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	<title>CharlesYarbrough.com</title>
	
	<link>http://www.charlesyarbrough.com</link>
	<description>President DWHS Inc.</description>
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		<title>What is an IPO??</title>
		<link>http://www.charlesyarbrough.com/2012/02/what-is-an-ipo/</link>
		<comments>http://www.charlesyarbrough.com/2012/02/what-is-an-ipo/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 03:45:16 +0000</pubDate>
		<dc:creator>chaze</dc:creator>
				<category><![CDATA[Biz]]></category>
		<category><![CDATA[ipo]]></category>
		<category><![CDATA[what is an IPO]]></category>

		<guid isPermaLink="false">http://www.charlesyarbrough.com/?p=2501</guid>
		<description><![CDATA[An initial public offering (IPO) or stock market launch, is the first sale of stock by a company to the public. It can be used by either small or large companies to raise expansion capital and become publicly traded enterprises. Many companies that undertake an IPO also request the assistance of an investment banking firm [...]]]></description>
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<p><iframe src="http://www.youtube.com/embed/xjkdp4EhW6c" frameborder="0" width="560" height="315"></iframe></p>
<p>An initial public offering (IPO) or stock market launch, is the first sale of stock by a company to the public. It can be used by either small or large companies to raise expansion capital and become publicly traded enterprises. Many companies that undertake an IPO also request the assistance of an investment banking firm acting in the capacity of an underwriter to help them correctly assess the value of their shares, that is, the share price (IPO Initial Public Offerings, 2011).</p>

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		<title>More Costa Rica</title>
		<link>http://www.charlesyarbrough.com/2012/01/more-costa-rica/</link>
		<comments>http://www.charlesyarbrough.com/2012/01/more-costa-rica/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 04:17:20 +0000</pubDate>
		<dc:creator>chaze</dc:creator>
				<category><![CDATA[Video]]></category>
		<category><![CDATA[costa rica]]></category>

		<guid isPermaLink="false">http://www.charlesyarbrough.com/?p=2484</guid>
		<description><![CDATA[Some more video of Costa Rica when Mike was visiting.]]></description>
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<p>Some more video of Costa Rica when Mike was visiting.</p>

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		<title>Over 40,000 new laws in 2011</title>
		<link>http://www.charlesyarbrough.com/2012/01/40k-new-laws/</link>
		<comments>http://www.charlesyarbrough.com/2012/01/40k-new-laws/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 00:48:00 +0000</pubDate>
		<dc:creator>chaze</dc:creator>
				<category><![CDATA[Culture]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Ramblings]]></category>
		<category><![CDATA[federal]]></category>
		<category><![CDATA[laws]]></category>
		<category><![CDATA[new laws]]></category>
		<category><![CDATA[state]]></category>

