High Trust BNI

2012-03-12T14:25:00.001-07:00

Dropbox: Founder Drew Houston Simplifies the Cloud...The CEO of Dropbox explains why simplicity is so hard to achieve. http://ow.ly/9Auyw

My taxes are done!

2012-03-12T10:04:00.002-07:00

If you need your taxes done, whether it's your 2011 return or past years you should see Cindy Szerlip at CS Business Management, http://www.CindySzerlipEA.com. She is an Enrolled Agent which is a tax specialist, which is better than a CPA. She also can train you to use Quicken Quick Books so you can see where your money is going and make doing your taxes next year even easier. She did my taxes, my girl friend's and her brothers and we are all very happy.

Thank you Cindy!

2012-03-10T16:50:00.001-08:00

If Kony2012 works, imagine the potential for similar strategies to end gangs & bullying & hunger here at home. http://ow.ly/9A13T

2012-03-08T17:38:00.001-08:00

There are people who talk and people who do. There are people who demand change and others who create it. Who are you? http://ow.ly/9xSCP

2012-03-04T15:15:00.001-08:00

California Penal Code §1203.4 makes it possible to have your criminal conviction dismissed. Learn more here: http://ow.ly/9oKa8

2012-03-04T11:40:00.001-08:00

??? I guess, sometimes you just have to fight it out... Even the police. This one looked pretty even. http://ow.ly/8Soti

2012-03-04T11:20:00.001-08:00

Drunk Driver pleads guilty to killing EMS provider. @EMS1 http://ow.ly/9oO7C

2012-03-03T11:15:00.001-08:00

You think you are strong? Brave? Hana Hwang can teach us all a thing or two about strength & courage. http://ow.ly/9oNVg

2012-03-02T11:20:00.001-08:00

Imagine a world with no bullies... Imagine a place where children are encouraged to be themselves. That place is real: http://ow.ly/9oNKz

2012-03-01T15:02:00.001-08:00

Why live with a criminal_record when you don't have to? Under CA law your record could (practically) disappear! http://ow.ly/9oJPM

2012-03-01T11:05:00.001-08:00

There is no such thing as "Water Safe" Only knowing how to swim & being "Water Aware." How do you describe YOUR CHILD? http://ow.ly/8SnpG

2012-02-27T21:06:00.010-08:00

Kim Spucces Presents

WEEKLY ECONOMIC UPDATE

WEEKLY QUOTE

“Love is the master key that opens the gates of happiness.”

- Oliver Wendell Holmes

WEEKLY TIP

If you want to improve your credit score, an inactive credit card will not help (and it may even hurt). The key factors in credit score determination are recent activity and recent payment history.

WEEKLY RIDDLE

Name the three English-language three-letter words that begin and end with the letter E.

Last week’s riddle:
What item binds two people yet touches only one?

Last week’s answer:

A wedding ring.

February 27, 2012

OIL APPROACHES $110 PER BARREL

As NYMEX crude futures settled at $109.77 Friday, economists wondered how the U.S. consumer might cope if $5 gas became a reality. Spurred by supply concerns and heightened tensions over Iran’s nuclear program, crude had its best week in three months: futures gained $6.17 (5.96%) across five trading days. Retail gas prices finished last week at $3.65 per gallon, a high unseen since last June.^1,2

MORE HOMES MOVING ON THE MARKET
Existing home sales were up again in January – the National Association of Realtors reported a 4.3% monthly increase. Seasonally adjusted, sales have risen 8% since August. New home sales (a smaller portion of the residential real estate market) declined 0.9% in January, but largely as an effect of the Commerce Department revising December sales figures upward. Without those revisions, the indicator would have been strongly in the plus column. Last month, the new home inventory decreased to the lowest level since January 2006.³

CONSUMER CONFIDENCE UP SLIGHTLY
The final Thomson Reuters/University of Michigan consumer sentiment survey for February came in at 75.3 last week – a 12-month peak, and just a bit north of the 75.0 reading at the end of January. Economists polled by Briefing.com had projected a final February mark of 73.0.^3,4

STOCKS & GOLD POST FURTHER GAINS

The Dow ended the week at 12,982.95, the NASDAQ at 2,963.78 and the S&P 500 at 1,365.74. That was the S&P’s highest close since June 5, 2008. It also represented a 102% rise from its March 2009 bottom. On the week, the S&P gained 0.33%, the DJIA 0.26% and the NASDAQ 0.41%. Gold wrapped up the week at $1,776.40 on the COMEX after advancing 2.93% in five days.^2,5

THIS WEEK: A new NAR pending home sales index comes out Monday, along with earnings from Lowe’s, HSBC and Priceline. Tuesday, we have the February Conference Board consumer confidence poll, the December S&P/Case-Shiller home price index and data on January durable goods orders plus earnings reports from Office Depot and DreamWorks. Wednesday offers the second estimate of Q4 GDP, a new Federal Reserve Beige Book and quarterly results from Staples and Costco. Thursday is just as big as Tuesday, with the January consumer spending figures coming out along with ISM’s newest manufacturing index, the latest initial claims report, Commerce Department data on February auto sales and earnings from Wendy’s, Kroger and Big Lots. Friday, nothing major is scheduled.

