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Kelly Chang Rickert, Los Angeles Divorce and Family Lawyer
Divorce Lawyers - Kelly Chang Rickert, Los Angeles Divorce and Family Lawyer
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Kelly Chang Rickert, Los Angeles Divorce and Family Lawyer Tube. Duration : 1.52 Mins.Cary Petersen Attorney At Law Divorce in Sacramento
Divorce Lawyers - Cary Petersen Attorney At Law Divorce in Sacramento
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Cary Petersen Attorney At Law Divorce in Sacramento Video Clips. Duration : 1.48 Mins.Cohabiting couples - do unmarried couples have rights
Divorce Lawyers - Cohabiting couples - do unmarried couples have rights
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Cohabiting couples - do unmarried couples have rights Tube. Duration : 8.10 Mins.Child Support and Sudden Unemployment
Divorce Lawyers - Child Support and Sudden Unemployment
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Child Support and Sudden Unemployment Video Clips. Duration : 1.45 Mins.Divorce Advice : How to Protect Yourself in a Divorce
Divorce Lawyers - Divorce Advice : How to Protect Yourself in a Divorce
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Divorce Advice : How to Protect Yourself in a Divorce Video Clips. Duration : 1.25 Mins.Facebook Used As Divorce Weapon
Divorce Lawyers - Facebook Used As Divorce Weapon
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Facebook Used As Divorce Weapon Video Clips. Duration : 4.62 Mins.Florida Keys House Boat Rentals - Adorable Houseboat Vacations
Florida - Florida Keys House Boat Rentals - Adorable Houseboat Vacations
Good evening. Yesterday, I learned about Florida - Florida Keys House Boat Rentals - Adorable Houseboat Vacations. Which could be very helpful in my opinion so you. Florida Keys House Boat Rentals - Adorable Houseboat VacationsIf seeing for a truly relaxing vacation spot that offers natural beauty, why not visit the overwhelming Florida Keys. If you wish to observe the thoughprovoking reefs and have fun on the water, than a Florida Keys house boat rentals is the way to go. Island hopping is a favorite activity with vacationers that visit these islands. And the vacation will be one to remember!
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The Florida Keys is settled in the southeast United States and consists of an archipelago of 1700 islands, stretching some 100 miles, and those islands are connected by causeways and bridges. The string of islands are connected to mainland Florida via the U.S. Route 1 overseas highway. The Keys can offer a unique vacation contact to adapt all house members, with friends, or just by yourself. And seen as one of the most gorgeous destination spots in America.
Once it comes to hiring a houseboat on the gorgeous Florida Keys, you can rest assured that you will soon get addicted to the colorful, tropical reef settings and the vast choice of activities, such as diving, fishing, kayaking, and wildlife watching. It's inherent to observe all the nooks and crannies on a houseboat that the travelers lodging on land aren't going to experience, and as the day draws to an end its just a matter of seeing a peaceful anchorage spot.
A lot of population that utilize houseboats for a vacation often have itsybitsy pilotage and boat handling experience. That isn't something to be implicated with as houseboat rentals are open to just about anyone. Before departing the accepted skills will be taught - together with teaching the basics to operation, pilotage and emergencies. Once that's all sunk in you'll be all set to enjoy the free time of exploring the Florida Keys are your own pace.
The houseboats themselves are offered in a range of sizes that range from the ultra luxurious to the very basic. The amenities on offer can highlight hot & cold running water, marine toilets, stoves/ovens, and swim slides. The newest models come adequate with air conditioning, hot tubs, entertainment systems, and many quarters and bathrooms. It shouldn't be a qoute to book a houseboat that's able to meet the most desired expectations.
The Florida Keys house boat rentals offer a overwhelming way to join together with an active outdoor lifestyle and to enjoy a itsybitsy fishing or snorkeling at the same time.
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Divorce Lawyers - Divorce Advice For Men - Dont Let Her Rip You Off!
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Divorce Advice For Men - Dont Let Her Rip You Off! Video Clips. Duration : 0.62 Mins.Great Honeymoon Vacations in the United States
Orlando Divorce - Great Honeymoon Vacations in the United States
Good morning. Now, I found out about Orlando Divorce - Great Honeymoon Vacations in the United States. Which is very helpful in my experience so you. Great Honeymoon Vacations in the United StatesHow to find Heaven on Earth for Honeymooners - The Four Most popular Honeymoon Spots
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Nothing brings a couple closer together than sharing a overwhelming honeymoon after the wedding. If a couple is lucky enough, one or both of their parents may give them the honeymoon as a wedding gift. Most couples, however, have to plan their honeymoons themselves and they should start on this process early. A honeymoon is commonly a one or two week vacation and can be the exquisite starting for a married life together. Most tour agencies have specialized packages just made for the honeymoon couple, but with all of the data on the internet today, the couple can also plan their own honeymoon very easily. There are so many anticipated locales for the exquisite honeymoon, it will be hard to choose one. If the couple has decided that they would rather spend their honeymoon in the United States, here are the most popular ones that newlyweds choose:
1. The gorgeous state of Hawaii has traditionally ranked as the most desired destination for honeymooners. It is gorgeous and romantic with an anticipated array of overwhelming hotels, top notch restaurants and exotic beaches. The beaches in Hawaii are the real drawer, and it offers small, uncrowded beaches where a couple can roam hand in hand and sniff the bougainvillea, or they can sail, snorkel and surf on pristine waters surrounded by spectacular nature, if they are the sporty type. Waikiki and Maui are the most popular islands, but there are many more that a couple can visit; each of them offers the unique culture and attractiveness of Hawaii as well as the anticipated option of hotels and resorts. Try the Kahala Mandarin Oriental Hawaii, the Hyatt Regency or the Halekulani for a honeymoon to remember.
