Friday, June 28, 2013

Kevin O'leary Investment Advice

Kevin O'Leary - Wikipedia, The Free Encyclopedia
His mother provided the seed investment of $10,000, experiences, insights, and lessons on entrepreneurship, business, finance, money and life as well as advice for budding entrepreneurs. Media. Kevin O'Leary (from season 1) Arlene Dickinson (from season 2) Bruce Croxon ... Read Article

Gold Stocks Will Head Lower: Kevin O'Leary (O'Leary Funds ...
Shark Tank's Kevin O'Leary (Canada's equivalent to Donald Trump) 6:37 "Silver is this decade's golden investment" Precious metal discussions on Lang and O'Leary Exchange by MrXstacey 10,475 views; 1:12 Robert Herjavec's Advice by TheHour 30,755 views; ... View Video

Participant Level Investment Advice

Pictures of Participant Level Investment Advice

DOL Releases Interim Guidance On Electronic Disclosure Of Fee ...
ERISA prohibited transaction exemptions for participant investment advice enacted in the Pension participant investment advice, level fee, computer model, SunAmerica, advice arrangement, fiduciary adviser, eligible investment expert, DOL, EBSA"; ... Document Viewer

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DOL Proposes Rules On Investment Advice For 401(k) Plans And IRAs
Under the level-fee structure, exclusive approach for providing participant investment advice, overturning past DOL guidance.The result would be to impose considerable restrictions on the ability of firms to provide investment advice ... Access This Document

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UPDATE: DOL PLAN-LEvEL AND PArTIcIPANT-LEvEL DIScLOSUrE ...
PArTIcIPANT-LEvEL DIScLOSUrE rEgULATIONS NOT FOr USE WITH PArTIcIPANTS INTrODUcTION windows, fees for investment advice services, etc. Change Notifications. If changes to any of the above-described individual expenses are scheduled ... Retrieve Doc

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Investment Advice Guidance - CBIZ - Professional Business ...
Investment Advice Guidance The Department of Labor (DOL) has issued Field Assistance Bulletin (FAB) 2007-1 The PPA authorizes investment advice to be given on participant level. According to FAB 2007-1, a plan sponsor or fiduciary is responsible for the prudent selection and ... Access Doc

About Experts Sitemap - Group 1 - Page 31 2012-08-30
The company may be correct if this was a defined benfit pension plan and it only paid benefits when the participant reached a certain age and did not pay benefits if she died before that but not at the CPA level. investment choices, economic climate, ... Read Article

Asia-Pacific Economic Cooperation - Wikipedia, The Free ...
Has lobbied for the creation of a high-level task force to study was created by the APEC Economic Leaders in November 1995 with the aim of providing advice to the APEC Economic Leaders on ways cooperation, trade and investment in the Asia-Pacific region" established to ... Read Article

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Regulatory Brief: DOL Issues Final participant advice Regulations
DOL issues final participant advice regulations Vanguard Strategic Retirement Consulting November 2011 The Department of Labor (DOL) recently investment theories. Level-fee exemption. The Final Regulation provides that, under the level-fee arrangement, ... View This Document

Participant Level Investment Advice Photos

DOL Adopts Final Regulation On Exemption For Participant ...
1 DOL Adopts Final Regulation on Exemption for Participant-Level Investment Advice November 28, 2011 The U.S. Department of Labor (DOL) has adopted a final regulation to implement the statutory ... Fetch Here

Participants' Comments From Moscow International Property ...
Of professionals willing to give essential advice. events due to a high level of organization and competent materialization of a professionally developed concept. Its distinctive characteristics include cordiality and consideration for each participant, ... View Video

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Fiduciary Investment Advice For Participants
Fiduciary Investment Advice for Participants regulation and the information provided by the adviser to make sure that the participant advice program fits within one of the two regulatory exemptions. which charges a level fee for its advice to participants. ... Get Doc

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Cytta Completes Mobile Monitoring Technology Pilot Program And Begins Licensing Discussions
The President of Cytta Corp. , manufacturer of the CyttaConnect Open Source mobile monitoring technology, has issued the following update outlining the Company's future plans in anticipation of their upcoming ... Read News

Participant Level Investment Advice

DOL Issues Final Regulations On Participant Investment Advice
The following requirements apply to both fee-level and computer model investment advice arrangements. [ 4] Volume 34 | Issue 89 | November 18, 2011 Plan Fiduciary Authorization Required. DOL Issues Final Regulations on Participant Investment Advice Author: ... View Doc

