WIB Financial Group buys & Sells businesses

WIB Financial Group buys and sells small to medium size businesses. The small business-for-sale market has been riding a wave of improving financial performance and transaction totals. This is good news, given how many owners remained hesitant about listing their business in the years since the Great Recession. However, the most recent uptick in small business listings suggests more owners are feeling confident in the market. Number of For-Sale Listings on the Rise Data from BizBuySell.com’s recent Q2 2015 Insights report found that the number of small businesses listed for-sale grew more than 12 percent from the same time last year, reaching levels not seen since 2009. The increase in listings this quarter correlates to a number of factors, including growing small business financial performance and sale prices, and the volume of Baby Boomers reaching retirement age. An increase in business for-sale listings indicates that more owners are deciding now is a good time to sell. www.wibfinancialgroup.com

Aircraft for Sale - https://www.globalair.com/aircraft_for_sale/ Aviation Directory - https://www.globalair.com/directories/ Airport Resource Center - https://www.globalair.com/airport/

Sunday, July 12, 2015

www.surfermag.com/blogs/random.../killer-whales-laguna-beach/

www.surfermag.com/blogs/random.../killer-whales-laguna-beach/

Killer Whales Play Off Laguna Beach.

Killer Whales off of Laguna Beach | SURFER Magazine www.surfermag.com/blogs/random.../killer-whales-laguna-beach/ Surfer Jan 19, 2015 - Killer Whales Play Off Laguna Beach. Stand up ... I normally read the comments before the article, just to get a feel for it. I was expecting blood, ...

California's most expensive hotel: Montage Laguna Beach

http://www.dailymail.co.uk/travel/travel_news/article-2937614/Highest-priced-hotel-Montage-Laguna-Beach-sells-staggering-360million.html With photo's Inside California's most expensive hotel: Montage Laguna Beach resort sells for $360million... that's $1.4million per ROOM The Southern California seaside resort has just sold for a record-breaking $360million (about £240million) Each of the 250 guestrooms' price tags reached almost $1.4 million, the most expensive in the state Only the Four Seasons Resort Hualalai in Hawaii and the Waldorf Astoria in New York have sold for more in the US By KATIE AMEY FOR MAILONLINE PUBLISHED: 07:45 EST, 3 February 2015 | UPDATED: 10:31 EST, 3 February 2015 67 shares 5 View comments An exceedingly opulent seaside resort in Southern California has sold for a record-breaking $360million (£240million). The price tag for the the Montage Laguna Beach in California was so high that it works out at $1.4million (£930million) per room. In fact, only the Four Seasons Resort Hualalai in Hawaii and the Waldorf Astoria in New York sold for more per room in the US. A luxurious seaside resort in Southern California - the Montage Laguna Beach - has just sold for a shattering $360 million (£240 million) +18 A luxurious seaside resort in Southern California - the Montage Laguna Beach - has just sold for a shattering $360 million (£240 million) The opulent property caters more to the health and wellness crowd, with its spa facilities and pool sitting atop 50-foot bluffs +18 The opulent property caters more to the health and wellness crowd, with its spa facilities and pool sitting atop 50-foot bluffs The impressive sunburst pool overlooks the stunning crystal clear ocean waters and are surrounded by plenty of luxury sunloungers +18 The impressive sunburst pool overlooks the stunning crystal clear ocean waters and are surrounded by plenty of luxury sunloungers Hotel consultant Alan Reay of Atlas Hospitality told the LA Times the hotel 'shattered the price barrier for California hotels by a wide margin' after the luxurious property was snapped up. In California, the closest any property has come was the historic Hotel Coronado in San Diego County, which sold for more than $1million (£660,000) per room. Chicago real estate investment trust Strategic Hotels and Resorts Inc. bought the Montage from Ohana Real Estate Investors of Redwood City, though Montage Hotels & Resorts will stay on as operator. The craftsman-style hotel, which opened in 2003, sits on a 50-foot seaside bluff along the South Coast Highway in Laguna Beach on some of the most sought-after real estate on the West Coast. The real estate in Laguna Beach, California, which sits along the South Coast Highway, is some of the most sought-after in the world +18 The real estate in Laguna Beach, California, which sits along the South Coast Highway, is some of the most sought-after in the world The lobby lounge offers sweeping, panoramic views of