2. Niagara Falls has been a traditional honeymoon option for over 100 years, which places it in the whole two ranking for honeymoons. It is an affordable attraction and the gorgeous wonder of the falls makes it ideal for a romantic backdrop for a romantic vacation.
The "Maid of the Mist" is the paramount boat that takes tourists and honeymooners nearby the falls and there is an intelligent Imax film that outlines the history of the Falls and their popularity as a vacation spot. Because of the popularity of the Falls, a lot of entertainment features have popped up in the area, such as The House of Frankenstein, The Haunted House, the difficulty Maze and the Guinness World of Records Museum. Many honeymooners couple a visit to Niagara Falls with a trip to New York City to see the sites and catch a Broadway show.
3. Even though Florida settled third in the honeymoon type doesn't mean it doesn't have a lot to offer honeymooners. It is almost always warm, with a lot of action both on and off the beaches. The west and east coasts have their separate personalities, and, with Disney World in the middle, there is no end to the entertainment. From Orlando to Key West, a couple could find many spots to stay and enjoy the sun and excitement. Palm Beach, Daytona, Miami and the many gorgeous areas on the west coast offer sightseeing and water sports, or just plain relaxation. Florida offers a wide range of accommodations from luxurious to budget, so there is no surmise for a couple short of cash to skip a honeymoon.
4. Las Vegas has a special appeal, but if a honeymoon couple loves glamour, excitement and gambling, it is the place to go. As the fourth most popular honeymoon spot, it is clearly popular, even though it can be a bit expensive. Las Vegas is always open for any kind of activity. Whenever you arrive in Lv, you can start partying, or go to sleep. Days are nights and nights are days. And don't forget that even your honeymoon can be compressed into a day, and you can get married at one of the many wedding chapels and then spend your honeymoon in Las Vegas!
The other contenders in the "most popular honeymoon spots" are: the wine valley of California, Pennsylvania's lovely Pocono Mountains, the New Orleans region of Louisiana, and the sunny states of the Gulf Coast, such as Alabama and Texas. There are so many gorgeous spots for a honeymoon full of romance and beauty; every couple should have a occasion to spend some time alone in a romantic hideaway (or an intelligent rendezvous, if that is what you prefer). There are so many vacation packages available, or you can just wing it and have a great honeymoon on your on terms, without having the leave the United States.
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Divorce Lawyers - Stacy Phillips, Celebrity Divorce Lawyer Extraordinaire.
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Stacy Phillips, Celebrity Divorce Lawyer Extraordinaire. Video Clips. Duration : 9.92 Mins.How to Find a Wife Overseas
Orlando Divorce - How to Find a Wife Overseas
Hi friends. Yesterday, I discovered Orlando Divorce - How to Find a Wife Overseas. Which could be very helpful for me so you. How to Find a Wife OverseasAre you finding for a loving, devoted, and careful wife? Are you tired of the battle of the sexes here in the United States - that is the liberated American women who are so busy trying to be equal to men that they have forgotten how to be a "real" woman?
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Well, I have the answers for you. Look for a special lady to spend the rest of your life with from overseas.
Asian women, Filipino and Malaysian women in particular, make the best wives in the world. Why? They are born with tradition for respect toward their fathers, mothers, bro-thers, sisters, and husbands. They believe that husbands should be the heads of the family. They do not believe in women's liberation. Although separation is permitted in Malaysia (not in the Philippines), Asian ladies in general do not believe in divorce. They strive hard to make their marriage work. Their motto is "to love one and die for him." They try their best to keep their families together. To the Filipinos, they are known for their "close family ties." Asian ladies are careful and devoted to their husbands.
They seldom go out without him. Most of them are not materialistic; they are easy to please. When it comes to sex, they are not demonstrative, however, they are uninhibited. Everyone believes that sex is healthy. Most of them are honest, very industrious, and god fearing. They love to do things to make their husbands happy.
Asian women want to correspond with American men or any other foreign nationals because they are more considerate, loving, responsible, sincere, and careful than the men in their countries are. Most of them are finding for friendship that may lead to a lasting relationship.
Education wise, most Asian ladies especially Malaysians and Filipinos are college graduates, others are college educated, some are technically and vocationally trained, and some others are high school and elementary graduates. They speak good English. English is taught from kindergarten through college. When it comes to selection of a life partner, none of the follow-ing matters: age difference, size, height, race, color, education, marital status, and corporal defect except those who are suffering from reasoning disorder, inflicted with communicable diseases, thieves and criminals. Malaysian ladies in general are taller than Filipino ladies are. Both have exotic looks.
There numerous Asian-American matchmaking associates in the United States. They are advertised all over the Internet, singles publications, Usa Today, assorted general magazines, etc. Check them out!
Here are the main services that they provide:
1. Some of them have their own publications full of lovely photos and descriptions of Oriental ladies for you to write to.
2. Some offer Far East listings. This consists of them placing a personal ad in a publication in the Far East. Also, some of the associates issue their own in-house listings of men seeking friendship and marriage. These are given out free to the ladies seeking American men.
3. Some of them offer consulting services. I just can't stress to you sufficient about the significance of these services. You're going to need guidance on how to get through the red tape with immigra-tion to marry the lady of your choice. It may seem like a hassle but it's worth it to spend the rest of your life with a woman that will treat you like a king.
4. Some offer books you can buy such as, "Marriage, Visa, and trip Guidebook" or "How to Write to Oriental Ladies."
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Florida - Relocating to Florida? Where to Find a Job in Florida
Good afternoon. Yesterday, I learned all about Florida - Relocating to Florida? Where to Find a Job in Florida. Which may be very helpful to me and also you. Relocating to Florida? Where to Find a Job in FloridaFlorida - A animated vocation in "The Sunshine State"
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Florida, the state people love to go on vacation to because of its beautiful weather year-round and world-renowned tourist destinations. Over a thousand miles of serene beaches and tropical weather draw people from all over the world to Florida. It is no strangeness why over a thousand people a day are relocating to Florida.
