Report Incidents #bail #bond #hotline


Report Incidents

Everyone should be vigilant, take notice of your surroundings, and report suspicious items or activities to local authorities immediately.

Report Suspicious Activity

“If You See Something, Say Something™”
If you see suspicious activity, please report it to your local police department. If you are experiencing an emergency, please call 911.

Chemical Security

CFATS Chemical Facility Security Tip Line: 877-394-4347 (877-FYI 4 DHS)

You may report concerns on voicemail anonymously. If you want a return call, leave your name and number. Calls to this tip line involve the Chemical Facility Anti-Terrorism Standards (CFATS) regulation at your facility or another facility.

National Infrastructure Coordination Center: 202-282-9201

If a potential security incident that has already occurred, call this number to report it. Call 911 or contact your local FBI field office instead if this is a security emergency or terrorist incident.

Cybersecurity Activity

Emergencies in Federal Buildings

Report life-threatening and non-life-threatening emergencies in federal buildings to Federal Protective Service (FPS) .

  • Report suspicious activity by calling 1-877-4FPS-411 (1-877-437-7411).

Oil and Chemical Spills

The sole national point of contact for reporting all oil, chemical, radiological, biological, and etiological discharges into the environment anywhere in the United States and its territories. The NRC is staffed by Coast Guard personnel who maintain a 24 hour per day, 365 day per year telephone watch, and an online reporting tool.

Report Criminal Activity

Report crimes to U.S. Immigration and Customs Enforcement’s (ICE) Homeland Security Investigations (HSI).

Phone: 866-347-2423 (from the U.S. Mexico and Canada)
802-872-6199 (from any country in the world)

Report Terror Activity

Best Bail Bonds in Dallas (75254) with Reviews #bail #bond #in #dallas #tx


Dallas, TX Bail Bonds

While working at Cowboy’s Bail Bond, I have the opportunity to work with great team who demonstrates that not every opportunity was automatically the right opportunity. In the business of bail bonds clients and client representatives will tell you everything under the sun to gain your trust however the facts are the same – the person is in jail for violating the trust of the community. To gain the trust again requires certain procedures to be followed, and if the clients can not follow certain established steps that he has in place then more than likely they will continue to violate that trust and not capable of earning his trust. By not earning his trust means and he does not issue a bond or accept them as a client. Many of the bond agencies are motivated by financial gain and thus have short-lived careers whereas his agency has been consistently growing for over 10 years

We’ll to me Maverick Bail Bonds is the place to go the guys helped my mom get all the information that she needed and got the process going ASAP. The guys there treated me like family and I enjoy walking in there every Friday to check in thanks to Juan manqueros and the other employees there for all the help and support that they have given me in the time of need I have gone to other bail bonds and never had someone go out of their way to help like these guys do I am very pleased with the work that these guys do and I respect them to the fullest and if I was ever to get into any trouble again or new anyone that needed help like the situation I was in I would recommend these guys in a heartbeat without hesitation. Thanks maverick bail bonds .

This experience has been horrific! Not only did they deny my application to bond my husband out, I was told that I can’t get a refund in cash that I will have to wait 3 to 5 business days for it to be refunded on my debit card. Its been 7 business and no one is taking ownership of this issue. I have been patiently while my money is just laying around in never never land. They are not putting their best foot forward nor are they customer oriented. It takes less then 30 seconds for the money to withdrawn but takes days to get a refund. And they know the process on how bonds are rejected but they took my money anyway, knowing it was going to get rejection. I will never refer anyone to them.

Jasmine is the best. AA best bail bonds has been a tremendous help. Great service. Quick and helpful. Jasmine took so much time (on more than 3 occasions) to make phone calls to the jail and get all of my questions answered. Thank you so much jasmine you made this terrible process all the more bearable with your knowledge, expertise, and kind and compassionate nature. I appreciate all that you have done for us. Best bail bonds really is the best.

maverick bail bonds is the best

After leaving one bail bondsmen feeling hopeless because they wanted a ridiculous amount of money or collateral, I walked into Maverick and felt a lot better Everyone was so friendly, respectful and very helpful, they really treat you like family. Carlos is the best. He was able to get my husband released with no problem. Thanks to everyone at Maverick, you guys are a awesome team.

This is reliable bail bonds b.

This is reliable bail bonds business. Called several places and this office was the only one that actually had me on the phone while checking on my friend in jail and let me know what I needed to post bond. The other places I called, said they were gonna call me back and till this time, well, they haven’t.

hi friends one day i was in a.

hi friends one day i was in a jam an i did know what to do an as i am telling a friend a friend told my mom a great place to go an that was maverick bail bonds they made it easy for my mom who was a wreck i was out quicker then you can say maverick bail bonds i my self was freed

After calling around to couple of bail bonds we finely found Maverick Bail Bonds. Talk to Mike and he helped getting me out of jail. They have a very friendly staff that is willing to do what they can to help. Thanks MAVERICK BAIL BONDS for all your help. James

When I came in jasmine was the most helpful person I had encountered in his process of trying to bail out a loved one. Despite being overworked and unappreciated she continued to put her best foot forward and helped me in the door in a minimal amount

Most of my coworkers are great people. Very helpful and that’s including everyone from corporate to other offices in the company. The ability to network with lawyers, jail deputies and clerks is great if that’s a possible career choice for someone.

7 Style Lessons from 007 #holiday #bond


7 Style Lessons from 007 | James Bond Fashion in Skyfall

Bond James Bond is a timeless man s man. He was a gentleman and an action hero in our grandparents time and he s one today.

Of course, we ve gone through a few actors to keep Bond from getting too long in the tooth. At this point the quasi-official explanation is that James Bond is a code name, like M, that gets passed from one super-spy to the next.

