text:
Now that your account is funded and approved you can start trading. The information below will help you getting
started as a new customer of Interactive Brokers.
1. Your Money
Deposits & Withdrawals General Info. All transactions are administered through your secure Account Management
First, you create a deposit notification through your Account Management > Funding > Fund Transfers > Transaction Type: "Deposit" How to create a deposit notification. The second step is to instruct your Bank to do the wire transfer with the bank details provided in your Deposit Notification.
Create a withdrawal instruction via your secure Account Management > Funding > Fund Transfers > Transaction Type: "Withdrawals" How to create a withdrawal instruction
If you instruct a withdrawal over the Withdrawal limits, it will be considered an exceptional withdrawal and we will therefore need to match bank account holder and IB account. If destination bank account has been used for a deposit, withdrawal will be processed; otherwise, you must contact customer service and provide the documents needed.
Deposits: My bank sent the money but I do not see it credited into my IB account. Possible reasons:
a) A fund transfer takes 1-4 business days
b) A Deposit Notification is missing. You have to create it via your Account Management and send a ticket to Customer Service
c) Amending details are missing. Your name or IB account number is missing in the transfer details. You have to contact your bank and ask for the full amending details.
d) ACH initiated by IB is limited to 100k USD in a 7 business period. If you opened a Portfolio Margin account where the initial requirement is 110k, a wire deposit might be the better deposit option to reduce wait time for your first trade. If selecting ACH a wait time of almost 2 weeks or a temporary downgrade to RegT can be possible solutions.
Withdrawals: I have requested a withdrawal but I do not see the money credited to my bank account. Possible reasons:
a) A fund transfer takes 1-4 business days
b) Rejected. Over the max it can be withdrawn. Please check your account cash balance. Note that for regulatory requirements, when the funds are deposited, there is a 3 day holding period before they can be withdrawn.
c) Your bank returned the funds. Probably because receiving bank account and remitting bank account names do not match.
2. Configure your account to trade
Difference between Cash and Margin accounts: If you have chosen the FastTrack application, by default your account type is a cash account with US stock permission. If you would like to get leverage and trade on margin, here how to upgrade to a RegT Margin account
Trading Permissions
In order to be able to trade a particular asset class in a particular country, you need to get the trading permission for it via your Account Management. Please note that trading permissions are free. You might however be asked to sign risk
disclosures required by local regulatory authorities. How to Request Trading Permissions
Market Data
If you want to have market data in real-time for a particular product/exchange, you need to subscribe to a market data package charged by the exchange. How to subscribe to Market data
The Market data assistant will help you choose the right package. Please watch this Video explaining how it works.
Customers have the option to receive delayed market data for free by clicking the Free Delayed Data button from a non-subscribed ticker row.
Advisor Accounts
Have a look at the user guide getting started as advisors. Here you see how to create additional users to your advisor account and grant them access and much more.
3. How to trade
The Trader's University is the place to go when you want to learn how to use our Platforms. Here you will find our webinars, live and recorded in 10 languages and tours and documentation about our various Trading Platforms.
Trader Workstation (TWS)
Traders who require more sophisticated trading tools can use our market maker-designed Trader Workstation (TWS), which optimizes your trading speed and efficiency with an easy-to-use spreadsheet interface, support for more than 60 order types, task-specific trading tools for all trading styles, and real-time account balance and activity monitoring. Try the two models
TWS Mosaic: for intuitive usability, easy trading access, order management, watchlist, charts all in one window or
TWS Classic: the Advanced Order Management for traders who need more advanced tools and algos.
General Description and Information / Quick start guide / Usersguide
Interactive Tours: TWS Basics / TWS configuration / TWS Mosaic
How to place a trade: Video Classic TWS / Video Mosaic
Trading tools: General Description and Information / Users guide
Requirements: How to install Java for Windows / How to install Java for MAC / Port 4000 and 4001 needs to be open
Login TWS / Download TWS
Traders who prefer a clean and simple interface can use our HTML-based WebTrader, which makes it easy to view market data, submit orders, and monitor your account and executions. Use the latest WebTrader from every browser
Quick Start Guide / WebTrader User's Guide
Introduction: Video WebTrader
How to place a Trade: Video WebTrader
Login WebTrader
Our mobile solutions allow you to trade your IB account on the go. The mobileTWS for iOS and the mobileTWS for BlackBerry are custom-designed for these popular models, while the generic MobileTrader supports most other Smart phones.
General Description and Information
Order Types Order Types available and Description / Videos / Tour / Users guide
Paper Trading General Description and Information / How to get a Paper Trading Account
Once your paper account is created, you can share the market data of your real account with your paper trading account: Account Management > Manage Account > Settings > Paper trading
4. Trade all over the World
IB accounts are multi-currency accounts. Your account can hold different currencies at the same time, this allows you to trade multiple products around the world from a single account.
Base Currency
Your base currency determines the currency of translation for your statements and the currency used for determining margin requirements. Base currency is determined when you open an account. Customers may change their base currency at any time through Account Management.
We do not automatically convert currencies into your Base currency
Currency conversions must be done manually by the customer. In this video you can learn how to do a currency conversion.
In order to open a position denominated in a currency that you do not have in your account, you have two possibilities:
A) Currency conversion.
B) IB Margin Loan. (Not available for Cash Accounts)
Please see this course explaining the mechanics of a foreign transaction.
5. Five points to enrich your IB experience
1. Contract Search
Here you will find all our products, symbols and specifications.
2. IB Knowledge Base
The Knowledge Base is a repository of glossary terms, how-to articles, troubleshooting tips and guidelines designed to assist IB customers with the management of their IB accounts. Just enter in the search button what you are looking for and you will get the answer.
3. Account Management
As our trading platforms give you access to the markets, the Account Management grants you access to your IB account. Use Account Management to manage account-related tasks such as depositing or withdrawing funds, viewing your statements, modifying market data and news subscriptions, changing your trading permissions, and verifying or changing your personal information.
Log In Account Management / AM Quick Start Guide / AM Users Guide
4. Secure Login System
To provide you with the highest level of online security, Interactive Brokers has implemented a Secure Login System (SLS) through which access to your account is subject to two-factor authentication. Two-factor authentication serves to confirm your identity at the point of login using two security factors: 1) Something you know (your username and password combination); and 2) Something you have (an IB issued security device which generates a random, single-use security code). As both knowledge of your username/password and physical possession of the security device are required to login to your account, participation in the Secure Login System virtually eliminates the possibility of anyone other than you accessing your account.
How to Activate your Security Device / How to Obtain a Security Code Card / How to return Security device
In case you forgot your password or lost your security code card, please call us for immediate assistance.
5. Statements and Reports
Easy to view and customize, our statements and reports cover all aspects of your Interactive Brokers account. How to view an Activity Statement
As a matter of operational convenience and to assist with the preparation of IRS Form 8949 (Sales and Other Dispositions of Capital Assets) IB Prepares a Form 8949 worksheet in each of a PDF, CSV and TXF format on an annual basis. The TXF format allows you to import the information into Turbo Tax Standalone(CD/Download Version) but not the online version. Please click here for to visit our Turbo Tax FAQ's.
How to Import Form 8949 into TurboTax
1. Log into Account Management by going to https://www.interactivebrokers.com and select Login and then Account Management from the upper right hand section and enter username/password to log in.
2. Navigate to Reports, Tax and then select Tax Forms
3. Under Worksheet for Form 8949 section, select TurboTax TXF from the drop down menu and select View Report
4. A save dialog box will appear. Please select Save File and then OK.
5. Another dialog box will appear. Please select Desktop on the left and then Save. This will save your downloaded file to your desktop
6. Now that the file is downloaded please follow the directions below in Section C to import into TurboTax
Section B (Vertical menu on the left)
1. Log into Account Management by going to www.interactivebrokers.com and select Login and then Account Management from the upper right hand section and enter username/password to log in.
2. On the left please select Report Management and then Tax Forms
3. On the right under Worksheet for Form 8949 section, select TurboTax TXF from the drop down menu and select View Report
4. A save dialog box will appear. Please select Save File and then OK
5. Another dialog box will appear. Please select Desktop on the left and then Save. This will save your download file to your desktop
6. Now that the file is downloaded please follow the directions below in Section C to import TurboTax
Section C (Importing downloaded file into TurboTax)
1. Open TurboTax and navigate to File and select "From Accounting Software" under the Import option.
2. A new window will appear with a few options. Please select Other Financial Software (TXF file) and then Continue
3. On the next screen select Browse Files
4. A new window will appear. Please select Desktop on the left and then select the file you just saved on your desktop and then select Open.
5. A new window will appear with the name of the file. Select Import Now
6. On the next page you will see 1099-B (133). Make sure the box next to it is checked and then select Import Now
7. On the last page select Done and all your transactions will now be imported into TurboTax. If you need any additional help navigating TurboTax please contact them directly at http://turbotax.intuit.com/
IMPORTANT NOTE: This article has been customized for use by self-directed Individual Retirement Account (IRA) owners for information purposes only. Persons are encouraged to consult a qualified tax professional with the investments and elections within the IRA. IB does not provide tax advice. For detailed information regarding IRAs, you may consult the IRS Publication 590-A about IRA contributions and the IRS Publication 590-B about IRA distributions.
This resource center provides a central reference point for information concerning the various IRA account types offered by IB.
Important Notice - Select IRA Tax Reporting for key information with transaction and tax reporting in your IRA.