Living in Florida
The cost of living in Florida is slightly higher than the Us, ranking 32nd in out of the 50 states agreeing to the Accra Cost of Living Index for Q1 in 2009. However, home prices are currently very affordable, averaging in at a not-so-steep 1,300 in March 2009, agreeing to the National association of Realtors. The taxes for residents are also lower in Florida than in most other states, production it a desirable selection for relocation.
Jacksonville is the biggest metropolis in the state with over 850,000 residents agreeing to the Bureau of Economic and enterprise research at the University of Florida (2007). Miami is the second largest city - known for its beautiful glamorous beaches, the nightlife and great places to dine on fresh seafood, Miami offers a huge variety of enterprise possibilities for entrepreneurs. Other large metropolitan areas in Florida consist of Tampa, St. Petersburg, Orlando, Hialeah, Fort Lauderdale and Tallahassee all of which offer their own unique flavor of fun Florida living.
The broad atmosphere in Florida is tropical. The landscape is very beautiful with miles of sparkling beaches and plenty of sunshine. The summers are pleasantly warm and the winters are mild. Overall, the weather is astonishing which is why so many older retirees decide on relocating to Florida to spend their golden years in "The Sunshine State".
Where to Find a Job in Florida
Find a Job in Florida Using Job hunt Sites
The Internet is a superior tool to help you land your dream job in Florida, but first you need to know where to look. There are hundreds of job hunt sites on the web to help you find job opportunities, learn about inherent employers and meet local professionals in you vocation field. The list below provides some of the best local job hunt sites and national job boards and will make a great place to start your Florida job search.
o Beyond.com: Florida Job Listings.
o Jobing.com: Florida Jobs
o SimplyHired: FloridaJobs.Jobamatic.com
Where to Find Tourism Jobs in Florida
With more than 60 million people visiting Florida each year, it is needless to say that tourism is the number one commerce in the state, which currently generates the fourth highest income in the entire United States. Orlando, the home of the 'Disney World' is a fun filled destination with a variety amusement and water parks and other house activities. The largest vacation resort on the globe, the Walt Disney World resort has provided job opportunities to thousands of people who relocate to Florida.
Thus if you are seeing for a job in tourism and hospitality industry, Florida is an perfect selection for relocating, as it will bring in a host of great vocation options. Most of the top names in hospitality have a nearnessy in Florida to get a share of the huge tourism enterprise that the state generates. Tourism accounted for 110,180 of the nearly 370,000 employees among 2008's top Florida employers, and remains by far the largest sector in the state. The largest of these tourism employers - Walt Disney World - supplies over 60,000 jobs. If you are relocating to Florida and interested in a job in the tourism and hospitality commerce you should visit:
o The Walt Disney Company: Corporate.Disney.Go.com
o Intercontinental Hotel Group: Ihgplc.com
o Marriot: Marriot.com
o Mandarin Oriental: MandarinOriental.com
o Royal Caribbean: RoyalCaribbean.com
o Carnival Cruise Lines: Carnival.com
Where to Find Florida Farming Jobs
Agriculture is the second largest source of income for Florida. The commerce has undergone some struggles in the last few years due to natural events like hurricanes and drought, but is now on the fast track to rescue and agriculturist Floridians are seeing forward to a formidable stretch in the upcoming years. The top age segments are horticulture, forestry and fruit and vegetable farming. Recently the state was granted 0,000 by the government to heighten the competitiveness of the specialty crop commerce agreeing to The Florida Dept. Of Agriculture and buyer Services. So, if you are an agricultural professional you may consider relocating to Florida for a prosperous career.
o Quincy Farms: Quincy-Farms.com
o Florida's Natural: FloridasNatural.com
Where to Find Aerospace Jobs in Fl
The southern tip of the state has become home to Nasa's Kennedy Space Station. Since the time Nasa has established itself here, aerospace is an additional one area that has flourished attracting scientists and other high-tech professionals from around the globe. The warm tropical atmosphere is most suitable for aerospace activities.
o Nasa.gov
Best of luck to you in your Florida job search! It is truly a great place to relocate to! I can attest!
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Florida Divorce Lawyers - divorce advice For Women - divorce Entitlements For Women
Hi friends. Today, I learned all about Florida Divorce Lawyers - divorce advice For Women - divorce Entitlements For Women. Which could be very helpful if you ask me therefore you. divorce advice For Women - divorce Entitlements For WomenAre you going through a disunion or planning to disunion your partner? With disunion rate being close to 50% in some countries there is a strong chance that if it hasn't happened to you it may very well happen to you. Regardless of either you are in a disunion proceeding or about to launch a disunion you need to make sure that you get exactly what you are entitled to. You are going to reserve yourself and perhaps your children for years to come and you don't want to be left without any money.
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When you enter into a disunion you need to know exactly what your financial position is. If you have no idea of what assets, debts and income you jointly share, you will have no idea of what you are able to claim. Its verily important that you take good notes of what you currently own, for example, how much property, investments and furniture you have. Remember you partner will be told to hide all their assets and minimize their income so that they don't have to provide you with such a large amount. Any good disunion guidance for women will of procedure ensure that they assess their current financial situation.
Once you have worked out what your financial position is you can make sure that all your assets and income are protected and accounted for while the disunion proceedings. Without knowing what your current situation is how will you know how much money you will need to survive in the time to come once you've lost a large amount of your income?
