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Source: http://www.legaldebthelponline.com/2012/05/18/read-on-debt-consolidation-how-it-works/
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Earlier we wrote about why the Kyle Bass Japan trade was misguided, and we cited some unconfirmed numbers from ValueWalk, indicating that his Japan Macro Opportunities Master Fund had lost a staggering 29% in April.
A reader has sent us a copy of his performance update May 3.
From the report...
JMOMF Tranche H
January 2012 -7.89%
February 2012 +6.84%
March 2012 +2.13%
April 2012 -29.32%
Year to date 2012 -28.96%
Inception to date -60.77%
Click here for more on Kyle Bass's bad trade >
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In a huge upset, and in dramatic fashion, Chelsea came from behind to tie Bayern Munich 1-1 in regulation time and then won The Champions League final 4-3 on penalty kicks.
Bayern dominated the match with 56% of the possession time and 20 corner kicks. But after Bayern finally broke through in the 83rd minute, Didier Drogba returned the favor, heading home the equalizer in the 88th minute on Chelsea's first corner of the match.
The match went to extra time where Chelsea survived another scare, this time a foul on Drogba in the box giving Bayern a penalty kick. But Petr Cech made the save and the match went on to penalty kicks.
Again Chelsea fell behind after Juan Mata missed the first PK attempt. But after Bayern missed their fourth and fifth tries, Drogba went to the spot with a chance to give Chelsea their first Champions League Cup, and he delivered.
Here's the final goal...
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May 19 (Bloomberg) -- Morgan Stanley, the lead underwriter in Facebook Inc.’s initial public offering, stands to take a hit from a stock market debut that stoked disappointment among investors in the largest social network.
The bank stepped in to prop up the stock from dipping below its $38 IPO price yesterday, said people with knowledge of the matter, who asked not to be identified because the purchases were private. Morgan Stanley, based in New York, was the only underwriter among Facebook’s 33 banks with the responsibility to support the shares, the people said.
Underwriters “are acting like the cavalry to keep this thing going up,” Eric Jackson, founder of Ironfire Capital LLC, said in an interview on Bloomberg Television’s “Street Smart.” “They’re not going to be here a week from now, two weeks from now, a few months from now. It does suggest that there are going to be some rocky waters ahead.”
Days before the sale, Facebook and Morgan Stanley decided to bump the offering price range to one with $36 as a midpoint to persuade the company’s backers to sell more of their stock, one of the people said. Facebook and the bankers knew pre-IPO investors were willing to sell more, though not at the initial midpoint range of $31.50 a share, the person said. Goldman Sachs Group Inc. and Accel Partners were among backers that decided to sell additional shares in the IPO.
The IPO price, at the top of the increased range, prevented a first-day pop in the shares, which advanced 23 cents to $38.23 yesterday.
“It does indicate that investors are conscious of the risk, that the revenue model is still unproven, that operating costs are high and rising,” said Brian Wieser, an analyst at Pivotal Research Group LLC with a $30 price target on Facebook. “Those factors are weighing on the investors. The stock is greatly overvalued.”
The debut was also marred by glitches at the Nasdaq Stock Market, where initial pricing of the first transaction was pushed back by a half-hour amid delays in trade confirmations, crossed quotes and signs that orders were mishandled.
Facebook executives and bankers met on May 17 to discuss the final IPO price, people familiar with the matter said. Among the underwriters, Morgan Stanley was the main bank handling pricing, the people said. Some co-managers of the offering advised Morgan Stanley against expanding the sale and price range because their clients’ demand didn’t support the move, two people said.
Pen Pendleton, a spokesman for Morgan Stanley, declined to comment. Jonathan Thaw, a spokesman for Menlo Park-based Facebook, declined to comment.
Facebook raised $16 billion in the IPO selling 421.2 million shares on May 17, valuing the company at $104.2 billion. The offering price gave Facebook a market capitalization almost double the $60 billion United Parcel Service Inc., previously the biggest company to complete an IPO, was valued at when it went public in 1999, according to data compiled by Bloomberg and Dealogic.