the Pacific Ocean from its impressive floor-to-ceiling windows along one full wall +18 The lobby lounge offers sweeping, panoramic views of the Pacific Ocean from its impressive floor-to-ceiling windows along one full wall The craftsman-style hotel opened in 2003 and boasts easy access to the beach, with 250 ocean-front guestrooms available +18 The craftsman-style hotel opened in 2003 and boasts easy access to the beach, with 250 ocean-front guestrooms available Each room goes for about $900 per night for guests, but when it comes to this high-profile purchase, each room actually comes to $1.4 million +18 Each room goes for about $900 per night for guests, but when it comes to this high-profile purchase, each room actually comes to $1.4 million The Ocean Surf King Bungalow Suite (pictured) is comprised of several rooms and a large terrace from which to enjoy evening sunsets +18 The Ocean Surf King Bungalow Suite (pictured) is comprised of several rooms and a large terrace from which to enjoy evening sunsets The Catalina Suite has a view that is not to be missed! Guests can relax on their wicker sun lounger and enjoy unobstructed ocean views +18 The Catalina Suite has a view that is not to be missed! Guests can relax on their wicker sun lounger and enjoy unobstructed ocean views The impressive spa facilities measure over 20,000 square feet in size on the 30-acre Pacific Ocean-facing property +18 The impressive spa facilities measure over 20,000 square feet in size on the 30-acre Pacific Ocean-facing property The spa's wet area boasts several showers, a heated pool and plenty of space for complete and total relaxation +18 The spa's wet area boasts several showers, a heated pool and plenty of space for complete and total relaxation Raymond L. 'Rip' Gellein, chairman for the new owner, calls it 'one of the best resort settings in the continental United States.' RELATED ARTICLES Previous 1 Next Patting a panda at Chengdu Breeding Centre in China - supplied by the writer Panda keeper for a day: Inside the Chinese breeding centres... Don't let go! Britain's fastest snowboarder reaches speeds... Have YOU swiped a robe from your room? Hotels using tracking... SHARE THIS ARTICLE Share The hotel caters more to a spa-and-yoga than a bling-and-caviar crowd, with a sunburst-bottomed pool that overlooks the ocean. And the spa itself measures 20,000 square feet in size. The Montage Resort and Spa has a storied history - it provided the setting for the 1954 film, The Long, Long Trailer +18 The Montage Resort and Spa has a storied history - it provided the setting for the 1954 film, The Long, Long Trailer On site, there are also several exclusive retail outlets, such as the niche fragrance and beauty store: The Art of Living +18 On site, there are also several exclusive retail outlets, such as the niche fragrance and beauty store: The Art of Living There are bungalows and private villas, along the resort's lamp-lit walkways, to choose from - including 60 extravagant suites +18 There are bungalows and private villas, along the resort's lamp-lit walkways, to choose from - including 60 extravagant suites The hotel also boasts several meeting areas, as well as many acclaimed restaurants, such as eateries Studio (pictured) and The Loft +18 The hotel also boasts several meeting areas, as well as many acclaimed restaurants, such as eateries Studio (pictured) and The Loft Large dinner parties can be accommodated via the long tables inside restaurant Studio, while more intimate tables overlook the sea +18 Large dinner parties can be accommodated via the long tables inside restaurant Studio, while more intimate tables overlook the sea For those who enjoy a bit of shopping, artisan goods are on offer at the shops scattered around the resort's property +18 For those who enjoy a bit of shopping, artisan goods are on offer at the shops scattered around the resort's property Though the Aliso Beach County Park is only a few minutes walk away, why would you want to leave such a stunning resort? +18 Though the Aliso Beach County Park is only a few minutes walk away, why would you want to leave such a stunning resort? Rooms go for $900 a night with bungalows and private villas along the lamp-lit walkways running even higher. There are 250 ocean-facing guestrooms on the 30-acre property, including 60 suites. The property was formerly home to a very different entity: The Treasure Island Trailer Park, where Lucille Ball and Desi Arnaz shot the movie The Long, Long Trailer in 1954. Read more: http://www.dailymail.co.uk/travel/travel_news/article-2937614/Highest-priced-hotel-Montage-Laguna-Beach-sells-staggering-360million.html#ixzz3fhVbzyEo Follow us: @MailOnline on Twitter | DailyMail on Facebook