Now its time to hire the lawyer, make sure that you get one that understands your situation exactly. You should now what questions to ask them when interviewing them. Remember you don't want most of your disunion payment to used to cover legal fees. Choosing the right lawyer can verily save you thousands of dollars. That is money that could verily be well spent on your children's time to come education, a house deposit or even an very nice holiday to destress and get away from it all once the disunion is over and finalised.
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Divorce Lawyers - Lawyer FAQ: How Should Lottery Winnings Be Divided?
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Lawyer FAQ: How Should Lottery Winnings Be Divided? Tube. Duration : 9.40 Mins.Affordable Divorce Calgary / Edmonton Alberta Canada
Divorce Lawyers - Affordable Divorce Calgary / Edmonton Alberta Canada
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Affordable Divorce Calgary / Edmonton Alberta Canada Tube. Duration : 1.05 Mins.Mergers & Acquisitions Can supervene from Strategic Alliances
Family Lawyers Orlando - Mergers & Acquisitions Can supervene from Strategic Alliances
Good afternoon. Yesterday, I learned about Family Lawyers Orlando - Mergers & Acquisitions Can supervene from Strategic Alliances. Which is very helpful if you ask me and you. Mergers & Acquisitions Can supervene from Strategic AlliancesAlliances frequently effect in mergers and/or acquisitions. Partnering relationships, such as joint ventures or strategic alliances, can sometimes lead to a merger or acquisition situation. After associates work together for a duration of time and get to know one another's strengths, weaknesses, and synergistic possibilities, new relationship opportunities come to be apparent. One could argue that a joint speculation or strategic alliance is naturally the getting to know each other part of a courtship in the middle of associates and that the real marriage does not occur until the relationship has been consummated by a merger or acquisition.
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To make the point, Dan McQueen, president, at Fluid Components International (Fci) built a Partnering relationship with Vortab, a small technology company. Vortab produced static mixers, a technology suitable for flow conditioning that complemented Fci's goods offering. While Vortab also had three other distribution partners in addition to Fci, Fci's volume with Vortab continued to grow to the point that Vortab's technology became an leading part of Fci's total sales volume. After about three years into the relationship, Fci acquired Vortab.
Because of the close relationship in the middle of Vortab and Fci, when the Vortab was put up for sale McQueen knew its true value. Resulting from his knowledge, Fci was able to purchase Vortab at a much more realistic price than Vortab's asking price. The Vortab technology integrated well with Fci's core competency technology and today Fci also distributes Vortab through some of its non-direct competitors.
The following list demonstrates some of the specific values created or developed from the discrete organizational blending methods:
· Operational resource sharing
· Functional skill transfer
· Management skill transfer
· Leverage (economies of scale)
· Capability increases
Mergers
Mergers occur when two or more organizations come together to blend or link their strengths. Also in the deal is a blending of their weaknesses. The hopeful effect is a new more noteworthy society that can good yield goods and services, passage markets, and deliver the highest ability buyer service. Mergers offer promise for synergistic possibilities. This is achieved by the blending of cultures and retaining the core strengths of each. In this scenario, a new and dissimilar society ordinarily emerges. The goal is a sharing of power, but ordinarily the strongest rise to the top leadership.
Exxon - Mobil
The Federal Trade Commission gave Exxon and Mobil the green light On November 30, 1999 for their billion merger. The next day the transaction was completed. The merged society officially became Exxon Mobil Corp. The merger unmistakably brings "the associates back to their roots when they were part of John Rockefeller's proper Oil empire. That firm was the largest oil firm in the world before it was busted up by the government in 1911."
At the 1998 proclamation of their intention to merge, Mobil chairman, Lucio Noto made a comment about the need to merge. He said, "Today's proclamation composition does not mean rhat we could not survive on our own. This is not a composition based on desperation, it's one based on opportunity. But we need to face some facts. The world has changed. The easy things are behind us. The easy oil, the easy cost savings, they're done. Both organizations have pursued internal efficiencies to the extent that they could."
While part of the deal was the selling of a Northern California refinery and practically 2,500 gas station locations, the divestiture represents only a fraction of their combined 8 billion in assets. Lee Raymond, Exxon chairman, now chairman and chief menagerial of the merged firm said, "The merger will allow Exxon Mobil to compete more effectively with recently combined multinational oil associates and the large state-owned oil associates that are rapidly addition surface their home areas."
Exxon Mobil is now like a small oil-rich nation. They have practically 21 billion barrels of oil and gas reserves on hand, enough to satisfy the world's whole vigor needs for more than a year. Yet, there is still the chance to cut costs. The associates expect their merger's economies of scale to cut about .8 billion in costs in the near term. They also plan to cut about 9,000 jobs out of the 123,000 worldwide.
Aol - Time Warner
On January 10, 2000, Steve Case, chairman and chief menagerial of America Online (Aol), sent an e-letter to his 20 million members. He said, "Less than two weeks ago, people all over the world came together in a global celebration of the new century, and the new millennium. As I said in my first community modernize of the 21st Century, all of us at Aol are highly excited by the challenges and prospects of this new era, a time we think of as the Internet Century.
I believe we have only just begun to see clearly how the interactive medium will transform our economy, our society, and our lives. And we are thought about to lead the way at Aol, as we have for 15 years--by bringing more people into the world of interactive services, and production the online feel an even more principal part of our members' lives.
That is why I am so pleased to tell you about an fascinating major amelioration at Aol. Today, America Online and Time Warner agreed to join forces, creating the world's first media and communications firm for the Internet Century. The new company, to be created by the end of this year, will be called Aol Time Warner, and we believe that it will quite unmistakably convert the landscape of media and communications in the new millennium."