But who cares about that? Let s talk about his clothes.

1. Caring About Your Appearance is Manly

No one can argue that James Bond isn t manly. He s masculine. He s tough. He s rugged. He s not just good at his job, he s good at it in a way that is undeniably (and sometimes exaggeratedly) testosterone-pumped.

Bond is also perpetually sharp-dressed. Even when he s not wearing a tuxedo he s still fashionable. His casual clothes are dressy, well-cut, and sophisticated.

There s a lesson in that: caring about your appearance is not an effete, unmasculine thing to do. You don t need stubble and a ripped shirt to prove how macho you are.

We love James Bond in part because he s larger-than-life. He s something to aspire to and part of that aspiration is not just being the guy who can save the world, but the guy who can do it in a tux. Bond wouldn t be Bond if he wore Army fatigues in every movie.

2. Function and Style Can Coexist

Don t get me wrong here James Bond s wardrobe must be costing the British government more than some departments of their civil service. But he does manage to perform some impressive feats in clothing that s made for style rather than pure practical function.

We see Bond in a good range of outfits in Skyfall, and costume designer Jany Temime shows them in a wide range of activities too. We have Bond standing, sitting, running, falling, and shooting, not just in his training jacket but in custom-made Tom Ford suits.

And its clear that he can run and jump and shoot in those suits. We see his shoulder holster in some shots, and the way it vanishes in others makes it clear that Bond has his jackets tailored for that extra room. His fit is too tight to hide anything not designed into it (in fact, we see some wrinkling in his trousers in this one, almost certainly a deliberately overstuffed part of Daniel Craig s more brutish, muscled Bond interpretation).

Without spoiling anything, Craig s suits take a beating. But he s performing all manner of stunts in Tom Ford suits and Crockett Jones shoes, and we in the audience never have a hard time believing that it s real. That s proof right there that dress clothes aren t, by default, stiff and uncomfortable if your tailor s good enough, you can wear them to a gunfight.

3. Small Details Are Not Small

Fashion watchers will get a lot of joy from the small details in Skyfall. Bond s suit jackets, for example, are three-button rather than two, with lapels that roll to the middle button. Craig wears them with only the middle button fastened; both the top and bottom button are undone.

Does that make a difference? Absolutely. It takes a very traditional British style and updates it a little moves him, in effect, from Savile Row to Hollywood, without losing the classic elegance of the suit.

We also get to see a couple of very cool visual nods to Bond s own respect for detail. This is a man who leaps onto a moving train, catches his balance, and adjusts his cufflinks. Very cool.

4, Classics Are Timeless And Worth the Money

How does James Bond always look so good in the movies?

He wears the best stuff. That s how it works.

Every suit we see is a classic. We see him in light gray, medium gray, dark gray, and dark blue. The fit is tailored, the jackets are buttoned (even in many of the action shots), and the neckties are simple knits. Bond has been dressed much further out on the cutting edge in other movies, and it has rarely served him well think Timothy Dalton s huge shoulders in The Living Daylights. or Roger Moore s leisure suit in Live and Let Die.

It s a safe bet that the Skyfall Bond isn t going to look dated fifteen years from now when the movie is running in TV holiday marathons. That s because costume designer Jany Temime kept him simple, classic, and custom-tailored, which is what really defines the Bond look. Everything from his smooth full-grain leather footwear to his Omega Seamaster Planet Ocean watch is refined, restrained, and the best there is.

For those of us thinking about spending serious money on clothes ourselves, there s a good lesson there find a classic fashion you like and spend on getting the best available version of it, tailored to your body, rather than spending on hot brand names and fashion-forward trends that may or may not last.

5. Know the Rules and How to Break Them

Jany Temime is a skilled costumer. Her Bond wears classic styles, but he makes them his own, and he does it by breaking rules in ways that work for him.

The midnight blue tuxedo with the black shawl collar that Craig dons in Skyfall is going to get the most fashion press it s an eye-catching exception that even a casual dresser can recognize as a new look. But it s not the only thing unusual in Bond s formalwear; he s also pairing satin lapels (smooth) with a grosgran tie (ribbed). That s theoretically a black tie no-no, but because he does it in a tuxedo jacket that s already emphasizing contrast, between the blue jacket and the black lapels, it works for him.

Bond has a long tradition of taking classics and making them his own. We saw it in the very first film, Dr. No, where Sean Connery appears in a tuxedo jacket with rolled-back silk cuffs, and we see it in Bond s classic vodka martini (shaken, not stirred) a hard-edged twist on the traditional gin martini that changed American drinking habits forever.

6. Dress For Your Body Type

Daniel Craig, as we ve mentioned, looks just the tiniest bit overstuffed in Skyfall. It s not just the fit of his suit look closely at his shirt collars, and you ll notice that they re cut with so little slack that you get a bit of a bulge outlining the tie underneath the collar.

That s deliberate costuming. Craig s Bond has been a bit more straightforward, physical, and on occasion brutish than his predecessors, so there s a deliberate reason to make him look meaty. But even doing that, it s rarely more than a wrinkle here and a bulge there. For the most party, his clothes are very sharply tailored to fit his body.

In Craig s bulky case, that means simple, understated patterns and lots of plain solids. His ties are textured but don t feature much in the way of a color pattern, his shoes are smooth-surfaced without unnecessary stitching or seams; even his pocket square is just a single flat edge. He s a stocky, bluff man, and too much fine detail on him starts to look overly busy.

Because both the cut of the tailoring and the visual style of his clothes works with his body type, Craig comes off as very sharp-dressed. If the clothes were the wrong color or pattern, even custom tailoring wouldn t give him quite the same razor-edged appearance, and without the tailoring even the right colors and patterns wouldn t seem as perfect.