US immigration debate: What is a sanctuary city?

Father Cameron Faller leads a prayer vigil for shooting victim Kathryn Steinle on Pier 14 in San Francisco - 6 July 2015 A priest led a prayer vigil for Kathryn Steinle on Monday at the spot where she was shot dead The killing of an American woman last week by an undocumented Mexican man has reignited the debate over how "sanctuary cities" in the US deal with illegal immigrants. How do they work? Francisco Sanchez, 45, was charged on Monday with shooting 32-year-old Kathryn Steinle on Pier 14 in San Francisco. Mr Sanchez, a repeat drug offender who has been deported to Mexico five times, had been in jail in the city until March when the charges were dropped and he was released. But despite being in the country illegally, he wasn't handed over to immigration officials because San Francisco's "sanctuary" law means city authorities don't co-operate with immigration officials. So what is a sanctuary city? The term applies to cities in the US that have policies in place to limit the assistance given to federal immigration authorities. It's not a legal term so the way it is implemented can vary, but the policies can be set in law or just part of local policing practices. null Federal officials say Mr Sanchez has been deported five times to Mexico, most recently in 2009 San Francisco passed a "City of Refuge" order in 1989 that prohibited the use of city funds to enforce federal immigration laws or to share information with federal immigration officials. In the case of Francisco Sanchez, this meant that when the US Immigration and Customs Enforcement agency (ICE) asked to be notified prior to his release from prison, their request was ignored. In March, ICE Director Sarah Saldana told Congress there were over 200 areas in the US - cities, counties and states - that had refused to honour the agency's requests. Why do they exist? The idea of declaring areas as immigrant sanctuaries got traction in the 1980s after Los Angeles told its police force to stop questioning people solely to determine their immigration status in 1979. LA authorities put the order in place in a bid to encourage immigrant communities to work with police without having to fear being deported. Other cities that followed suit argued that implementing government policy wasn't their job and doing so threatened community relations. So what's the problem? Opponents of sanctuary cities have long accused them of undermining federal law enforcement efforts and encouraging illegal immigration - and Francisco Sanchez has intensified criticism. null Critics of sanctuary cities say they encourage immigrants to illegally cross into the US To make matters worse for San Francisco, Mr Sanchez reportedly told police he had chosen the city precisely because he would not be pursued by immigration officials there. Critics of sanctuary policies have leapt on his case. Outspoken Fox News presenter Bill O'Reilly said Miss Steinle paid for the city's "irresponsible and unconstitutional decision with her life". What does San Francisco say? Despite the criticism, San Francisco Sheriff Ross Mirkarimi stands by the decision to ignore the ICE request and insists the sanctuary status makes the city safer. "We're a world-renowned city with a large immigrant population. From a law enforcement perspective, we want to build trust with that population and our sanctuary city laws have allowed us to do that," he told CNN. He claims ICE's system of requests - called "detainers" - is not legal and says they should have issued an arrest warrant for Mr Sanchez if they thought he was a threat. What's this got to do with Donald Trump? Billionaire businessman Donald Trump is keen to make immigration a key part of his campaign to become the Republican presidential candidate. Speaking at his campaign's launch event, he claimed that Mexico was "sending people that have lots of problems", adding: "They're bringing drugs. They're bringing crime. They're rapists." He was heavily criticised for his comments, but when Miss Steinle was killed he tweeted: "What about the undocumented immigrant with a record who killed the beautiful young women (in front of her father) in San Fran. Get smart!" null Donald Trump has sought to use Miss Steinle's death to support his views on illegal immigration Democratic frontrunner Hillary Clinton called Mr Trump's comment's "disappointing" but appeared to signal a change in her view on sanctuary cities, which she's previously supported. "Here's a case where we've deported, we've deported, we've deported. He ends back up in our country and I think the city made a mistake," she said in an interview with CNN on Monday. "I have absolutely no support for a city that ignores the strong evidence that should be acted on," she added.

Business Funding

Business Funding I would like to introduce myself and WIB Financial Group to see if we can possibly establish a business relationship. Founded in 1972, WIB Financial Group is known to be the One Stop Shop for all of a businesses financial needs. We have been offering financial solutions to various businesses nationwide for over ten years, from small to medium sized businesses in all different types of industries. WIB Financial Group is committed to serving the needs of each and every one of our clients, including clients with little or troubled credit history. We are here to provide the best financial solution to help grow your business to its full potential. At WIB Financial Group, we pride ourselves in proven results by delivering a custom tailored business solution to each of our clients. WIB is a financial services firm that helps clients by providing access to capital (Debt or Equity) needed for start up, business expansion, operational costs, real estate, etc. Please take a look at the services offered below and please feel free to reach out to me if you see that I may be of service. Business Financing Real Estate SBA Business Loan Commercial Loans Term Business Loan Construction - Development Loan Line of Credit Land & Lot Loan ACH - Revenue Based Loan Hard Money Real Estate Loan - Up 80% LTV Merchant Cash Advance Private Money Real Estate Loan - Up to 75% LTV Merchant Services After Repair Value Real Estate Loan - Up to 65% ARV Factoring - Inventory Financing -P/O -ABL Equipment Financing Private Equity Services Foreign Investor Real Estate Loan Up to 75% LTV Cash Out / Refinance Real Estate Loans Up to 70% LTV EB 5 Fund Placement To unsubscribe please click here WIB FINANCIAL GROUPS INQUIRY SUBMISSION SHEET Instructions: We invite you to contact us regarding your business funding needs. Please fill out the form below, including a short (two pages or less) or concept paper or executive summary. Then check appropriate box [s], print this page, fill it out in black ink. and forward to WIB 301 Forest Ave, Laguna Beach, CA 92651 or e-mail it to wibcom@aol.com Your Name ___________________________________________________ Company Name _______________________________________________ Address _____________________________________________________ City_____________ State ____________ ZIP _____________ Country _____________________________________________________ Ph. ____________ Cell ____________ Fax ____________ E-mail _______________________________________________________ Estimate of amount of Funds needed $ ___________________________ Please Check Appropriate Box [ ] Business start up funding [ ] Business Expansion funding [ ] Business operating capital [ ] Micronomic start up funding [ ] Credit line [ ] Arranging Bank business loan [ ] SBA Assistance [ ] Real Estate projects [ ] Mining projects [ ] Oil & Gas [ ] Film projects [ ] selling or buying a business. This inquiry is submitted by [ ] Individual [ ] WIB broker [ ] WIB Associate If WIB broker or WIB Associate submit complete name and address with cell number and e-mail. WIB Financial Group 301 Forest Ave, Laguna Beach, CA 92651 e-mail wibcom@aol.com