The next day newspaper headlines read, "America Online, Time Warner suggest 3-Billion Merger." The Los Angeles Times said, "In an audacious deal bringing together original entertainment and the new world of the Internet, America Online and Time Warner Inc. On Monday announced they will merge in the largest firm transaction in history."
The story later revealed the value comparisons of the companies. While Aol earns less than Time Warner, the stock store thinks Aol's shares are worth more. "America Online is valued by the stock store at nearly twice Time Warner--3 billion, compared with 1 billion as of Friday's [1/7/00] store close--even though it has one-third Time Warner's yearly revenues." The description also stated "Aol earned 2 million on .8 billion in sales in the year ended Sept. 30 [1999]."
Aol chairman, Case wants to move fast. The Times description stated, "Case said the two chairman began discussing a composition this fall [1999], he has tried to impress upon Levin [Gerald Levin, chairman at Time Warner] the need to operate the new firm at Internet speeds." (We all know the rest of the story...nothing is forever.)
The prophets of gloom are always ready to point out the down side to deals. In Upside magazine, Loren Fox reported some of the challenges to the marriage. They are:
· "The holy grail of strategic synergy has been elusive in the media world."
· "In the offline world, it's predominant that Time and Warner Brothers have continued to run fairly independently despite a decade as Time Warner."
· "'From any standpoint, this has not been a success to date,' says Yahoo President and Coo Jeff Mallett."
· "When you buy the company, you get things you don't need."
· "Warner might make these deals easier, but it might also bring new risks--even for Aol, a veteran of 25 acquisitions over the last six years. Employees might flee to pure dot-com companies, ego clashes could stymie plans or financial gains may never cover the large superior paid for Time Warner."
· "You don't need to own all to do what Aol and Time Warner are doing."
Warner-Lambert
Merger mania can make strange bedfellows, let alone promises unfulfilled. Alliances can lead to mergers. Warner-Lambert is an example of all the above. This is corporate soap opera at its best.
· June 16, 1999, Warner-Lambert firm announced that it has signed a letter of intent with Pfizer Inc. To continue and strengthen its highly thriving co-promotion of the cholesterol-lowering agent Lipitor (atorvastatin calcium). The companies, which began co-promoting Lipitor in 1997, will continue their collaboration for a total of ten years. Further, with a goal of addition their goods collaborations, the associates plan to eye potential Lipitor line extensions and goods combinations and other areas of mutual interest.
· November 4, 1999, newspapers across America description on "one of the biggest mergers of any kind, ever." The Wall street Journal said, "Now, American Home is set to merge with Warner-Lambert Co. In a stock deal that is valued at about billion. It stands as the biggest deal in drug-industry history and one of on the biggest mergers of any kind, ever." Also reported, "Warner-Lambert held talks with Pfizer Inc. At the same time it was negotiating with American Home."
· November 4, 1999, The New York Times runs a story titled, "Can a Strong-Willed Chief Share Power in a Merger?" The description lead with, "The planned merger in the middle of American Home Products and Warner-Lambert once again raises the question of either John R. Stafford, American Home's famously strong-willed chairman and chief executive, is capable of sharing and, perhaps more important, letting go of power."
· January 13, 2000, Warner-Lambert firm indicated that, as a effect of changing events, it is exploring strategic alternatives, together with meeting with Pfizer, following Pfizer's recent approach. In that regard, Warner-Lambert said that its Board of Directors has authorized administration to enter into discussions with Pfizer to eye a potential firm combination. The firm stated that, in light of changing circumstances, its Board had done that there is a cheap likelihood that Pfizer's previously announced conditional proposal could lead to a transaction, reasonably capable of being completed, that is good financially for Warner-Lambert shareholders than the proposed merger with American Home Products.
Lodewijk J.R. De Vink, chairman, president and chief menagerial officer of Warner-Lambert, stated, "It has always been the Board's objective to secure the best potential transaction for Warner-Lambert shareholders and we will now pursue discussions with Pfizer to resolve if a composition with them to perform that goal is possible." The firm emphasized that there can be no guarnatee that any deal on a transaction with Pfizer, or that any other transaction, will eventuate.
· January 24, 2000, in response to inquiries, Warner-Lambert firm said that it would continue to eye strategic alternatives, together with discussions with Pfizer. The Company's unwavering goal is to contribute the many value to Warner-Lambert shareholders. Warner-Lambert officials emphasized that there can be no guarnatee that any transaction will be completed and offered no further comment.
Was American Home Products the bride left at the altar? The Wall street Journal didn't think so, in fact they called American Home the Runaway Bride in their November article. Additionally they listed several associates that American Home has them selves left at the altar.
· Early November 1997, American Home Products and SmithKline Beecham begin merger talks.
· January 30, 1999, Talks break off.
· June 1, 1998, American Home and Monsanto announce deal to merge.
· October 13, 1998, American Home and Monsanto cancel plans to merge.
· November 3, 1999, American Home and Warner-Lambert Co. In talks to merge.
Acquisitions
An acquisition is basically the function of one firm fascinating and digesting another. The effect is that the acquiring firm shores up core weaknesses or adds a new ability without giving up control, as might occur in a merger. Added capabilities, rather than synergy is ordinarily the mental behind acquisitions. In this situation, the acquiring company's culture prevails. frequently one firm will secure an additional one for their intellectual property, their employees or to growth store share. There are numerous strategies and reasons why one firm acquires another, as you will soon discover.
Guardian security Services has been acquiring alarm associates within its northeast region of carrying out to supplement its internal growth. Russ Cersosimo, president says, "This is just an additional one way for us to satisfy our appetite for growth. Our desire is to strengthen our opportunities in the other offices. That is an additional one hypothesize why it is fascinating for us to look to secure companies, to get their commercial base and commercial sales force that is in place in those offices. We wanted to make sure that we can absorb the new accounts without putting strain on our paper flow and the systems we have in place."