Account Management IRA Reference
Beneficiary Options
Recharacterizations from a Roth IRA
Required Minimum Distributions
IRS Circular 230 Notice: These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor.
Interactive Brokers allows you to send us a copy of a document even if you do not currently have access to a scanner. You can take a picture of the requested document with your smartphone.
Below you will find the instructions on how to take a picture and send it to IB per email with the fllowing smartphone operating systems:
Android (i.e. Samsung Galaxy, HTC One X, Sony Xperia, Motorola Droid)
Windows Phone (i.e. Nokia Lumia, HTC Titan, Samsung Focus)
If you already know how to do so, please consult the instructions about the information you will need to send us aside from the document picture. Click HERE - Where to send the email to and what to include in the subject.
1. Press the power button to turn your iPhone screen on. Tap, hold and slide upwards the
Camera icon on the bottom right of your screen then drag it upwards to access the Camera.
- If you do not have the Camera icon, you may access the Camera app from the home screen
of your iPhone.
2. Place your iPhone above the document and take the desired portion or page of the document
and tap on the Camera button (designated with 1 on the below illustration - Fig. 3) to take a
photo. Then you need to access the picture - tap the image in the lower left-hand corner (number 2 in the
3. Exit to the home screen by pressing the round Home button on the face of the iPhone.
4. Open the Photos app
5. Next, tap the album 'Camera Roll'. Make sure that the picture is clear and the document
is well legible, if it isn't, please repeat the previous two steps.
6. Touch once the picture to make the menus appear and tap the share icon
designated with 1 in the illustration below.
5. Select the first option - Email Photo. Please consult the following instructions for the next step - what address you should send the picture to and what else to include aside from the document, HERE.
Note: to send emails your phone has to be configured for that. Please contact your email
provider if you are not familiar with this procedure.
1. Open your applications list and start the camera app. Depending on your phone model, make or setup it might be called differently.
2. Place your phone over the document and take the desired portion or page of the document and
tap the icon for the camera. (The generic button will look like the one shown below.)
3. Press the Home key to go back to the idle screen. Go back to the apps list and start the Gallery
application. On some phones it may be called Pictures or Photos.
4. Open the album called Camera or All pictures. The last image in either of those should be the
document you just took a picture of. Tap the screen once to bring up the buttons and tap the share
icon, which generically should look as shown below.
5. In the sharing menu that will be displayed now tap on Email. Please consult the following instructions for the next step - what address you should send the picture to and what else to include aside from the document, HERE.
Note: to send emails your phone has to be configured for that. Please contact your email
provider if you are not familiar with this procedure.
Windows Phone
1. Press the camera button in the Desktop menu of Windows phone. (If you do
not see the camera in the desktop menu, please scroll to the right and choose
camera in the listed applications)
2. Take a picture by pressing the trigger button on the side of the phone.
3. Open the picture by scrolling to the left and press the '...' menu item
at the bottom task bar to see the available options.
4. Please choose send and the configured Email account you would like to use.
5. In the upcoming email, please add the destination email address, the
subject and the text you would like to send and press the 'Send email' button in
the bottom menu. Please consult the following instructions for the next step - what address you should send the picture to and what else to include aside from the document, HERE.
Note: to send emails your phone has to be configured for that. Please contact your email
provider if you are not familiar with this procedure.
The email has to be created observing the below instructions:
1. In the 'To:' field type...
a. email@example.com if your you are a resident of a non-European country
b. firstname.lastname@example.com if you are a European resident
2. The subject field must contain all of the below:
a. Your account number (it usually has the format Uxxxxxxx, where x are numbers) or your
b. The purpose of sending the document. Please use the below convention:
i. PoRes for a proof of residential address
ii. PID for a proof of identity
The regulation of securities and commodities products and brokers1 in the U.S. is administered by two distinct federal agencies, the Securities and Exchange Commission (SEC) for securities including stocks, ETFs, bonds, options and mutual funds and the Commodities Futures Trading Commission (CFTC) for commodities including futures and options on futures.2 While both agencies seek to safeguard customer assets by restricting their use and "segregating" them from assets of the broker, the regulations and manner in which they accomplish this differs. The following article provides a basic overview of two segregation models and additional considerations relating to IB accounts.
Differences between the CFTC and SEC segregation models originate largely from the products themselves, whose characteristics are fundamentally unique. Commodity products, by nature, do not involve an extension of credit by the broker to the customer as a futures contract is not an asset but rather a contingent liability which is marked-to-market and a long futures option, while an asset, must be paid for in-full. Consequently, non-option assets in a commodities account are generally comprised of funds deposited as margin to secure performance on the contracts therein. Since the broker may not use the funds of one customer to margin or guarantee the transactions of another, the commodities segregation requirement (CFTC Rules 1.20 – 1.30) is equal to the gross assets of all customers and the broker needs to add its own funds to segregation to cover customers whose net equity is in deficit.
A securities margin account, in contrast, can facilitate the extension of credit for the purpose of long securities (e.g., stocks, bonds) purchases or short securities sales on a secured basis. The segregation or reserve requirement rules recognize this through special provisions for the protection of each of the cash and securities components, further distinguishing fully-paid securities from those whose purchase the broker has financed and maintains a lien upon. Here, the broker must deposit into a separate bank account the net amount of customer cash balances3, in accordance with a formula set forth in SEC Rule 15c3-3. In addition, the broker must identify and segregate in a good control location (e.g., depository, bank) customer securities which meet the definition of "fully paid" or "excess margin".
The table below provides a comparison of the main principals of each model.
Separation of Customer Balances
|Commodity customer balances must be maintained separate from firm assets and cannot be used to finance proprietary business activities or to satisfy firm debts.
Funds used for trading on non-US commodity exchanges must be kept separate from those used for trading on U.S. exchanges (even for the same customer).
Commodity customer balances must also be maintained separate from securities customer balances (even for the same customer).
Securities customer balances must be maintained separate from firm assets and cannot be used to finance proprietary business activities or to satisfy firm debts.
Securities customer balances must also be maintained separate from commodity customer balances (even for the same customer).
Priority in the Event of Broker Default
|Commodity customers maintain priority and equal claim over assets in each of their respective U.S. segregated and non-U.S. secured pools.
No claim on assets in a commodity pool in which one is not a participant and no claim on securities customer assets.
If commodity segregated assets are insufficient to meet claims and broker is insolvent, customers share equally in shortfall and become general creditors for residual claims.
|Securities customers maintain priority and equal claim over assets.4
No claim on commodity segregated assets.
If securities segregated assets are insufficient to meet claims, broker is insolvent and claims exceed SPIC coverage, customers share equally in shortfall and become general creditors for residual claims.
|Segregation Style
Gross – the broker may not use the funds of one customer to margin or guarantee the transactions of another and must segregate assets in an amount at least equal to the sum of all customer credit balances.
|Net – broker may use customer cash credit balances to finance, on a secured basis, margin loans to other customers and may lend or pledge a portion of customer securities purchased on margin to other customers selling short.
|Investment of Cash Balances
Broker is allowed to reinvest commodity customer's cash balances and retain an interest in the income generated.
Permissible investments include: U.S. government securities, municipal securities, government sponsored enterprise securities, bank CDs, corporate obligations (commercial paper, notes and bonds) fully guaranteed as to principal and interest by the U.S. under the Temporary Liquidity Guarantee Program and money market mutual funds.Securities which are the subject of reinvestment must be maintained in a segregated account.
Broker is allowed to reinvest securities customer's cash balances and retain an interest in the income generated.
Permissible investments limited to "qualified securities" defined as securities which are guaranteed as to both interest and principal by the U.S. government.Securities which are the subject of reinvestment must be held in Special Reserve Bank Account (i.e., segregated).
|Computation Frequency
|Securities Investor Protection Corporation (SIPC) provides insurance of up to USD 500,000 with a cash sublimit of USD 250,000.
In addition to the safeguards afforded through segregation, IB employs a number of policies and practices which serve to enhance the safety and security of accounts beyond that outlined above. These include the following:
- IB computes its securities segregation or reserve requirement on a daily rather than weekly basis as allowed by regulation, thereby ensuring timely determination as to the amount required to be reserved and the deposit of funds necessary to satisfy the requirement.
- IB's does not avail itself of the generally more permissive rules with respect to the investment of commodity customer cash balances. These balances are instead invested in a manner similar to that of securities cash balances (i.e., U.S. government securities) with the exception of an occasional investment in money market funds.
- All customer securities positions are held in the securities segment of the Universal Account as opposed to the commodities (commodities margin met with cash and/or futures options), thereby limiting their hypothecation to the more restrictive rules of the SEC.
- In addition to SIPC coverage, IB maintains an excess SIPC policy with Lloyd's of London which, in aggregate with SIPC, offers insurance totaling $30 million (with a cash sublimit of $900,000), subject to an aggregate firm limit of $150 million.
- IB offers account holders the ability to sweep cash balances in excess of that required for margin purposes in either the securities or commodities segment to the other segment. Details as to this feature may be found in KB1851.
- For additional information regarding IB strength and security, please review the following website page.
Other Relevant Knowledge Base Articles:
Information Regarding SIPC Coverage
1The term broker as used in this article is intended to refer to an organization registered with both the SEC as a Broker-Dealer and the CFTC as a Futures Commission Merchant for the purpose of conducting customer transactions
2Single stock futures are a hybrid product jointly regulated by the SEC and CFTC and allowed to be carried in either account type.