BUSINESS INVESTORS

• • ATTENTION - Private investors, high net worth individuals, Angels, and other interested investors • • Would you or your organization like to be invited to participate in a revolutionary new concept as a WIB Financial Group (WIB) consortium member of private equity investors? Working independently with some of the world’s high net worth individuals and most influential capitalists. • • I’m encouraging you to join WIB’s exclusive consortium, today. Members up until now had to be worth millions and yes, even billions in order to be invited, much less accepted. And now for the first time ever, you can join and enjoy the profits that I believe were only available to the wealthy. And today, it won’t cost you a billion, or million, or one hundred thousand, or ten thousand. No, in fact you can join and become a member of WIB’s consortium of investors will cost you nothing. As an investor, Here’s how you’ll benefit immediately when you join. You’ll become privy to specific ground floor opportunities in a very wide range of fields. These are venture capital and early stage investments that are not listed on any regulated stock exchange. It brings potentially high-profit ventures to your attention while the deals are still in the very early stages. And most importantly, while the big money is still on the table. These are the deals as investor, you would normally never see until they were listed for IPOs. And by then the potential would be greatly diminished and you would be competing with the big trillion dollar stock market firms. WIB provides this information to you first formatted as a concept paper or executive summery, and should you have further interest you can then receive the full blown business plan and even meet with the principles and have them give their strategic opportunity through a live presentation. This is absolutely a uniquely formatted investment opportunity. • • You retain full control of your investments. Unlike an ordinary venture capital partnership or mutual fund, you can participate in as many – or as few – of these opportunities as you wish. You never have an obligation to invest. Your money will not be committed in a project unless you’re personally willing to pull the trigger. • • The Internet bubble has popped, the recession is slowly recovering for most of the so called rich…and soon the real down to earth money will be made. And not just from high tech, but also from the so-called old business, which includes all business across the board. It’s possible to turn $10.000 into $50.000 and $50.000 into $500.000 and $500.000 into $50,000,000. To the best of my knowledge the kind of information I’m talking about is not otherwise readily available from any other source at any price. WIB sorts through all the deals for you, and there are lots of them, to spot those with the greatest potential upside. They do the diligent investigation and research. Then you make the decision about where you’ll commit your funds. You’ll have WIB’s full commitment to do whatever possible to protect your investment, because their money, time and effort is right in there along with yours. If selected, you’ll be a member of a prestigious and elite group that is exclusive, by invitation only, and restricted to a limited few. With their investment knowledge and expertise, WIB consortium investors are developing new and exciting businesses and ways to help small and medium sized entrepreneurs obtain funding for worthy ventures. • • I truly believe now is the time to take advantage of this invitation. In fact I think you’ll agree that we live in remarkable times with remarkable opportunities to take advantage of the “creative destruction” and disequilibrium associated with blossoming new technologies. As you know, you can generate far greater wealth from successful early stage private investment than from waiting to buy the same companies in the public markets. • • Members are qualified active individual investors, or angels, with extensive experience in building and financing companies from start-up to IPO and other exit strategies. In addition to being accredited investors according to SEC rules, prospective members must have a track record of building successful companies. They should be experienced in making angel deals with all due diligence, structuring investments, and coaching entrepreneurs and be approved by the WIB Board. • • Members are provided with some of the most promising projects for their evaluation, comments and any capital participation they may be interested in. They get first look and can make offers. Most investment opportunities considered, flow from other members who are active in “deal flow”, or other investors and entrepreneurs. Contact WIB by E-mail at: wibcom@aol.com or mail a short one-page general information about yourself and/or your company for membership. •

WIB FINANCIAL GROUP (WIB) Registered Associate Program

The WIB FINANCIAL GROUP (WIB) Registered Associate Program is a thoroughly professional, highly profitable, golden opportunity for anyone either currently in or desiring to enter the lucrative financial service industry. REGISTERED ASSOCIATE PROGRAM A COMPLETE TURNKEY BUSINESS, EVERYTHING YOU NEED TO MAKE MONEY * For $100 USD investment in WIB’S training manual provides a simple start up turn key financial business Complete with Venture Capital training manual. Titled VENTURE CAPITAL “Raising Business capital fore the 21 st Century. Learn to recognize your opportunities * Complete five days a week Associate Support * One Source For qualified submissions, all types of financing and Simplified applications * Wholesale products and services With WIB, their will never be a better time or a better opportunity to step up to a prestigious, high income, financial career. COMMON QUESTIONS AND ANSWERS What are some of the other financial and business products and services that I will be able to offer clients? WIB financial products and services includes start-up and expansion funding. Growth and protection of your clients assets, privacy, LLC & incorporation services in all 50 states, many offshore corporate jurisdictions, trusts, LLC’S, IPO’S, local USA & global business strategies from now and beyond, estate planning, revenue, and more. Q. Exactly what does a WIB Associate do? An Associate assists people who need funding, by helping them with feasibility studies, business plans, various important funding documents, and many other financial and business products and services. Then they forward the information to WIB when funded they earn a commission on all closings. Q. Why will clients come to me? The money business is a service business. With WIB to guide you, you will quickly learn how to provide clients with the same professional service that has helped us become an industry leader. Q. Can I really compete in this business even though I am just getting started? Absolutely! The rules regarding equity capital acquisition are continually being written. Borrowing money under loan agreements has been taking place for many years, but trading equity for financing is a much more recent idea...an idea whose time has come. Q. How much can I expect to make? Financial Associates are some of the highest paid people in the country. You can make as much as you are willing to work for. Q. Why is WIB’S Registered Associate Program so unique? WIB’S training, support, and profit picture are second to none. When you couple this with the fact that you will be able to obtain funding for your clients for new business start-ups, for existing business expansions, and much more, you have the firm foundation upon which you can build a secure financial future. WIB’S uniqueness is found in the variety of profit centers and the ability to satisfy a multitude of clients in a highly professional manner. Q. How do I get started? Getting started in this exciting new financial service and beginning to make big money is easy. Simply go to www.buybooksontheweb.com the total costs is just the $100 dollars the book will cost you. Everything you need to know about this business is in the manual (Venture Capital) Support for your new business is available to you personally 5 days a week Mondays thru Fridays. The manual provides comprehensive training and reference materials so you can begin developing new clients immediately. Q. Do you have any additional questions? Any questions you may have now, or in the future can be answered by Michael Webster personally or your assigned Sr..WIB Associate, who is dedicated to your success. WIB looks forward to assisting you in your future success. Don’t let this once-in-a-lifetime opportunity for financial freedom pass you by! WIB Associates earn on closing of deals 25% of what WIB receives. WIB SR. Associates earn on closing of deals up to 40% of what WIB receives. Those acting as freelance brokers receive up to 20% of the deal of what WIB receives. The Founders Statement: “I’m unaware of any other business of this type, whereby you can get started in a business of your own for such a small capital outlay of just $100 dollars. The cost of the manual only. Yes its that easy to become an WIB Associate and be independent and in business for yourself”. Michael Webster Chairman of the Board WIB FINANCIAL GROUP Since 1972 Notice: WIB and/or Michael Webster, nor any associates, agents, brokers, or representatives offer any legal or accounting advice. Insist your clients consult with their own legal and tax professionals.