That means Facebook bankers will split about $176 million for managing the social-networking company’s initial public offering after accepting a lower-than-average fee of about 1.1 percent. The biggest share of IPO fees typically goes to the lead underwriter on the deal, though the cost of propping up the stock in the first day of trading could potentially outweigh any underwriting fees generated from the sale.
Dan Simkowitz, Morgan Stanley’s chairman of global capital markets, was one of the main bankers on the offering, said a person familiar with the matter. He also helped run General Motors Co.’s 2010 IPO that raised $18.1 billion.
Michael Grimes, global co-head of technology investment banking at Morgan Stanley, also played a key role. He introduced Facebook executives to investors at a lunch meeting last week in Palo Alto, California, part of a road show to pitch the deal to prospective buyers. Grimes became acquainted with Facebook Chief Operating Officer Sheryl Sandberg when he handled the IPO for Google Inc., her former employer. He meets regularly with investors in search of the next promising startup and is an avid consumer of his clients’ products.
Sandberg recused herself from picking bankers for Facebook’s IPO because she had relationships with several banks from her previous job at Google, one person said.
Facebook Chief Financial Officer David Ebersman was the point person on the deal, starting with the selection of the lead bankers, one person said. Sandberg and Chief Executive Officer Mark Zuckerberg were involved in major decisions throughout the process, the person said.
The performance may hurt the entire IPO market in the short term, people said. Some technology companies considering initial offerings are readjusting timing and valuations based on the day’s events, one of the people said.
“I know a bubble when I see one,” Bill Gross, Pacific Investment Management Co.’s co-chief investment officer, wrote about Facebook in a posting on Twitter.
--With assistance from Ari Levy, Brian Womack and Douglas Macmillan in San Francisco, and Sarah Frier and Michael J. Moore in New York. Editors: Jennifer Sondag, Tom Giles
To contact the reporters on this story: Serena Saitto in New York at ssaitto@bloomberg.net; Jeffrey McCracken in New York at jmccracken3@bloomberg.net
To contact the editor responsible for this story: Tom Giles at tgiles5@bloomberg.net
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Investment adviser Mark Matson's firm manages more than $3 billion for thousands of investors, and he's a big believer in coaching those clients in the art of prudent financial planning.But the CEO of Matson Money isn't doing the majority of that advising to people facing him across a mahogany desk or in a wainscoted boardroom at his Mason, Ohio, offices. He's spreading his message on Facebook, Twitter and LiveStream.
Matson is part of a growing trend, one that may make the age-old gripe that financial advisers aren't responsive enough a thing of the past: High-net-worth investors are increasingly connecting with their money managers on social media.
"Today's investor is inundated with so many messages from Wall Street pundits and it's most important for them to understand that prudent investing is rarely the message being offered," Matson said. "That is why each week I employ social media to explain complex investing issues with solid, down-to-earth values that simply make sense."
What Investors Want
Yes, a lot of investors may have put money into a certain lavishly-hyped IPO stock Friday, but plenty of them see Facebook less as a "buy" than as an investing tool.
They have recognized that there's a lot more to do on Facebook than just "liking" pictures of your friend's new baby or tending your livestock in Farmville.
Some 5 million affluent investors use social media to research financial decisions, according to a report by Cogent Research in partnership with LinkedIn. Of those, 73% use LinkedIn, 53% use topic-specific discussion boards and 26% use some combination of Facebook, Google+ and Twitter.
The most serious investors tend to be independent-minded: 79% of investors with over $5 million in investible assets do their own investment research, according to the survey. But that doesn't mean they want to disengage from the conversation and investment chatter. In fact, it's just the opposite.
"With high-net-worth investors, we see a clear indication that they are looking for advice, and counsel, and news online-real-time information," said Jonathan Lister, LinkedIn's VP of North American Sales and Marketing Solutions. "They're really craving this information."
And social media can provide that information with a degree of transparency, in real-time.
"The more money they had, the more they used financial advisers," Lister said. "They would like to be better advised and want more timely content online. People want more communication. High net worth investors are going to more sources to validate a lot of their assumptions."
"We like to meet with people three times a year and I think that's a wonderful thing, but I'm very excited about how transparent the industry has become," Fulton said. "In 1981, it was like jumping into pudding. I think younger people are going to be involved online at the time they aggregate a substantial sum of money."
