Feb. 26, 2010 Signature Breakfast "Question of the Month" Video

Lipscomb & Pitts Breakfast Club members and guests do some "man/woman on the street" interviews to answer this month's question: What do you like about doing business in Memphis?" Responses from Mark Luttrell, Sheriff of Shelby County; Kevin Adams. CEO of CB Richard Ellis Memphis; Johnny Pitts of Lipscomb & Pitts Insurance; Anita Vaughn, CEO of Baptist Women's Hospital; Dave Carlson, director of internal communications at Smith & Nephew; Stacy McCall, CFO of ServiceMaster by Stratos; Greg Hadsall, Regional Solutions Manager for CertiPay; Harold Byrd, president of Bank of Bartlett



http://www.youtube.com/watch?v=MguX8DYxuoY&hl=en

Factors in Obtaining New Truck Insurance

If you are one of the millions of truck owners out there, you know that insurance is a vital requirement. Your truck insurance is an important part of ownership, as well as in remaining legal on the road. Most US states require new truck insurance for any type of truck, though there are several options in the area of insurance that can be used to offset the costs and help you find the right combination of coverage types. Here, you'll find a bit of information about finding the right insurance for your truck.

Commercial Trucks - If you will be using your truck for commercial purposes, you'll need commercial truck insurance. This type of insurance is very different from consumer insurance. However, depending on the type of truck, you might be able to purchase insurance through the same companies. Of course, if you drive a rig, then you will mostly likely have to find a company that specializes in trucking insurance. This is because truckers require significantly different protection than do other drivers. These forms of protection are often unavailable from standard insurance companies.

Off-Road Use - If you will be using your truck only for off-road purposes, such as for use in agricultural purposes, then you will be able to find lower insurance rates than those who intend to drive their truck on the road. This is because the threats to your vehicle are not quite as severe as those found on the highways and Interstates of the US. While falling trees, holes and rocks might threaten your truck, these are usually less devastating than being in an automobile accident. You will likely find new truck insurance for less than other drivers.

Standard Light Trucks - Most other people will be using their trucks for a variety of purposes. This might include hauling items, towing loads and general use as a multipurpose vehicle. In these instances, truck owners can find new truck insurance through standard insurance companies. These companies will offer the same types of coverage available for passenger cars. However, depending on the make and model of your truck, you might be able to find a lower priced insurance policy than other drivers. This is because some trucks are considered safer than cars, due to their heavier construction and greater safety ratings. Of course, this is not always the case, but you should shop around and find the best rates for your particular truck.

Find Cheap Car Insurance For Young Drivers - The Best Technique

Getting car insurances">cheap car insurance for a young driver requires planning and effort for both parents and their teenage drivers. It is important that young drivers know that affordable car insurance for young drivers can only be possible if the youngster fulfills many driving requirements.

The young driver must take courses that are conducted by reliable insurance carriers. These courses provide the training needed for the young driver to be safe in any circumstance. They teach youngsters about moving through oil spots, water spills, and other hazards on the road as well as how to maneuver past obstacles in the road.

Also, students are lectured on how to drive safe in congested traffic and the dangers to look out for when driving in the dark. These tests also teach students how to behave when vehicles or motorbikes suddenly stops in front of them. This teaching is priceless especially when a teen driver will be driving in a big city or on very busy street corners and junctions.

Some major insurance companies also give car insurances">cheap car insurance for youngsters and students who score a good grade point on the average. For as long as the average grade point is maintained, students are awarded a good reduction in their premium costs and this cut will get carried through to adulthood. The average grade score is calculated on the national average for grades and in some areas will be well below what the actual grade point average of many students are. This makes it so much easier for average students to enjoy this rate reduction.

Where To Get This?

Lock Bumping and Bump Keys

A WMC-TV 5 video! PeiferLock.com says, "buy better locks and protect yourself from thieves using the lock bumping technique." WMC-TV 5 investigates the lock bumping threat. PeiferLock.com adds, "If you are a victim of lock bumping, you may not be able to collect from your insurance because there is no sign of forced entry."



http://www.youtube.com/watch?v=hr23tpWX8lM&hl=en

NAFTA Superhighway Has Giuliani As Key Player

On March 23, 2005, U.S. President George W. Bush, former Canadian Prime Minister, Paul Martin and former Mexican President, Vicente Fox, authorized the Security and Prosperity Partnership (SPP), now under the auspices of the U.S. Department of Commerce. Most Americans have little to no knowledge of this seemingly innocuous sounding unofficial treaty and therefore believe there is little reason to be alarmed.