% CHANGE	Y-T-D	1-YR CHG	5-YR AVG	10-YR AVG
DJIA	+6.26	+7.58	+0.53	+2.84
NASDAQ	+13.77	+8.25	+3.58	+6.77
S&P 500	+8.60	+4.57	-1.18	+2.31
REAL YIELD	2/24 RATE	1 YR AGO	5 YRS AGO	10 YRS AGO
10 YR TIPS	-0.29%	1.05%	2.30%	3.48%

Sources: money.msn.com, bigcharts.com, treasury.gov, treasurydirect.gov - 2/24/12^2,6,7,8

Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly.

These returns do not include dividends.

Please feel free to forward this article to family, friends or colleagues.
If you would like us to add them to our distribution list, please reply with their address.
We will contact them first and request their permission to add them to our list.

Kim Spucces

Investment Advisor Representative

Branch Office Manager

( 714/673-0383 kim.spucces@TFAconnect.com tfg.transamerica.com

Branch:

765 The City Drive, Suite 100 l Orange, California 92868

Transamerica Financial Advisors, Inc. (TFA) Member FINRA, SIPC and Registered Investment Advisor. Non-Securities products and services are not offered through TFA. Insurance services offered through World Financial Group Insurance Agency, Inc. (WFGIA).License: 0A69585. Branch 714.740.9090.
TFA, WFGIA and World Financial Group, Inc. are affiliated companies.

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. Marketing Library.Net Inc. is not affiliated with any broker or brokerage firm that may be providing this information to you. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to invest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. All economic and performance data is historical and not indicative of future results. Market indices discussed are unmanaged. Investors cannot invest in unmanaged indices. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.

Citations.

1 - blogs.wsj.com/marketbeat/2012/02/24/data-points-energy-metals-549/ [2/24/12]

2 - money.msn.com/market-news/post.aspx?post=f460d01b-ed4b-4bea-a1f8-e493ba886494 [2/24/12]

3 - www.ft.com/intl/cms/s/0/89e852da-5eec-11e1-a087-00144feabdc0.html#axzz1nRYUcgZK1 [2/24/12]

4 - briefing.com/Investor/Calendars/Economic/Releases/mich.htm [2/24/12]

5 - montoyaregistry.com/Financial-Market.aspx?financial-market=common-financial-mistakes-and-how-to-avoid-them&category=29[2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=2%2F24%2F11&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=2%2F24%2F11&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=2%2F24%2F11&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=2%2F23%2F07&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=2%2F23%2F07&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=2%2F23%2F07&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=2%2F26%2F02&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=2%2F26%2F02&x=0&y=0 [2/24/12]

6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=2%2F26%2F02&x=0&y=0 [2/24/12]

7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [2/24/12]

7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [2/24/12]

8 - treasurydirect.gov/instit/annceresult/press/preanre/2002/ofm10902.pdf [1/9/02]

2012-02-27T15:40:00.001-08:00

This week!! @LBLifeSavers is hosting their LEAP YEAR ONLY Networking Event & Expert Panel Discussion! DON'T MISS IT! http://ow.ly/94DAC

2012-02-27T14:15:00.001-08:00

Just got a call. Must be in far off court at 0830 tomorrow. I need a sub for my BNI meeting at 7:00am at The Grand in Long Beach. Anyone???

2012-02-25T09:26:00.001-08:00

It's always a good time to share something nice with some you love... http://ow.ly/9hU1M

2012-02-25T09:04:00.001-08:00

Integrity is who you are when [you think] no one is watching. http://ow.ly/9hTby

2012-02-24T13:51:00.001-08:00

New Case Results! Felony possession stolen property: NO JAIL! DUI w/ Accident: NO DUI! Domestic Battery: CASE DISMISSED! http://ow.ly/9hkyw

2012-02-23T10:17:00.001-08:00

HELP! I need a bona fide expert in LA area who can calc vehicle speed from video. Please have them contact me ASAP at 888-293-0396.Thanks.