MICRONOMICS FOR THE POOREST OF THE POOR

By Michael Webster Excerpt: From Venture Capital. “How to raise business Capital for the 21st century • The dictionary defines “micro” as “small, abnormally small” and describes “economics” as, the “science that deals with the production, distribution, and consumption of commodities relating to the necessities of life”. Hence the word “MICRONOMICS” coined by this author in relation to this financing program. • • “Micronomics” opens up a whole new world of financing for the very poor. It enables them to participate in the economic system that normally they are locked out of. It allows anyone who wants to become a part of the system to turn the wheels of their own commerce, no matter how small. In fact, the smaller the better. It is an exciting new strategy to combat poverty. • • Micronomics is the practice of extending equity loans to low-income people all over the world to help them obtain working capital to create their own “micro businesses.” • Micronomics is a wonderful and dramatic departure from traditional charity or welfare programs. Business capital is provided, not given. Repayment is required and an equity position in the business is retained. In the world of economics where cash is king, the effect is amazing. This departure from conventional economic development strategies differs in the way it extends the freedom to use the capital, while demanding the responsibility of paying it back. This helps to avoid the draining of dignity and confidence that is often a by-product of charity and welfare. • • Small business or “microenterprise”, the result of micronomics, is becoming the best and only road to economic freedom and provides the only opportunity for most low-income people of the world, including many low-income Americans. • • Banks and other lending financial institutions are simply unwilling or unable to meet these needs. Banks have been merging to compete in a global economy. As banks have grown larger, they have become increasingly dependent on larger loans, so the interest gained from a small loan isn’t enough to be profitable. • • The world economies have serious weaknesses when it comes to the poor. Employers continue to downsize. Low wages mean growing numbers of working poor. The income gap between rich and poor is growing at an alarming rate. • • Microenterprise is an especially important option for women who often face the two-fold task of being a parent and earning a living. Three out of every four “microentrepreneurs”, are women. • • The world is coming to realize how important micronomics is to women. Many choose self-employment as a way to earn income while caring for their children. Three- fourths of all “microloans” in America and around the world go to women. Research indicates that assisting the self-employed is a valuable and cost-effective strategy. In 1994, almost 50 percent of female-headed households in America lived in poverty, more than three times the poverty rate of married couples. During the period of 1994 to 1996, single mothers were eight times as likely as married couples to live in poverty. • • Among the facts, which have emerged about microenterprise, are the results of a recent study conducted by the Aspen Institute. Of several hundred microentrepreneurs in seven programs across the United States, 25 percent climbed out of poverty in three years. Almost half had significant increases in their business and personal assets. In addition, the Institute estimates that the cost of creating jobs through microenterprise ranges from $2,000.00 to $9,000.00, considerably less than most other strategies. • • AEO, the National Association of Organizations, project by the year 2008 that over a million low-income people will achieve self-sufficiency through self-employment. • • Micronomics focuses on personal asset accumulation and pride of ownership rather than on current welfare policy, income and consumption. • • Michael Webster through WIB Financial Group (WIB) is a “microlender” and does not rely on collateral or credit on the first transaction, but invests capital in a person’s business or new business idea. WIB receives repayment of principle along with retaining an equity position in the business. Small groups are formed and they guarantee each other’s loans. The initial “microloan” amounts are small. They are often multiple and progressive. • • One of my goals is a campaign to help provide technical assistance and funding throughout the United States and the world, working to ensure that millions of the world’s poorest families, especially women, Latino’s, African-Americans, Native Americans, and other minorities, and the worlds poorest, receive credit for self-employment through micronomics. • • In the three-year period between 1994 and 1996, three out of ten Americans fell below the poverty line. One in twenty stayed impoverished. Half of all American children live in households with no net financial assets. • • The gap between the richest and poorest ten percent of the U.S. population is greater than that of all other industrialized countries. Yet during the 1980s, the incomes of the richest • • 1% of American families grew 62% while the bottom 60% of families actually experienced a decline. Also, since 1973, wages have fallen 16 percent after adjusting for inflation. Even full-time workers, 47%, live below the poverty line and it is estimated that there are now nearly 10 million working poor in this county. • • African-American household income is only 62 cents for every dollar earned by Caucasian households. Assets owned African-Americans own only 8 cents for every dollar by Caucasians. The poverty rate for African-Americans has been at least three times that of Caucasians since 1979, reaching 33.1% in 1993, and the rate for Hispanics climbed from 21.9% to 30.6% in 1993. • • What needs to be impressed upon politicians, business and civic leaders, is the need to build a more inclusive local and world economy. Educate policy makers about the large contribution micronomics can make to a community’s economic vitality and how it can inspire democracy and allow those in the community to participate in and be a part of capitalism. Church members should be informed of microcredit’s contribution to the fight for economic and social justice. Women and minorities should be shown the special promise that microcredit and microenterprise hold for them. Teach young people all over the world about their own economy and society, and tell them of the many opportunities micronomics can provide for their future. Share with them, fresh ideas of how they can participate and have a shot at success. Teach them how to nurture new sources of financial support for specific microcredit and microenterprise development that can benefit them. Encourage volunteers and community activists to help provide the support systems microentrepreneurs need to prosper. Micronomics greatest contribution maybe beyond just the numbers. It maybe in the way it can help create self-esteem, independence and a chance at a successful business. That is the hope it can provide for them and for their future. Anyone interested or anyone who knows someone who could benefit from this Micronomic program contact WIB Financial Group, 301 Forest Ave, Laguna Beach, CA 92651. Or E-mail wibcom@aol.com If you prefer fill out the below ISS form and forward it to WIB by snail mail or copy it and e-mail it to us.

