My book "LETTERS OF CREDIT, HOW THEY WORK" was written for small business owners to learn how to use letters of credit to do export or import sales. The information in this book gives you the inside picture of what Banks do and how you can save money using the right banks. I also advise how to do export sales with little to no risk of being paid. 
I wrote the book on using Letters of Credit for Union Carbide Electronics Company back in 1981. At that time I was International Sales Manager and we just started doing export sales to China, Korea, and, Japan. My job was to teach our people how to use Letters of Credit to assure we would be paid by the customer in these third world countries.    
 
My book "LETTERS OF CREDIT, HOW THEY WORK" was written for small business owners to learn how to use letters of credit to do export or import sales. The information in this book gives you the inside picture of what Banks do and how you can save money using the right banks. I also advise how to do export sales with little to no risk of being paid. 
I wrote the book on using Letters of Credit for Union Carbide Electronics Company back in 1981. At that time I was International Sales Manager and we just started doing export sales to China, Korea, and, Japan. My job was to teach our people how to use Letters of Credit to assure we would be paid by the customer in these third world countries.    
 
Thank you Transcendent Publishing for your excellent service publishing my books on Kindle, the Cover and Author's pages. You made my dream come true. My book sales after 2 months are better than expected. I recommend your service to any future Authors. Go to www.tanscendentpublishing.com to get the help you need to publish your e book. Prices are low and service is fast.  
 
I highly recommend this business book,  “FINDING INVESTORS TO FUND YOUR BUSINESS” (An Entrepreneur’s Strategic Guide to Raising Capital), written by Erica Drake, CEO and Managing Partner of Maverick Approach Consultants. This can be purchased on line at www.themaverickapproach.com.

Written for Entrepreneurial students or current Entrepreneur’s this book is a must read and is a self learning experience. If you are a Entrepreneur this book covers making business plans and cash flow everything from soup to nuts. After reading this and using the interactive CD templates you will be a expert ready to obtain the funding your business may need.  

Veteran entrepreneur and leading business coach, Erica Drake takes you through a two-part proven approach to the process of raising capital for your privately held company. In Part I of her book, she teaches you the Maverick Approach -- a step-by-step method of systematically approaching the daunting task of raising capital. These steps include the preparation phase: how to prepare, plan and create perception.  Drake then teaches you the intricacies and language of the investment landscape, including how to understand corporate structuring, develop strategies to protect your control, all about debt, equity and bootstrapping capital, and then how to formulate your own corporate valuation.  In the final phase of Part I, Drake then teaches you to how to find, meet with, and close a deal with investors.      

In Part II of the book, theory turns into action!  Drake gives you a total start-up kit for building your battle plan.  Complete with interactive CD templates to build your business plan, financial projections and investor presentation, this section is invaluable to your success.  Drake explains in a simple method how to create each element using maverick strategies that attract investor’s attention and close a deal.  Drake then gives you a full-length business plan example to teach you how to properly present your total battle plan in a powerful format.

Finally, Drake gives you sample investor questions and answers to prepare for your presentation, along with a list of key hunting grounds to start prospecting for your investors.

 
I would get ready for a big market crash if President Obama gets back in office. Look at the holdings you have and if they are at or near the last 5 year lows then you may not have to much to worry about. However if you have purchased these stocks near the highs take your profits and sit back too see what happens with the election.
My theory is to sell if I see a 5% drop or more from the current prices. PHK and PHT have fallen more than this in the last 2 weeks. You can always buy these back at a lower price.
 
Just a general comment to me it seems that EOS is somewhat safe along with NLY and ARR. Also PMF a PIMCO Bond fund maybe a good place to put your money. 

Once the market bottoms out buy back what you have sold at lower prices. Once again look at the 3 to 5 year lows on bigcharts.com  
 
Thank you to everyone who has downloaded and read one of my books.  Since I am now retired I can have more time to write which I enjoy doing. Many people have told me how much they enjoyed my American Gaijin in Asia travel stories. Even more have told me how THE RACE FOR MONEY has helped them to have a better retirement income.

One of my friends got lucky and won $500,000 in the lottery but he did not know how to invest the money. He read my book and is and making over 10% a year and will be set for retirement in 10 years.  He told his Father about it who was making 3 to 4% a year on his retirement money and now he is hauling in 12% a year. It is great to see people who benefit from my book. If you find it helped you please email me. Good or bad let me know how you like my books. Do a review on Amazon and let everyone know if you like it or not.

Many have advised me that my Small Business Accounting Tools book and Letters of Credit ; How They Work have helped their Small Business in International Sales and become profitable.

My Children’s book True Life Adventures of Tommy and Ronnie, a book about my brother and I growing up has be well received and is being looked at for use in grade schools. I will be writing more adventures soon.

Thanks again.

Thomas H. Ward 

 
FROM MY BOOK THE RACE FOR MONEY: POWER OF COMPOUND INTEREST AND HIGH YIELD – DOUBLE YOUR MONEY IN 5 YEARS

Most people think they could never become a Millionaire, but think again. If you start young at the age of 25 with a base of $10,000 for example, and save $350 per month or $4,200.00 per year with a 7% interest rate compounded yearly you can retire at age of 65 with $1,046,904.77 in savings. Go to moneychimp.com to use a compound interest calculator.

It is never too late to start to save for your million. Even at age of 40 if you start with $20,000 and save for the next 25 years $1,000 per month compounding yearly at 8% you end up with an amazing amount of $1,084,422.49 to live on.

 
READ MY BOOK THE RACE FOR MONEY TO FIND OUT MORE ABOUT FEDERAL TAX FREE 
There are closed end funds on the market which can return 5 percent to 7.5 percent Federal Income Tax free yield. Since they are tax free the equivalent yield could be as high as 9 to 11 percent, based on a 35 percent federal income tax rate. Not bad if you need income tax free. One can also buy more each month with the dividend thus compounding your earnings. In addition you do not pay any FICA tax on the dividend income you receive  
 
 
BUSINESS CONSULTANT

CONSULTANT: Thomas H. Ward, MBA in International Business with over 30 years experience in export and import of goods and services.  Has done work for KIA, Inc, RCA, Zenith, Texas Instruments, Stuart Coatings, and SKC (Korea), to name a few companies. Import / Export experience with China, Japan, S. Korea, Southeast Asia, Europe, Mexico, North America, and South America. 

I wrote the book LETTERS OF CREDIT AND DOCUMENTARY COLLECTIONS available on Amazon, Kindle and, Xlibris publishing.  Go to: www.thomaswardbooks.com

If you need help to export or import goods or services I can provide the following at low costs.

1. Help to set up a Letter of Credit for export, providing you step by step guidance.

2. Help to review Letters of Credit and Bills of Lading for your export shipment to make sure you are adhere to the terms of the LC.

3. Arrange Shipping for your export goods with a dependable Freight Forwarding Agent that can handle HAZMAT or DANGEROUS goods. Shipments can be made from LA, Chicago, New York, or Houston. 

4. I can make sure you will be paid so your risk of nonpayment is zero.

5. I can show you how to use a Letter of Credit to obtain an Assignment of Proceeds Letter from your bank to avoid making a costly Transferable Letter of Credit. An Assignment of Proceeds Letter does not advise who the customer or supplier is keeping this information private.

6. I can advise you what Banks to use to reduce your Banking charges when using a Letter of Credit.

These are just some of the services I offer. Email me with your problems and questions I will reply at no cost to you. Let me help you make more money.

Contact me at: thomaswardbooks@gmail.com. I provide low fees with excellent service.