Podcasts about rm1

Yen rallies on rate hike bets as equity markets swing; One-off property tax rebate in 2025 for owner-occupiers to soften cost-of-living pains; Nam Cheong jumps 19.2% after RM1.2 billion in contract wins. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day's market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Recording engineer: Chai Pei Chieh Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party's products and services. Please consult professional advisors for independent advice.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

In Budget 2025, the government allocated RM2.6 billion to the Communications Ministry and RM1.3 billion to the Digital Ministry for a range of initiatives, including improving access to the internet. So how do telcos fit into this mix, especially as our country looks to advance its digital economy? For more perspectives, we speak with Suresh Sidhu, CEO of EdgePoint Infrastructure.Brought to you by Mah Sing. Reinvent Spaces. Enhance Life.Image Credit: shutterstock.com

Budget 2025 saw a RM1 billion sovereign fund for the electrical and electronics sector and high-value activities as well as training funds allocated for several universities, to support local players in the semiconductor industry. Andrew Chan, Director, at the Malaysia Semiconductor Industry Association (MSIA) tells us how much the sector might benefit from these funds and schemes.Brought to you by Mah Sing. Reinvent Spaces. Enhance Life.Image Credit: shutterstock.com

Budget 2025 allocated RM45.3 billion to the Health Ministry, nearly 10% more than the previous year. Among the items mentioned in the Budget included an increase in on-call allowance for medical and dental officers, a hike in the sugar-sweetened beverage tax, along more than RM1.5 billion ringgit to upgrade infrastructure and facilities. Dr Farhan Rusli, Fellow for the Institute of Research and Development of Policy, a think tank based out of Kuala Lumpur, shares his thoughts.Brought to you by Mah Sing. Reinvent Spaces. Enhance Life.Image Credit: shutterstock.com

The digital creative industry in Malaysia is flourishing, making some RM6.3 billion ringgit in revenue in 2022 and attracting RM1.6 billion in investments. What kind of policies would further advance the industry in the age of A.I. and amid fierce competition? Irwan Junaidy, Co-founder & Chief Creative Officer of The R&D Studio, discusses the future potential and innovative trends shaping this vibrant market.Image Credit: shutterstock.com

The Malaysia Digital Economy Corporation (MDEC) foresees local e-commerce revenue achieving RM1.65 trillion by 2025. This is supported by Shopee's latest data indicating that Gen Zs prefer to shop online versus at physical stores. Ganesh Kumar Bangah, an advisor and former chairman of the National Tech Association of Malaysia (PIKOM), shares his insights.Image Credit: freepik.com

Founded in April 2023, Notti Pet Food is a local pet food brand that wants to elevate pet kibble and recently secured RM2.4 million in seed funding from venture capital firms 500 Global and First Move to accelerate its mission.The company crossed RM1 million in revenue in 6 months and is on track to hit RM2 million in revenue for its first year in business. With aims to hit 8-figures in revenue in the next 2 years, Notti will be focused on accelerating growth through new products and further market expansion into the Philippines and Singapore.At present, the company produces slow-baked kibble, using human-grade meat alongside fruits, vegetables, probiotics, and prebiotics., and is in over 100 pet shops, mostly in Malaysia, but with a minor presence in Singapore, Hong Kong, and the Philippines.Today, we'll dive into the origins of Notti Pet Food, from its inception just over a year ago to Ke Yee's ambitions for the future now that she's secured RM2.4 million in seed funding, which all kind of started from a LinkedIn comment.