However, what could be misinterpreted as legislation which has been scrutinized, and has gone through the proper channels of government could not be farther from the truth, in that the U.S. Congress has had no direct disclosure of nor has taken part in its execution.

Legally, a treaty would require a two-thirds majority of the U.S. Senate to concur for its ratification as determined by the U.S. Constitution. Cleverly, however, since the SPP is not a treaty, the President was able to avoid such a required procedure by using the power of the Executive Branch. And in August 2006, President Bush additionally crafted a Signing Statement to passed legislation declaring it Constitutional for his administration to withhold information from or deny authority required from the U.S. Congress on the SPP and its negotiations.

With the recent swell and frequency of free trade agreements being passed in the U.S. Congress in the past few years alone, seemingly rushed through without genuine debate or challenge, it would be easy for the public to assume that the SPP was authorized by Congress and thinking matters pertaining to it were in the best interest of the American people. And sadly, many U.S. free trade agreements do not directly better the workers of the countries involved, but are solely reserved for big business profiting from cheap labor, and foreign lobbyists and bureaucrats enriching themselves.

But the SPP is cleverly disguised as a boon for all three North American countries and its citizens, yet has lacked input or oversight from federal, state, or municipal legislators nationwide. The goals of the SPP agenda largely include a call for transparency and unprecedented cooperation with respect to all three governments' commerce and trade. The endeavor is to join forces in uniting as one competitive body in the global marketplace and to function as the North American Union (NAU), which at the same time whittles away at each country's sovereignty, its national security and its laws.

The facilitation of the SPP will stem from the use of the U.S. interstate highway system providing the roads for inter-continental and interstate commerce. For that to happen will require retro-fitting of existing interstates as well as building new roads, including gas and power lines, including light rail, from the interior of Mexico, through the central corridor of the U.S. and on into Canada.

Both the proposed NAU and NAFTA Superhighway are offshoots of the North American Free Trade Agreement, signed in 1992 by then President Bill Clinton. At the time it was sold to the American people and the Mexican government as a win-win for both peoples and would re-balance the flow of trade back to Mexico in order for Mexican workers to earn a living wage. But that never transpired and instead backfired, resulting in the onslaught of nearly 20 million illegal aliens since, illegally crossing the U.S. southern border, supposedly looking for decent paying jobs.

But to fully understand the evolution of the call for the need of a NAFTA Superhighway it is important to at least understand the recent history behind it. The introduction of free trade policy has morphed into a priority of the U.S. government today, even putting national security at risk in order to fulfill its agenda. It was the Reagan Administration's vision of free trade, a direct response to Japan's explosive growth and expansion in both the automobile and electronics industries in the U.S., which began to shift the balance of trade and the lopsided result we now have today with most of our trading partners.

And fifteen years since the passage of NAFTA has not only enabled the U.S. to globalize arguably beyond proportions in all areas of commerce, industry and trade, but it has helped to foster public-private partnerships, a benign term used to mask what are essentially foreign-direct investments. And foreign-direct investment has grown precipitously since 1988 when former President George H.W. Bush signed the Exon-Florio Amendment to the Defense Production Act of 1950.

It was also in 1988 when then President George H.W. Bush, through Exon-Florio delegated his power to approve or disapprove such foreign acquisitions to the Chairman of the Committee on Foreign Investments in the U.S. (CFIUS), relieving the President of the responsibility in determining national security threats in foreign-direct acquisitions. Unfortunately, the definition of national security in a post-911 world remains too narrow to address protection of critical infrastructure, a scarce defense supply, or preservation of technological standards, among many other risks, unquestioned back in 1988.

The Exon-Florio Amendment authorizes the President to "suspend or prohibit foreign acquisitions, mergers, or takeovers of U.S. companies if a foreign controlling interest might take action that threatens national security." And the term "foreign control" remains ambiguous and decidedly so. The ramifications of the Exon-Florio Amendment reared its head when in February 2006 CFIUS, an arm of the U.S. Department of the Treasury, became widely recognized for its authorization of the Dubai Ports World to operate multiple East Coast port operations including the Port Authority of New York, and the ports of Baltimore and Miami.