3Including cash obtained through the use of customer securities such bank pledges or stock loans less cash required to finance customer transactions (e.g., stock borrows, customer fails to deliver of securities, or margin deposited for short option positions with OCC).
4Assets, or customer property, which securities customers share in proportion to their net equity claim, include cash, margin securities and fully-paid securities held in "street name". IB does not hold securities in the customer's name which are not considered bulk customer property.
If you are not a U.S. citizen or entity formed within the U.S. and have an account with Interactive Brokers, you are requested to declare your citizenship or country of formation with the US tax authority (IRS). This declaration can be done online by correctly filling out the W-8BEN form. Filling out this form is an easy process that only takes a few minutes. In the short movie below, we show you where to find the W-8BEN in your IB account management and how to fill it out.
If you fail to declare your foreign citizenship or country of formation, and IB does not have a valid W-8BEN form on file, you are presumed to be a US person/entity without a proper tax certification. As a US person/entity, you will be subject to backup withholding at a rate of 28% on interest, dividends, and substitute payments in lieu; as well as gross proceeds.
Every 3 years the IRS requires a re-certification of the W-8BEN form. IB will ask the beneficial account owner to re-certify their foreign status by re-signing the W8-BEN in order to continue their status as a foreign person and claim the tax treaty benefits. If you experience any problems or have questions regarding the W-8BEN form or how IB handles Non-US persons and entities, select this Tax Information and Reporting link and choose the tab Non-US Persons and Entities or consult the following IRS information page for more details: www.irs.gov/instructions/iw8/ch02.html
The Online Security Code Card provides you temporary access to your account and trading platform for a duration of 21 days. This is an ad-interim solution usually needed in those cases:
A. You are temporarily away from your permanent security device and you are waiting to regain access to it.
B. You have lost your permanent security device and you want to either request a replacement or maintain access to your account while waiting for the delivery to happen.
For the cases mentioned above, we assume you have already notified IBKR Client Services and obtained a Temporary Code, as explained in KB70. You can now extend the duration of your temporary access as follows:
1. Open your browser and go to the web page ibkr.com
2. Click on Login
6. Your Online Security Card will be displayed. Click on Print2
7. Please make sure the card has been printed correctly in all its parts and it is clearly readable. Then click on Continue
8. Two index numbers will appear on the activation screen. Locate the first index number on your card and enter the correspondent three digits code into the Card Values field. Then repeat the same operation for the second index number, leaving no spaces between the codes. Then click on Continue
9. You will see a confirmation message stating the expiration date of the card. Click on OK to finalize the procedure
1. If you use the Classic Account Management, click on the top menu Manage Account > Security > Secure Login System > Security Device
How to request trading permissions for IB U.K. Contracts for Difference (CFD's)
Q: Which accounts are eligible for linkage?
A: Eligible accounts include Independent individual and IRA accounts which have matching country and state of legal residence and account title.
Q: What are the benefits of linkage?
A: The principal benefits of linkage are ease of access and potential savings in market data subscription fees. Following linkage, all accounts will be accessed via a single User Name, password and SLS device. After login to the trading platform or Account Management you will be provided with a drop-down window for selecting the account you wish to trade or perform administrative tasks thereby eliminating the need to memorize multiple login information or maintain additional security devices.
In addition, as market data subscriptions are billed at a session level (i.e., User Name) and only a single TWS session can be viewed for any one user at a given time, account holders previously maintaining duplicate market data subscriptions for multiple accounts have the opportunity to consolidate those following linkage.
Q: If I link two accounts enrolled in SLS, are there any restrictions with respect to the security device which will remain following linkage?
A: Yes. In the case of a linkage request where the two accounts are SLS enrolled but maintain different devices, IB requires that the account holder retain the device having the highest protection rating as noted at the time of your request.
Q: What do I do with security devices which no longer are operable following linkage?
A: In the case of Security Code Cards, you may discard of the device once the linkage has been processed. For all other devices, you will need to return the device to IB to ensure that your account is not assessed a lost device fee. Click here for additional information regarding returning your device.
Q: Can I maintain multiple groups of linked accounts?
A: No. Once an account linkage has been requested and processed, all subsequent requests must be linked to that original grouping
Q: Can I unlink accounts which have already been linked?
A: No. Once a link has been established it is permanent and cannot be undone.
Q: Does linkage impact the calculation of Minimum Monthly Activity Fees?
A: Yes. IB will calculate the consolidated monthly commission generated across all linked accounts. If the consolidated commission exceeds the number of accounts multiplied by USD 10, the minimum activity fee will be waived. If the consolidated commissions are less than the required minimum, an activity fee is charged on an account-by-account basis. Please review the website for information regarding Minimum Monthly Activity Fees.
Q: Why has the linkage request which I submitted not been processed?
A: Linkage requests are automatically processed as of the close of business on the day submitted when accounts are SLS enrolled and the individual information on record identical (e.g. mailing address, telephone numbers, email address, etc.). If any of these conditions are not met, the linkage request will not be processed until SLS enrollment is complete and/or Compliance review of the information changes and any supporting documentation necessary to evidence the change has been received.
Q: Once linked, from which account will market data subscription fees be deducted?
A: Account holders are allowed to designate a billing account from which all market data fees may be deducted. We recommend that you select the account which generates the greatest level of commission activity if your subscription provides for fee waiver should your monthly commissions reach a minimum threshold (e.g., U.S. Securities & Commodities Market Data Bundle). IB will only look to the activity conducted in the billing account to determine waiver eligibility rather than aggregating the commission activity across all linked accounts. In selecting the billing account, consideration should also be given to selecting an account having the greatest level of equity as well as cash. This will minimize situations where the account has insufficient cash and the billing serves to increase the margin debit balance or where the account does not have margin permissions or maintains insufficient equity with loan value which, in both cases, will result in the liquidation of positions to cover the fees. IB will not act to automatically transfer cash across linked accounts to meet subscription obligations.
Q: If I link two accounts, will I have any restrictions on short sales?
A: Accounts owned by the same beneficial owner are considered in a consolidated manner when determining the ability to sell a stock short. If account A is long 100 shares and account B is short 100 shares, a new order to sell shares in either account A or account B will be considered a short sale, as overall the accounts hold a 0 position. The new sell order would be subject to any applicable locate requirements.
Statement and Year End Reporting for US persons and entities comprises the following:
1. Cost Basis: While the required reporting schedule was staggered, the primary cost basis that will be reported to the IRS includes equities bought and sold after December 31, 2010. This includes the adjusted cost basis resulting from wash sales and corporate actions.
The future phase-in period for broker reporting includes the assets sold on or after the following dates:
--- Mutual Funds and ETFS - 1/1/2012
--- Simple debt instruments (i.e. treasuries, fixed-rate bonds & municipal bonds) and options, - 1/1/2014
--- Other debt instruments - 1/1/2016
2. Tax Basis Method: Brokers are required to use the method first in, first out (FIFO), unless given other instructions by an investor. Changes to your tax basis method may be submitted through the Tax Optimizer. The Tax Optimizer is launched from within Account Management and is available for stock, option, bond, warrant and single-stock future trades.
IB offers multiple tax basis methods, including three basic options:
● First In, First Out (FIFO) - This is the default option. FIFO assumes that the oldest security in inventory is matched to the most recently sold security.
● Last In, First Out (LIFO) - LIFO assumes that the newest security acquired is sold first.
● Specific Lot - Lets you see all of your tax lots and closing trades, then manually match lots to trades. Specific Lot is not available as the Account Default Match Method.
Tax Optimizer also lets you select the following additional derivatives of the specific identification method.
● Highest Cost (HC), Maximize Long-Term Gain (MLTG), Maximize Long-Term Loss (MLTG), Maximize Short-Term Gain (MSTG), and Maximize Short-Term Loss(MSTL).
For complete instructions on using the Tax Optimizer and details on the lot-matching algorithms for each method, see the Tax Optimizer Users Guide.
Note: Changing your tax basis is effective immediately. The basis selected will be applied to all subsequent trades on the account statements and tax reports. Updates will not affect previously closed trades nor the TWS profit and loss data displayed.
3. Gain & Loss Categories: An additional requirement to the cost basis reporting is the capital gain or loss category. The gain or loss category of equities is determined by the length of time in which the security was held, known as the "holding period."
● Short-Term - Holding periods of one year or less are categorized as "short-term."
● Long-Term - Holding periods over one year are categorized as "long-term."
The following statements and reports display cost basis information that will be reported on Form 1099-B for eligible accounts.
For a complete review of the tax information and year end reporting available, click here.
Note: Unlike the Account Statements, the Gain & Loss Worksheet for Form 8949 may consolidate sell trades. The cost basis will be adjusted, as required for 1099-B reporting.
U.S. legislation from 2008 included new guidelines for tax reporting by U.S. financial institutions. Effective January 2011, U.S. Brokers are required to report cost basis on sold assets, whether or not a gain/loss is short-term (held one year or less) or long-term (held more than one year). U.S. brokerage firms, Interactive Brokers LLC (IB) included, implemented changes to comply with the legislation.
For more information on cost basis with asset transfers, see Cost Basis & Asset Transfers.
Disclaimer: IB does not provide tax advice. These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any international, federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor. We recommend that you consult a qualified tax adviser or refer to the U.S. Internal Revenue Service.


