria Prediction, Preview, Head...
Sachit Srivastava - January 16, 2022
Gael Monfils and Federico Coria will meet in the first round of the Australian Open 2022. The Frenchman will start as a favorite coming into the 1st round...
"Focussed on the right things" Iga Swiatek defeats Harriet Dart in...
Australian Open January 18, 2022
'If you want to play professional tennis, you need to get...
Susie Wolff's Gives Heartfelt Birthday Tribute to Husband Toto Wolff as...
Formula 1 January 13, 2022
REVEALED! Paula Badosa's potential path to claim maiden Australian Open title
Why did Nets' Kevin Durant apologize to F.R.I.E.N.D.S actor Michael Rapaport
"Miss playing with those two" Klay Thompson reveals desire to step...
Skip Bayless urges why Johnny Manziel being Cleveland's G.O.A.T over LeBron...
Watch: Paul George gets booed by LA Rams fans during Cardinals...
Zion Williamson revealed facts about 'unspoken and unbelievable' relation of Draymond...
"That's how demons are sentenced to hell": Twitter shocked as Russell...
"Make him the MVP": Fans left bamboozled after JA Morant showboats...
"I had 103-Degree Fever Every Night"- Stephen A. Smith shares his...


According to the decision adopted by the Swiss Federal Council on 15 February 2017, Italian static trust companies (Fiduciarie statiche) should be exempted from turnover tax. If the Parliament approves the Council's proposal, Swiss banks managing Italian assets will no longer be disadvantaged by multiple turnover tax levies. This would strengthen the competitiveness of Swiss banks, in particular in the Canton of Ticino.
The proposed amendment to the law would exempt intermediaries between customers abroad and their Swiss banks from the turnover tax in future. The organizations covered by the amendment may only support their clients in terms of tax and reporting obligations in their country of residence and may not provide any other asset management services. In addition, they should be subject to the statutory authorization or control requirement. From today's perspective, only the Italian static trust companies will fall under this provision. Securities transactions carried out by Italian customers with bank deposits in Switzerland, with a Fiduciaria statica as an intermediary, have so far repeatedly been subject to turnover tax. Thus the proposed tax exemption would eliminate a competitive disadvantage for Swiss banks.
Due to the new tax exemption, the Swiss federal government is generating a reduction of around CHF 10 million in the return tax revenues. However, the improved competitiveness of Swiss banks is likely to lead to an expansion of asset management activities for Italian clients. For this reason, it is expected that these short-term incomes will be compensated in the medium to long term.


text:
Q: Android Image Capture does not save file I am following the example at https://developer.android.com/training/camera/photobasics.html
I had it working briefly, then started enhancing the code, and now after taking a photo, it no longer gets stored in the file system.
private fun dispatchTakePictureIntent() {
    val imageCaptureIntent = Intent(MediaStore.ACTION_IMAGE_CAPTURE)
    val componentName = imageCaptureIntent.resolveActivity(packageManager)
    // Ensure that there's a camera activity to handle the intent
    if (componentName == null) {
        Log.e("Ztuph", "componentName == null, cannot takePictureIntent.resolveActivity(packageManager))")
    }
    else try {
        val photoFile = createImageFile()
        val authority = "com.ztuph.android.FileProvider"
        try {
            photoUri = FileProvider.getUriForFile(this, authority, photoFile)
            Log.d("Ztuph", "1 photoUri = $photoUri")
            imageCaptureIntent.putExtra(MediaStore.EXTRA_OUTPUT, photoUri)
            startActivityForResult(imageCaptureIntent, RequestCode.IMAGE_CAPTURE.ordinal)
            Log.d("Ztuph", "startActivityForResult(imageCaptureIntent, RequestCode.IMAGE_CAPTURE.ordinal)")
        }
        catch (illegalArgumentException: IllegalArgumentException) {
            // TODO
        }
    }
    catch (ioException: IOException) {
        // TODO Error occurred while creating the File
        Log.e("Ztuph", "can't create file", ioException)
    }
}

override fun onActivityResult(requestCode: Int, resultCode: Int, intent: Intent?) {

    when (requestCode){
        RequestCode.IMAGE_CAPTURE.ordinal -> when (resultCode){
            Activity.RESULT_CANCELED -> {
                Log.d(TAG, "IMAGE_CAPTURE result canceled")
            }
            Activity.RESULT_OK -> {
                Log.d(TAG, "onActivityResult: requestCode = IMAGE_CAPTURE, resultCode = RESULT_OK")
                if (intent == null) {
                    Log.e(TAG, "intent == null")