		<guid isPermaLink="false">http://www.charlesyarbrough.com/?p=2480</guid>
		<description><![CDATA[As time passes so does the our great nations need to neuter it&#8217;s people more and more. With the already 23,000 pages of federal law and on average the 2 million laws each state has we know can up the total number to 40k more. I think this puts the total amount of US laws [...]]]></description>
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<p><a href="http://www.charlesyarbrough.com/wp-content/uploads/2012/01/constitution1.jpg"><img class="alignnone size-medium wp-image-2481" title="constitution1" src="http://www.charlesyarbrough.com/wp-content/uploads/2012/01/constitution1-300x199.jpg" alt="" width="300" height="199" /></a></p>
<p>As time passes so does the our great nations need to neuter it&#8217;s people more and more. With the already 23,000 pages of federal law and on average the 2 million laws each state has we know can up the total number to 40k more. I think this puts the total amount of US laws around 5 bizilion gazilion in the US well actually around 20 million laws. How much money goes into keeping track of these and deciding what stays and comes, well that&#8217;s millions more.</p>
<p>It&#8217;s not until we can simplify what is right and wrong that people will actually start taking our judicial system seriously.</p>
<p>I propose we keep 100 laws on file and in force these with stricter force. I will have to do another post to actually try and compile such a list. I know it&#8217;s not simple, I just know too many laws mean too many mistakes and too much money to try and keep track of.</p>
<p><strong>The <a href="http://www.constitution.org/constit_.htm">constitution</a> is a great example of this.</strong></p>
<p>New laws going into effect Sunday cover some of the nation&#8217;s most contentious issues, from immigration to abortion, while others deal with tanning beds, tuition and where you can sell a pet.</p>
<p>In all, nearly 40,000 laws were enacted in 2011, according to the National Conference of State Legislatures. Some take effect New Year&#8217;s Day.</p>
<p>Among them is a controversial California provision requiring that schools add &#8220;lesbian, gay, bisexual, and transgender Americans&#8221; to the list of those whose contributions &#8220;to the development of California and the United States&#8221; must be taught in schools.</p>
<p>Another California law adds &#8220;gender identity and gender expression&#8221; to the list of characteristics that require equal rights.</p>
<p>New laws in Delaware and Hawaii make same-sex couples eligible for civil unions and grant them the same rights and benefits as married couples under the law, the legislature group said.</p>
<p>NCSL: New state laws for the new year</p>
<p>In New Hampshire, starting January 1, minors will have to inform a parent before getting an abortion or seek a court order to avoid parental notification.</p>
<p>Gov. John Lynch had vetoed the bill, saying there must be an exception for rape, incest and abuse. The legislature overrode his veto.</p>
<p>New laws in Louisiana, Tennessee, South Carolina and Georgia require businesses to enroll in the federal E-Verify program to ensure that employees are eligible to work in the United States, the National Conference of State Legislatures says.</p>
<p>California, meanwhile, is prohibiting any state or local government office from requiring that employers use E-Verify, unless it is required by federal law as a condition of receiving federal funds.</p>
<p>E-Verify is a controversial program designed to check a prospective employee&#8217;s citizenship or immigration status. Supporters say it helps businesses avoid unintentionally hiring illegal immigrants. Critics complain that it is expensive to operate, pushes undocumented workers further underground, and is not always accurate.</p>
<p>Some laws ahead for the new year focus on health issues.</p>
<p>One in California prohibits the production or sale of beer to which caffeine has been added. Another in the state would prohibit the sale of dextromethorphan, or DXM, to minors without a prescription. DXM is in many over-the-counter cough suppressants, but it has been used as a recreational drug, the National Conference of State Legislatures says.</p>
<p>California also will ban stores from selling expired infant food and formula.</p>
<p>Another law in California focuses on school athletes suspected of having a concussion or head injury. A school must remove the athlete from that activity and not allow him or her to resume until clearance is given by a health care provider.</p>
<p>Many of the new laws cited by the legislature group are in California, including one prohibiting the use of ultraviolet tanning devices by minors and another making it a crime to sell &#8220;a live animal on any street, highway, public right-of-way, parking lot, carnival, or boardwalk.&#8221;</p>
<p>Both Oregon and California will prohibit the sale of shark fins in the new year.</p>
<p>Oregon is requiring state colleges and universities to waive tuition and fees for foster children under age 25.</p>
<p>Some new state laws amend crime provisions. Kentucky will require that certain inmates convicted of drug crimes serve the final six months of their sentences in the community, under supervision.</p>
<p>Oregon will require ignition interlock devices &#8212; computerized breath analyzers &#8212; for people convicted of driving under the influence and people who are under intoxicant diversion agreements, which allow prosecution on a DUI charge to be delayed.</p>
<p>And more states are joining a nationwide movement for tougher laws against distracted driving. Nevada will prohibit all drivers from texting and using handheld devices, the National Conference of State Legislatures says. North Dakota is banning drivers under age 18 from using cell phones in their cars and barring all drivers from texting.</p>

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		<title>New Year’s Resolutions</title>
		<link>http://www.charlesyarbrough.com/2012/01/new-years-resolutions/</link>
		<comments>http://www.charlesyarbrough.com/2012/01/new-years-resolutions/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 00:36:25 +0000</pubDate>
		<dc:creator>chaze</dc:creator>
				<category><![CDATA[Culture]]></category>
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		<category><![CDATA[New Year]]></category>
		<category><![CDATA[New Year's Resolutions]]></category>
		<category><![CDATA[Resolution]]></category>