The best suit in the world looks terrible on the wrong man. Take a tip from 007 and stick to ones that suit your personal figure.

7. Wear the Clothes Don t Let the Clothes Wear You

There s a bit of a vicarious thrill in the wear and tear Bond s clothes take. Tom Ford s tailors had to make as many as 60 identical copies of some of Craig s suits for Skyfall. just so there would be enough versions for Craig and his stunt doubles to wear in various stages of damage.

Part of Bond s appeal is his total lack of concern for his beautiful, expensive wardrobe. Once the job gets started he s not worrying about his suit anymore. It s what he happens to be wearing while he does what he does best.

That s how we should all wear our suits: as the outfit we happen to be in, nothing more. We define ourselves; we wear our suits. Bond, despite being a fashion icon in a way that few Hollywood characters are, is never a vehicle for a particular look or product. He lends presence to his clothes, not the other way around.

Discover How The Right Image Helps You Make More Money, Attract Women, Command Respect

Learn the secrets of style in a structured environment leveraging my proven step-by-step master programs.

Bloomberg Barclays US Aggregate Bond Index #barclays #us #capital #aggregate #bond #index


Bloomberg Barclays US Aggregate Bond Index

The Bloomberg Barclays US Aggregate Bond Index (ticker: LBUSTRUU), formerly known as the Lehman Aggregate Bond Index and the Barclays US Aggregate Index, was created in 1986 with backdated history going back to 1976. The index has been maintained by Bloomberg L.P. since August 24th 2016. [1] The index is a predominate index benchmark for US bond investors, and is a benchmark index for many US index funds.


The Index is a composite of four major subindexes: US Government Index; US Credit Index; US Mortgage Backed Securities Index (1986); and (beginning in 1992) US Asset Backed Securities Index. The index holds investment quality bonds. The ratings are based on S P, Moody, and Fitch bond ratings. Table 3 in the appendix provides credit quality breakdowns for the index from 2005-2009. The index does not include high yield bonds. municipal bonds. inflation-indexed bonds. or foreign currency bonds. In 2010, the index held more than 8,200 bond issues. [2] The time line for the addition and subtraction of asset classes, as well as changes in the minimum issue size and credit quality standards for the index are included in the time line sidebar.

Milestones in the Evolution of the Bloomberg Barclays U.S. Aggregate Index

  • 1/73 Inception date for Government/Corporate Index.
  • 1/86 Introduction date for the Mortgage-Backed, Yankee, and Aggregate Indices, with returns and statistics calculated back to 12/31/75.
  • 8/88 Liquidity constraint increased from $1 million to $25 million for corporate issues. Yankee Index absorbed into the Government/Corporate Index.
  • 1/89 Published durations changed from Macaulay duration to maturity to duration to worst. Published yields changed from yield to maturity to yield to worst.
  • 1/90 Liquidity constraint increased from $25 million to $100 million for government issues. Yankee sector absorbed into the Corporate Index. Title XI issues dropped from the Government Index. Asset-backed bullet issues added to the finance sector.
  • 1/92 Asset-Backed Securities Index added to Aggregate Index. Balloon issues added to MBS Index. Liquidity constraint increased from $25 million to $50 million for nongovernment issues. Mobile homes dropped from MBS Index.
  • 1/94 Liquidity constraint increased from $50 million to $100 million for all issues.
  • 1/95 GPMs dropped from the MBS Index. Average coupons par-weighted instead of market-weighted.
  • 12/97 Added stranded cost securities to the Asset-Backed Securities Index.
  • 12/98 Manufactured housing securities added to the ABS Index. Quarter-coupons dropped from MBS Index. All World Bank Issues moved to supranational component of Corporate Index.
  • 7/99 Liquidity constraint raised to $150 million from $100 million. ERISA-eligible CMBS added to the Aggregate Index.
  • 7/00 Renamed Corporate Index to Credit. Absorbed all Yankee Corporates into their respective industry classifications. Changed the liquidity constraint on the ABS Index—old constraint: $150 million per tranche; new constraint: deal must be $500 million, tranche must be $25 million. ERISA-eligible B pieces to be included also.
  • 10/03 Liquidity constraint raised to USD200mn from USD150mn. Started using the most conservative rating of Moody’s and S P to determine index eligibility instead of Moody’s only for split-rated securities.
  • 7/04 Liquidity constraint raised to USD250mn/USD25mn CMBS tranche size from USD 200mn.
  • 7/05 Fitch ratings added to Moody’s and S P to determine index eligibility and classification.
  • 4/07 Agency Hybrid Adjustable Rate Mortgage (ARM) securities added to the index, but not eligible for the Global Aggregate.
  • 1/08 U.S. MBS Fixed-Rate Balloons and U.S. ABS Manufactured Housing removed.
  • 11/08 Index rebranded as Barclays Capital U.S. Aggregate Index.
  • 10/09 U.S. ABS Home Equity Loans removed.
  • 01/11 Covered bonds become eligible, A1A tranches are removed from the CMBS portion of the index.
  • 05/12 Issuer eligibility for fixed-rate ABS no longer based on a predefined list of “eligible” issuers.
  • 04/13 Loan participation notes (LPNs) eligible for the index.
  • 04/14 Minimum liquidity for US MBS Index constituents raised from USD250mn to USD1bn.
  • 07/14 US Agency CMBS added to the index.

The current bond asset classes comprise the index: [3]

The relative weighting of asset classes within the index changes over time as new asset classes are added to the index, as issuance of bonds grows and ebbs, and as market security values fluctuate. The following table shows the index sector allocation over the period 1973-2013. A breakdown of mortgage backed securities (GNMA, FHLMC, FNMA) in the index from 1978-2001 is included in the notes.