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Raimonds Ķeirāns Chairman of the Board
Mr. Keirans has a wide professional experience in the field of management, engineering and supervision of the construction processes. Currently he is employed as a Member of the Board of "EKOTEH BŪVE" , Ltd. and "TERMOLAT", Ltd. Mr. Keirans has participated in and managed numerous significant projects for private, state and municipal clients in different countries. More than 200 000 square meters of insulated walls and roofs as well as several high technology scientific greenhouses have been built under his guidance.
As a Chairman of the Board of Latvian Energy Efficiency Association, Mr. Keirans devotes significant effort to introduce the energy efficient technologies and increase certification and quality requirements in the field of energy efficiency.

subset: commoncrawl


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We place a great deal of trust in our doctors and hospitals, but when mistakes are made, you should speak with a medical malpractice lawyer to determine if you have a claim for damages. Medical training is notoriously long and arduous, and those who are able to complete it successfully and enter into medical practice are expected to be educated, focused, caring, and committed to the well-being and health of each patient for whom they are responsible. Most doctors and other healthcare professionals live up to the standards we expect of them. Most, but not all. Medical errors caused by physician negligence continue to deprive patients of their lives and health.
If you've been the victim or a medical mistake, contact our office today to schedule a free consultation and discuss your options and how our lawyers can help. Going through medical processes can be traumatic experiences. What's even more traumatic is coming out of the process worse off than you were before going in. There are many ways that a doctor or medical staff could err while diagnosing your symptoms or during the operation.
If you suspect that you have been a victim of medical malpractice do not hesitate to contact a Baltimore medical malpractice attorney.
Medical Error Statistics in Maryland
Medical errors are a frighteningly common cause of needless death and damage to patients' health. According to a recent study undertaken by the prestigious Johns Hopkins Medical Center:
- Medical errors kill at least 250,000 Americans every year.
- Ten percent of all deaths in the United States are caused by medical error.
- Medical error is now the third highest cause of death in the nation.
- Medical errors are an under-recognized cause of patient fatalities.
Furthermore, for every fatality caused by medical error, there are roughly two additional non-fatal errors, many of which seriously diminish the patient's quality of life.
|Medical Malpractice Payment
|Total Number of Reports
According to National Practitioner Data Bank in 2012 the amount of medical malpractice payments in Maryland was 302, but in 2016 the number went down to 226. However, the total number of reports from 2012 to 2016 went from 1,001 to 1,291. Even though the number of reports increased, the number of payments decreased.
However, do not be discouraged to speak up if you feel that you have been a victim of medical malpractice. An experienced attorney will stand by your side to fight for justice for you. And do not fear, you pay nothing up front until the outcome of your case is determined.
Who is Liable for Most Medical Errors?
A small number of doctors in the United States are responsible for the largest number of incidences of medical malpractice. According to statistics compiled by the National Practitioner Data Bank, a mere five percent of doctors commit 54 percent of all malpractice that results in a successful legal action and payout. Unfortunately, few of these repeat offenders are disciplined or prevented from practicing medicine, leaving patients vulnerable to their pattern of substandard care.
Obstetricians, surgeons, and orthopedists are the most frequent specialties facing medical malpractice lawsuits.
Defining Medical Malpractice in Maryland
Not every poor health outcome can be considered medical malpractice. People get sick and die; it is part of the human condition. Doctors are neither gods nor magicians. Even the best doctors can't cure everything.
But they are expected to deliver quality care, consistent with their training and the standards of their profession. And these requirements are for all medical treatments, including birth.
Every physician and other healthcare professional owes a duty of care to each and every patient they treat. This means delivering a standard of care that is consistent with that which would be given by any reasonably competent physician in the same practice area and geographical region.
A doctor or medical institution that does not deliver the appropriate standard of care can be held liable for the death or injury of a patient as a result of an error of commission of omission.
Common Types of Medical Errors
Common medical errors attributable to negligence include:
- Failure to diagnose
- Inaccurate diagnosis, e.g. diagnosing a heart attack as indigestion or meningitis as a migraine
- Medical Malpractice
- Plastic surgery malpractice
- Improper treatment
- The wrong drug prescribed
- The wrong drug is given to the wrong patient
- Prescribing multiple drugs that interact negatively
- Objects left in the body during surgery
- Wrong site surgery
- Anesthesia errors
- Failure to properly monitor a patient during surgery
- Failure to take a thorough medical history
- Failure to inform patient of known risks of a treatment or procedure and alternative treatments
- Errors in refractive eye surgery
- Improper use or maintenance of medical equipment
- Birth injuries such as Erbs palsy
- Medication errors such as drug overdoses
These are just some of the injuries that can qualify for medical malpractice suits. If you believe that you have been harmed as a result of a doctor's failure to provide his/her duty of care, you may have a case.
The Basis of Medical Malpractice Case
Medical malpractice cases are constructed around the theory of negligence, which involves failure to exercise reasonable care that a reasonable person would exercise in a similar situation. Negligence does not have to include an act but instead can also include an omission by a party. To satisfy medical malpractice standards, the deviation from the accepted standard of care must directly harm the patient. Additionally, to establish a successful medical malpractice claim, a victim must demonstrate that:
- They were owed a duty of care by a medical professional.
- The medical professional breached the duty of care that was owed.
- The breach of care directly harmed the patient.
- As a result of this breach of care, the patient was injured.
Proving Medical Malpractice in Maryland Lawsuits
Medical malpractice cases are notoriously complex and difficult. You must retain experienced and highly skilled legal counsel if you hope to win such a demanding legal action. Through your lawyer, you will need to prove five legal elements of a medical malpractice case:
- The practitioner, as a medical professional, owed a duty of care to the patient. In other words, a doctor/patient relationship existed.
- A breach of that duty occurred by commission or omission, i.e. something was done that should not have been done, or something that should have been done was not done.
- The breach of duty caused an injury to the patient, whether physical or emotional.
- The treatment deviated from the accepted standard of care in Maryland's medical community, i.e. what a competent professional in the same or similar specialization would or would not have done.
- You suffered demonstrable damages, whether economic or non-economic.
If any one of these elements is missing, you may not have a case. Furthermore, Maryland is one of a very few contributory negligence states, which means if you can be shown to be even one percent responsible for the poor outcome, you will not be able to receive compensation.
Requirements to File Medical Malpractice
In order to file medical malpractice, there is a process to be followed, you cannot just run into court and accuse a doctor of such a crime.
When filing a lawsuit in any Maryland Circuit Court, you or your attorney must file your claim with the Director of the Maryland Health Claims Arbitration Office.
After that, your attorney acting on behalf of you will have 90 days to file a certificate of merit written by a qualified medical expert. This process is used to ensure that the doctor you are suing truly has breached his duty of care, which harmed you.
Res Ipsa Loquitur
Res Ipsa Loquitor is a Latin for "the thing speaks for itself". In Maryland, this doctrine allows plaintiffs to bring lawsuits when the negligence is so obvious the injury could not have occurred without the defendant's negligence.
In order to prove such obvious negligence three elements must be proven:
- The injury is the kind that does not occur without negligence
- The defendant was in sole control of the instrument causing the negligence and,
- The injury was not caused by an act or lack of action by the plaintiff.
These types of cases are difficult to prove and rare to be brought under this theory. However, it is possible and good law in Maryland.
To discuss more on this doctrine and possible elements of proof for your case contact a Baltimore medical malpractice attorney.
Medical Malpractice and Signed Consent Forms
Oftentimes, before undergoing medical procedures you will sign an informed consent form. This form states that the doctor has explained the possible risks of the procedures and that you understand the risks but still want to complete the procedure.
Even if you signed one of these forms it may be possible to recover for medical malpractice. This does not mean that you can sue the doctor because one of the possible risks came true. Rather, you can pursue legal actions if the doctor failed to perform his or her duty within the standards of care.
So, even if you signed a consent form, do not hesitate to speak to an attorney. At the Law Offices of Randolph Rice, you can come in for a free consultation to discuss your medical malpractice case.
Prior to undergoing a medical procedure, a patient will be required to sign an informed consent document which states that the physician has explained the risks associated with the procedure and that the patient understands these various risks. A consent form, however, does not prohibit a person from pursuing a medical malpractice case.
Statute of Limitations in Malpractice Claims
Statutes of limitations are legal deadlines to file lawsuits. If the lawsuit is not filed within the statute of limitations then you will not be able to pursue the claim. In general, medical malpractice lawsuits must be filed within five years from the date of injury or three years from the date when the injury was reasonably discoverable.
If the lawsuit is in regard to minors, then the statute of limitations to file medical malpractice lawsuits does not begin to run until after the minor turns 18.
If you are filing a wrongful death lawsuit then the statute of limitations is again different. A wrongful death lawsuit is when a family member or loved one brings suit on behalf of the deceased who was injured.
The statute of limitations is three years from the date of death. Under wrongful death actions, the estate may sue for medical expenses and pain endured by the decedent or the loved ones may sue for pain and suffering caused by the loss of the decedent.
Damages You May Recover in a Maryland Medical Malpractice Case
There are three types of damages you may claim in an action for medical malpractice in Maryland:
- Economic damages, which include medical bills, rehab services, lost earnings and diminished future earning potential, projected future medical expenses, funeral expenses in wrongful death cases.
- Non-economic damages, which include physical pain and suffering, mental anguish, loss of quality of life, and loss of companionship, support, and guidance.
- Punitive damages, which are relatively rare but are sometimes awarded by a jury if the malpractice exhibited an extreme and egregious disregard for life and health, designed as a punishment for the defendant, rather than to compensate the victim for actual losses.