The balancing act of national security and foreign-direct acquisitions has relegated national security concerns to that of an afterthought, as the Department of the Treasury's prime priority is expanding commerce in the global marketplace. Complaints about the secluded CFIUS process, however, predate the Dubai Ports World alarm bells of 2006. For it was in October 2005 when Senator Richard Shelby, (R) Alabama, called for hearings on the inclusion of Congressional oversight of CFIUS approvals. And it was prior to 2006 when Senator James Inhofe, (R) Oklahoma, lobbied for Congress to be able to reject CFIUS approvals.

As it stands, most every foreign acquisition sails through the approval process. Unless there is a 45-day investigation process after the required 30-day review by CFIUS, the President's approval is not required and thereby never reaches the Congress for any interaction or input. Between 1988 and 2005 only two foreign acquisitions were unapproved out of 1,555 reviews. Both were withdrawn and eligible for later re-instatement.

Many foreign entities seek out a "pre-screening" with CFIUS' member agencies, comprised of 12 departments of the U.S. government, if national security concerns are anticipated in order to mitigate the chances of non-approval and triggering the 45-day investigation.

The disparate interests of free trade and the protection of critical infrastructure, and in particular the U.S. highway system as well as public utilities, has given way to high-powered U.S. law firms and professional lobbyist organizations that lay the groundwork for foreign conglomerates to land foreign-acquisition contracts with cash-starved states amenable to foreign-direct investment.

Such is the case with the Trans-texas Corridor (TTC), the brainchild of the texas Department of Transportation (TxDOT) in concert with the SPP. It is a multi-billion dollar web of highway building, toll road maintenance, gas pipelines, public utilities and railroad contracts as complex and as multi-layered as the U.S. interstate highway system itself. A flurry of over 20 foreign acquisitions of interstate highway projects and toll road maintenance contracts have been approved since 2003 with many more nationwide working their way through state legislatures, such as that of the New Jersey Turnpike which Governor Jon Corzine believes is ripe for foreign funding.

But the TTC is the biggest and most massive highway building project of them all and for the first time will rely upon a foreign entity to not only maintain toll roads but to have a stake in building, controlling operations and tolls and expanding new roads and critical infrastructure. Additionally, eminent domain law will come into play in order to reconcile the taking of property and farmland for road expansion to accommodate pipelines and railroad tracks.

And much like the SPP planning, which took place behind closed doors, the TTC collaboration began in 2002 in Texas Governor Richard Perry's chambers, where state legislators and taxpayers were deliberately cut out of negotiations and the bidding process. Negotiations began with the Spanish engineering transportation construction firm, Cintra Concesiones de Infrastructures de Transporte, S.A., a subsidiary of the Grupo Ferrovial, which specializes in toll roads and car parks and considered a leading developer of private-sector infrastructure throughout Europe.

At the center of negotiations for multiple legs of the Superhighway Corridor throughout Texas, is none other than Rudolph Giuliani's law firm which landed the Comprehensive Development Agreement for a widening of Interstate-35, now referred to as the TTC-35, in addition to the Master Development Plans for State Highways 121 and 130 among other legs of the TTC. All negotiations for Cintra were and are presently handled by the law firm, Bracewell & Giuliani, LLP, of which Republican Presidential candidate, Rudolph Giuliani, has been a senior executive partner since March 2005. His law firm is the exclusive legal counsel for Cintra. Bracewell & Giuliani is comprised of 400 attorneys, based in Houston, TX with offices in New York City, Washington, D.C., London and Kazakhstan.

Cintra joined with San Antonio, TX-based Zachry Construction Corp. to help land the contracts, in which Zachry owns a 20% interest. The Cintra-Zachry proposal for TTC-35 includes a private investment of up to $6 billion in upfront payments for the complete construction, design and operation of a 316-mile toll road between Dallas and San Antonio, giving Cintra the right to set tolls and keep toll road profits for a period of 50 years, as it will for each road it has contracted.

The NAFTA Superhighway and its corridors will run from Southwestern Mexico through Laredo, Austin and Dallas, TX, into Kansas City, KA, serving as an inland customs port. The corridor will split in Kansas with one leg going to Winnipeg, Canada through Omaha, NE. The other leg goes to Toronto, Canada through Des Moines, IA, Chicago, IL and Detroit, MI.

As many as 10 lanes, one-mile wide will incorporate double rails and pipelines. The second corridor is planned from Brownsville to Houston, TX through Arkansas, Memphis, TN and into Norfolk, VA. While the principal use for these corridors is to speed Asian goods into the Central and Eastern U.S., it will require 145 acres of land per mile or 540,000 total acres of land. And in Texas, the state may utilize its own discretion in using eminent domain law in order to reach its goal.