		<guid isPermaLink="false">http://www.charlesyarbrough.com/?p=2475</guid>
		<description><![CDATA[I see it so often every year people do over the top New Year&#8217;s Resolutions and of course within a month they are back to normal. I love the idea and I am sure there is people that can make a major change from their New Year&#8217;s Resolutions but the truth is most won&#8217;t and [...]]]></description>
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<p><img class="alignnone size-medium wp-image-2477" title="newyears" src="http://www.charlesyarbrough.com/wp-content/uploads/2012/01/newyears-199x300.jpg" alt="" width="199" height="300" /></p>
<p>I see it so often every year people do over the top New Year&#8217;s Resolutions and of course within a month they are back to normal. I love the idea and I am sure there is people that can make a major change from their New Year&#8217;s Resolutions but the truth is most won&#8217;t and these people are wasting a once in a year motivator to better them selves and setting themselves up for failure.</p>
<p><strong>I suggest keeping your New Year&#8217;s Resolutions simple this year, rather than trying to quit smoking or losing 40 pounds try to keep your closet organized or start a new hobby or class.</strong></p>
<p>By doing a resolution that is not too hard you are more likely to stick to it &#8220;obviously&#8221; but also by accomplishing this more obtainable goal now you are bettering yourself, building more strength, and finding the winning side of you so later you can fight the big things down the road.</p>
<p>I can assure you quieting smoking or drinking or gambling, or trying to lose weight needs more then the New Year, it needs strength, confidence, a clear mind, and a smart path to completion. Just some food for thought lol.</p>
<p><strong>Good luck to you in 2012!</strong></p>
<p>I hope 2012 is your best year yet and as my favorite Japanese proverb say&#8217;s; bettering yourself is a daily process and it only gets easier as you know what your future wants.</p>
<p><em>Thanks for reading my blog in 2011 and I look forwarding to hearing from you in 2012.</em></p>
<p>Here are some easy fun New Year&#8217;s Resolutions that you can do without too much stress:</p>
<p><strong>1. Start walking,</strong> I mean to the store for food to the diner to read the paper, to the park with your children or dog. I mean a set system that you follow every week. Like once a week you will walk for at least 30 minutes.</p>
<p><strong>2. Learn an instrument,</strong> but not guitar or something hard. Get a recorder or a bongo drum or something you can learn easily and have fun with. Then later you can work into harder instruments.</p>
<p><strong>3. Eat a better breakfast,</strong> rather say I&#8217;m going to lose weight or get fit start with one meal and better it each day. Oatmeal for breakfast is the single best thing you can do for your long term health.</p>
<p><strong>4. Start writing a story or fliming,</strong> we all have a imagination that wants to get out.</p>
<p><strong>5. Stretch or Yoga,</strong> this is so important for more energy, better blood flow, and just better movement.</p>
<p>&nbsp;</p>

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		<title>Happy Holidays</title>
		<link>http://www.charlesyarbrough.com/2011/12/happy-holidays/</link>
		<comments>http://www.charlesyarbrough.com/2011/12/happy-holidays/#comments</comments>
		<pubDate>Sun, 25 Dec 2011 03:37:51 +0000</pubDate>
		<dc:creator>chaze</dc:creator>
				<category><![CDATA[Culture]]></category>
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		<guid isPermaLink="false">http://www.charlesyarbrough.com/?p=2461</guid>
		<description><![CDATA[Let&#8217;s try to remember the holidays are about family, friends, giving, food, and making kids smile. If we can stay focused on that, we should be busy enough to not have to worry about anything else. &#160;]]></description>
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<p><a href="http://www.charlesyarbrough.com/wp-content/uploads/2011/12/stromek-papir540.jpg"><img class="alignnone size-medium wp-image-2468" title="stromek-papir540" src="http://www.charlesyarbrough.com/wp-content/uploads/2011/12/stromek-papir540-289x300.jpg" alt="" width="289" height="300" /></a></p>
<p>Let&#8217;s try to remember the holidays are about family, friends, giving, food, and making kids smile.</p>
<p>If we can stay focused on that, we should be busy enough to not have to worry about anything else.</p>
<p>&nbsp;</p>

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		<title>Stephen R. Covey</title>
		<link>http://www.charlesyarbrough.com/2011/12/stephen-r-covey/</link>
		<comments>http://www.charlesyarbrough.com/2011/12/stephen-r-covey/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 20:46:19 +0000</pubDate>
		<dc:creator>chaze</dc:creator>
				<category><![CDATA[Biz]]></category>
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		<category><![CDATA[effective habits]]></category>

		<guid isPermaLink="false">http://www.charlesyarbrough.com/?p=2457</guid>
		<description><![CDATA[&#8220;Seven Habits of Highly Effective People: 1)  Proactivity 2)  Begin with the end in mind. 3)  Put first things first. 4)  Seek Win Win. 5)  Let me listen to you first&#8230; seek to understand. 6)  Create new options. 7)  Self renewal.&#8221;]]></description>
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<p><a href="http://www.charlesyarbrough.com/wp-content/uploads/2011/12/be_effective.jpg"><img class="alignnone size-medium wp-image-2458" title="effective people" src="http://www.charlesyarbrough.com/wp-content/uploads/2011/12/be_effective-300x166.jpg" alt="" width="300" height="166" /></a></p>
<p>&#8220;Seven Habits of Highly Effective People:</p>
<p>1)  Proactivity<br />
2)  Begin with the end in mind.<br />
3)  Put first things first.<br />
4)  Seek Win Win.<br />
5)  Let me listen to you first&#8230; seek to understand.<br />
6)  Create new options.<br />
7)  Self renewal.&#8221;</p>