When determining the amount of damages that may be awarded a cap may be placed to limit how much can be recovered. If you are suing the State of Maryland government then there is a cap of $200,000 per claimant from a single accident. When determining how much to expect from your case, contact an experienced Baltimore malpractice attorney.
If a close family member died or if you or someone close to you suffered severe adverse consequences to your health as a result of receiving improper medical care, you may be able to recover money as compensation for your damages. It is essential that you engage the services of a Maryland medical malpractice attorney with detailed knowledge of Maryland's medical malpractice laws and experience in obtaining compensation awards.
How Do I Get Started with a Medical Malpractice Claim?
When you come in for your free consultation at the Law Offices of Randolph Rice we will determine if you have a case and if so, how likely you are to win. We will also walk you through what evidence will be needed to proceed with the case.
This oftentimes means that copies of medical records must be produced. Once these records and any other necessary evidence is produced an attorney will be able to gauge where your case may go. Many times, these medical malpractice cases settle outside of court.
An experienced attorney will be able to tell you whether the settlement offer is a good or bad offer. There are many factors that can weigh on the settlement offer especially the type and permanency of injury inflicted. Allow a Baltimore medical malpractice attorney to help you through the litigation process.
How Much Does a Medical Malpractice Lawyer Cost?
When you are dealing with significant injury or even death of a loved one, the last thing you need to worry about is how much it will cost to get justice for your loss.
At the Law Offices of Randolph Rice, you don't pay anything unless we win. The fee paid is based on a contingency fee, meaning you only pay a percentage of what the settlement or verdict is in the case.
Consult the Baltimore, Maryland Medical Malpractice Attorney Team at the Law Offices of Randolph Rice
You can find the skilled legal help you need by contacting the law offices of Baltimore medical malpractice attorney G. Randolph Rice to arrange a free case consultation.
Randolph Rice not only has the passion for justice and the commitment to achieving the best outcome for every one of his clients, he also has the resources and connections to engage top expert witnesses who are so necessary in developing a winning medical malpractice case.
Because of strict time restrictions on filing a medical malpractice case in Maryland, and a large amount of investigation and preparation that goes into a successful case, you should call the Law Offices of Randolph Rice as soon as you discover that you or your loved one may have been a victim of a preventable medical mistake. Don't delay; call now to schedule an appointment to learn more about your legal options.
Maryland Medical Malpractice Attorneys Ready to Talk
Many people place a great deal of trust in medical professionals. Medical treatment, however, requires a long and complicated process and there is always a risk that medical treatment might not be properly provided.
When medical malpractice errors occur, the lives of patients can be significantly impacted. Medical malpractice can occur from a variety of errors that occur during the administration of care. As a result, if you expect that you have been impacted by medical malpractice, do not hesitate to speak with a Maryland medical malpractice attorney.
What Constitutes Medical Malpractice?
Not every injury that results from the administration of medical care constitutes medical malpractice. There are risks associated with many medical procedures that can impact the lives of patients.
Medical professionals, however, are expected to deliver quality care to patients that is consistent with the medical treatment that would be provided by a reasonably competent physician in the same specialty and geographic area.
When medical providers fail to deliver care that meets this standard, they can be held liable for the death or injury of a patient.
Common Types of Medical Malpractice Errors
Some of the most common types of errors that constitute medical malpractice include:
- Anesthesia errors
- Birth related injuries
- Failure to diagnose
- Improper treatment
- Improper use of medical equipment
- Inaccurate diagnosis
- Cancer misdiagnosis
- Leaving objects inside a patient during surgery
- Not properly monitoring a patient during surgery
- Objects left in a person's body during surgery
- Prescribing the incorrect medication
- Prescribing multiple drugs that interact negatively
- Prescribing the wrong medication to the wrong patient
- Wrong site surgery
Types of Medical Malpractice Claims
Even though every medical malpractice case involves its own set of complications, some of the most common types of injuries include the following:
- Birth injuries
- Emergency room mistakes
- Failure to properly treat conditions
- Medication errors
- Misdiagnosis
- Post-surgical infections
- Surgical errors
- Emergency room errors
Each of these injuries has the potential to result in significant life complications for a patient. Victims of these accidents frequently face emotional and physical complications. People who experience these accidents can feel overwhelmed and uncertain about how to proceed, but one of the best steps to take is often to obtain the assistance of a seasoned medical malpractice attorney.
The Elements of a Medical Malpractice Case
Medical malpractice cases are often very complicated and involve a complex body of law. As a result, it is important that people who have been impacted by medical malpractice obtain the assistance of a Maryland medical malpractice attorney. To create a successful medical malpractice case, you must establish five elements which include the following:
- The medical provider must have owed a duty of care to the patient.
- A breach of the duty of care must have occurred due to the act or omission of the responsible party.
- This breach of duty must have caused an injury to the patient.
- The medical treatment in question must have deviated from the accepted standard of care.
- The patient must have suffered either economic or non-economic damages.
The Requirements to File a Medical Malpractice Case
To file medical malpractice, you must satisfy several steps. When filing a lawsuit, you must first file a claim with the Director of the Maryland Health Claims Arbitration Office. After this document is filed, you will have 90 days in which to file a certificate of merit that is written by a qualified medical expert. This process is important because it ensures that the medical professional you are suing has breached their duty of care.
The Role of Contributory Negligence in Maryland
The state of Maryland follows contributory negligence law. In accordance with this principle, if the victim is even one percent negligent in their ultimate injury then they will be able to recover any compensation from the party that committed medical malpractice. If you believe that your physician was negligent and failed to meet the appropriate standard of care, then you should not hesitate to contact a Maryland medical malpractice attorney.
What is Contributory Negligence
Maryland follows the theory of contributory negligence. Under this theory, if you, the plaintiff, are even one percent negligent in regards to the cause of the injury, you will not be able to recover.
This is different from the majority of other states that follow comparative negligence, which determines the amount of damages based on the percent each party was negligent.
When dealing with medical malpractice cases contributory negligence often does not play a role. This is because the plaintiff is often sitting on the operating table under anesthesia while the doctor completes the procedure.
If you believe that your doctor was negligent and did not meet the standard of care then you should immediately contact a Baltimore medical malpractice attorney.
White-Collar Malpractice
Another type of malpractice suit that malpractice attorneys can be approached with is negligence in the nature of professional or "white collar" instances.
These particular types of cases involve errors committed by employees in financial and/or accounting fields. This can range anywhere from stock brokers to insurance handlers. It can constitute as malpractice if any of these professionals' negligence or improper and faulty techniques result in financial distress for the client.
In these instances the hired attorneys must investigate all actions leading up to as well as the outcome and other possible outcomes of the case that may have been more favorable to the client.
They must also determine if the client has initial and substantial grounds to file suit. This can often times involves illegal practices on the part of the professionals being held liable.
For example, in cases involving insurance scams, the client would ideally provide physical documentation such as receipts, contracts and any other notarized paperwork that can contribute proof in the form of a paper trail and make it plausible for the attorney to follow up through as many outlets as they see fit.
Information About Class Action Lawsuits
In other cases of malpractice, actions required by attorneys can be way more extensive, complex and time consuming. Such an example would be a class action suit. A class action suit is a suit in which multiple parties who share a common interest either sue or are sued by another party.
Class action suits are convenient and beneficial instances where the number of litigants wishing to file suit is so large that reaching an agreement that satisfies all parties involved on an individual basis would not be practical. Therefore, attorneys must obtain court approval before proceedings may continue; clients will voice their concerns and opinions in terms of retribution and compensation, and malpractice attorneys will file accordingly on their behalf (commonly known as "seeking damages").
It is also imperative to consider any factors that may require long term assistance and or care for the plaintiffs. If this is the case, a method of long term compensation must be noted as a clause in the final draft of the agreement. Once approval is received, both parties must agree on the settlement amount and guidelines, such as how the settlement will be paid out (either in a lump sum or structured payments).
The attorneys handling the suit must also negotiate in meetings and arbitration as to an amount they will receive for their services. All these components must be achieved before the matter is confirmed a considered resolved.
Legal Fees in Malpractice Claims in Maryland
Attorneys can be compensated for their services in a couple of different ways. Typically with a malpractice suit, since financial compensation is normally the ultimate goal, the attorneys' office will receive the settlement check and deposit it into an escrow account.
Once all expenses are paid in regards to the case, the attorney will take their cut, which is typically agreed upon as a percentage of the total settlement. It is only after these crucial steps have been taken that the party will receive the remainder of the funds.
Malpractice attorneys can also be paid a service fee up front; however, this is not typical in a class action suit. Other types of malpractice suits, such as legal and "white collar" may draw this type of required action in certain cases.
It is the discretion of the attorney, as well as the attorney's firm to decide the manner in which payment will be received. This is a reason as to why most law firms and even private attorneys will offer a consultation for clients in order to allow them to decide if their particular services and methodology is a proper fit for their needs to be met.
In the event of a malpractice suit being deemed justified and fit for settlement or trial, the attorneys that are hired on have several esteemed duties to uphold on behalf of their clients. In this day and age, a firm's reputation is a huge consideration in handling cases.
Malpractice suits can become a matter of public record, and the internet is riddled with forum based sites in which clients can post reviews of the services and treatment they have received. Not only are the clients' well-being and satisfaction huge factors in any legal situation, but the reputation of the attorney as well as their firm hang in the balance of any and all cases they agree to take on.