Had gasoline tax revenues been properly allocated and solely reserved for highway projects over the years, neither Texas nor numerous other states would be as desperate for funds as they claim they now are, as many highway funds have been found to have been raided for other state projects and public funding.

The citizens of Texas only as recently as February 2007 began to attend state legislative hearings where many state lawmakers themselves were beginning to become familiar with the Cintra contracts. Several have called for a moratorium on at least the TTC-35 project, envisioned as a high-speed highway, until they can evaluate issues such as eminent domain, cost benefit analysis, environmental impact and homeland security ramifications.

Most interesting to the whole story is not only has Mr. Giuliani's involvement in the NAFTA Superhighway not ever having been publicly addressed, but how a foreign company is awarded the building of a mass highway system, versus maintaining it, for the first time in U.S. history, and negotiated by the law firm of the top Republican candidate running for President of the United States. And truly disturbing is how such will not only have national and homeland security and sovereignty implications but how it is deliberately being kept away from the Halls of Congress.

Giuliani fancies himself as an expert on homeland security issues and a law enforcer. And he has amassed quite the portfolio since 2002, earning $20 million in that year alone, by selling himself as such. He owns Giuliani Partners, Giuliani Safety & Security and Giuliani Capital Advisors. In March 2007 he sold Giuliani Capital Advisors, a former Ernst & Young finance company he purchased in 2002, to Macquerie Infrastructure Consortium. Not coincidentally, it is a partner of Cintra's in its shared operations of toll roads in both Indiana and Chicago, IL.

Bracewell & Giuliani represents some of the biggest multi-national oil, utility infrastructure and financial corporations both in the U.S. and abroad. With that have come the connections that Giuliani has been able to tap into for campaign donors, essential for his presidential bid, not only in Texas but nationwide, as he has become the consummate globalist. But more troubling than potential conflicts of interest as a public servant is his lack of compunction to secure U.S. borders and then planting himself squarely in the middle of one of the most controversial and historic highway system projects since the 1956 National Federal-Aid Highway Act.

Particularly unnerving, given Guiliani's personal experience on 9-11, is his defense of open borders at any cost while condoning the NAFTA Superhighway Corridor and by extension the North American Union, without the purview or consent of the U.S. Congress or the will of the American people.

We should have seen it coming when Giuliani enacted Special Order 40 in 1994, during his tenure as Mayor of New York City, in ordering law enforcement officers to no longer check the legal status of suspects caught violating the law. We should have seen it coming when Rudolph Giuliani single-handedly decided that illegal aliens were not lawbreakers and also quit upholding the law. And unfortunately we now do see it coming. But sadly, he may now actually be handed the opportunity to no longer defend and abide by the U.S. Constitution of the United States of America.

Copyright ©2007 Diane M. Grassi

Contact: dgrassi@cox.net

23 December 2009 NYSE Opening Bell St Jude Hospital

St. Jude Childrens Research Hospital visits the NYSE to recognize the organizations philanthropic initiative during this holiday season. In honor of the occasion, a local St. Jude patient rings The Opening Bell�, joined by his family and members of the St. Jude Wall Street Committee. On November 30, The New York Stock Exchange held its first Floor Brokers Charity Trading Day to unite customers, brokers and the Exchange for the purpose of helping children battling cancer and other deadly diseases at St. Jude. NYSE Euronext donated to St. Jude all of its net transaction fees for orders that day by floor brokers in NYSE and NYSE Amex securities. St. Jude Childrens Research Hospital St. Jude Children's Research Hospital is internationally recognized for its pioneering work in finding cures and saving children with cancer and other catastrophic diseases. St. Jude is the first and only pediatric cancer center to be designated as a Comprehensive Cancer Center by the National Cancer Institute. Founded by the late entertainer Danny Thomas and based in Memphis, Tenn., St. Jude freely shares its discoveries with scientific and medical communities around the world. St. Jude is the only pediatric cancer research center where families never pay for treatments not covered by insurance. No child is ever denied treatment because of the familys inability to pay. St. Jude is financially supported by ALSAC, its fundraising organization. For more information, please visit www.stjude.org.