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Participant Disclosures: New Requirements
To participant level. How do we disclose? • Hand delivery in workplace • Periodic employer communications investment advice from unaffiliated adviser. Investment Advice • Failure to provide notice may result in fiduciary liability for advice ... Get Document

2012 Asia Pacific Regional Final: University Of Sydney - YouTube
Each student participant will be tested on their analytic, 19:30 CFA Level I Financial Statement Analysis Video Lecture by Mr. Arif Irfanullah by arifirfanullah 4,740 views; 3:16 Career Advice - Finance and Investment Banking by InnovateCV 19,792 views; ... View Video

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PARTICIPANT LEVEL ADVICE: CURRENT LEGAL AND REGULATORY ...
PARTICIPANT LEVEL ADVICE: CURRENT LEGAL AND REGULATORY ENVIRONMENT fi360 NATIONAL CONFERENCE May 2009 by: Marcia S. Wagner, Esq. The Wagner Law Group investment advice to the plan sponsor or plan participants would need to proceed cautiously in ... Doc Retrieval

Effective Meetings Produce Results - Follow-up After The Meeting
Follow-up at the next scheduled meeting is never enough of an investment to ensure results. Have you ever sat in a follow-up meeting that consisted of each participant telling the group why they were unable to accomplish their Taking continuous improvement to another level, ... Read Article

Participant Level Investment Advice

Department Of Labor Proposes New Rules On 401(k) Plan ...
Or registered representative providing the advice met the level fee requirements, provision of the advice or the participant acting on the advice; dol; 401(k) plan investment advice; employee retirement income security act; erisa; new proposed regulations erisa; ... Doc Retrieval

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ERISA Section 408(b)(2) Fee Disclosures: Impact On Broker-Dealers
Fee disclosures for plan sponsors Participant-level fee disclosures Participant investment advice Proposed Rulemaking DOL Interaction with White House Working with White House’s Middle Class Task Force Coordinated actions to improve Participant Investment Advice 3. 408(b)(2) Disclosures ... Access Doc

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DOL Issues Final investment advice Rules - PRS Home Page
DOL issues final investment advice rules • Pays level fees to the investment adviser, participant or beneficiary, an investment option (such as employer securities or target date funds) may be excluded from the modeled advice; and ... Access This Document

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Pension Protection Act: DOL Interprets Participant Investment ...
Compensation for giving plan or participant-level investment advice received by a fi duciary investment adviser or persons in which it has an interest (which we refer to as “interested persons”) was not affected by the ... Fetch Doc

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GAO-11-119 401(K) Plans: Improved Regulation Could Better ...
To identify current practices in participant-level investment advice, we conducted a poll of plan sponsors and service providers in partnership with the Society for Human Resource Management (SHRM) and the Society of Professional Asset-Managers and ... Access Doc

About Experts Sitemap - Group 90 - Page 11 2012-07-27
I am not a participant in the personal financial planning General Stock Investment Strategies: GeneraL Hi Steve- First, I don t give any specific investment advice through this site (and it s not a stock I follow), so please take these as Rule 405 and Customer Risk Level, ... Read Article

Rafidah Telling The Story Of The Udang At PWTC - YouTube
Of International Trade and Industry,Dato' Seri Rafidah Aziz was in her normal dynamic self at the recent Klang Valley Investment & Trade Dialogue and immediate advice to Entepreneurs so that all their promotion to the best level with the best results ... View Video

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6 Rhoads Drive, Suite 7, Utica, NY 13502 Www.bpas.com Press ...
Adviceware™ (see www.Adviceware.com) is an innovative web‐based solution for participant‐ level investment advice. In contrast to the Monte Carlo back‐tested methodology used by many competing ... Document Viewer

Participant Level Investment Advice


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Investment Advice Insurance

Investment Advice Insurance Photos

VALUING FINANCIAL SERVICE FIRMS - New York University
Investment bank provides advice and supporting products for non-financial service firms to raise capital from financial markets or to consummate deals such as acquisitions or divestitures. Investment insurance companies, investment ... View This Document

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Raising The Standards Of Investment Advice
Raising the Standards of Investment Advice Mr. Jason Sadler President , LIA Singapore 27 April 2005 - The Singapore Story ... Read Document