Laguna Journal serving the following areas & services

LAGUNA BEACH, LAGUNA BEACH NEWS, LAGUNA BEACH BREAKING NEWS, LAGUNA BEACH NATIONAL NEWS, LAGUNA BEACH INTERNATIONAL NEWS: SERVING LAGUNA BEACH, LAGUNA HILLS, LAGUNA NIGUEL, LAGUNA WOODS, AND ALL OF SOUTH ORANGE COUNTY: WITH GLOBAL REACH AND LOCAL KNOWLEDGE LAGUNA BEACH NEWS AND ANNOUNCEMENTS RESTAURANTS LODGING CULTURAL ARTS GALLERIES YELLOW PAGES SEARCH MOVIES CLASSIFIED REAL ESTATE COUPONS AND DEALS CLASSIFIEDS VOLUNTEER OPPORTUNITIES HOMES FOR SALE THINGS TO DO YELLOW PAGES SEARCH RESTAURANTS

Michael Webster is publisher of the Laguna Journal,Indian Gaming Journal, and Small Business Journal on line newspapers and he is an Syndicated Investigative Reporter

Michael Webster is publisher of the www.lagunajournal.com,www.indiangamingjournal.com, and www.smallbusinessjournal.com on line newspapers and he is an Syndicated Investigative Reporter Michael Webster Syndicated Investigative Reports are read worldwide, in 100 or more U.S. outlets and in at least 136 countries and territories. He publishes articles in association with global news agencies and media information services with more than 350 news affiliates in 136 countries. He served as a trustee on trade Union funds. A noted Author, Lecturer, Educator, Emergency Manager, Counter-Terrorist, War on Drugs and War on Terrorist Specialist, Newspaper Publisher. Radio News caster. Labor Law generalist, Teamster Union Business Agent, General Organizer, Union Rank and File Member Grievances Representative, NLRB Union Representative, Union Contract Negotiator, Workers Compensation Appeals Board Hearing Representative. Mr. Webster represented management on that side of the table as the former Director of Federated of Nevada. Mr. Webster publishes on-line newspapersand does investigative reports for print, electronic and on-line News Agencies.