http://www.youtube.com/watch?v=-Pk8Xep-Pnw&hl=en

Republic Cohen spoke in support of the financial rescue package

Congressman Steve Cohen speaks on the Floor of the House to rally support for the passage of the financial rescue package. He commends his colleagues for adopting an FDIC insurance coverage increase to $250000 to help small businesses and community banks, a proposal he offered on Monday, September 22nd, in a bill he introduced called the Individual Depositor and Community Bank Protection Act of 2008 (HR 6986).



http://www.youtube.com/watch?v=moujVAAvjDo&hl=en

2142 Ptarmigan, Memphis TN 38134 $52900

2142 Ptarmigan Trail, Memphis, TN 38118 Purchase Price: $52900 Property Status: Needs Repairs (included in purchase price) TAX APPRAISAL: $81000 Closing Costs: $1k (estimated) Total Monthly Debt Service (Assumes Cash Purchase) Rent Range: $795 estimated City/County Taxes: $122 (based on 2009 values) Insurance: $50 Less Management (8%): $64 Positive Monthly Cash Flow: $559/month Does NOT Account For: Maintenance (10%): $79.50 Vacancy(10%): $79.50 Total Net Positive Less Vacancy and Maintenance: $400/month



http://www.youtube.com/watch?v=MWzkyjKcriE&hl=en

Memphis advocate Vincent Perryman discusses Tax Preparation with Gus Wilson Part 3

Some additional documents to bring to your Memphis tax preparer are any forms of income that are not included in a 1099 and also any receipts that can be applied against the 1099 as a business expense. Any schedule C information such as insurance, mileage on business vehicle, telephone, computer fees, and any equipment that depriciates over a long period of time. If you are a member of a Memphis S-corp or Memphis Partnership it is a good idea to bring in your K1s. K1s are proof of earnings and losses on a Memphis business. Other 1099s are also important. All 1099s that are proof of money received from investments. 1099s that have dividends that roll over into the investment will need to be claimed as well. On the deduction side, some good forms to bring are 1098s for mortgages. Any additional information received that involves finances, personal or business. The more information given to the Memphis Tax Preparer the better. Some new credits that can be applied to Memphis taxes are the 8000.00 first time home buyer's tax credit. This allows any Memphis resident that is purchasing a home to receive an 8000.00 tax credit. This tax credit has been extended into 2010. An additional benefit that is included in the new tax bill in addition to the first time home buyer tax is the unemployment benefit. This allows the first 2400.00 earned from unemployment to be untaxed. Also if you are laid off from a Memphis business the government subsidizes the Cobra health plan up to 65% of ...



http://www.youtube.com/watch?v=uJdZNDMnNTs&hl=en

Don't Rely Upon Templates When Constructing Buy-Sell Agreements

This article is a warning against the blind use of legal forms, or templates, for developing buy-sell agreements. Parties to each and every buy-sell agreement need to take time to agree on the key business and valuation aspects of their agreements, then have a qualified attorney (who can also be involved in reaching agreement) draw up the document.

What could be simpler? All the parties have to do is to agree on the events that "trigger" the buy-sell agreement, on who buys stock, and on the pricing and terms of the purchase. Also, it is helpful if the funding for the transaction is specified, as well. The problem is, if my experience is any indication, these things are almost never agreed to at the level at which it is necessary for the shareholders to understand what will happen when their buy-sell agreements are triggered by the quitting, firing, retiring, death, disability, divorce, etc. of a shareholder.

Keep in mind that I am not a lawyer and do not draft buy-sell agreements. I am, however, a business appraiser who has seen hundreds of buy-sell agreements as part of our normal valuation practice - too many of which after failed valuation processes when litigation has already ensued. As such, I read and interpret buy-sell agreements from business and valuation perspectives in the normal course of my business and I can say that relatively few of them address the basic questions in unambiguous terms. Could this be because, in part, too many people rely upon standard forms rather than doing the sometimes difficult work of sitting down together to agree to the key business and valuation issues?

Over the 2009 New Year holidays, I did some fairly unscientific research. I Googled the terms "buy-sell agreements" and "buy-sell agreement forms." In searching quite deep into the rankings, six forms were found that were available on-line and free. There are numerous sites that charge for buy-sell agreement forms, and others that claim to offer templates "for free," but require a "membership" to access them. At another time, I'll set a budget and go form-shopping to see if the results are different. Of the six free templates found, I noted the following:

A cross-purchase agreement.

One was a cross-purchase agreement template calling for each of two shareholders to purchase life insurance on the life of the other. They had to agree on value periodically. Did I say that shareholders almost never do this? There was no other pricing mechanism.