Even though only 4% of investors currently interact with financial advisers through social media, 52% would be up for the opportunity, according to the Cogent Survey.
Financial Advisers Get More Social
To accommodate this change, financial advisers are ramping up their social media presence. Three out of four use social media for business and by 2013, more than 50% expect it to play a significant role in their marketing, according to a survey by FTI Consulting and LinkedIn. Of those, 91% used LinkedIn, 32% used Facebook, 28% used Google+ and 22% used Twitter.
Ted Jenkin, who owns oXYGen Financial, an Alpharetta, Ga., financial services company that focuses on a Gen X and Gen Y clientele, is intensively online. His company's Facebook page has 11,000 subscribers, and he's using Pinterest and StumbleUpon as " lead generators." He routinely posts content on oXYGen's Facebook page to give personalized financial advice. He's also gone mobile, using the iZigg Mobile 90210 platform to send text updates and mobile videos to his clients.
Jenkin may gravitate toward hipper sites, but it's LinkedIn that most financial planners flock to, with 83% of advisers who use it doing so for business. On Facebook, by contrast, that number is only 29%. Advisers who prospected on LinkedIn achieved a 62% success rate, with 32% of those gaining $1 million in new assets, according to FTI Consulting.
"I think people look much more seriously at LinkedIn as a 'business' site and Facebook as a 'personal' site," Jenkin said. "However, I believe that Facebook is becoming a more widely accepted method now to ask your personal community for help on finding referrals, best deals or other ideas from people that you can personally trust. Today, you are seeing more conversations around banking relationships being bandied about on Facebook, and you are beginning to see more discussions on individual companies that are both product and stock related."
Neal Frankle, a CFP for 28 years, has been on Blogspot for three years. He's used his blog to cement relationships with existing clients and meet new ones, and uses Twitter and Facebook to republish his posts.
"Twitter was very helpful at first to connect with the personal finance community, but later became a huge time-waster," he said. "Now that I have my community, we connect on private forums."
Despite some of the skepticism he harbors for social media, Frankle views it as an important component of the advising business. He thinks that Facebook and Twitter should "mainly be a support apparatus rather than the main marketing focus" -- a place where people can learn more about you. He focuses on his blog, rather than on more superficial social network interactions.
The New Challenges
Of course, there are darker sides to social media's intersection with the investing world. The capacity of such viral platforms to be used by the unscrupulous to hype investments or spread false information about companies is almost boundless.
And the question of how FINRA regulations will apply on sites like Facebook and Twitter is something that Jenkin calls "a little tricky."
"The predominate number of broker dealers in this industry will not allow you in any way, shape or form to get into a discussion on specific stocks [online], even if you have disclaimers that you don't own them or do own them," he said. "They won't even let you have discussions around specific mutual funds or ETFs."
Industry regulator FINRA is having a difficult time so far dealing with the Pandora's box social networks have opened, and compliance management software hasn't caught up with the magnitude of the issues either.
That leaves advisers walking a fine line.
"You must be very careful as a professional not to violate strict advertising rules governing the profession," Frankle said. "That's why I only use my blog to talk about general finance issues rather than provide investment advice."
But even in erring on the side of caution, executives in corner offices are taking part in this social media revolution.
"[Chief officers] are the most engaged members of LinkedIn," Lister said. "C-level investors are the most connected on LinkedIn."
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When "Battleship" docks in theaters Thursday evening, it does so with the endorsement and cooperation of the U.S. Navy.
The aliens in the Universal Pictures blockbuster may be CGI creations, but the massive battle cruisers that lend the film its name are the real McCoy.
Likewise, many of the sailors shown launching missiles and barking orders are enlisted servicemen, while destroyers like the John Paul Jones and the aircraft carrier Ronald Reagan, both featured prominently in the film, get to strut their stuff for the cameras.
Producer Sarah Aubrey told TheWrap that the $209 million film version of the popular board game could not have been made without the participation of the Navy. Although much of the footage of the ship's bridge was done on a Louisiana soundstage, Aubrey estimates that roughly 50 percent of the shots in the film used real naval locations.