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TH 15 Mr Donald Carmichael Dear Don - D.J. Carmichael ...
Insurance broker who will be able to carry out a comprehensive review of your current situation. Please advise me of any changes to your cover. 11 Mr D Carmichael - Statement Of Advice the investment advice contained in this report deals only with ... Retrieve Doc

Investment Advice Insurance

SM St Travelers 1 Choice ACCOUNTANTS PROFESSIONAL LIABILITY ...
Travelers 1 st Choice. SM. ACCOUNTANTS PROFESSIONAL LIABILITY COVERAGE . INVESTMENT ADVICE/FINANCIAL PLANNING PRACTICE SUPPLEMENT . Travelers Casualty and Surety Company of America ... Visit Document

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Multi Family Office - Wikipedia, The Free Encyclopedia
Offers investment advice for a fee. Life Insurance Analysis; Debt Structure and Analysis – Bank Financing; Tax Return Preparation; Foundation Management; Entity Administration (FLPs, CLTs, CRTs, Installment Sales, etc.) Aircraft Consulting; ... Read Article

New York Life Insurance - YouTube
New York Life Insurance explains why traditional investment advice for women is flawed, and offers advice on which investments can guarantee a paycheck for life. Compare life insurance online at TermLifeAssurance,org just replace the , for a . ... View Video

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Selecting An Investment Services Provider - CFA Institute
As insurance needs and estate and tax planning, in addition to more investment-oriented areas, such as For example, planners who provide investment advice must be registered as investment advisers, and those who sell insurance products are licensed and regulated by their state’s ... Doc Viewer

Investment Advice Insurance

Registered Investment Advisor - Wikipedia, The Free Encyclopedia
RRs of a Broker-Dealer who also engage in the business of providing investment advice are required to affiliate with a Registered Investment Adviser. As Investment Adviser Representatives (IARs) ... Read Article

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1476 National Certificate In Financial Services (Financial ...
National Certificate in Financial Services (Financial Advice) (Level 5) with strands in Investment Advice, Insurance Advice, and Residential Property Lending Advice ... Fetch Full Source

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ANZ Bank New Zealand - Wikipedia, The Free Encyclopedia
Finance and insurance: Founded: 1835 – ANZ. 2003 – ANZ National Bank. 2012 – ANZ Bank New Zealand. Headquarters: Wellington, New Zealand: who provide investment advice for the investment and insurance products sold by ANZ and The National Bank. ... Read Article

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National Certificate In Financial Services (Financial Advice ...
In investment advice, insurance advice, or residential property lending advice. It is intended for people who are required to give personalised and specific advice based on needs analysis of a wide range of data; determine appropriate methods, make ... Fetch This Document

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Financial Advisers
Can give advice on insurance-based products to clients based in another EEA state; and/or • the Markets in Financial Instruments Directive By opting into MiFID in order to give investment advice to clients in another EEA State, we expect your firm will become an ‘exempt CAD firm’. ... Access Doc

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Link-age Ventures Closes Investment In Skilled Care Pharmacy
CINCINNATI, Ohio -- via PRWEB - Skilled Care Pharmacy, Inc. ("Skilled Care"), a leading institutional pharmacy focused on senior living providers located in Mason, OH, is pleased to announce ... Read News

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Financial Services Guide - Professional Investment Services
What should you know about any risks of the advice, investment and/or risk insurance products or services that are recommended to you? Please be aware that there are risks associated with investing in financial markets which may adversely affect the value of your ... Visit Document

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Financial Advisers And Passporting Factsheet
To give advice to clients on an insurance-based product, then you will generally need to make sure that you have the right to passport under the IMD: • By opting into MiFID in order to give investment advice to clients in another EEA state, we expect ... Get Doc

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Persons requiring advice should consult an independent adviser. Insurance investment risk, therefore, is when investments become insufficient to pay the liabilities due to adverse changes in capital markets. The analysis and management of ... Retrieve Doc

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Regulation Of Financial Advice - QFA Board
• Persons providing investment advice in the course of another professional activity, provided the provision of the advice is not specifically remunerated. (MIFID exemption only) • Insurance, investment & mortgage intermediaries ... Return Doc

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The Translation Is Intended Solely For The Convenience Of The ...
Regulation of Investment Advice, Investment Marketing and Investment Portfolio Management Law, 5755-1995 1 Savings Advice and Marketing Law; (3) insurance agent; (4) a person controlling or holding more than 10% of any means of ... View Doc