A (valuation) process agreement.

This template addressed only death and termination of employment and no other trigger events (e.g., divorce or disability). The pricing mechanism read as follows:

"Unless the parties agree to another price in writing, the price for each share of capital stock shall be equal to its fair market value as an ongoing business concern as determined in the sole discretion of the company's Certified Public Accountant (CPA), and such determination shall be binding and conclusive upon the parties hereto."

"Fair market value" is generally thought to be a defined term among business appraisers, but what if the company's CPA is not an appraiser? The definition above leaves open to the sole discretion of the CPA, who may not be qualified as an appraiser, as to whether valuation discounts, such as minority interest or marketability discounts, should be considered and/or applied in the determination of price. Would you want an unqualified CPA making such decisions? Would he or she want to make them?

This agreement also had a deadlock provision in the event that the parties could not agree on the company's CPA. In that event, the shareholder's estate and the company would each select a CPA, the two of which would select a third CPA. The price would be the average of the three conclusions. Note that there is no requirement that the other CPAs be business appraisers or have appraisal credentials.

It was not clear whether the life insurance the company might purchase (at its election) should be considered to be a corporate asset (and added to value in the determination of price) or as a funding mechanism only, and not added to value. The CPA would, in his or her sole discretion, have to make that decision.

This agreement, if implemented, would be a disaster waiting to happen.

An identical form was found on another website.

A corporate buy-sell agreement.

This agreement template suggested either an agreed value, or a formula value, but only blanks for the formula were provided. The most likely valuation mechanism was then defined:

"Purchase Price in Lieu of Establishment of Current Agreed Value. In the event the Shareholders do not establish an Agreed Value for more than two (2) years prior to the Date of Death or Withdrawal or Date of Occurrence, then the Agreed Value shall be calculated by an independent Certified Public Accountant acceptable to a majority of the shareholders. The accountant shall determine the fair market value of the Stock as of the Date of Death or Withdrawal or Date of Occurrence, as appropriate, by whatever means he deems appropriate. This fair market value shall then become the Agreed Value. The accountant may apply whatever discounts he believes appropriate, including discounts for lack of marketability. The fees and expenses of the accountant shall be paid by the Company." (emphasis added)

Should the CPA have appraisal credentials? Is the appropriate "fair market value" that of the entire company or of just the interest in the company subject to the agreement? Note that a minority shareholder subject to the agreement might have no say whatsoever in the selection of the CPA, since the selection will be determined by a majority of the shareholders by number. If there are at least three shareholders, this situation could easily occur.

A right of first refusal.

Another agreement template entitled "Buy-Sell Agreement Between Stockholders" was nothing more than an onerous right of first refusal and was not a buy-sell agreement at all.

A public company voting trust.

The last free buy-sell agreement template found involved the creation of a voting trust of a presumably public company. The pricing for transactions pursuant to the agreement was the average of the opening and closing prices on the specified notification date. There were voting and nonvoting shares. The agreement did specify that there would be no differential in pricing between the two types of shares.

There's an old saying: "There's no such thing as a free lunch." My search for buy-sell agreement template language would suggest that there's no such thing as a free and workable buy-sell agreement form. Perhaps the forms that carry a price are better. Those ranged from $2.99 to $79.00. Given this pricing, keep in mind another saying: "You pays your money and you takes your chances."

In conclusion, if the shareholders agree on the pertinent business and valuation points, any experienced business attorney should be able to reflect that appropriately in the buy-sell agreement. My business and valuation advice is straightforward. Do not blindly use any template when creating a buy-sell agreement. Rather, get agreement on critical issues and then modify whatever form is used to reflect the actual agreement of the parties. And in the likely event that you have a buy-sell agreement and don't know the answers to the basic questions mentioned above, now would be a good time to convene a meeting of the shareholders to consider revising the buy-sell agreement.

Truth TV World News-9/11 LIVE-UnCut/Unedited News Coverage of 9/11-WE WERE LIED to!