What to do with tenant’s abandoned personal property – Landlord Tenant Tuesday

2012-02-21T19:13:00.000-08:00

There are legally outlined steps that every landlord must take to deal with property left behind by tenants who have moved out. Any landlord should follow these steps in order to protect themselves from claims by the tenant who has moved out – claims that could allege the landlord destroyed or even stole the tenant’s property.

Many landlords are familiar with performing clean up and repairing damage to a unit after a tenant vacates voluntarily, or with aid of the sheriff or marshal. Often times, landlords must also deal with disposing of a pile of random personal items left behind. Sometimes the things left behind can be recognized as ordinary trash, so there is usually no problem with tossing it. However, be careful what you characterize as trash because something that looks like trash to you could be an expensive “vintage” item.

In some instances, the landlord may have a judgment against a tenant for unpaid rent or damages to the premises, and this tenant left behind valuable property that she never claims. In that case, the landlord can safely have the property sold and the money applied to pay the judgment, but only if the landlord follows the legal procedures outlined below.

First of all, a landlord cannot touch a tenant’s property until the landlord has legally gained possession of the premises. Gaining possession legally can mean when a tenant voluntarily leaves, whether or not she gives the landlord the keys, or when the tenant is physically evicted by the sheriff. If a tenant leaves personal property behind, and doesn’t demand his property then a landlord can face serious liability for disposing of the junk, unless the landlord uses a Notice of Right to Reclaim Abandoned Property. This is called for in Civil Code sections 1980 through 1991.

Action One: Inventory

A landlord must take an inventory of the abandoned property and write down a list of everything that is found. If there are containers left behind, just list the unopened container, do not open the container or locked trunk. A landlord may be able to get away with opening a container to check on the value of the property since the method of disposing of the property depends on the total value of that property.

Action Two: Decide the Value

A landlord must decide whether the value of the property is more than $300. Typically, you would judge the value by how much you think the item would go for at a flea market or garage sale.

Action Three: Notify the Tenant(s)

A landlord must send the former tenant(s) the Notice of Right to Reclaim Abandoned Property. There is no deadline for this like there is for an accounting of a security deposit, but the landlord cannot legally dispose of the property until this process begins with the notice. The Notice of Right to Reclaim Abandoned Property should list:

- The name of the tenant and any other person who could have an interest in the property

- The address of the premises

- A description of the property (“in a manner reasonably adequate to permit the owner of the property to identify it” per Civil Code section 1983(b)).

- A place where the property may be claimed.

- The value of the property; whether the property, in your opinion, is worth more or less than $300

- Your signature and date the Notice was mailed.

The Notice should be mailed to the last known address of the tenant. The postal service will forward the notice if the tenant left a forwarding address.

The landlord must surrender the property if the tenant contacts the landlord within 18 days after the Notice was mailed. Even if a Notice wasn’t mailed, the landlord must surrender the property within 18 days after the tenant has left where the tenant demands her property. Before returning the property, a landlord has the right to charge moving and storage costs, and any out-of-pocket costs the landlord incurs for renting storage space. If a landlord has a court judgment, in order to properly keep the property to have it sold and applied against such a judgment, the landlord must have the sheriff seize the property and auction it off.

If the former tenant or other owner of the property left behind doesn’t contact you within 18 days of mailing the Notice, you may keep, sell, give away, use or do anything else you wish with the property, IF it is all worth less than $300. If the property is worth more than $300, then you must arrange for the property to be sold at a public auction and then publish a notice in the newspaper announcing the auction. The ad must be published at least 5 days before the auction. You must also hire a licensed and bonded public auctioneer.

The ad must be in a newspaper of general circulation that has paid subscribers in the county. The ad must also describe the property in the same way you described it in the Notice of Right to Reclaim Abandoned Property. Proceeds are first used to pay reasonable costs of storage, advertising and sale. Anything left over goes to the county. To use the balance to satisfy a judgment against the tenant, a landlord must give the judgment and a Writ of Execution to the sheriff to levy the funds in the county’s control.

Following these procedures will protect a landlord from any liability in the event the tenant or other owner of the property left behind shows up later and sues for unlawful conversion of her property.

2012-02-20T15:40:00.001-08:00

INVITATION REMINDER: Join @LBLifeSavers for the LEAP YEAR ONLY Networking Event & Expert Panel Discussion! http://ow.ly/94DAC

Dan Fowler SPEAKS with Mr. Charge Higher Prices, S...