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Insurance broker to use aggressive sales practices. _____ 3 Based on our May 2010 survey of providers including AXA, MetLife, New The information contained in this piece is not intended to and does not provide legal, tax, or investment advice. It is provided for ... Retrieve Doc

Should I Use The Financial Advisor Through My Bank?
They may offer incentives such as lower fee transactions or free checking if you have an investment account at the bank. Related Searches life insurance options brokerage house brokerage fees risk categories reliable company investment option. Explore Money in Your 20s. Must Reads. ... Read Article

Ask Suze: What's Wrong With Annuities? - YouTube
I'll bet that the 41 dislikes are by insurance company employees and brokers and other annuity salesmen. People, don't listen to Suze, she is all about HER, and not about YOU. Her advice will fail to get you to a comfortable retirement. That much is FOR SURE. ... View Video

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Property-abroad.com Relaunches Overseas Property Site With 170,000 Properties From 100 Countries
Www.property-abroad.com - When initially launched, property-abroad.com offered just a few hundred properties. Now the site has over 170,000 listings from over 100 countries worldwide and continues to grow daily. The database is shared with property-abroad.com's satellite sites each dealing with individual countries. ... Read News

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Investment Portfolio Management (Equity And Insurance) 5760 ...
Regulations for the Regulation of Investment Advice, Investment Marketing and Investment Portfolio Management (Equity and Insurance) 5760, 2000 1 Insurance requirement for an investment advisor and for an investment marketing agent (Amendment: 2006) 3. ... Content Retrieval

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Private Investment Advice Investment Advisor: Department Overview
Advice on estate planning, insurance needs and tax planning strategies. Investment Advisor: TDBG Description - Provide investment advice and services to affluent individuals using TD Waterhouse Private Investment Advice products and services. ... Fetch Doc

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Colordarcy's 5 Worst Property Markets Of 2012
Property investment firm, Colordarcy , have just a released a report compiled from their own research on the worst property markets of 2012. (PRWeb January 09, 2013) Read the full story at http://www.prweb.com/releases/2013worst-property-market/01Colordarcy/prweb10306812.htm ... Read News

Financial Planning For Retirement By Insured Investments ...
Host Tami Simpson, president and founder of Insured Investments Advisors Group delivers sound investment advice for retirees. Trying to decide if annuities, 401K, IRA, 8:50 Insurance Licensing Exam Test Tips from Kaplan Financial Education by KaplanFinancialEdu 7,398 views; ... View Video

Thursday, June 27, 2013

Peter Schiff Investment Advice 2010

Photos of Peter Schiff Investment Advice 2010


9/21/2010 13:31:57. 9/21/2010 14:11:35. 9/21/2010 14:29:35. 9/21/2010 14:45:01. 9/21/2010 14:45:01. 9/21/2010 14:45:01. 9/21/2010 14:45:01. 9/21/2010 14:45:01 ... Fetch Full Source

Milton Friedman - Wikipedia, The Free Encyclopedia
Several regression studies with David Meiselman during the 1960s suggested the primacy of the money supply over investment and government spending in determining consumption During the financial crisis of 2007–2010, Peter H. Raven; Carl Woese; 2001: Francisco J. Ayala; Mario R. Capecchi; ... Read Article

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You'll find that this new edition of CONTEMPORARY BUSINESS 2010 gets readers Private bankers are involved in giving investment/wealth management advice to Partial list of contributors (tentative) Reuven BarOn, Steve Stein, Karl Albrecht, Cary Cherniss, David Caruso, Peter ... Get Content Here

Ron Paul - Wikipedia, The Free Encyclopedia
In the 2010 Republican primary, Paul defeated three The Ron Paul Survival Report, the Ron Paul Investment Letter, and the Ron Paul the scene immediately, disposing of the wiped off gun as soon as possible I frankly don't know what to make of such advice, but even in my little ... Read Article

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He Anking Aw OurnaL - Weil, Gotshal & Manges
Peter J. Wilder 158 wIll Tousa CHanGe lendInG PraCtICes? Schiff Hardin LLP Banking Briefs Donald R. Cassling Partner, Quarles & Brady LLP Intellectual Property reluctance by financial institutions to lend to non-investment grade compa- ... Access This Document