Find the Best Medical Malpractice Lawyers in Maryland
Medical malpractice occurs when doctors fail to deliver the expected level of care. This means that not all medical treatment that results in a patient being injured constitutes medical malpractice. Instead, medical malpractice arises when a medical professional fails to deliver care in a manner that is consistent with medical professionals in the same field, specialty, and geographic region.
If you or a loved one has been harmed by medical malpractice, you likely have found yourself facing a very challenging situation. Some of the complications associated with medical malpractice cases include physical, financial, and emotional obstacles, for each of which a responsible party can be forced to pay compensation.
When medical malpractice does occur, an injured person is able to pursue methods of compensation and the assistance of a medical malpractice lawyer in Maryland can prove to be particularly helpful.


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2017 Kia Forte vs Honda Civic
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In the world of compact cars, the 2017 Kia Forte and Honda Civic come out on top, with their roomy cabins and efficient performance. These models are also big on technology, with all the latest smartphone features to keep you connected without distracting you from traffic. To find out whether you're more of a Forte or Civic person, check out our comparison guide.
2017 Kia Forte vs Honda Civic
Passenger Comfort
The Forte might be easy on your wallet, but, inside, it's never short on luxury. The cabin's high-quality materials and plush, supportive seating give you the royal treatment. You can even take your road trips and commutes to the next level with heated and cooled front seats with soft leather upholstery.
In the Honda Civic, you'll find another compact car with plenty of passenger space. The rear armrest supplies cupholders for your road-trip refreshments, and you can add leather upholstery for a bit of luxury. We just wish there were more upscale features available. If you want cooled seats or a heated steering wheel, go with the Forte.
In the Forte, you can cruise down the highway with maximum peace of mind. In government crash tests, this compact earned a perfect five-star rating for overall protection. With Uvo eSerivces, emergency features like roadside assistance and automatic collision notification are always at your service. When you add driver aids like blind-spot monitoring, you can stay extra vigilant – and out of harm's way.
The Honda Civic also earned top ratings in government crash tests. The standard rearview camera comes in handy when you're backing out of a narrow lane, displaying any obstacles in your path. There's just one issue – the forward collision warning system overdoes it with the vigilance, issuing a lot of meaningless warnings in heavy traffic.
Performance & Fuel Economy
The Honda Civic is a sporty contender. Its best-in-class power will get you up to speed in a snap. The Civic also impresses with its best-in-class fuel economy, earning up to 32 city/42 highway mpg – depending on which powertrain you select.
In the 2017 Kia Forte, fuel ratings are almost as good: you can earn up to 29/38 mpg. Its six-speed automatic transmission delivers a smooth-shifting performance, so you and your family members always enjoy a refined highway ride.
The Forte is your pick for modern smartphone integration. The Uvo infotainment interface includes a sleek, responsive 7-inch touchscreen interface, so you can sort through menus with minimal distraction from the road. Apple CarPlay and Android Auto display smartphone apps directly on the touchscreen, so there's no need to look down at your phone.
In the Honda Civic, you can also add Apple CarPlay and Android Auto for complete smartphone integration. You can even use voice controls to ask the HondaLink infotainment read your text messages aloud. However, compared to Uvo, the HondaLink touchscreen isn't as responsive. This can be frustrating when you're stuck in traffic.
Learn More about the Kia Forte
The 2017 Kia Forte is our first choice, because, with it, you're getting abundant luxury and modern technology at an excellent price. And that's just the beginning. The Forte is also fuel-efficient, keeping you from overspending at the pump, and offers a smooth, comfortable ride. Add a stellar safety record and plenty of interior room and the Forte is our winner here.


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Lets us pray to the Lord that He may fill us with the Holy Spirit that helped Daniel do all that was required of him to make his prayer worthy before God. For in our weakness and our unworthiness, the Holy Spirit himself intercedes for us and helps us also to intercede in way that God desires.
To anybody that will benefit from this prayer, he or she should depend and attach himself or herself on the Holy Spirit, because this prayer depends more on the revelations and knowledge of the Lord's secrets in our lives.
Daniel knew the promise of God towards his nation through reading the word of God. The word of God was his daily meal and it is from where he extracted himself the power which enabled him to self deny, fast and repent as the Holy Spirit guided him.
Again through the continuous reading of the word of God, Daniel was able to know and understand the mercy of God and Hid faithfulness, and this resulted into him trusting the Lord so much and humbling himself whenever he went before him especially during his prayers that were unceasing until his prayer request would be achieved.
Daniel, just like many other outstanding people of God, they were not given to only deliver God's message to us, but also to learn from them the way they related with the Lord. They were ordinary people like we are, they went through what we are going through, they were tested like we are tested today, that is why we need to take time to learn from them; in the same way being helped by the Holy Spirit through the word of God, that we may overcome as they too overcame.
This prayer is not solely upon imitating what Daniel did that w may do the same too, it is instead more about seeking the eyes of the Lord who promised us every good thing, so that he may fulfill all that he promised.
Let us not go before the Lord for our pains and our self desires only but let us stand before the Lord for all our brothers and sisters; those of our blood line, those of our family and those of our clan. Let us see ourselves as a tree:
When you combine all these parts, you get a complete tree, this is what we want to bring before the Lord. We realized that your prayer of self interest is too small and therefore yields nothing much, however, the prayer that expands and spreads to even the requests of others, is very powerful because the Lord helps those that are kind to find mercy always where ever they are.
The main intention of this prayer is to ask God help us over all that is binding our blessings, that they may be unbound in a way that he desires; this prayer is there to set loose all the. impossible, all that bound us as a clan; as a family, and then all of us from one clan we be able live again In the blessings of our great grand parents that existed before, and the same may reproduce more blessings, for we are not children of curse but we are children of blessings only, as it was promised through our great grandparent Abrahim.
Because what we are praying for is very' important, our prayer then should be longer for at least twenty one (21) days — May be God will also pardon us as He had mercy upon Daniel, he answered him and took away the stumbling block that was in his way of message (God's promise)
It is advisable that one reads all the book of Daniel, then you will be able to go into this prayer very well, and you will be able to know the secrets of God as it happened to Daniel and so he found favor before the Lord in an extra ordinary way.
This prayer of Daniel is not upon praying to God for our petitions only, but also to change our all life — to a life Father in you, let us be one again Ike one worthy of
God's blessings — therefore, who so ever takes it very well, would get such benefits below;
When you read in the book of Daniel 9:1—3, you realize that Daniel understood very well the scriptures and all that was promised as were given in the prophecy of prophet Jeremiah, later that is why he started this prayer; you too,, read carefully in this first week..
Jer.25: 1—12
For they had disobeyed the Lord, they had done many bad things, he warned them several times but they paid no attention —he then made use of the nonbeliever kings to destroy them and those that remained, to be taken into imprisonment.
When you pay serious attention towards our great grand parents of every blood line or family, you realize that they disobeyed God, through witchcraft and through many other occasions, they were not concerned and so God used the nonbeliever kings (these are the sicknesses — curses – bad habits — Satan of all kinds, e.t.c) that take us into imprisonment of suffering in any painful way, including what is making you cry today.
Therefore, the first week is for repentance and to pray to God for forgiveness
Even in these times you make yourself Holy Matrimonial family and when they are destroyed completely, in place of this Holy Mathmonial family develops a non believing family:
When people get married in Holy Matrimony, it does not take long time after that man gets another woman – he abandons both his wife and children with no help – sadly, even where the man runs to, he leaves and goes to another woman — in this way he is looking for where he can get peace — where he can get free services. And he leaves all these women; he remembers where he started from hence rotating here 'and there.
Most people that break other homes are the people who operate by the devil's ways – they look and make all the witchcrafts that can separate the husband and wife hence the devil takes control – today, many people abandon God that they may worship in the life where God does not exist at all!
Our great grand parents used to Worship trees and animals, but today we worship; money, Titles, and Leaderships many of us abandoned God so as to achieve what we want – therefore we are now aliens for who so ever leaves God joins the world of aliens but the one with God is the one who is at home.
Let the scriptures below help you every day for you to have a daily prayer that you say where more emphasis in your prayer: Read one reading every day from the following scriptures; and end with the prayer of Daniel (Daniel 9:4-19)
(i) Psalms 51
(ii) Psalms 32 (iii) Isaiah 53:1 – 2
(iv) Mathew 26: 1. —75
(v) Mathew 27: 1—66
(vi) Mark 14: 1 —72
(vii) Daniel 9:20—27
In this first week, just like Daniel, your prayer must go along with fasting, at least two days, but in a way that you can manage and still have some thing that you self deny in for your sins and the sins of your people.
For those that can not read the word (scriptures) take the rosary and the way of the cross every day for seven days.
The important objective here is to fight sin:
Your prayer now should come from your head (brain) – by recalling all that you suffered in — again it must come from your heart as you desire to see all your people corning back to the Lord.
We read in Daniel 9:3
He set his face towards the Lord God, to seek by prayer and supplications — This week is for serious intercession so that God may deliver us from the bondages of sin
For those who can manage, spend at least one hour every day before the Holy Sacrament of Eucharist, (Even if they have not exposed the Lord, as long as he is in the Tabernacle, it is enough).
Do not mind even if you are not feeling anything — what is important is to be with him at least one hour (Mark 14:37)
By the time you complete the week; the Lord will have performed and done many wonderful things in you. For Him the Lord alone can deliver you from the bondages of bad habits resting in our lives.