In June 2009, as a result of the 2008 financial crisis, Barclay’s announced the creation of the US Aggregate Float Adjusted Index that excludes Treasuries, agencies and MBS held in Federal Reserve accounts. [4]

Table. Bloomberg Barclays US Aggregate Bond Index Sector Allocation
Trailing 5 years [5] [6]

The Bloomberg Barclays US Aggregate Bond Index was formulated as a market benchmark and contains thousands of illiquid bonds. Index fund managers therefore use sampling strategies when attempting to construct index funds tracking the index. Bond holdings range from approximately 800 to 1600 bonds for SPDR and Ishares ETFs; and from approximately 930 bonds (TRowePrice) to 5200 bonds (Vanguard) for bond index mutual funds. The Vanguard Bond Market ETF is a share class of the Vanguard bond market index fund.

Index funds tracking Bloomberg Barclays US Aggregate Bond Index

Dreyfus Bond Market Index Fund

Ishares Barclays Aggregate Bond ETF

T Rowe Price US Bond Index Fund

SPDR Barclays Aggregate Bond ETFE

TIAA-CREF Bond Index

Vanguard Total Bond Market ETF(Float-Adjusted

Vanguard Total Bond Market Index Fund](Float-Adjusted)

  1. ↑ Breakdown of mortgage backed securities in the index.

Table. Bloomberg Barclays US Aggregate Bond Index Mortgage Backed Securities 2010 forward

Grepalife Asset Management Corporation #bond #funds


The Grepalife Asset Management Corporation (GAMC) was registered with the Securities and Exchange Commission (SEC) on June 15, 2004 primarily to manage, promote and render management and technical advice and services to mutual fund companies. GAMC maintains its head office at the 6th Floor, Grepalife Building, 221 Sen. Gil J. Puyat Avenue, Makati City.

GAMC is a wholly-owned subsidiary of Sun Life Grepa Financial, Inc. the joint venture company between the Yuchengco Group of Companies (YGC) and Sun Life Financial � Philippines.

YGC is one of the premier conglomerates in the Philippines, and among the largest and most diverse in Southeast Asia, operating in the areas of banking, insurance, education, construction, investment, finance, transportation, information technology, philanthropy, and other corporate services.

Sun Life Financial � Philippines is a member of the Sun Life Financial group of companies, a leading international financial services organization providing a wide range of wealth accumulation and protection products and services to individuals and corporate customers.

With years of experience in financial markets, our fund managers have the knowledge and expertise to help you grow your hard-earned money. Over the years, GAMC has delivered competitive returns and is committed to providing optimum gains based on the client�s risk appetite and investment time frame.


Chief Investments Officer – Sun Life GREPA Financial, Inc.

Mr. Enriquez is accountable for the formulation and implementation of portfolio strategies for the life insurance and variable universal life insurance of Sun Life Grepa Financial, Inc. (SLGFI), as well as the 3 Mutual Funds of the Grepalife Asset Management Corporation (GAMC). He has over 15 years of solid and distinguished portfolio management experience gained from stints in various investment and financial services companies. Mr. Enriquez graduated from the Ateneo de Manila University with a Bachelor of Science Degree in Management.

Give You A Break Bail Bond in Georgetown, TX 78626 #give #you #a #break #bail #bond, #georgetown, #tx, #bail #bonds, #directions, #map, #review


Give You A Break Bail Bond

k k.

over a year ago

My son who has never been in trouble in his 37 year life was thrown into jail after his wife (no ex-wife) lied and said he pushed her. I live out of state and had no clue what had happened except for a message left on my phone saying so-and-so is throwing me into jail, so you won’t reach me I was frantic. I had no one to call and It was Give you a Break Bail Bonds who called me the next day and let me speak with my son on a 3-way call to reassure me things would be ok and they were getting him out. I can never thank them enough for that call. They were there for my son when I couldn’t be and he had no clue how any of this worked. So, if you need a bail bon company then GIVE YOU A BREAK BAIL BOND is the help you need and they are just like the other reviews- THEY DO CARE. Thank you again from a concerned Mom.

over a year ago

I was a chronic trouble maker in the past and got a hold of Joe at GUAB. A couple of times I’ve had to use them and they are some of the nicest and most caring, professional people especially when it comes to their line of work. Joe was stern but flexible on accepting a partial payment and did not require a house or acres of land to put up as most of them do. I always throw business their way when I have the opportunity and if ever I need him again. I will be calling him. He genuinely cared about me getting out and keeping my job and getting back to my family. Which is VERY rare among bondsman.


over a year ago

The Best! My 20 year old daughter slapped her boyfriend during an argument and went to jail for the first time in her life. She was terrified and I was terrified for her. She got a 1,000 dollar bond and would have had to sit in jail waiting for her court date if it had not been for the staff at Give U A Break. They immediately went and talked to her, to make sure she was okay and if she needed anything. They also reassured her that we were working on getting her out of there. I am so THANKFUL! My daughter is home safe! As long as she follows their guidelines (calling once per week ect.) she will be okay. Hopefully, I never need a bail bondsman again, but if I do, I am calling Give U A Break.

Bond Yield to Maturity (YTM) Formula, bond maturity.#Bond #maturity


Bond Yield-to-Maturity

(The capital gain or loss is the difference between par value and the price you actually pay.)

The yield-to-maturity is the best measure of the return rate, since it includes all aspects of your investment. To calculate it, we need to satisfy the same condition as with all composite payouts:

Whatever r is, if you use it to calculate the present values of all payouts and then add up these present values, the sum will equal your initial investment.