                    val mediaScanIntent = Intent(Intent.ACTION_MEDIA_SCANNER_SCAN_FILE)
                    mediaScanIntent.data = photoUri
                    sendBroadcast(mediaScanIntent)
                    Log.d(TAG, "broadcast Intent(Intent.ACTION_MEDIA_SCANNER_SCAN_FILE) with $photoUri")
                }
                else {
                    if (photoUri == null) Log.e(TAG, "photoUri == null")
                    else Log.d(TAG, "2 photoUri = $photoUri")

                    val mediaScanIntent = Intent(Intent.ACTION_MEDIA_SCANNER_SCAN_FILE)
                    mediaScanIntent.data = photoUri
                    sendBroadcast(mediaScanIntent)
                    Log.d(TAG, "broadcast Intent(Intent.ACTION_MEDIA_SCANNER_SCAN_FILE) with $photoUri")
                }
            }
            else -> {
                Log.e(TAG, "Cannot handle resultCode = $resultCode")
            }
        }
        else -> {
            Log.e(TAG, "Cannot handle requestCode = $requestCode")
        }
    }
}

There does not seem to be anything in the Logcat to indicate a problem.
It also runs differently on the emulator vs a real device (Galaxy Note 8). On the real device, it creates the directory "SD Card > Android > data > com.ztuph.android > files > Pictures" but nothing gets stored there. Also, the argument intent in onActivityResult is null.
On the emulated (Nexus 5X API 27) I cannot tell if the directory is being created (the Files app is too primitive), but there are no files any more. Yesterday, my app was creating image.jpg file, and today it is not. Also, on the emulator, the argument intent in onActivityResult is not null.
My manifest looks like
<?xml version="1.0" encoding="utf-8"?>
<manifest xmlns:android="http://schemas.android.com/apk/res/android"
    package="com.ztuph.android">

    <application
        android:allowBackup="true"
        android:icon="@mipmap/ic_launcher"
        android:label="@string/app_name"
        android:roundIcon="@mipmap/ic_launcher_round"
        android:supportsRtl="true"
        android:theme="@style/AppTheme">
        <meta-data
            android:name="aia-compat-api-min-version"
            android:value="1" />
        <provider
            android:name="android.support.v4.content.FileProvider"
            android:authorities="com.ztuph.android.FileProvider"
            android:exported="false"
            android:grantUriPermissions="true">
            <meta-data
                android:name="android.support.FILE_PROVIDER_PATHS"
                android:resource="@xml/file_paths" />
        </provider>
    </application>

    <uses-feature android:name="android.hardware.camera" android:required="true" />
    <uses-permission android:name="android.permission.WRITE_EXTERNAL_STORAGE" />

Does anyone have any troubleshooting tips, or other ideas why the image capture would stop writing to the file system?

A:
There does not seem to be anything in the Logcat to indicate a problem.

Most likely it does, but the error would be coming from the camera app, as it has no ability to write to your desired location. Add FLAG_GRANT_WRITE_URI_PERMISSION to your Intent.

It also runs differently on the emulator vs a real device (Galaxy Note 8).

There are hundreds of pre-installed camera apps across the ~10,000 Android device models. There are hundreds of other camera apps that the user might install. Whenever you invoke a third-party app, you are prone to get different results.

Also, the argument intent in onActivityResult is null.

It is supposed to be null.

I cannot tell if the directory is being created (the Files app is too primitive)

Use the Device File Explorer in Android Studio 3.0+.


The FINANCIAL -- The EBRD is continuing to support the Mongolian economy with a €7 million loan to MSM Group, one of the leading distributors of chemical supplies, equipment and construction material for the mining sector.
These funds will finance MSM capex investments needed for the upgrade and modernisation of its new chemical facility to increase chemical production and trading business. MSM Group serves a fast-growing market in the construction and mining sectors and this increased productivity will contribute to its competitiveness.
The Bank's funds will also contribute to the improvement of the company's management practices and the introduction of ISO 9001:2015 quality management standards. In addition, during the first phase the project will see health and safety standards improved through the establishment of a modern, specialised chemical facility including a laboratory to ensure quality control.
The EBRD previously provided MSM Group with a senior loan of US$ 6 million in 2008 to finance the construction of a new mixed-use facility which included offices, a car showroom, a mining and industrial tool shop, a warehouse and workshop and servicing areas. The project was successfully implemented and completed in 2015.
The EBRD works in Mongolia to build a diverse economy by developing the private sector and supporting infrastructure improvements. The Bank has invested more than €1.5 billion in almost 100 projects in the country since it started operations there in 2006.
Next Article Explainer: what is carbon pricing and why is it important?