Who does R&D acquisitions well? Electronics firm recently answered, "Cisco Systems Inc., San Jose, the networking tool company, which boasts many success stories among its 40 acquisitions of the past six years." None of their acquisitions were in mature markets, rather all were leading edge, allowing Cisco to broaden its goods offering. Cisco hedges its acquisition bets through volume. Ammar Hanafi, director of the firm amelioration group at Cisco says it counts on two out of three acquisitions succeeding and the remaining third doing just okay. Acquiring people, intellectual properties and specialized skills is leading to associates like Cisco. They think that even if the acquired technology does not pan out, they have the engineers. Generally, any fast growing firm like Cisco cannot hire people fast enough and the acquired personnel are a boon to the company's progress. Keeping of acquired employees is at the heart of their acquisition strategy. "If we're going to lose the people who are leading to the success of the target company, we're probably not going to have an interest," says Cisco controller Dennis Powell.
"Cisco doesn't do big acquisitions, the cultural issues are too huge," Hanafi says. Cisco buys early stage associates with little or no revenues. While they often have paid highly high prices for the acquisition, they seem to do good than most with their selection. in the middle of 1993 and 1996, Cisco bought cutting edge Lan switching technologies for a total of 6 million in stock. More than half was spent on Grand Junction Networks Inc., which developed fast Ethernet switchers. At the time of purchase, it is estimated that Grand Junction's yearly revenues were million. "Today, the four Lan switching acquisitions catalogue for billion of Cisco's billion in yearly revenues." "We secure associates because we believe they will be successful. If we didn't believe in their success, we would not secure them," says Powell.
Little known West Coast Texas Pacific Group (Tpg) has been acquiring at a feverish pace. Their semiconductor and telecom buying spree includes, Gt Com in 1995, At&T Paradyne (from Lucent Technologies Inc.) in 1996, Zilog Inc. In 1997, Landis & Gyr Communications Sa in 1998, On Semiconductor (from Motorola Inc.), Zhone Technologies Inc., Mvx.Com and developed TelCom Group Inc. In 1999.
Tpg banks heavily on intellectual capital. Many believe that by being part of Tpg, their single biggest advantage is passage to broad pool of talented and well-connected people. Ceos can take advantage of Tpg's contacts in other industries nearby the world. "Tpg has this ability to build a virtual advisory board...that they don't even have to pay for," says Armando Geday, president and Ceo of GlobeSpan Inc.
Lucent Technologies, Inc. Has also been rampaging through the same store as Cisco. Lucent's 1999 (January to August) acquisitions as listed in Cfo magazine include:
· Kenan Systems for billion
· Ascend Communications for billion
· Sybarus for million
· Enable Semiconductor for million
· Mosaix for 5 million
· Zetax Tecnologia, $ N/A
· Batik Equipamentos, $ N/A
· Nexabit Networks for 0 million
· Ccom, Edisin, $ N/A
· SpecTran for million
· International Network Services for .7 billion.
An advantage that Lucent has over its competitors is passage to its 25,000-employee Bell Labs idea factory. As such, they are more likely to purchase technology rather than R&D. Still, Lucent continually reviews the comparative advantages of technology and R&D in relationship to its own projects in reviewing acquisition possibilities. Lucent menagerial vice president and Cfo Donald Peterson says, "In every space in which we have acquired, we have had simultaneous explore projects inside. It makes us knowledgeable, and lets us have a build-versus-buy option."
Lucent wants their units as a hole to do well and if acquisition helps that cause, they acquire. Peterson also says, "We view acquisition as a tool among many that our firm units can use to strengthen their firm plans. We evaluate acquisitions one by one, in the context of the firm strategy of the unit."
Tyco International Ltd. Is a diversified global maker and provider of commercial products and systems with leadership positions in each of its four firm segments: Disposable and Specialty Products, Fire and security Services, Flow Control, and Electrical and Electronic Components. through its corporate strategies of high-value production, decentralized operations, growth through synergistic and strategic acquisitions, and expansion through product/market globalization, Tyco has evolved. From Tyco's beginnings in 1960 as a secretly held explore laboratory, it has transformed into today's multinational commercial corporation that is listed on the New York Stock Exchange. The firm operates in more than 80 countries nearby the world and had fiscal 1999 revenues in excess of billion.
In the mid-1980s, Tyco returned its focus to sharply accelerating growth. During this period, it reorganized its subsidiaries into the current firm segments listed above. The Company's name was changed from Tyco Laboratories, Inc. To Tyco International Ltd. In 1993, to reflect Tyco's global operations more accurately. Furthermore, it became, and remains, Tyco's policy to focus on adding high-quality, cost-competitive, low-tech industrial/commercial products to its goods lines that can be marketed globally.
In addition, the firm adopted synergistic and strategic acquisition guidelines that established three base-line standards for potential acquisitions, including:
1. A firm to be acquired must be in a firm connected to one of Tyco's four firm segments.
2. A firm to be acquired must be able to strengthen the goods line and/or improve goods distribution in at least one of Tyco's firm segments.
3. A firm to be acquired that will introduce a new goods or goods line must be using a manufacturing and/or processing technology already familiar to one of Tyco's firm segments.
Tyco also developed a highly disciplined approach to acquisitions based on three key criteria that the firm continues to use today to gauge potential acquisitions:
1. Post-acquisition results will have an immediate clear impact on earnings;
2. Opportunities to improve operating profits must be substantial;
3. All acquisitions must be non-dilutive to shareholders.
Fasb Accounting Rule Change
The rules of the game are changing. Some of the accounting benefits of acquisition will soon disappear. Spending some extra time with your accounting and legal departments could prove beneficial in the long-term.