"If the Navy had not been partners in this film, there's no way we could have pulled this off," she said. "We made this movie because we wanted to showcase the modern Navy, which is a Navy that has not been seen in a film before. The real people on the ships, you can't take your eyes off of them, and these enormous ships just look so cinematic on the open ocean."
Also read: 'Battleship' Review: Sheer Adrenaline Keeps Dopey Action Epic Afloat
Getting the Navy's seal of approval took some doing. The armed forces branch receives about a half dozen requests for participation on Hollywood productions annually but only allows access to productions that it believes represent the Navy in a positive light.
In this case, a movie that showed naval officers heroically taking the battle to villainous extraterrestrials was just the ticket.
The $209 million film version of the popular board game could not have been made without the participation of the Navy. — Producer, Sarah Aubrey
"The Navy is portrayed very well," Bob Anderson, Director of the Navy Office of Information West, told TheWrap. "Our sailors are shown, not knuckling under, but performing with great mental acuity to fight back against overwhelming odds and laying down their lives when necessary."
Also read: 'Prometheus' Secrets Revealed: 5 Things We Now Know
So happy is the Navy with its starring role in one of the summer's biggest action films that it has been touting "Battleship" in recruitment ads it runs in cinemas and featuring promotional content from the film on its YouTube channel and Facebook pages.
But an endorsement from the Navy might not have come if the film's villain hailed from the Middle East or another of the world's perpetual hotspots.
"By choosing to have the enemy be aliens, that way we didn't run into any political hurdles about having the U.S. Navy portrayed as fighting another modern navy," Aubrey said. "When we put ships in a fictionalized situation, we removed that potential problem."
To get approval, Aubrey says the filmmakers sought input from the Navy on the script, making changes where officers told them that the plot misrepresented procedures. One area of concern, Aubrey said, was that star Taylor Kitsch, who plays a senior weapons officer, not seem too youthful for his position.
They were not shy about telling us that it was important that he be [the] right age for the job that he held," Aubrey said.
Even the film's more fantastical elements had to have a veneer of realism to pass muster. When Navy ships encounter an identified object from space in the film, the film depicts the seamen following protocol -- a warning horn is sounded, a vessel is sent out to investigate, all before any combat takes place.
Aubrey said that central to enlisting the Navy's trust was the relationship that director Peter Berg had developed with the armed forces from his work on the 2007 terrorist thriller "The Kingdom" and from research he had done on a proposed film version of "Lone Survivor," a memoir by ambushed Navy SEAL Marcus Luttrell.
It didn't hurt, Aubrey said, that Berg's father was an amateur naval historian.
"We were pre-vetted for them," she said. "We'd already met a large number of people, some of the admirals, and we really got to understand how the Navy works. We had established a comfort level with them."
Also read: 'Dark Knight Rises' Trailer Reactions: Occupy Wall Street Comparisons, Fanboy Euphoria
Beyond ensuring accuracy and conveying the purity of their intentions, the filmmakers had to tailor their shooting schedule around the availability of the aircraft and ships. They were allowed, for instance, to film maritime exercises taking place at the Pacific Rim and take footage of carrier jets being launched, but only because those activities were already taking place.
The filmmakers sought input from the Navy on the script, making changes where officers told them that the plot misrepresented procedures — Producer, Sarah Aubrey
If the filmmakers need something extra and unscheduled, Anderson said that the Navy charges a set rate for any equipment or staged naval activities. Likewise, the servicemen and women are paid for their work in the film, he adds, but they are only allowed to participate during leave or liberty time.
"Battleship" arrives after the Navy has been more or less on cinematic dry dock. Anderson said that even though the Navy has worked with television shows like "NCIS" and "Hawaii Five-O," requests for access from movie makers have tapered off in recent years.
"With the wars in Iraq and Afghanistan most of the movies have been about ground wars," Anderson said.
That could change if "Battleship" is a hit, and it could even goose recruiting. Anderson said it was difficult to prove statistically if a prominent film role for the Navy encouraged more people to enlist, but did say that there had been a spike after "Top Gun" was released in 1986.
"We just hope that a lot of people see the movie and think that it's neat and that maybe that inspires them to check us out and see what we're all about," Anderson said.
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