Absolutely I was making the comparison to the marketing skills being deployed. Right or wrong, some people just have a knack for creating buzz online.
It's crazy how spot on this take is.
I'm for TBC and think it's cool.
But I don't pretend to think I'll ever have the money to belong to a private club a 5hr plane ride away.
So I always thought it was odd to buy a TBC hat or belt. Now if people are real buddies with ZB that's cool. But right now- from a reality standpoint, it's pure marketing.
Some could say NLU is similar, but there is a product in place and I think a lot of us get enjoyment from the content right now.
The problem with Fyre was that a bunch of idiots sold an idea without ever bothering to think about the logistics of pulling it off. It was a physical manifestation of the Instagram lie.
ZB seems to be pretty dedicated to this all through the process. He's educating himself (and others during that) on what it takes to do something like this and has never said he was 'just doing it' without acknowledging the long arduous task ahead.
In a world of easy fixes that are actually lies, that's at least commendable.
This thread is reliably cyclical. You've got to give it credit for that.
We are back to the "gotta sell a lot of hats to fund a golf club" part of the loop. Next someone gets angry that it'll be private, before someone doubts you'll find investors talking the way ZB does, then those who attend the Ringers will talk about what a long-term process this is and the haters just don't get it, which puts the thread back to sleep again until finally there's some new merch promoted on socials and someone links it here, which elicits the new "gotta sell a lot of hats…" that gets us rolling again.
Yea. I doubt it's a rouse by ZB. I'm sure he's got all the intent.
And if people are into "an idea"… that's cool.
If he doesn't drunkenly approach hedge fund billionaire Stanley Druckenmiller and say he'll rename it "The Druck Club" if he funds the whole thing, what is he even doing there?
I dont see what the big deal is. Its a new apparel company thats testing the waters on a golf course. Totally legit.
My first ever (and most likely last) TBC post: And no, I did not read the whole way through some of these massive threads, so forgive me if this take has already landed.
If @sundaybag would be over in the Armchair Architech thread posting that someday he is going to own a back yard, and it's going to have a red barn, and it's going to be awesome, I would give it the "Sounds cool" shrug and move on. I certainly wouldn't have invested cash, or bought a towel and coffee mug. The whole reason the community has embraced BCN is because Ben and @BCNSuper picked up a chain saw and went to work. They showed the community what they were doing, (not even under the pretext of fund raising) and the community could visualize the awesomeness and wanted in.
I had no more info on TBC then what I had seen around The Refuge here, so I decided to go to his website and see what it's all about. Comical. One paragraph from Zac, some sort of drawing that you can only see half of, and a gear shop with 4 or so items, all which are not available. I realize TBC is a much bigger project, but ZB has a much bigger purse to work with. At some point he needs to pick up his chain saw and go to work. I don't see how anyone invests in this with the effort that is being put forth from the founder.
To summarize. BCN will be more successful in its first 2 years then TBC will ever be.
From the looks of it ZB has enough to worry about with his day job, you know, playing golf for a living.
BCN is awesome, and I can't wait to go there.
To compare it to TBC is GD silly. I assume you've not started a business, or raised capital for a business, or done research on a business of any size.
@RangerB not owning the land (yet) is obviously a big hurdle. FYI, MOST golf courses don't own the land before it's purchased, developed, and built. Took 4-5 years between the land at Sand Hills being owned, and when it opened.
Started a small photography company, used my cash.


This beautiful tricolor satin cockade is hand-sewn onto period-correct buckram. Real pine cones adorn the center. (See description below) Felt backing and sterling silver plated pin on back. Approximately 3" (7 cm) across rosette. Pin back is 1" (2.5 cm) wide. Individual pine cones may vary.
"Patriotic individuals were sporting secession badges on their lapels and bonnets. Described as folded blue ribbons, some badges were red, white, and blue ribbons. Others wore a flower posy called a Southern badge, which consisted of a cluster of hyacinths and arborvitae tied with red/white/blue ribbons. Other men preferred a rosette of pinecones. Both men and women wore blue cockades during secession in Rockingham County, N.C."