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		<title>5 things needed to fix the economy quick.</title>
		<link>http://www.charlesyarbrough.com/2011/11/5-things-needed-to-fix-the-economy/</link>
		<comments>http://www.charlesyarbrough.com/2011/11/5-things-needed-to-fix-the-economy/#comments</comments>
		<pubDate>Sat, 26 Nov 2011 22:53:26 +0000</pubDate>
		<dc:creator>chaze</dc:creator>
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		<category><![CDATA[bank fraud]]></category>
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		<guid isPermaLink="false">http://www.charlesyarbrough.com/?p=2448</guid>
		<description><![CDATA[We all know the economy is injured thanks to crooked banks and politicians. I couldn&#8217;t be happier seeing people leaving their corporate banks and finding local or at least smaller ones. BofA has miles of real reports of them simply stealing, lying, and hiding fees that will get you every time. Actually huge banks make [...]]]></description>
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<p><a href="http://www.charlesyarbrough.com/wp-content/uploads/2011/11/00_world_economy1.jpg"><img class="alignnone size-medium wp-image-2453" title="00_world_economy1" src="http://www.charlesyarbrough.com/wp-content/uploads/2011/11/00_world_economy1-300x225.jpg" alt="" width="300" height="225" /></a></p>
<p>We all know the economy is injured thanks to crooked banks and politicians. I couldn&#8217;t be happier seeing people leaving their corporate banks and finding local or at least smaller ones. BofA has miles of real reports of them simply stealing, lying, and hiding fees that will get you every time. Actually huge banks make more money off penalty fees then the accounts themselves. Wells Fargo added more fees then people should of got on mortgages. The list goes on but that is neither here or there.</p>
<p>The banks faults are not the point of this post, this is more about how to fix the damaged economy these banks too for granted and selfishly tanked.</p>
<p><em>All numbers are estimated based on 5 years and are based on wika data.</em></p>
<p>1. <strong>Lighten all law enforcement.</strong> Simply put we have way too many police and highway patrol. The reason is because it&#8217;s a business writing tickets and arresting people. But now more then ever the government needs to quit stealing from it&#8217;s people. Driving 55 does not save lives, it&#8217;s just gives cops a reason to ticket people driving a realistic highway speed.</p>
<p><em>Amount put back into peoples pockets: $56 billion</em></p>
<p>2. <strong>Shutdown NASA.</strong> I think putting our starship dreams on hold is not going to end our dreams as a country. Privatize space travel with subsidiaries and focus on telescopes and scientific computations. NASA is by far the least sacrifice for saving billions of dollars as a country.</p>
<p><em>Amount put back into the government and new business: $260 billion</em></p>
<p>3. <strong>Tax the richest 1%.</strong> Needless to say the rich would not be there without us. This is a luxury that needs to be compensated at least on a 5-10% scale beyond taxes (that they hardly pay).  It should be a special tax that goes completely into a fund for starting and growing new small businesses. Free commercials for each business would be a great idea to help small businesses.</p>
<p><em>Amount out back into new business: $230 billion</em></p>
<p>4. <strong>Stop the war.</strong></p>
<p><a href="http://www.charlesyarbrough.com/wp-content/uploads/2011/11/war.gif"><img class="alignnone size-medium wp-image-2449" title="war" src="http://www.charlesyarbrough.com/wp-content/uploads/2011/11/war-186x300.gif" alt="" width="186" height="300" /></a></p>
<p>Need I say more? We need to focus on defense as a nation. All able men should get basic training in case of a major war.</p>
<p><em>Amount put back into the economy: $520 billion</em></p>
<p>5. <strong>Pull out of foreign relations and limit importing.</strong></p>
<p>What bothers me is everything is trying to come up with a  permanent solution when really we need to work on repairing the economy for now and once it&#8217;s back to normal we can be more flexible. Lock down imports with strict regulations and subsidize local business. We export almost nothing yet 80% of our economy is bases from other countries products. We will lose nothing and gain billions by supporting local business.</p>
<p><em>Amount put back into the economy: $600 billion</em></p>
<p>If we can make the bold moves needed in less then 5 years we will be stronger and smarter then ever as a nation.</p>
<p>&nbsp;</p>

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