Presentation by Joe Saad, Business and Yacht Broker

here is what the Breverton's Nautical Curiosities Book (by Terry Breverton) defines Ships and Yachts:

- YACHT: In the 17th century a "jahtship" was defined as "a ship for chasing, a light sailing vessel, a fast piratical ship" . There were many spellings, but the origin was the Dutch "Jaghen" , to hunt. The United Provinces of the Netherlands used yachts, small, flat-sterned naval pinnaces to escort their fluits (Dutch flutes) and herring busses to prevent their being attacked. One of these fast yachts was made to high-specifications and presented to King Charles II by the Dutch, and so the word YACHT came to symbolize a pleasure craft.

- SHIP: A general term for any large, ocean-going vessel (as opposed to a boat) Originally it referred specifically to a vessel with three or more masts, all square rigged. The origin of the word is lost , though it is recognizable in all languages descended from the various old Nordic tongues.

In short, if you see a tanker or a large cruising ship, you do not refer to it as a "Yacht" and neither would you refer to a water-ski or fishing boat as a yacht. Yachts could be sail boats or motor boats but in any case, they infer luxury and pleasure boating... A "Boat Club" does not sound as prestigious and fun as a "Yacht Club"...

Presentation by Mitsuhiro Iwamoto, Shishinjutsu Therapist

Hiro Iwamoto was recently featured on Fox News for his See What I Sea Project

The video can be viewed here.

For more information on the project visit SeeWhatIsSea.com.

Presentation by Mark Golchin, Mortgage Broker

Effects of current gasoline price hike in interest rate and real estate: Consumption of gasoline in the US is about 375,000,000 gallons a day and increase of the price by every penny will make a difference in adding the cost of merchandise, reducing the profit of the producers of goods and services, savings of the consumers and finally spending mood of the public. Just look at one penny increase in gas will cost $3,750,000 for public per day. In the past two months an average of at least 60 cents per gallon prices have gone up and that will make $225,000,000 per day extra payment for public and extra profit for the oil companies and per month you can imagine $6,750,000,000 extra pay for public and extra profit for the oil companies, even though the consumption of gasoline has decreased by 6% through the country, and Yet, no one is in control of this absolute monopolization of oil mafias who generate news very easily then convert it to huge profit.

However, this Huge increase of gas prices will cause cost of goods and services to be higher and the profits of the producers to be lower, considering the fact that 70% of transportation of goods and merchandise in this country are by trucking and autos that have to use gasoline. In short, increase of goods and services throughout country will dampen the growth, reduces confidence and generate inflationary rhythms and the hike on CPI. However, as soon the report of CPI comes up at the very first second bond price and mortgage backed securities will decrease and then we will witness rate chance for higher from then and on. Please keep in mind, Mr. Bernanke, the fed chief had mentioned that Fed does not plan to raise the rate for the next two years but, also remember this fact that fed cannot control the rate bur market controls the rate.

Fed will determine the Fed fund rate and fed discount rate that those rates will affect consumer rate such as credit card rates and equity line of credits and some adjustable indexes. There are certain economic data that come up and will change the direction of the interest rate for the better or worse and Fed has no control on them and those reports will affect the daily interest rates. At this time we have to watch the market closely as well as the trend of economy as a result of gasoline price hike into inflation.

At this time rates are still very good and I strongly advise my clients and friends to take advantage of it before rates start going up. Interest rates are about to increase very soon.

Presentation by Thomas Erickson, General Contractor

This is a work outline for a contractor responsible for a custom home project

• Meeting with owner, architect and builder
• Conceptual design stage
• Approval of conceptual design
• HOA approvals
• Structural integration
• Civil integration
• Landscape integration
• City submittal
• City plan check
• Building permit
• Design support during construction

Presentation by Rick Wright, P.E.

This is a work outline for an architecture/engineering firm responsible for design and engineering of a custom home

• Meeting with owner, architect and builder
• Conceptual design stage
• Approval of conceptual design
• HOA approvals
• Structural integration
• Civil integration
• Landscape integration
• City submittal
• City plan check
• Building permit
• Design support during construction

Presentation by Joe Saad, Business Broker and Yacht Broker

As a business broker in San Diego, some of the things I encounter on every transactions are fears when people buy or sell a business! To-day, I will tackle the fears when one and share with you how, after 25 years experience, I have come to handle and deal with fears when someone is going to sell a small business.

There are 3 major fears for Business Sellers:

The first and most important one is: Confidentiality.

When considering listing their business for sale, sellers are apprehensive about two major issues:

1. Their employees finding out about their intention to sell, and leaving them
2. The public handling of their financial information

Presentation by Al Baldwin, Computer Services and Networking

This week Al Baldwin gave a presentation on wireless networks, the technology behind frequencies and interference. He covered the more popular 2.4GHz bandwidth spectrum and the ever-increasing issues that plague this bandwidth as more and more devices occupy this frequency. Along the lines of 802.11 standards there are essentially 11 usable channels; all are limited for indoor use to a maximum output of 1W. He showed how the 11 channels overlap, why they overlap and how to minimize interference. He gave us a basic design and showed that there are 3 non-overlapping channels. He gave insight to software that could detect and display the wireless networks around one’s home or office and how to use this information to change or modify our own setup to maximize throughput and reduce overlapping energies.

Additionally, he gave a brief overview of data backup. He posed many different questions a business owner might ask about their backup system as well as their recovery system. One thing he points out that many overlook is the fact that while we are creating our backups we must also test the restoration process. If the backup is corrupt so will be the recovery.

Presentation by Vincent E. Sullivan, Board Certified Estate Planning Attorney, in San Diego

Vince spoke of the very important aspects of estate planning which are often overlooked.

1. Beneficiaries of life insurance;
2. Beneficiaries of retirement plans;
3. Joint ownership of bank accounts; and
4. Proper funding of revocable living trusts.

Presentation by Aki Sogabe

Golf – Advantages and Disadvantages

Advantages

• Playing in nature
• You can play alone
• Players can be a wide range of ages.
• You can play with people who are different ages and proficiencies
• Good for your health.
• You can improve your mental abilities.
• Playing golf allows you to build new friendships.
• Playing golf is a good business tool

Disadvantages

• It takes a long time to play a round of golf.
• Some equipment is expensive.
• Golf can be addictive.
• People can get injuries.
• Because you hit a still ball, golf looks like an easy game, but it is actually more difficult than people think.

Presentation by Jennifer Ackley
Insurance Specialist

Why is Uninsured and Underinsured Motorist so important?

Uninsured Motorist coverage protects you when the at-fault driver doesn’t have enough insurance, or has no insurance at all. Uninsured Motorist Coverage isn’t very expensive to add onto your existing Automobile policy and provides you with a huge benefit. If another driver is at fault for an accident and you are injured, the uninsured motorist coverage provides you with coverage for loss of wages, pain and suffering, additional expenses and mileage to doctor appointments. For just a few hundred dollars a year, this coverage is very beneficial and can make a huge difference if you are ever seriously injured.