Please join ourpeace campaign. Send us either/or your Youtube USER ID ie youtube.com or phone number and/or real name or an active email/name to post on the front pages of Truth TV. This will allow US/World Citizen to let them(US/One World Government's) know that WE DON'T FEAR THEM! They have separated the world citizen with FEAR, Religion, Money and Politics. FEAR is being pumped into our subconsicious memory via TV, Radios, Newspapers, Magazines ect.. TURN off YOUR TV, Radio, quit paying for Mind-Control. Unhook your cable/DTV, don't BUY and read the daily newspapers, dont BUY people, cosmoplitan magazine, dont go to movies and pay $12 to be "brainwashed". The ONLY way we are ever going to beat them is through joining together and doing the above mentioned. They have us right where they want us by the below four things: 1. Fear- In fear- not to post your real identity on the internet, even though most of you do banking, shop, pay car insurance daily on the internet. 2. Religion- Fear of a Creator that is going to punish us if we don't do what religious leaders say ie Christians are being taught Muslims are worshipping the devil- Muslims are being taught Christians ARE the devil and need to be killed 3 Money- They (politicians,people with money) have most of it while WE(world citizen,most coming to youtube) struggle to eat and have a place to call home 4. Politics-They have us convinced that THEY(politicians) are protecting us from the EVIL(TERRORISTS) that lurks on ...



http://www.youtube.com/watch?v=-IGiHnoZ-0o&hl=en

All You Need to Know About Car Insurance Coverage in Memphis, Tennessee

Coverage Types in Memphis

Before you begin your search for car insurance in Memphis, take a quick look at the major types of coverage available. Liability coverage will pay to repair the other party's vehicle (or replace it if necessary) if you are the cause of an accident. This coverage will also pay medical bills for the other party or lost wages if the person has to be out of work for any length of time. Comprehensive coverage gives protection for other incidents besides car crashes, such as fire, natural disasters or flood. A replacement for a stolen car is also covered with this type of coverage. Collision coverage pays for damages to your own vehicle if you are found to be at-fault in an accident; however, this type of insurance is only necessary if you still owe money on your vehicle or if your vehicle still has a value worth insuring.

Uninsured/Underinsured Motorist provides protection if you have an accident with someone who has no insurance or insufficient car insurance to pay for the repairs. This also protects you if there's an incident of hit-and-run. Personal Injury Protection, also known as PIP, is very important if you don't have medical insurance. This coverage helps pay medical bills for you and any passengers if you have an accident.

Several other options are also available if you think you would have a need for them, such as roadside service, towing and rental car.

Minimum Requirements for Memphis, Tennessee Car Insurance

If you are a motorist in the state of Tennessee and own a registered vehicle, you are required by law to maintain liability insurance coverage. You have the choice to either purchase a combined policy or meet certain minimums. As a motorist of Tennessee, you are not required to purchase personal injury protection or uninsured motorist coverage. Tennessee also uses the Tort system for determining who must pay auto accident expenses.

The individual limits for liability insurance coverage in Tennessee are $25,000 for bodily injuries for one person in one accident, $50,000 for all bodily injuries in one accident, and $10,000 for property damage per accident. Proof of insurance coverage is not required at the time of registration, but is required at all times while in your vehicle.

Switching Your Current Insurance to car insurances">cheap car Insurance

Take a look at your current insurance policy and make a comparison with policies online to see if you are getting all the savings you deserve. For instance, are you getting a discount for anti-theft devices in your vehicle? What about a multiple car discount? Do you have a six-month or yearly policy? Has your provider asked you how many miles you drive to work? Do you have a teenage driver in your household? Did your teen take driver's education? Is your son or daughter doing an outstanding job in school? All these can equal great savings with most insurers, but you'll have to do some online comparisons to find out which providers in Memphis can cater to your family's needs. A quote comparison online takes only a moment, but can save you from a lifetime of high premiums.

Celebrity Suicides - Published, Hidden, and Nebulous Causes of Death - Part I of III

With the recent suicides of comedian Richard Jeni and band Boston leader Brad Delp, I started to reflect and research about other high-profile suicides. I learned that there were many famous, success people, talented artists, actors and musicians who suffered from depression and have successfully committed suicide. Sadly too many for just one post.

I never had suicidal ideations prior to vagus nerve stimulation therapy. I just didn't want to live. There is a subtle difference. We all know the difference between not wanting to live and actually committing suicide.

If you have suicidal ideations, you should immediately call 911, a family member and the Suicide Help Line; 1-800-SUICIDE( 800-784-2433)

These people had everything, yet they had nothing:

Johnny Ace (1954), singer, American singer, playing Russian Roulette

Nick Adams (1968), American actor ("Rebel without a Cause" with James Dean), close friend of Elvis Presley and member of Elvis' so-called "Memphis Mafia", overdose of paraldehyde and Promazine.