You should try to form a mental picture of what this equation is saying. The left side represents Y+1 different compound interest curves, all starting out now, and each one ending at the moment that the payout it corresponds to takes place. Most of these curves will lie pretty low to the axis, because they only grow to a value of c, the coupon payment. The very last curve will be a lot taller, and end up at the par value B. And if you add up the present values of all these curves (that’s the left side of the equation), the sum will exactly equal the purchase price of the bond (that’s the right side).

As with most composite payout problems, equation 1 can’t be solved exactly, in general. The nice part is that all yield-to-maturity problems have basically the same form, so people have been able to create programmable calculators and computer programs (and even tables back in the old days) to help you find r.

Example: Suppose your bond is selling for $950, and has a coupon rate of 7%; it matures in 4 years, and the par value is $1000. What is the YTM?

The coupon payment is $70 (that’s 7% of $1000), so the equation to satisfy is

Of course you aren’t really going to solve this, so you just use the popup calculator instead, and find that r is 8.53%. If you want, you can plug this number back into equation 2, just to make sure it checks out.

One thing to notice is that the YTM is greater than the current yield, which in turn is greater than the coupon rate. (Current yield is $70/$950 = 7.37%). This will always be true for a bond selling at a discount. In fact, you will always have this:

Individual – Savings Bond Calculator #savings #bond #advisor



We’re pleased to hear from our customers regarding their satisfaction with our website. Although your browser settings don’t allow you to view the website survey we’re conducting, please e-mail your comments.

Savings Bond Calculator

Find out what your savings bonds are worth with our online Calculator. The Calculator will price Series EE, Series E, and Series I savings bonds, and Savings Notes. Features include current interest rate, next accrual date, final maturity date, and year-to-date interest earned. Historical and future information also are available.

To find what your bond is worth today:

  1. Click the “Get Started” Link above or the button at the bottom of this page to open the Calculator.
  2. Once open, choose the series and denomination of your bond from the series and denomination drop-down boxes.
  3. Enter the issue date that is printed on the bond. Note: Enter two-digit months (e.g. 01, 12) and four-digit years (e.g. 1985 or 2001). If you’re not sure where to find the issue date or serial number of your bond, see our bond diagram .
  4. Click the “Calculate” button.

To build an inventory of bonds:

  1. Repeat the above process for each of your bonds.
  2. The Calculator will add each new bond to the top of your inventory listing.

To find what your bonds are worth in other months:

If you’d like to see what your bonds were worth in the past or will be worth in the remaining months of the current rate period:

  1. Change the “Value as of” date at the top of the Calculator to the desired date.
  2. Click “Update”.
  3. Your inventory will update to show the values or your bonds as of the date you enter.
  4. The Calculator can show you what your bonds were worth from January 1996 through the current rate period.

Not sure what data the Calculator is giving you?

If you have questions about any of the fields that are displayed, click the “Help” button at the top of the Calculator. You’ll be taken to our help area where you can find short descriptions of what you’re seeing in those fields.

You can save your inventory so you can update your bond values quickly and easily. All you need to do is use your browser’s built-in saving function. Click �View/Print/Save List� and then when the list appears, click �File� and “Save As” and name your inventory. Make sure that you save your file as an “HTML Only” file and that you know where on your computer�s hard drive it will be saved. Then click “Save”. You’ve saved your file! If you’d like more detail, check out our Instructions for Saving Your Inventory Page. NOTE: You must follow these steps when re-saving an inventory you�ve updated.

You can open your existing inventory (if you have one) by navigating to the folder or directory where you saved your list using a file management program such “My Computer” (for Windows users) or the “Finder” (for Mac OS users). Once you locate your file, double-click it. This should load the file into your web browser where you can click the “Return to Savings Bond Calculator” button to update the values and continue working with your inventory.

You must follow the instructions for saving your inventory (above) once you�ve updated the values or added or removed bonds. If you’d like more detail, check out our Instructions for Saving Your Inventory Page .

If you report interest to the IRS every year as the interest accrues

If you choose to report interest to the IRS annually, check out the Calculator’s YTD Interest feature. It reports the amount of interest your bonds have accrued from the start of a year through the date you enter in the “Value as of” section. Here’s how you can use this feature to calculate the amount of interest your bonds accrued in one calendar year:

  1. List the bonds you want to report annually.
  2. Enter December of the tax year in the “Value as of” box. For example, if you want to find the interest your bonds accrued in 1999, enter 12/1999 in the “Value as of” box.
  3. Find the value in the “YTD Interest” box. That’s the amount of interest your bonds accrued that year.

See Also:

Making a bond claim – NSW Fair Trading #payment #bond #claim


Making a bond claim

Information for landlords

Property agents and self-managing landlords must be registered with Rental Bonds Online

From 30 January 2017. property agents and self-managing landlords must be registered with Rental Bonds Online (RBO), Fair Trading’s easy and secure service to manage bonds online. Agents and landlords must also offer the service to new tenants as the first option for lodgement of their bond.

Information on registering as a user is available on the Taking a bond page on the Fair Trading website.

When the tenancy has ended and the tenant owes you money, you can make a claim against the tenant’s bond.

Reasons for claiming

The main reasons a claim can be made against the bond are:

  • unpaid rent
  • the reasonable cost of repairing damage to the premises, beyond fair wear and tear
  • unpaid water usage charges, so long as you had requested payment within 3 months of receiving the bill
  • any ‘break fee’ or other charges payable as a result of the tenant breaking the tenancy agreement early
  • the reasonable cost of cleaning any part of the premises not left reasonably clean, having regard to how clean the premises were at the start of the tenancy
  • the reasonable cost of having the barrel of the locks changed or other security devices replaced, if the tenant has failed to return all keys and security devices they were given.