In case you fail to do the above, attend the group prayers, of praise, worship and deliverance in such extra-ordinary places that you know. (At Bukalango such prayers are always there on; Wednesdays, Fridays and Sundays).
In this week also, fast and choose some thing that you deny yourself the whole week; it may be visiting, partying, fur or pleasure — you may fight one habit that you know is overpowering you.
In the name of Jesus Christ, we repent and break from all Satan's ways of — Witchcraft and all paganism ways – that we or our Family tree members have ever attended.
Oh Savior Jesus, forgive us and our Family tree members, all the times that we abandoned you and went to Satan. We too Oh Lord forgive every body among us that has ever participated In all witchcraft, We ask you Lord to heal and deliver us and our parents, also cleanse us from all that came from trusting the useless things of the world.
Oh Lord of authority, renew our vows of Baptism, let your parental hand be upon us all, give us the Holy Spirit – to help us that we may serve you diligently In this life that we may all come into the everlasting life.
O Lord, you Lord of Mercy, heal us fro the wounds of our hearts, and break us away from all the chains Where the devil tied us in sins and we sinned (us and our great grand parents).
We beg you for forgiveness Oh Lord — on behalf of all our Family tree members that sinned and hurt others — those that committed Suicide or in any other ways, even those that carried out abortions — Oh Lord take away from us all these curses that are still following us even up to now.
Into your hands Oh Lord, we surrender all those that past away through. committing suicide or as they were aborted from the wombs of their mothers, or as they died through Motor accidents and also in any other bad way of death.
In the good name of Jesus — and In the power of His blood, together with the power of the cross — I break away from every curse all agreements – all witchcraft — and every dangerous ways and weapons of Satan — that he imparted on me or that I imparted by my own on myself — and unto all our people. I break all the wrong pledges that I have ever done knowingly or unknowingly or pledges that other people made on my behalf — I destroy all in the unfailing power of the blood of Jesus Christ.
Oh Lord Jesus, God & Merry — you know the reason why the enemy is attacking us – deliver us and rescue us from witchcraft — trusting in the unworthy things of the world – plus all other ways that lead us into loosing your love.
Lord you who delivers those in bondage and give them freedom — In your Holy name cover us with your precious blood — deliver us Lord from every evil spirit that we may have received from fornication — from witchcraft — and from drunkardness and from all other bad habits – in your Holy name cover us with your precious blood – deliver us Lord.
Lord separate the enemy from our life – get him out of our life arid throw him far away — cover us in your precious blood — deliver us Lord.
Father God of authority — in the name of Jesus — we ask you to win this battle — we believe in your power — we praise your kingdom * we magnify your name and your authority – we believe In you to do this job – for our redemption and those that we pray for deliver us Oh Lord — stop now the enemy that fights us — let your kingdom come in us — and take way from us always our enemies— as you abide n us always let your glory manifest in us Oh Lord — we ask this In the name of your Son Jesus Christ. Amen.
The important objective here is the supplication for God to pardon us for our sins and to forgive completely every one that has ever trespassed against us especially those from our Family tree.
Let us read carefully Daniel 10:1-21
This is the prayer of our secret — in order for you to understand its importance, let me bring you a historical testimony from India.
There was one place in India with fierce animals especially leopards and lions, A man of God was taking the Lord unto the sick, and when his vehicle collapsed, he decided to walk to the place where he was going — while on his was, he reached a certain place and felt like loosing hair from his head. When he tried to concentrate, he saw a lion nearby the way he was moving in, it was facing across where there was an animal It wanted to chase, SC) whatever was happening in the way was none of its business. This man of God in his capacity fainted that he even lost strength to leave the place where he was and he was very unconscious that time. Later he felt like a hand pushing him through the back with a lot of force and then his toes got loose, and the hand went on pushing
him by force until he was able to pass by the lion without the lion noticing him passing over, when he reached the other side, he saw that he had by passed the lion and he gave thanks to the Lord he was holding.
You too, ask the Lord to push you that you may by problems, sickness etc – that whatever had tied break just like that of Daniel when the Angel of the Lord came and threw away the devil, then the message reached Daniel.
Complete with our prayer of delivering our family together with the prayer of asking for blessings day you find more touching to your heart, there put A PRAYEROF DELIVERING OURFAMILYTREE
Begin with the renewal of baptism vows – say the prayer of (Apostles' Creed) — I believe in God the Father Almighty……
Now take this prayer slowly
Father God in heaven I come before you like your that you love so much, t have my petitions paining very much — those of flesh and those of the spirit also all my life that concern all my family tree members plus all mine that resulted from my bad habits — my unseriousness and my sinfulness — in all this I pray humbly that Father forgive me.
I again ask you to forgive me all the sins of my great grand parents that died especially all that they did which is still following me and some of these bad habits still controlling my life — Oh Lord heal me with your right hand arid deliver me in all.
Gracious Lord, I also forgive every body especially those alive and dead in my family tree— and in particular those that did me wrong intentionally and those that I refer to as my friends—and whatever resulted into the suffering that I am going through right now,
In the good name of Jesus, and in the power of the Holy Spirit, I ask you to deliver me and all my family – get me out of the hands of the enemy– fill every member of my family with new life and with the power of faith in you for the love you have for me, Father God of Heaven — On behalf of my brothers and my parents; those alive and the dead, deliver us from every situation that originated from our great grand parents and may you prevent all the bad Habits that follow us ahead of where we are heading to.
In the world of Spirit– I plant and place in the middle of all my problems the cross that destroyed Satan and in the middle of every past and present generation, here I pray that Jesus pours upon us his blood that cleanses, that this blood may cleanse us both the living and the dead — without leaving out any body send us Angel Raphael who is the head of all healing, that he may fill. every member of our Family tree with the power of healing everywhere and in all ways such as; being lame— epilepsy insanity — let your power of healing every time flow upon us the living and the dead.
Send us your angels to protect us, to guide us, to heal us, and to help us in every request.
In our Family tree Oh Lord, take away every thing that is binding us in every situation — and restore a bond between us and you our God and even us, let us be bound together.
By the power of the Holy Spirit and the power of Christ Jesus your living Son, – we ask you to renew our Family tree blessings and every good thing towards every member of our Family Tree. We ask all this in the name of our Lord Jesus Christ. Amen.
It would be good for you to finish this prayer together with your brethren or in deliverance prayers:
Sunday September 19th ' Saturday September 25th
Sunday September 26th — Saturday October 2fld
Sunday October 3rd — Sunday October 1Ot
Father God in the name of your Son Jesus our Savior and in the power of the Holy Spirit — we ask you Father that you change all the curses and bondages of Satan that he imparted on us due to our mistakes and the bad ways of life of our great grand parents. Father, change them into blessings and victory. And the blessings that Satan had turned into curses, or destroying them, hiding them in inaccessible places — renew them in our lives Oh Lord.
Make us powerful and brave in your love even more than how our great grand parents were, Bless our Family tree and grant us your oneness even though we all do not think the same way.
Oh Lord, renew our blessings — do not let your anger be on us all the time.
Give us new life and blessings that we your children may be able to intercede to you always -' show us Oh Lord your endless Love and your help always.
Father God, I attack all the evil Spirits of Satan that change my blessings, my miracles and my victory into curses and failures.
I denounce, bind, and throw Satan wherever he is to the cross of Jesus – and I command all my blessings of my great grand parents to restart flowing towards me like a river of fresh water.
Because it was written in the book of Deuteronomy 28:8 that:
The Lord shall command the blessing upon you in you store houses, and in all that you set your hands upon — Father command your blessings to fall upon my life — and grant a blessing upon the works of my hands.
In the good name of our Lord Jesus Christ. Amen.


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Improve your Hearing. Improve your Life
- Hearing loss is the #1 disability in the world but also the most preventable
- A hearing aid is the second most widely used assistive technology device after the walking cane
- 28 million Americans have some form of hearing loss
- Hearing loss is the third most common health problem in the U.S.
- 3 out of 100 school children are affected by hearing impairment that can lead to educational and social concerns
- A mild hearing loss can cause a child to miss as much as 50% classroom discussion
- 65% of people with hearing loss are under age 65, about 30-35% of adults between the ages of 65-75 years have a hearing loss and 40-50% of people 75 and older have a hearing loss
- Noise is one of the leading causes of hearing loss
- 60% of the inductees in the Rock and Roll Hall of Fame have hearing loss
- Listening to a personal listening device (mp3 player, headphones, etc.) at high volumes over time can cause permanent damage to hearing
- Tinnitus affects millions of Americans every year and can be the first sign of a hearing loss
- Tinnitus is sometimes the first sign of hearing loss and 90% of tinnitus cases occur with hearing loss
- Dizziness, vertigo and imbalance are the second most common complaints heard in the doctor's office
- NHI reports that dizziness will occur in 70% of the population at some point in their lived
- NHI reports that balance issues account for the 50% of accidental deaths in the population over 65
- NHI further reports that nearly 300,000 hip fractures and 3 billion dollars in medical expenses are due to balance-related falls
The above statistics were compiled from the following websties:
- www.wi-shhh.org/hearing_loss_statistics.htm
- www.nicd.nih.gov/health/hearing
- www.dizzy.com
- www.betterhearing.org
- https://www.nidcd.nih.gov/health/hearing/Pages/tinnitus.aspx
- www.chchearing.org
- www.hearing healthfoundation.org
- https://www.webmd.com/a-to-z-guides/hearing-loss-causes-symptoms-treatment
- Notice difficulty in understanding conversations?