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Peter Armstrong. Stephen T. McClellan. Jack Ablin - Chief Investment Officer, Harris Private Bank. Suzanne McGee - Contributing Editor, Barron’s. Real-Time Java™ Programming with Java RTS 2010/02/02 Buying and Selling by Investment Trends ... Content Retrieval

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2010/01/20 Peter Morville. Jeffery Callender. 9781449380205 2010/02/01 The Best Investment Advice Is Sometimes About What Not to Do 9780132617277 Improve Your Business Communication (Collection) 9780132617703 Peter D. Schiff. ... View This Document

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PZ
Margot Levin Schiff P’90 & P’95, Chicago, IL William D. Sheinberg ’83 & P’12, Joel Harper ’95 and Peter Harper ’96 emulated Marc Lauerman ’74, his father. Alvin Ko ’14 took the advice of his sister, Shelly Ko ’10. Sara Garcia-Dehbozorgi ’14 is one of ... Return Document

Housing Investment Advice

Housing Investment Advice Images

Guidance Note 9: Financial Regulation For Social housing ...
If social housing providers give advice on any other financial product they may require authorisation. 3.9 This does not stop social housing providers: • introducing residents to FSA-regulated firms that give independent investment advice; ... Fetch Here

The 6 Most Important Things To Look For In A Management Agreement
Equal Housing Opportunity. You want to make sure the management agreement has a section that says they support Equal Housing Opportunity. Related Advice on Managing Tenants. How to Select the Right Tenant for Your Property; How to Run a Credit Check on a Prospective Tenant; ... Read Article

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Affordable Housing: The Community Housing Sector In New Zealand
Large scale institutional investment in long term rental housing is uncommon. and Ministry of Housing (to provide housing policy advice, tenancy services and bond administration). Between 1991 and 2000 around 12,500 state ... Retrieve Full Source

Housing Investment Advice Images

Daily Summary On USD, EUR, JPY, GBP, AUD, CAD And NZD
Market turns focus to BoE, ECB meetings Thursday. Sterling slips on speculation of further easing by BOE. Yen comes under renewed pressure vs US dollar and euro. ... Read News

Land Banking - Wikipedia, The Free Encyclopedia
Land is popular as an investment as it is a tangible asset as opposed to shares or bonds. The intended increase in value may come from inflation, conversion for use as housing, or potential for extraction of raw materials. ... Read Article

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IHCDA Strategic Investment Process Compliance Manual Edition ...
B. Strategic Investment Priorities IHCDA creates housing opportunity, and advice on rights under the Fair Housing Act. Affordable Rent (CDBG/HOME) - is rent plus utilities that does not exceed thirty percent (30%) of a household's gross monthly income. ... Fetch Content

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Full Report Value For Money In housing Options And ...
Investment. Housing options/homelessness prevention The outputs from the review service enabled authorities to compare the following against one another: of a ‘housing advice only’ case per successful or unsuccessful prevention. ... Return Document

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BUILDING CALIFORNIA’S FUTURE - Department Of Housing And ...
Brennan and Mr. Wardip greatly appreciate the advice and comments of Matthew Newman of Blue AFL-CIO Housing Investment Trust Conrad Egan Maureen Friar National Housing Conference Richard K. Green University of Southern California Lusk Center for Real Estate ... View Document

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Leadership and advice in identifying community needs, resources, and problems. England Housing Investment Fund. Quilts for Katrina: Rural Development Staff Member’s Quilts Comfort Evacuees It isn’t easy getting used to a new home- ... Get Doc

What To Do With Bad Advice From Stock Broker - Exotic ...
Stuck in Bad Investment Thanks to Stock Broker High Gain Investments Always Carry Risk. A number of financial products were built around the strong housing market. What to do with Bad Advice from Stock Broker - Exotic Financial Products can Carry High Risks; ... Read Article

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Buying A house: A Checklist To Help Home Buyers Make Informed ...
Expert advice will help you make a sound investment for your future – whether you’re buying a home to live in with your family or to and Housing. Title: Buying a house: A checklist to help home buyers make informed decisions Author: ... Retrieve Doc

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State Of Hawaii Department Of Business, Economic Development ...
Hawaii Housing Finance and Development Corporation LEGAL AD DATE: October 14, 2011 REQUEST FOR PROPOSALS No. RFP-11-002-FIN Investment Advice Review and make recommendations regarding HHFDC’s investment policy. Assist the HHFDC, ... Doc Retrieval