PRIMITIVES AMERICAN INDIAN JEWELRY Laguna Beach Cal

WHEN IN SOUTHERN CALIFORNIA VISIT PRIMITIVES AT THE VILLAGE IN LAGUNA BEACH ON THE GOLD COAST. OVER LOOKING THE PACIFIC OCEAN. OR VISIT OUR NEW STORE IN NEWPORT BEACH. WHEN IN NORTHERN CALIFORNIA VISIT OUR MENDOCINO LOCATIONS. PRIMITIVES FEATURES: TURQUOISE SILVER JEWELRY, KOKOPELLI, ZUNI, HOPI, NAVAJO, DREAM CATCHERS, KACHINA DOLLS, SILVER JEWELRY, BRACELETS, RINGS, NECKLACES, EARRINGS AND ARTIFACTS Find us on Facebook, Primitives, LTD -- Laguna Beach, or click below: http://www.facebook.com/pages/Laguna-Beach-CA/Primitives-LTD-Laguna-Beach/10150106246335032 KOKOPELLI is known as the fertility God - flute player- shape changer- and is approximately 2000 years old, to this day he is found painted or carved on the walls of ancient Indian dwellings. He was believed to bring prosperity to anyone who listened to his songs..... His flute symbolizes happiness and joy. Akkeeia Zuni Prayer Beads: Handmade by Alan Kiva Each bead has 365 cuts in the stones, one cut for each day of the year for special blessings of good health and prosperity. We have 10, 20, 30, 50, Strain Liquid Silver Jewelry Soft & Silky to your touch! Starting at $36.00 Zuni bears Silver w/multi stone pendants $95.00 ea. Click on below links for photo's and prices Zuni Prayer Beads: Handmade by Alan Kiva. KOKOPELLI DIAMONDS PLUS ALL COLOR NATURAL DIAMONDS Pendant/Choker Silver or Gold w/ varies stones call to order 949 376-7632 begin_of_the_skype_highlighting 949 376-7632 end_of_the_skype_highlighting. BRACELETS STERLING SILVER EARRINGS Sterling Silver Rings with Genuine Gemstones. 1. EXCLUSIVE OFFER The MendoLily ring is exclusively available at Primitives in Laguna Beach and through Stevenswood Spa Resort and the Taste of Stevenswood in Mendocino CA. MENDO MUSHROOM Ordering By Credit Card Or Check: Add shipping charges on all products. Order one or more of the items by credit card by calling Peggy at 949 376-7632. Or send check or money order made out to Peggy Webster to: 577 So. Coast Hwy, Laguna Beach, CA 92651. Please include any special requests or instructions including your address. We will make our best efforts to match your expectations 100%. For questions you can reach Peggy at 949 376-7632. All of the above items are available at Primitives in Laguna Beach and at Newport Beach and through Stevenswood Spa Resort and the Taste of Stevenswood in Mendocino CA. Primitives LTD 577 S. COAST HWY, LAGUNA BEACH, CA (949) 376-7632 Primitives at 309 Palm St. Newport Beach CA 92661 (949) 697-7655 and at: Stevenswood Just 2 miles south of Mendocino Village 8211 Hwy One, Little River, California Open from 10:00 Am to 9:00 PM daily. Also in Mendocino Village downtown: www.stevenswood.com (707) 937-2810 or go to: NATIVE TRIBE-PRIMITIVES LTD We now have Color Diamonds and Gold. http://www.facebook.com/pages/Laguna-Beach-CA/Primitives-LTD-Laguna-Beach/10150106246335032