- Need increased volume for TV or radio?
- Avoid work or social situations because it is too difficult to hear and understand?
- Experience dizziness, ear pain or head noises?
Many individuals with any of the above concerns would significantly benefit from a complete hearing evaluation. Call today for an appointment at 231-775-9398 or 877-775-9398.


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Aluminium signs
Aluminium signs can be manufactured to almost any shape and size, embossed in several layers, and digitally printed with fine detail to produce an accurate photorealistic look. Perfect for outdoor use, they're so light they can even be used for direct mailing campaigns.
Irregular shaped aluminium signs
Our graphic design and production capabilities aren't just limited to regular rectangular shapes; we're also capable of producing aluminium signs in almost every possible profile imaginable.
Doming & embossing of aluminium signs
Doming and embossing give an attractive raised appearance to aluminium signs as standard.
Aluminium signs with photorealistic motifs
Modern offset printing techniques allow us to print every possible motif onto aluminium signs, including complicated colouring patterns, gradations, and shading.
Gold & silver colours on aluminium signs
The attractiveness of our aluminium signs can be enhanced even further with supplementary applications of special gold and silver colours.
Aluminium signs with holes, handles and mounts
Aluminium signs are usually produced with 4 holes for hanging, but if these holes would spoil the motif, we can attach various types of hidden handles, hooks, or mounts to the back instead.
Self-standing aluminium signs and stands
Easily attached cardboard or metal rear stands enable the aluminium signs to be placed on bars, shelves, or in display cases.
Write on aluminum signs
With no varnish our aluminum signs are easily written on with erasable, multicolored soft chalks.
Individualization of aluminium signs
For orders of more than 50 aluminium signs we can offer you the option of individual customization, where each one can have not only different text, but also a whole new motif.
Aluminium signboards
Thanks to their resistance to adverse weather, aluminium signs are perfect for outdoor advertising and stylish signage outside shops and distribution centres.
Decorative packaging of aluminium signs
Special occasions call for special care, so let us pack each aluminium sign into decorative or solid cardboard boxes, making it easier for you to mail them.


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Full on professional service, helped me choose to get what I wanted within my price budjet (from signs to posters, flyer, business cards and workwear) they worked with me to ensure I got the best deal to start up. Fully Recommend


text: Many Countries Sink or Swim on Commodity Prices —and on Orders from China August 12, 2016 5:00am by Guest Author Spread the wealth. twitter facebook linkedin What's been said: Discussions found on the web: Read this next.July 4, 2016 Global credit risk: world, country and industry factorsSeptember 14, 2016 Bubbles, Credit, and Their ConsequencesMay 4, 2016 Price drift before U.S. macroeconomic news: private information about public announcements? Posted Under Think Tank Previous Post Why Britain Joined the European Union Next Post 2002 Mercedes CLK GTR Roadster


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Internet2 News
Internet2 and GlobalNOC Sign New Agreement
On behalf of Internet2 and Indiana University, we are pleased to inform you that on March 15 Indiana University and Internet2 executed a contract between Internet2 and the GlobalNOC that continues the long-standing operational and strategic relationship that assures exemplary support for the Internet2 Network.
Following overarching principles derived from the Operations Excellence Community Steering Team report, the teams from Internet2 and GlobalNOC have developed what we believe is a fully modernized agreement that includes better definition of services, measurable outcomes and appropriate success metrics.
The initial term of the agreement is 3.5 years commencing on July 1, 2017 and, unless terminated by either party, will automatically renew for two successive one-year terms.
We would like to extend our sincere thanks to Steve Fleagle, Pankaj Shah and Steve Corbato whose work on behalf of the community in supporting the work of the negotiating team was invaluable. Our thanks as well to Rob Vietzke, Dave Jent, Alison Ferreira, Jon-Paul Herron, and Chris Wilkinson. This team put in long hours to assure the success of this process.
We are pleased and gratified to have achieved this very important step forward and thank you all for your feedback and patience throughout this process. Please reach out to either of us if you have any questions whatsoever.
—Dave Lambert, Internet2 and Brad Wheeler, Indiana University
Focus on TIER Security
The March TIER Newsletter features a focus on TIER Security by Klara Jelinkova, CIO at Rice University and TIER Community Investor Council Chair, and an overview of "Adding Multifactor Authentication to Federation," by Tom Barton, University of Chicago. This newsletter also includes updates on each of the TIER working group activities and ways to get involved.
Universities Work Together To Transform Dentistry Systems
Leveraging Internet2 NET+, collaborators from the Universities of Michigan, North Carolina and Pittsburgh selected ICE Health Systems to develop a unique cloud-based offering meeting the complex needs of dental education, clinical care and research.
Community Working Groups Creating Draft National Infrastructure Requirements
Get a first glimpse of the themes being discussed by working groups as they develop a first draft of requirements for the next national R&E networking infrastructure.
First in NY: Stony Brook Connected at 100G
Stony Brook University is the first higher education institution in New York State to offer a 100G connection to the NYSERNet network—and through it to the Internet2 Network. The new connection gives Stony Brook research an infrastructure that "matches its aspirations."
Blog Posts
Internet2 DDoS Mitigation Update
In this post you'll learn the current status of the Security Working Group's DDoS-related activities, and plan now to attend the DDoS Mitigation Update session at the 2017 Internet2 Global Summit on April 26 at 3:00pm ET.
Globally Connecting Science, Research & Education
That's the vision for the Internet2 Global Network Architecture. Find out how the GNA Technical Working Group is fleshing out this vision through guidelines for exchange points, reference architecture operations and a number of other topics. You'll also find an interactive map, as well as white papers on virtualization, information architecture and the Commons.
Global Summit Trust and Identity Preview
Check out this guided tour of all things Trust and Identity at the 2017 Global Summit, including highlighted sessions and a full schedule.
Don't miss these other recent posts:
- Network Architecture, Operations and Policy Program Advisory Group (NAOPpag) Update
- Trust and Identity Overview: March 2017
- Chief Innovation Office (CINO) Update
- Campus Cloud Security Shared Assessments Follow-up
- Cisco Cloudlock Now Available through Internet2 NET+ Program
Read ALL the Internet2 News on our website!
Community News
Dropbox Education Now Available to Internet2 Members
As announced in early March, Dropbox, the popular file storage and collaboration platform, is available to Internet2 member universities across the country. The Internet2 NET+ peer-driven validation process will ensure the Dropbox Education offering is easier to adopt, optimized for the academic enterprise, and available under the most favorable commercial terms.
CENIC Award Goes to Women in IT Networking at SC
CENIC has presented the 2017 Innovations in Networking Award to the Women in IT Networking at SC (WINS) program in recognition of the program's work to expand the diversity of the SCinet volunteer staff (SCinet is the world class network built from scratch for each year's Supercomputing Conference) and to provide professional development opportunities to highly qualified women in the field of networking.
Nebraska Public Libraries Participate in IMLS-Internet2 Pilot to Assess Rural Library Broadband
Read how Internet2 is partnering with the Nebraska Library Commission and Network Nebraska to pilot the IMLS-funded Broadband Toolkit. The pilot will leverage both the technology capabilities gained through the Library Broadband Builds Nebraska Communities BTOP grant, and the broadband and E-Rate expertise of Network Nebraska.
Maas to Receive Lifetime Achievement Award
Congratulations to University of Wisconsin–Madison CIO and Vice Provost for Information Technology Bruce Maas, who received Fusion CEO-CIO 2017 Lifetime Achievement Award for 42 years serving higher education IT in Wisconsin and worldwide.
Internet2 Community Supports Simultaneous SXSW Video Streams
On March 13 at South by Southwest in Austin, Texas, multiple video streams from Tokyo artists were extracted in real-time and transported synchronously in various media formats over an Advanced Layer 2 Service Internet2 Network connection, then dynamically projected on double-sided transparent screens using NTT Japan's Kirari! technologies.
To manage your Internet2 email preferences, please visit the Email Preferences Center.
Don't receive the TIER newsletter or Cloud Highlights? Consider signing up.


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Dell Technologies is a combination of seven technology leaders with one common goal: to ensure our customers keep pace with digital innovation to accelerate their own success. As a hybrid of digital experts, we deliver real results for customers across a spectrum of industries.
Dell Technologies is committed to diversity and inclusion not only because it's the right thing to do but because it's core to our business imperative. We embrace differences that drive innovative solutions for our customers, making us a market leader.
Dell Technologies has 13 employee resource groups (ERGs) that span across the globe and contribute to shaping our culture and making a positive impact on our business.
Our ERGs connect team members around areas such as gender, ethnicity, sexual orientation and backgrounds. ERGs are communities that provide opportunities for personal and professional development through mentoring, volunteerism, networking, leadership development and community involvement. All groups are open to anyone who wants to participate.
To learn more about our opportunities visit: https://jobs.delltechnologies.com/


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Forest Beer Garden
The popular long-running beer garden just a few minutes from JR Shinanomachi station opens up for its summer season! Offering various all-you-can-eat, all-you-can-drink and a la carte menus, visitors can quench their thirst from a selection of beverages including draft and craft beers, wine, cocktails, and soft drinks. Meat lovers will be satisfied with a choice of BBQ and Genghis Khan (grilled lamb). Reservations for 2 or more people can be made up to two months in advance and are recommended if you will be visiting at a busy time, with a large group, or want the all-you-can-eat-course.
Check out the website for more details and advance booking discounts.