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Residential Property Practice
Housing aid or advice (T038) 17 Housing maintenance, repairs and improvements (T039) 18 Housing management and policy (T040) 19 Investment*: advice on investment appraisal, performance measurement and analysis and portfolio management ... Fetch Doc

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The Best Investment Advice George Soros Ever Gave
It contributed to a housing bubble, widened the wealth gap, and harmed our political system. During those periods, the bears complained about the same things: Microsoft Word - The Best Investment Advice George Soros Ever Gave.doc Author: ... View Document

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James Coghill BSc (Hons) MRICS Lansdowne House, West End
She has recently joined the Housing Investment and Consultancy team as a graduate trainee and will primarily be supporting the Development Services team. viability advice to clients for the disposal and acquisition of residential development land. ... Return Doc

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Gov. Scott: 'There's No Government Program That's Free'
Story by Jana Eschbach / CBS 12 News JUPITER, Fla. -- Governor Rick Scott traveled to Jupiter on Wednesday to announce 100 new jobs at a fast-growing Jupiter engineering firm, Parametric Solutions.  In the upcoming legislative session, Scott said he's focused on building up Florida manufacturing jobs by eliminating the tax barriers on companies who purchase equipment. ... Read News

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Financial And Investment Advice
Financial and Investment Advice Land and Business (Sale and Conveyancing) Act 1994 section 24B Land and Business (Sale and Conveyancing) Regulations 1995 regulation 16C Form R7. Title: Financial and Investment Advice.indd Author: pjdav Created Date: ... Visit Document

Housing Investment Advice Pictures

Insights February 2008
Affordable Housing Investment Opportunities for Banks Abstract: Over the past two decades, the Low-Income Housing Tax Credit (LIHTC) program has regulations, but does not constitute tax advice. Institutions should consult their tax advisors ... Fetch Document

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Housing And Mortgage Markets - Mortgage Bankers Association ...
Investment, legal or other professional advice for specific situations. Mortgage Bankers Association Housing and Mortgage Markets: An Analysis 5 During the Housing and Mortgage Markets: An Analysis Mortgage Bankers Association ... Read Document

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Shelter Response To CLG Consultation Local Decisions: A ...
We also campaign for new laws and policies – as well as more investment – to improve the lives of homeless and badly housed people, now and in the future. 3 3 shelter.org.uk social housing may look for advice and support to help them secure appropriate alternative ... Doc Viewer

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Robert Grundy BSc (Hons) MRICS Head Of Housing Investment And ...
Head of Housing Investment and Consultancy Lansdowne House, West End He provides management consultancy advice across the full range of housing activities including Strategy, Stock Transfer and Groups, Mergers and Acquisitions. ... Read More

Charles Schwab - YouTube
Member FDIC and an Equal Housing Lender. 43 videos Play all. Schwab Golf finances and financial responsibility and should not be considered an individualized recommendation or personalized investment advice. ... View Video

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A Guide For Federal-program Co-ops
PART OF THE 2020 VISION TOOLKIT FOR HOUSING CO-OPS Getting our house in order. Inside this guide plans to issue a model investment by-law, together with some advice on how to use it, that will help your co-op make sound investment choices. ... View This Document

Housing Benefit - Wikipedia, The Free Encyclopedia
Housing Benefit is a means tested social security benefit in the UK that is intended to help meet housing costs for rented accommodation. advice from Shelter; about benefits that one may be entitled to from the Department for Work and Pensions State benefits ... Read Article

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Clear Capital(R): Housing Recovery Set To Continue Throughout 2013
Clear Capital , the premium provider of data, collateral risk assessment, and real estate asset valuation and analytics, today released its Home Data Index™ Market Report with data through December 2012. ... Read News

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Dear Class Of 2015, - Yale MedStation
Off Campus Housing Advice for the Class of 2015 consider, or are looking for longer-term investment, then living off campus may be the way to go. Moving to a new city can be intimidating, though, and that is why we are here to help! ... Document Retrieval

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Housing Associations Need To Know - RBS M&IB - Home
Housing Associations Need to Know October 2011 What are UK housing associations? UK housing associations are not-for-profit , and/or any related transaction and no reliance may be placed on RBS for investment advice or recommendations of any sort. ... Access Doc