George Donnelly, in his description in Cfo magazine writes, "The current state of accounting rules is clearly a factor in the frenetic acquisition activity at Cisco Systems and Lucent Technologies Inc. Like many high-tech companies, the two giants can secure with little drag on their finances, because pooling-of-interest accounting enables them to avoid onerous goodwill charges that otherwise would ravage earnings.
But because of the death sentence the Financial Accounting Standards Board has levied on pooling, associates must use straight-purchase accounting after January 1, 2001. Then buyers will have to amortize goodwill for no more than 20 years."
Consolidations and Rollups
Bill Wade in commercial Distribution said: "The basic installation couldn't be any simpler. Take a highly fragmented industry--like distribution--facing technological change, buyer upheaval or chronic financing difficulties. Add in a few well-healed foreign firms or, worse, a consolidate of previously unknown competitors from surface the business. Since the manufactures leaders are probably family-run businesses with little succession strategies, the next step to safe profit and continue growth is clear: consolidate."
A consolidation or rollup, as it's frequently called, ordinarily occurs when an society or private with deep pockets sets out to buy several small associates in a fragmented manufactures and rein them in under a new or collective pennant. In 1997 the National relationship of Wholesale-Distributors reported that 42 of the 54 industries they studied had been significantly affected by consolidation. frequently a professional administration and buying compel originate economies of scale that allows the consolidator to pluck the low hanging fruit in the industry. They will spend significantly in systems to eliminate the duplication of attempt and inefficiencies that exist within the manufactures being consolidated.
While some call it smoke and mirrors, many consolidators are yielding superior results. In 1997, at 39 years old, financial whiz Jonathan Ledecky pulled off a bold deal. As reported in Cfo magazine, He went to the collective equity markets and raised half a billion dollars for his company, Consolidation Capital Corp., in a brazen preliminary collective offering. Without revenues, assets, operating history or identity (name or industry), he raised the capital in a blind pool on the compel of his credit alone.
U.S. Office Products (Usop) is the effect of 220 acquisitions. Sharp Pencil was one of six secretly owned office-supply associates that Ledecky put together. But he didn't stop, after two years, and 220 acquisitions later, Usop was a member of the Fortune 500, with .8 in revenues. "It was crazy," says Donald Platt, senior vice president and Cfo at Usop. Platt did rely highly on surface resources, together with a team of lawyers and accountants to get the job done (the 220 acquisitions). "We restricted then to well-managed, profitable companies. At worst, we would still be production money," says Platt.
H. Wayne Huizenga is the owner of the Florida Marlins baseball team. He is also the king of consolidators. He pioneered his technique by rolling-up trash-truck businesses to originate Waste administration Inc., the nation's largest waste company. He went on to originate the largest video chain, Blockbuster Video. With AutoNation, Huizenga, now struggling, is attacking the retail automobile industry. In mid-December 1999 AutoNation had 409 retail franchises but announced the closing of 23 of their used-car superstores.
Michael Riley learned about consolidations while serving as personal attorney for Huizenga. In July 1999, Riley's company, Atlas Recreational Holdings Inc., paid million to purchase controlling interest in the only publicly traded Rv dealership chain in the United States, Holiday Rv Superstores Inc., in Orlando, Florida. Riley's avowed intention is to grow the firm from in yearly sales in 1998 to billion by 2003 by acquiring other dealerships.
Riley says, "Consolidations unmistakably will help. We can bring advantages to sales and service. We can make a contrast in warranty. There is a real value added when you put these associates together."
Same Industry, dissimilar Strategies
In mid-1997, roll-ups, United Rentals and NationsRent were formed. They are in a race, but are using dissimilar strategies to perform their results. After two years of ravenously gobbling up companies, United had 482 locations while NationsRent had accumulated only 138 stores. NationsRent has been developing a nationwide identity with shop that look-alike and have the same signage and layout. United Rentals presence is virtually unknown since the shop support their previous appearance.
Motivations for Consolidators
There are several good reasons why consolidators charge a single industry. The following list provides some of the rational that help them in their decision production process. As you look to profit from the trend, keep these elements in mind as you make your choice on whom to acquire.
· Confidence by the players that they can capture principal and highly profitable further store share by implementing the cutting edge management, procurement, distribution and aid practices that will give them a competitive edge over smaller players.
· Gain national customers through increased capabilities in delivering the highest levels of standardized aid and national geographical coverage.
· Larger customers of independent distribution channels are seeking broader geographic coverage and networks of locations that allow for greater aid capabilities, and the smaller customers want a high level of buyer aid and response.
· Customers' desire for more goods sophistication.
· Insurance and financing synergies.
Fragmented Industries Are Ripe for Consolidations and Rollups
Some industries that are ready for consolidations or rollup examples include heavy-duty truck repair, office products, recreational car dealerships, rental shop (equipment, tools and party) and distribution. Consolidation does not just happen. It is triggered by shifts in provider and buyer expectations. Consolidation in a provider base or buyer pool often alters the economic rational for the buildings of an industry. Functional shifts are accompanied by serious margin shifts among channel participants.
Take consideration of the speed in which an manufactures can feel consolidation. If you are a consolidator, pick the low hanging fruit before an additional one beats you to it. If you are fighting consolidation, take consideration of the state of your manufactures and make adjustments (like strategic alliances) to your firm plan if your manufactures is highly fragmented.
· TruckPro, the 0 million sales creation of Haywood and Stephens Investments, was sold in May 1998 to AutoZone, the billion distribution king of do-it-yourself auto parts.
· In June 1998, nine heavy-duty distribution associates with volumes of to million, simultaneously merged and raised million from the collective for their brand new 0 million company, TransCom Usa.
· Brentwood Associates, a speculation capital company, During Spring and Summer1998, created Had Parts System, Inc. A 5 million operation, by acquiring three associates in the Southeast.