2012-02-18T17:35:00.000-08:00

DON'T MISS

"How to Charge HIGHER PRICES

& Get Your Customers to
THANK YOU For It!"™

-- YOUR APPROACH TO SELLING WILL NEVER BE THE SAME --

Learn 13 unstoppable, recession-proof strategies from"Mr. Charge HigherPrices" himself, Scott Sorrell

Learn profit-boosting, blog-maximizing techniques from
Dan Fowler, Social Media Strategist "Dan Fowler SPEAKS"

Learn eye-opening, wealth bulding methods from
Stacey O'Byrne "Pivot Point Advantage"

Thursday, March 15, 2012

A FULL DAY of
HIGH-POWER, HIGH-PROFIT TRAINING!

Guaranteed to Boost Your Bottom Line!
Hyatt Regency Irvine, 8:30-4:30

click here to register
USE PROMO CODE: PROFESSIONAL
(and it will give you an instant $100 VIP upgrade from general seating to the VIP GOLD Package, which includes a gourmet VIP Mastermind Roundtable lunch, special VIP seating, valet parking, etc. at no extra charge! It's a sweet deal.)

HAVE YOU HEARD THIS....

“Your price is too high."

"Your competitor is cheaper.”

"If you can't give us a discount, we'll have to look elsewhere."

In challenging economic times, every customer pretends PRICE is how they make decisions. It's the default objection, and IT'S THE BIGGEST LIE OUT THERE!

If prospects and customers are grinding you about price-price-price, you're not alone. But what separates those who still get the cash from those who get hammered are a few secrets.

Yes, there are SECRETS TO COMMANDING HIGHER PRICES THAN YOUR COMPETITION, even in tough economic times. There are SECRETS TO GETTING CUSTOMERS TO PART WITH THEIR CASH, even when they think your price is too high. There are even SECRETS TO GETTING THEM TO STILL SAY YES WHEN YOU RAISE YOUR PRICES!

Scott Sorrell "Mr. Charge Higher Prices" teaches these secrets to the Fortune 500. He has worked with sales teams from New York Life, Cisco Systems, Rawlings, BMW, Wells Fargo and many, many others. The reason you pay top dollar for many goods and services is that hundreds of companies practice Scott's methods. Are you ready to join them? click here to register

On Thursday, March 15, Scott will reveal publicly 13 OF HIS MOST POWERFUL SECRETS for getting to the top of your customer's price range! So if you're sick and tired of getting beaten up on price, sign up now. If you're sick and tired of getting lowballed, sign up now.

Scott's Guarantee: "If you don't think you've gotten at least TEN TIMES your cash value from our day together, I'll REFUND YOUR MONEY on the spot." You can't lose.

- Do you want irresistible confidence?
- Do you want to turbocharge your skills?
- Do you want to charge FULL PRICE -- always?
- Do you want to RAISE YOUR PRICES -- now?

click here to register now for this incredible seminar!
USE PROMO CODE: PROFESSIONAL

LEARN THE SECRETS, LEARN THE SKILLS ON THURSDAY, MARCH 15!

After experiencing a full day with Scott Sorrell "Mr. Charge Higher Prices," Dan Fowler of Dan Fowler SPEAKS and Stacey O'Byrne of Pivot Point Advantage, you can not only turn your business into a profit machine during these times of economic uncertainty, but emerge POSITIONED FOR UNPARALLELED SUCCESS when the market turns around. Because on March 15, you will walk out with both the confidence and the skills to charge FULL price -- even to RAISE your prices!

click here to register now for this incredible seminar!
USE PROMO CODE: PROFESSIONAL

Help for Air Conditioning Repair Companies

2012-02-17T15:29:00.000-08:00

At High Trust BNI we would like to add an AC Service and Repair company to

our group of service professionals to go with our electrician, plumber, solar power provider,

real estate agent and energy efficient mortgage broker.

Come visit High Trust BNI to see how we can help AC Service companies.

Tuesday Morning at 7:00 AM at The Grand Event Center

4101 E. Willow Street, Long Beach CA

Exit the 405 the at Lakewood Blvd exit.

2012-02-16T17:57:00.001-08:00

Would You Rather: Get 1 cup of coffee in the morning or give many smiles right now? You can do both. Please help Layla. http://ow.ly/97BuU

2012-02-16T14:40:00.001-08:00

People of the world... Let me intorduce you to the People of @Walmart! http://ow.ly/8T3vC

New COMERICA bank account

2012-02-15T17:41:00.001-08:00

I just opened a new COMERICA bank account thanks to Nadika Abeyrama of High Trust BNI.

She got me setup with a FREE business checking to use for my business.

What's cool for me is she is in Long Beach but I have a branch right down the street from me in Huntington Beach.

I'm looking forward to a long banking relationship.

If you would like to open an account you can contact Nadika at

Comerica Bank
301 E. Ocean Blvd.
Long Beach, CA 90802
(562)590-2588 Office
(562)5908540 Fax
(562)619-4006 Cell