Survival Family Emergency Response & Preparedness Guide

Survival Family Emergency Response & Preparedness Guide For Natural and Man made attacks and disasters to protect you and your family and Survive by General Michael Webster, USCDA With Contributors: Capt. Richard Bailey, PhD, USCDA, Deborah Jansen, Cheri Larson and Valerie Heath, with the collaboration of United States Civil Defense Association . www.uscda.us . This Emergency guide is designed to develop personal, family and community emergency preparedness. Understanding and facing the threat to America is important to every person. By having this vital information close at hand will help you protect yourself, family and community during an incursion, terrorist attack and other man-made and natural disasters. When other emergency services and law enforcement are overwhelmed and may be not available. All of Survival Family Emergency Response & Preparedness Guide is downloadable & free. Everyone is invited to copy, post, print, and distribute this Guide anywhere, as long as they do so without charging anything for it. It must be reproduced in entirety, including this notice, and not be altered or edited. To contact the author with comments and suggestions, Michael Webster e-mail:mvwsr@aol.com . This guide will be continually up-dated so, before distributing it, download it fresh. or print it out. 25 Year Food Storage Freeze dried and survival gear www.thereadystore.com/?utm_medium=affiliate&utm_campaign=pap&aid=4b5e43160feb5 MyTopo Map Pass Unlimited map browsing, printing, and downloading. Topo maps, aerial photos, hybrids, and map tools! http://www.mytopo.com/index.cfm?pid=usborderfire Welcome to the Survival Family Emergency Response & Preparedness Guide United States Civil Defense Association A Guide to Organizing Neighborhoods for Preparedness, Response . Medical Emergencies & First Aid Number one threat to the U.S. is being invaded by Mexican drug gangs For more information on the war on drugs: MICHAEL WEBSTER'S OTHER WRITINGS Also see Threat assessment Other threats to the USA America destroyed through apathy and vulnerable electrical grid? The gravest danger to America is the survival of its electrical grid. If that grid should go down for months or years, America will cease to exist as a nation of any consequence. If the grid failed across America, and we could not get it up again within several months, hundreds of millions of people could die of thirst, starvation, disease, and civil conflict. “To Live or Not to Live” — Protecting Against EMP Attack Dr. William Fortschen Monday, October 14th, 2013 Above is Dr. William Fortschen’s presentation of preparations to survive an electromagnetic pulse. Forstchen, author of the bestseller One Second After, spoke at the American Center for Democracy’s symposium on ”Energy, Space and Cyber Security-Current and Future Threats,” on September 30, 2013. — “My background was in the history of technology. And I want to spend… Terrorist Some Home Grown http://news.bbcimg.co.uk/media/images/76070000/jpg/_76070198_isis.jpg ISIS leader Abu Bakr al-Baghdad Osama Binladen Zawahirbw Al-Zarqawi (Died) Mecca Muslims Praying Global Incident Map Displaying Terrorist Acts, Suspicious Activity ... 911 Ground Zero B. Trust Lobby WTC 2 East Tower WTC 2 Hells Heart WTC 2 North Hell WTC 2 911 Point of Contact Hurricanes Contains what a hurricane needs to form, stages of a hurricane, and safety tips also for the kids PHOTO OF BEFORE THE HURRICANE SAME LOCATION PHOTO OF THE AFTER HURRICANE HURRICANES DEVELOPING AROUND THE WORLD WATER DROPPING WILDFIRE AIRCRAFT BROKE APART DURING DROP LOSING WING ON FIRE AND BODY ON FIRE LOST WING BODY ON FIRE AS IT GOES IN! VETERAN FIRE FIGHTING PILOT AND CO-PILOT DIED Good Friday 1964 Anchorage Alaska Downtown 4th Ave. Find Major Earthquake Locations using MapMuse's Interactive Map ... Find Major Earthquake Locations close to you or across the United States or Canada. MapMuse's Major Earthquake Locations map and directory is the ultimate List of earthquakes - Wikipedia, the free encyclopedia Potential Dangerous Chemical Truck Tanker with Hazardous Materials The Importance Of Water C-02 How much water should you drink? A non active person needs a half ounce of water per pound of body weight per day. That is ten 8 ounce glasses a day if your weight is 160 pounds. For every 25 pounds you exceed your ideal weight, increase it by one 8 ounce glass. An active, athletic person needs 2/3 ounce per pound which is 13-14 8 ounce glasses a day if you're 160 pounds. The more you exercise the more water you need. Spread out your water intake throughout the day. Do not drink more than 4 glasses within any given hour. After a few weeks your bladder calms down & you will urinate less frequently, but in larger amounts. Wildland Fires Deadly Lighting Storms How To Survive Anything Introduction • Facing Down Disaster: How to Survive Anything • Quiz: Are You Ready for Disaster? • Portraits of Survival from Tornado-Torn Kansas Power • 4 Steps to Power Your Home When the Grid Fails • Video: How to Safely Install a Power Generator Preparation • 5 Steps to Get Ready for Disaster (and Not Get Stuck in It) • Four Disaster Facts You Need to Survive Crisis • 22 Steps to Move Fast When Natural Disaster Hits • How to Shut Down Your Home in 5 Minutes Cleanup • 5 Steps to Fix Your Home After a Crisis • 3 Quick Solutions to Mend Your Broken Home Provisions • 7 Steps To Eat, Drink and Be Smart • Emergency Rations Aren't as Gross as You Thought Survival Checklist • 107 Pieces of Survival Gear You Need • 18 Extra Crisis Tips http://www.ki4u.com/guide.htm This guide is for families preparing for imminent terrorist or strategic nuclear attacks with expected severe destruction followed by widespread radioactive fallout downwind. WHAT TO DO IF A NUCLEAR DISASTER IS IMMINENT! Financial Warfare Securing America’s Financial Cyberspace CDC Smallpox | Smallpox Overview Evacuation Plan : Homeland Security National Terror Alert Los Angeles Emergency Operation Center (EOC) INTELLIGENCE ESPIONAGE AND TERRORIST NEWS Sources HOMELAND DEFENSE-UNITED STATES CIVIL DEFENSE ASSOCIATION-LOS ANGELES FIRE DEPT, POPULAR MECHANIC AND THE FEDERAL EMERGENCY MANAGEMENT AGENCY All Contributors. FEMA logo United States Civil Defense Association The old United States Civil Defense logo. Now adapted by the United States Civil Defense Association (USCDA). The triangle emphasized the 3-step Civil Defense philosophy used before the foundation of FEMA and Comprehensive Emergency Management. Bureau of Land Management, Fire and Aviation ManagementNational Weather Service, Fire WeatherU.S. Fish and Wildlife Service, Fire ManagementNational Association of State ForestersOffice of Aircraft ServicesUSDA Forest Service, Fire and AviationBureau of Indian Affairs, Fire Management BOOKS/CD ROMS FREE DOWNLOADS Red Road by Michael Webster Red Road by Michael Webster. White Buffalo Cover Painting By Michael J. Lavery. Cover Design by Mark Lowe REDROAD LemonFast by Michael Webster LEMONFAST LemonFast by Michael Webster & Michael J.Lavery: Cover Painting by Michael J. Lavery. Cover Design by Mark Low Christian Covenant by Michael Webster Christian Covenant by Michael Webster. Cover Design by Mark Lowe THE CHRISTIAN COVENANT Venture Capital BookVenture Capital by Michael Webster SURVIVAL FAMILY EMERGENCY RERSPONSE & PREPAREDNES GUIDE Survival Family Emergency Response & Preparedness Guide