· In July 1998, Aurora Capital's Qdsp acquired majority interest in nine heavy-duty associates from FleetPride, a 0 million parts and aid operation.
Stated in Truck Parts & Service, "Here the independent suffers a staggering disadvantage to roll-ups. Consolidators have passage to large amounts of capital. The independent businessperson, however, must primarily finance his growth by income retains from current operations. New high efficiency aid bays, principal and growing training expenses, data processing and communications technology all clamor for increased working capital. The large players' acquisition cost advantage at last will win him all the mega-fleet firm and the vast majority of firm from mid-sized fleets.
Supplementing his parts acquisition cost advantage, the consolidator will be able to lower many overhead costs through centralized administration and volume discounts...Combined savings in parts acquisition cost and overhead allowance should unmistakably exceed 4% of sales."
Some of the indicators that an manufactures (any industry) is poised for consolidation are listed below. If you consideration your manufactures has similar issues, it is just a matter of time. Plan now for what is coming. Where do you want to be when the train arrives?
· A high degree of fragmentation with numerous smaller associates and few, if any, dominating players.
· A large manufactures that is garage and growing.
· Multiple benefits for economies of scale.
· Synergies that can be achieved by consolidating companies.
· Infrequent use of developed administration data systems.
· Limited passage to collective capital markets and somewhat inefficient capital structures among companies.
· Lack of opportunities, historically, for owners to liquidate their businesses if they wish to leave the industry.
Reasons for firm Owners Selling to Consolidators
The reasons for a firm owner to sell his or her firm are as discrete as there are people. ordinarily it is not one hypothesize but several combined reasons that work on a seller's decision. The following list provides you with the general areas that might drive a selling decision:
· First generation owner, without heirs, nearing retirement.
· Lack of capital to make principal technological and capital improvements to compete, within an industry, and with new competitors.
· Flat growth rate in industry.
· Better profitability as part of a larger organization.
· Centralized buying.
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When will he separation her? If the query has to be asked, then the answer is probably, "Never." The query implies that it has already been too long and that the promises are not being kept.
Why would a woman hang on, when it would appear to most outsiders that there is miniature opportunity of him leaving his wife and marrying his mistress?
The answer is never simple. Every man has their own story. However, it is normally some kind of emptiness story. It may be a woman in an empty marriage, waiting for the fulfillment promised with her lover. It may be a single woman unsure of her worth and glad to receive what attentiveness she can. It may even be a very done woman that has "fallen" for a man that "sweeps her off her feet" and then won't come through with the close of the story.
In each case, there is the introductory titillation of playing the hide-and-seek game. While this game grows old for the woman, it continues to supply adrenaline and thrill to the man. This is a reinforcement for continuing with things as they are. He may feel like the guilty school boy, but there is a large part of him that enjoys it.
It's not that he doesn't care for her. He undoubtably does. But he also cares for his wife, his children, his home, his car, his career, and hisgood standing in the community. He cares, but not for her alone. It is sure from his behavior.
You might wonder how a join could allow themselves to get into such an untidy if not immoral position to begin with. It's been my contact that, except for the serial cheaters, most couples slide into these relationships through companionship, not expecting anyone more to come of it. Some get there because their values allow a casual fling and they find themselves much more deeply attached than they ever intended.
So, what do you do, if you're asking about when he will separation her?
You could expose your connection with him, hoping this will force his hand and he will leave her. Alas, he probably won't. You'll probably just force them into marriage counseling together.
Your best option is to find a life for yourself apart from him. Very few population can leave a connection without an additional one to go to. So, force yourself to date others. Effort to find relationships that promise as much or more than the one you are waiting upon.
If you are married, then get to work on that relationship. See a marriage counselor. Work out your issues in the context of your existing connection before trying to move on to another.
Oh, and what if he does separation her? He cheated once (with you), why would you ever trust that he wouldn't cheat again, this time on you?
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Because many plaintiffs have no direct relationship with the primary lender, they are sometimes unable to furnish the primary loan and assignment documents that are required of plaintiffs who request judgments of foreclosure. Because many loans were often bought and sold by discrete loan servicers while the past some years, the loan and assignment documents have, in some instances, been misplaced. This presents an opportunity for homeowners who are trying to stop a foreclosure sale.
The following is an example of how the "standing" defense may be asserted as an affirmative defense in a homeowners reply to foreclosure:
Plaintiff lacks standing to start this action. My primary mortgage was with _______ . This is not the same entity that commenced the instant action. Plaintiff has failed to supply the original, or certified copies of, the note and mortgage and all relevant assignment(s). In Florida, only the owner and owner of the mortgage and the note have standing to start a foreclosure action.
The "legal standing" defense is just one of some affirmative defenses that homeowners should consider when responding to a foreclosure complaint. Other affirmative defenses that a homeowner should consider include; (a) violation of the Truth in Lending Act; (b) Fair Debt collection Practices Act violations; (c) incorrect notice or assistance of process; and (d) lost payments.
A homeowner should thought about delineate the lender's complaint. Under the Florida Rules of Civil Procedure, a plaintiff seeking a judgment of foreclosure is required to attach a copy of the Note to its complaint. A Florida homeowner who is served with a foreclosure complaint without a a copy of the Note should allege this as a defense. This may stop the foreclosure performance until the lender can supply a copy of the note. In foreclosure actions, any delay in the proceedings can be useful because it gives the homeowner an supplementary opportunity to find alternatives to foreclosure, along with a short sale or loan modification.
In virtually all circumstances, it is useful for a homeowner to file an reply when served with a foreclosure summons and complaint. Failing to reply a foreclosure complaint may consequent in the forfeiture of the legal defenses that are described above.
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