This is not an exhaustive list. There may be other legitimate reasons for making a claim against the tenant’s bond, such as the cost of disposing of goods left behind by the tenant. The claim must relate to a breach of the tenancy agreement by the tenant.

Fair wear and tear

Your tenant is not responsible for fair wear and tear to the premises. Fair wear and tear means the deterioration that occurs over time with the use of the premises even though the premises receive reasonable care and maintenance. Such deterioration could be caused by exposure, time or just by ordinary use. The tenant is only liable for negligent, irresponsible or intentional actions that cause damage to the premises.

These examples may help to explain the difference.

Fair wear and tear

Claiming a bond using Rental Bonds Online

Tenant claiming a bond using Rental Bonds Online

Claiming a bond using a Claim for Refund of Bond Money form

Providing evidence to the tenant

Sovereign bond yield spreads signal nervousness #high #yield #bond #spreads


Sovereign bond yield spreads signal nervousness

Despite record levels in global stock markets and low levels of implied volatility, there is a lot of nervousness among investors, and nowhere it is more apparent than in sovereign bond yield spreads.

The 10-year French-German bond spread is the largest since August 2012, as the latest polls in France showed that the far-right presidential candidate Marine Le Pen has widened her lead over rivals.

Investors not only sold their French bonds, but they also piled into German bunds. Bond prices move inversely to yields.

On Tuesday, the spread between German and French 10-year bonds hit 77.5 basis points, according to Tradeweb.

The widening in the spread is largely a function of the rally in German bunds, that depress their yields.

Meanwhile, the two-year German bond yield TMBMKDE-02Y, -1.18% fell to a record low of negative 0.8710%, underpinning the flight to safety.

The widening of the spreads has been impacting forex markets, according to analysts. As the bund yields fall and the spreads between Treasury bonds widen, it weakens the euro.

The spread between two-year Treasury notes TMUBMUSD02Y, -0.90% and two-year German bonds is at 192 basis points, according to FactSet. The spread briefly reached more than 200 basis points in late December when Treasury yields spiked to 2.6%, thanks to rapid changes in inflation expectations driven by hopes for fiscal stimulus.

“In December, it was a function of Treasury yields spiking, but now it is due to German yields dropping to the lowest levels ever,” said Simon Derrick, currency strategist at BNY Mellon.

“Outside of the December spike, the spreads are now the widest since 2000. Back then, the euro fell to its weakest levels at less than $0.90 and we all know how it played out,” Derrick said.

The relationship between interest rates and foreign exchange rates is not linear, according to Marc Chandler, global head of currency strategy at Brown Brothers Harriman.

“I view capital markets as a single entity; if you press one corner, you will see impact in other corners,” Chandler said.

“After the initial Trump trade moves, there has been a some form of a reversal in bonds, forex and stocks, but it has not been simultaneous,” said Chandler.

In fact, the S P 500 SPX, -0.11% closed at records on Tuesday at 2,365.38 and is up 5.7% year to date.

“The dollar strength has a lot to do with the weakness in euro at the moment, which is driven by interest differential. Investors are worried about Dutch elections, French elections and Greece,” Chandler said.

“While it is tempting to assign a particular narrative to financial markets, it is difficult to pinpoint a precise move. Forex levels reflect monetary policy, current account, political background and any one of those or a combination could be influencing prices day to day. Our outlook for the year has not changed and we expect to see the dollar strengthen against euro and EM currencies further,” Chandler said.

The Federal Reserve expects to raise rates three times this year, according to so-called dot plot chart. In fact, several Fed officials have recently stated that the first rate hike of 2017 may come as soon as March, if economic data continue to come in as expected.

Higher short-term rates would generally boost the dollar, as investors buy higher-yielding assets in favor of lower-yielding assets, driving the demand for U.S. currency.

But the dollar strength can have its own impact on the real economy via tighter financial conditions. A stronger dollar increases the burden of debt repayment of emerging-market governments and corporations that issued dollar-denominated bonds, squeezing their balance sheets.

The widening spreads between Treasury and German bond yields is still worrying, according to Derrick.

“I can’t help but draw parallels between the situation in 2000 and now. In fact, in 2015, I kept saying it feels like 1998 and last year I kept saying it feels like 1999,” Derrick said.

“These spreads do tend to peak just before recessions,” Derrick said.

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Irvine Bail Bonds – Bail Bonds Service Los Angeles County – Orange County – Bail Bondsman Newport Beach, Huntington Beach, Anaheim, Costa Mesa, Irvine, Pasadena – Los Angeles County Jail Release #irvine #bail #bonds, #irvine #bail #bond, #irvine #bail #bond #agents


Irvine Bail Bonds

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Bond Requirements – Contractors State License Board #california #contractors #license #bond


Bond Requirements

Contractor’s Bond

A Contractor’s Bond must be in place before CSLB can issue an active license, reactivate an inactive license, or renew an active license. (Business and Professions Code Section 7071.6 ).

The bond is filed for the benefit of consumers who may be damaged as a result of defective construction or other license law violations, and for the benefit of employees who have not been paid wages that are due to them.

Effective January 1, 2016, the required amount of a contractor’s bond or cash deposit with CSLB in lieu of a contractor’s bond is $15,000.

The bond for a qualifying individual is $12,500.

Requirements for the Contractor’s Bond:

  • The bond must be written by a surety company licensed through the California Department of Insurance.
  • The bond must be in the amount of $15,000.
  • The business name and license number on the bond must correspond exactly with the business name and license number on the CSLB’s records.
  • The bond must have the signature of the attorney-in-fact for the surety company.
  • The bond must be written on a form approved by the Attorney General’s Office.
  • The bond must be received at the CSLB’s Headquarters Office within 90 days of the effective date of the bond.
Bond of Qualifying Individual

In addition to a Contractor’s Bond, a Bond of Qualifying Individual may be required for the issuance of an active license, reactivation of a license, and for the maintenance of an actively renewed license (Business and Professions Code Section 7071.9 ).