Marshall Applewhite (1997), leader of the Heaven's Gate cult

J. Clifford Baxter (2002), Enron vice-chairman

Ricky Berry (1989), American NBA Basketball player (Sacramento Kings)

Jonathan Brandis (2003), American actor, Kate & Allie, LA Law, hanged

Cheyenne Brando (1995), Daughter of Marlon Brando, hanged

Kurt Cobain (1994), lead singer and guitarist of the American rock-band Nirvana, gunshot

Ray Combs (1996), former host of popular American game show Family Feud, used bedsheets to hang himself

Dennis Crosby (1991), actor, son of Bing Crosby

Andrew Cunanan (1997), killer of Gianni Versace and four others

Denice Denton (2006), University of California Chancellor, jumped from 42-story San Francisco apartment building

Richard Farnsworth (2000), U.S. actor, Oscar nominee

Vincent Foster, (1993), Deputy White House Counsel in the Clinton Administration, gunshot

Sigmund Freud (1939), founder of psychoanalysis (lethal dose of morphine)

Dave Garroway (1982), original host of NBC's Today Show

Rusty Hamer (1990), American former child actor (The Danny Thomas Show)

Lois Hamilton (1999), actress, The Dukes of Hazzard and Three's Company, locked herself in a hotel room, took sleeping pills and placed a plastic bad over her head.

No single factor has gained acceptance as a universal cause of suicide. However, depression is a common phenomenon amongst those who commit suicide. Psychiatrists says that depression is suicide left untreated, but suicide is 100% preventable if treatment is sought.

I was shocked at the number of well-known suicides and I am only partially finished with this research project. Please comment with any insights as to why famous people commit suicide. Perhaps we all can learn something.

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Tips to Make Flying with Children a Joy

Children consider a flight in an airplane to be the pinnacle of existence. Life simply doesn't get any better than the excitement of being in a great big metal tube, with butterflies from your stomach pushed up your throat with the force of takeoff. The opportunity to look down on clouds that you would ordinarily look up at provides a sense of wonderment that remains with people for the rest of their lives.

Parents, however, tend not to share their offspring's unbridled joy. They know that the gauntlet of airport security checks, unruly children, piles of luggage, and lost passports was just the beginning. They still have to face a flight with little children.

In the spirit of goodwill and with due consideration to all passengers without children, airlines have come up with some proactive suggestions to limit the stress of travelling with children. Firstly, they recommend that you try to book your entire trip on one carrier. This will simplify matters should there be any complications regarding delays or connecting flights. If a connecting flight is inevitable, it is advisable to factor in an extra 30 minutes per child when calculating the minimum connection time.

Parents with small children can take advantage of priority boarding procedures. This allows them the time to get settled without being rushed and bumped by other boarding passengers. Another stress saver is the system available at many airlines that allows you to pre-book children's meals. These meals are delicious, nutritious and are served before all other meals so that you can enjoy your meal in peace.

Many airliners provide special activity packs to keep children occupied and prevent boredom from making them a nuisance to their parents and other passengers. A well-known British company provides activity books on short haul flights that are over an hour. Activity packs are available on flights that are longer than two and a half hours.

The packs include write-and-wipe magic boards, colouring books with crayons, magazines with activities and pens, books to read, travel journals and pens, electronic games, etc. Other forms of entertainment include family movies and cartoons, a pop audio channel, and a selection of handheld console games.

An airline from the United Arab Emirates also provides a goodie bag full of toys and activities. There is a toy that teaches children about various destinations around the world. The bag also contains a book of Dr Seuss stories and an activity magazine called e-kids.

The airline caters to the special dietary requirements of children. They have designed special meal boxes that are capable of serving hot food without burning fingers. They meet stringent safety requirements, seal well and have strong handles for easy transport. The boxes are divided into three compartments. One contains the hot meal and the other two contain "favourite foods".

Airlines are going out of their way to make flying a more pleasurable experience for adults and children alike. They aren't motivated solely by goodwill, however, and their intentions are somewhat more commercial. They seek to impress parents with their care of children and secure their continued business. They aim to catch the children while they are young and turn them into loyal regular flyers from an early age, encouraging them to one day fly with their own children on their favourite airline.

Recommended sites:

http://www.ioltravel.co.za/article/view/4112306

http://www.britishairways.com/travel/child/public/en_gb

http://www.ioltravel.co.za/article/view/4133378