text:
COVID-19 Updates and Resources: Click Here for more Information!
Northstar Church and Nonprofit Video Conference and Business Webinar Recordings Here! Click Here to View!
CALL FOR A CONSULTATION TODAY
Free for Personal Injury & Criminal Defense Only
Virginia DUI Defense
Non-Profit Law
Intellectual Property & Licensing
Difference Between a Riot Offense and Unlawful Protest Offense
The son of Virginia Senator Tim Kaine was recently arrested during an anti-Trump rally in Minnesota, as reported by NBC News. He, along with five others, were allegedly dressed in dark clothing and entered the Capitol building to set off fireworks and smoke bombs, according to the official St. Paul police report. He was sprayed with a chemical irritant and forced to the ground during the arrest and an officer struck him with a knee to enforce submission. While no charges have been filed presently, the investigation is ongoing. The likelihood of being arrested during a protest or riot has been increasing all across the country due to the current state of civil unrest. Each state, including Virginia, has its own sets of laws regulating peaceful protests as well as criteria of what constitutes a riot or unlawful act.
Definition of a Riot in Virginia
Virginia statute § 18.2-405 states that an illegal event must have the following elements present in order to be construed as a riot:
Three or more people present and acting together; and
The use of force or violence that is seriously jeopardizing public safety, peace, or order.
A violation of this statute is a Class 1 misdemeanor, punishable by up to 12 months in jail and a fine of $2,500. However, if the defendant was carrying a deadly or dangerous weapon at the time of the riot, the charge is escalated to a Class 5 felony, which is punishable by at least one year in prison and up to 10, or at the discretion of the jury or court, a sentence of up to 12 months confinement and a maximum fine of $2,500.
Unlawful Assembly
Even at a peaceful protest, law enforcement may make arrests under the unlawful assembly statute in order to break up the protesters' efforts. Unlawful assembly, as per Virginia § 18.2-406, is a group of three or more people who share a common interest of advancing a lawful or unlawful purpose who:
Intend to use unlawful force or violence;
That unlawful force or violence is likely to jeopardize public safety, peace, or order; and
The assembly of people actually scares or intimidates a reasonably courageous person into believing that there will be a breach of public safety, peace, or order.
No actual illegal force or violence need have been committed in order for a person to be charged with unlawful assembly. Proving in a court of law that the charges of unlawful assembly were justified may be more complicated, however, than proving that charges during a riot were justified. For one, there must be proof that, within the crowd, at least two people had the intention of using force or violence. Violations of this statute constitute a Class 1 misdemeanor or a Class 5 felony if armed with a deadly or dangerous weapon. Remaining at place during a riot or unlawful assembly after a dispersing warning has been given is a Class 3 misdemeanor.
Call a Loudoun County, Leesburg, Winchester, Fairfax, and Prince William Attorney Today
If you are facing criminal charges for participating in a protest or riot, call the Leesburg, Virginia Simms Showers, LLP attorneys today at 703-997-782. We are prepared to assist you immediately.
nbcnews.com/news/us-news/sen-tim-kaine-s-son-arrested-during-anti-trump-protest-n730666
Disclaimer: This legal alert is provided for general information purposes only and is not a substitute for legal advice particular to your situation. No recipients of this memo should act or refrain from acting solely on the basis of this memorandum without seeking professional legal counsel. Simms Showers LLP expressly disclaims all liability relating to actions taken or not taken based solely on the content of this memorandum. Please contact Caleb Kershner or Ben Mann at cak@simmsshowerslaw.com, wbm@simmsshowerslaw.com, or (703) 771-4671 for greater details concerning how this information may affect you.
By Simms Showers LLP | Posted on May 11, 2017 Tags: Leesburg Criminal Defense Attorney, Leesburg Criminal Defense Attorneys, Unlawful Protest Offense, Virginia Riot Offense
CONTACT THE LEESBURG, WINCHESTER & LOUDOUN COUNTY ATTORNEYS OF SIMMS SHOWERS LLP TODAY
Simms Showers LLP is conveniently located two blocks from the Loudoun County Courthouse. Our criminal defense firm offers a free phone consultation for criminal or personal injury cases. Se habla español. Call Simms Showers LLP for quality legal counsel today at 703-997-7821 or contact us online.
CALL FOR A CONSULTATION TODAY 703-879-1364
Leesburg Office
305 Harrison Street SE	Third Floor
Directions Telephone: 703-997-7821 Fax: 703-771-4681
Winchester Office
113 S. Kent Street Suite 201
Directions Telephone: 540-693-2195
Manassas Office
9300 Grant Avenue Suite 101
201 International Circle Suite 230
10505 Judicial Drive Suite 206
Williamsburg Office
3917 Midlands Road Building 1A
© 2019 - 2021 SIMMS SHOWERS LLP. All rights reserved.