A Bond of Qualifying Individual is required if the license is qualified by a Responsible Managing Employee (RME). A Bond of Qualifying Individual is required if the license is qualified by a Responsible Managing Officer (RMO) who does not own at least 10% of the voting stock of the corporation. If the RMO owns 10% or more of the voting stock of the corporation, they must complete and submit a Bond of Qualifying Individual Exemption Certification .

If a license has more than one RME or RMO qualifying the license, each qualifier must comply with the qualifier bonding requirements.

Requirements for the Bond of Qualifying Individual:

  • The bond must be written by a surety company licensed through the California Department of Insurance.
  • The bond must be in the amount of $12,500.
  • The business name, license number, and qualifier’s name on the bond must correspond exactly with the information on the CSLB’s records.
  • The bond must have the signature of the attorney-in-fact for the surety company.
  • The bond must be written on a form approved by the Attorney General’s Office.
  • The bond must be received at the CSLB’s Headquarters Office within 90 days of the effective date of the bond.
Disciplinary Bond

If a license has been revoked for a violation of the Contractors’ License Law, the company must file a disciplinary bond with the Registrar in order to reinstate or reissue the license (Business and Professions Code Section 7071.8 ) .

Requirements for the Disciplinary Bond:

  • The disciplinary bond must be filed in addition to any other bond(s) required on an active contractor’s license. The disciplinary bond cannot take the place of or be combined with any other bond(s).
  • The Registrar will determine the bond amount, which is based on the seriousness of the violation(s). The amount may not be less than $15,000 nor greater than ten times the amount of the contractors’ bond.
  • The disciplinary bond must remain current and on file with the Registrar for at least two years. In some cases, the Registrar may require a longer filing period.
  • The company’s license must remain active and current while the disciplinary bond is on file.
  • The bond must be written by a surety company licensed through the California Department of Insurance.
  • The business name and license number on the bond must correspond exactly with the business name and license number on the CSLB’s records.
  • The bond must have the signature of the attorney-in-fact for the surety company.
  • The bond must be written on a form approved by the Attorney General’s Office.
  • The bond must be received at the CSLB’s Headquarters Office within 90 days of the effective date of the bond.
Contractors Popular Pages

Cocos Definition from Financial Times Lexicon #bond #definition


Definition of cocos

Contingent convertibles, also known as CoCo bonds, Cocos or contingent convertible notes, are slightly different to regular convertible bonds in that the likelihood of the bonds converting to equity is “contingent” on a specified event, such as the stock price of the company exceeding a particular level for a certain period of time.

They carry a distinct accounting advantage as unlike other kinds of convertible bonds, they do not have to be included in a company’s diluted earnings per share until the bonds are eligible for conversion. [1]

It is also a form of capital that regulators hope could help buttress a bank’s finances in times of stress.

CoCos are different to existing hybrids because they are designed to convert into shares if a pre-set trigger is breached in order to provide a shock boost to capital levels and reassure investors more generally.

Hybrids, including CoCos, contain features of both debt and equity. They are intended to act as a cushion between senior bondholders and shareholders, who will suffer first if capital is lost. The bonds usually allow a bank to either hold on to the capital past the first repayment date, or to skip paying interest coupons on the notes.

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Sigma Pi Phi #pi #bond

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Published quarterly, the Boul Journal is the official organ of the Fraternity. The archive contains issues from 1925 – 2010.

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A video archive of the Fraternityʻs local, regional and national actvities, including interviews with Past Grand Officers.

Investment: Charles Schwab: Investment Products #wells #fargo #advantage #municipal #bond #fund

Investment Products

Brokerage and Insurance Products: Are Not Deposits • Are Not FDIC-Insured • Are Not Insured By Any Federal Government Agency • Are Not Guaranteed By the Bank or Affiliates of the Bank • May Lose Value

1. Charles Schwab Co. Inc. and Charles Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab Co. Inc. member SIPC. Deposit and lending products and services are offered by Charles Schwab Bank, member FDIC and an Equal Housing Lender.

Schwab’s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab’s Mutual Fund OneSource service (and certain other funds with no transaction fees) and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds®, which may charge a separate redemption fee, and funds that accommodate short-term trading. For trade orders placed through a broker, a $25 service charge applies. Funds are also subject to management fees and expenses.

Trades in no-load mutual funds available through Schwab’s Mutual Fund OneSource service (including Schwab Funds), as well as trades in certain other funds, are available without transaction fees when placed through or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Funds are also subject to management fees and expenses.

Charles Schwab Co. Inc. member SIPC, receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

2. Conditions Apply: Trades in ETFs available through Schwab ETF OneSource (including Schwab ETFs ) are available without commissions when placed online in a Schwab account. Service charges apply for trade orders placed through a broker ($25) or by automated phone ($5). An exchange processing fee applies to sell transactions. Certain types of Schwab ETF OneSource transactions are not eligible for the commission waiver, such as short sells and buys to cover (not including Schwab ETFs). Schwab reserves the right to change the ETFs we make available without commissions. All ETFs are subject to management fees and expenses. Please see the “Charles Schwab Pricing Guide” for additional information.

Charles Schwab Co. Inc. receives remuneration from third-party ETF companies participating in Schwab ETF OneSource for record keeping, shareholder services and other administrative services, including program development and maintenance.

Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Charles Schwab Co. Inc. Learn more at

3. Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, or maintenance, or for other reasons.

4. Not all securities are marginable. Main types that are not marginable include mutual funds for the first 30 days of purchase; unlisted, low-priced, or illiquid equities; and low-rated corporate bonds.

Schwab may impose account-level requirements above 30% on concentrated positions.

When considering a margin loan, you should determine how the use of margin fits your own investment philosophy. Because of the risks involved, it is important that you fully understand the rules and requirements involved in trading securities on margin:
– Margin trading increases your level of market risk.
– Your downside is not limited to the collateral value in your margin account.
– Schwab may initiate the sale of any securities in your account, without contacting you, to meet a margin call.
– Schwab may increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice.
– You are not entitled to an extension of time on a margin call.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000 . Please read the prospectus carefully before investing.

Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the options disclosure document titled Characteristics and Risks of Standardized Options .

International investments are subject to additional risks such as currency fluctuation, political instability, economic risk and the potential for illiquid markets. Investing in emerging markets may accentuate these risks.

Review Schwab’s disclosure statement about margin borrowing.

Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

Futures trading carries a high level of risk and is not suitable for all investors. Certain requirements must be met to trade futures. Please read the Risk Disclosure Statement for Futures and Options before considering any futures transactions.

Charles Schwab Co. Inc. (“Schwab”) (Member SIPC ) and optionsXpress, Inc. (“optionsXpress”) (Member SIPC ) are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

Variable annuities are sold by prospectus only. You can request a prospectus by calling 888-311-4887 or by visiting Before purchasing a variable annuity, you should carefully read the prospectus and consider the investment objectives and all risks, charges, and expenses associated with the annuity and its investment options.

The strength of an annuity’s guaranteed income stream is dependent upon the claims-paying ability of the issuing insurance company.

Variable annuities are long-term investment vehicles designed for retirement purposes. Withdrawals prior to age 59½, however, may be subject to a 10% Federal tax penalty in addition to applicable income taxes.

The value of a variable annuity may be more or less than the premiums paid and it is possible to lose money.Charles Schwab Co. Inc. a licensed insurance agency, offers annuity products that are issued by leading insurance companies that are not affiliated with Schwab. Not all annuity contracts are available in every state.

The Best Investments For Young People #best #bond #investments


The Best Investments For Young People

Young investors today who wish to begin a savings plan face a bewildering array of investment options. There are not only thousands of products and services to choose from, there are almost as many different firms and vendors that market them in various capacities. Fortunately, deciding which types of investments are best is not as hard as it may seem if you’re a young person in today’s world. Finding the right answer begins with examining what you want to get out of your money both now and in the future.

Saving for Retirement
If you are young, then your greatest financial asset is time. At this point in your life, your primary investment objective for your long-term savings should be growth. Investors in their 20s will have least 40 years over which to accumulate retirement savings. Historical data clearly shows that common stock and real estate are the only two asset classes that have grown faster than the rate of inflation over time. This means that most or all of your long-term savings should probably be placed in some form of equities, such as individual common stocks and stock mutual funds, and perhaps real estate, either in the form of a personal residence or a mutual fund that invests in real estate holdings. It is imperative that you are able to increase your purchasing power in your retirement savings over the course of your life, because you will need every ounce of it that you can muster after you stop working.

Of course, IRAs and employer-sponsored retirement plans are the best places to start when saving for retirement. Employer-sponsored plans often provide matching contributions. and this can give your retirement savings a tremendous boost; a 50% match on the first 5% of your contributions can result in tens of thousands of extra dollars in your pocket at retirement. Most financial experts tell young people to use a Roth IRA instead of a traditional IRA because of the tax-free withdrawals. Roth features are also available in many qualified plans such as 401(k) plans, and these may also be superior to traditional tax-deferred options that are taxable upon withdrawal at retirement. Ultimately, the combination of tax-free growth coupled with the superior returns posted by equities is virtually impossible to beat over time.

Buying a Home
Traditional financial wisdom has usually dictated that a house is one of the best investments you can buy, but whether or not this is true depends upon several variables. The duration of your residence and the current housing market will factor heavily into this issue, as will the current interest rate environment. rental prices and your personal financial situation. If you plan on living in one place for less than five years, then it is probably cheaper to rent in most cases, because, mathematically speaking, it usually takes at least five to seven years to accumulate enough equity in a home to justify buying one versus renting.

Saving for College
If you are still trying to get through school or have not yet started, then there are several other vehicles for you to consider socking money into:

529 Plans – Every state has this type of college savings plan that allows you to put money away until you begin your higher education. The funds can be allocated between various investment choices and will grow tax-free until they are withdrawn to pay for qualified higher education expenses. The contribution limits for these plans are quite high and they can also provide gift and estate tax savings for wealthy donors looking to reduce their taxable estates .

Coverdell Educational Savings Accounts – This type of college savings account is another option for those who want to take a more self-directed approach to choosing their investments. The annual contribution limit is currently $2,000 per year, but it may still be a viable alternative if you want to purchase a specific investment that is not offered inside a 529 Plan.

U.S. Savings Bonds – These are yet another alternative to consider for conservative investors who don’t want to risk their principal. The interest that they earn is also tax-free as long as it is used for higher education expenses.

Short-Term Investments
The alternatives for your short-term cash, such as an emergency fund. are pretty much the same regardless of your age. Money market funds. savings accounts and short-term CDs can all provide safety and liquidity for your idle cash. The amount that you keep in these investments will depend on your personal financial situation, but most experts recommend keeping at least enough to cover three to six months of living expenses.

The Bottom Line
The most important decision that you can make as a young person is to get into the habit of saving regularly. What you invest in matters less than the fact that you have decided to invest. The right investments for you are going to depend largely upon your personal investment objectives, risk tolerance and time horizon.