By 2030, Malaysia is expected to transition into an ageing society, with individuals above age 60 and older to make up 15% of the population, and this is a business opportunity that multiple businesses are looking to address, and Sukha is a new contender in the ring.Starting back in December 2022, Sukha Golden Sanctuary initially focused on specialised support to elderly individuals with dementia and other cognitive impairments. Today the company says it has a Retirement Clubhouse concept and positions itself as focusing on holistic well-being and having a community-based care model, which we will flesh out further in the show.To expand their services and set up the Sukha Senior Resort in PJ New Town, Sukha is trying to raise between RM3.6 million and RM6 million by offering up to 16.7% of the company via equity crowdfunding on PitchIn. This fundraise values the company at RM30 million. So, on top of exploring this fundraising exercise, we will dive into the story behind Sukha Golden's inception and their positioning in the senior living industry, as well as the company's growth trajectory and projected pathway to a RM1 billion IPO in 6-10 years time.

Connecting SMEs to investors, Capsphere claims that it sets itself apart from other similar players because each loan is asset-backed, or secured by an asset. Founded in 2016, the company targets businesses that have been in operations for over 1 year, with assets that can be used to secure the loan such as industrial equipment or even contracts.Last financial year the firm generated RM355,000 in revenue on the back around RM6 million in new loans disbursed over 88 loan/notes. Looking ahead, the P2P financing platform aims to double revenue in FY2024 and again in FY2025, taking it to RM1.4 million, where it currently projects it will get to profitability.In this episode of Open For Business, we dive into this venture's origins and whether this model has enough of a differentiation in the P2P financing space to thrive. We'll also dive into some of those targets and how they're going to achieve them, as well as other ambitions ahead.

MyNews Holdings Berhad saw a second consecutive profitable quarter with a net profit of RM1.27 million for the first quarter ended January 31, 2024. Group CEO, Dang Tai Luk shares with Philip See if the group will continue to deliver strong earnings, and the ROI timeline for its CU mart brand.

The Rainmakers wants to make property investing more accessible to retail investors, helping them get a fractional slice of property ownership without the typical financial strains that come with property investing.Having raised RM620,000 in pre-seed capital, The Rainmakers are trying to raise a seed round of RM1.2 million at a pre-money valuation of RM 6 million through equity crowdfunding platform Leet Capital. They're offering 16.67% of the company and the post-money valuation is expected to be RM7.2 million.In this episode of Open For Business, we will delve into why The Rainmakers is raising these new funds, the motivations behind Kelv's ambitions to make property investing more accessible, and how they're going to make this business model work.Note: At the top of the fundraising page is a disclaimer that reads:G Gen Labs Sdn Bhd engages in securities-related activities and is required to obtain a license from the Securities Commission (SC). Failure to secure this license may adversely affect their business operations. Please note that Leet Capital and its affiliated companies cannot assure or guarantee that G Gen Labs Sdn Bhd will ultimately obtain the required license from the Securities Commission of Malaysia.

In 2023 alone, investments in robotics soared to $12.9 billion, underscoring the promising outlook for the global autonomous mobile robots industry and DF Automation looks primed to ride this wave and is currently raising funds to do so. Founded in 2012, Johor-based DF Automation specialises in producing Autonomous Mobile Robot and Automated Guided Vehicle solutions with clear objectives: Optimise workflow, enhance productivity, and slash operational costs.This year marks DF Automation's 12th year in the industry to support their growth ambitions, they are offering between 3.6% to 9% of the company to raise between RM3 million and RM8 million on equity crowdfunding platform pitchIN. This follows a RM3 million raise on the platform back in 2019. As of 14th of February, they have achieved 43% of the funding target, valued at RM1,285,716. We speak to Dr Yeong Che Fai, the Chairman and Co-founder of DF Automation & Robotics to get a better understanding of the value and potential of the robotics industry, and their origins and ambitions, as well as plans for the funds they are currently raising.

Founded in 2017, WORQ is currently present in 7 locations across the Klang Valley and an additional unique location at Perhentian Island, with more in the works, given the potential they see in the industry.WORQ is currently on track to triple its space under management to 450,000 sq ft by 2025 and has ambitious plans to expand its space under management to a sizable 3 million sq ft by 2030.The company started with RM1.5 million in revenue in 2017, made RM17 million last year, and is aiming for RM25 million in 2024, and on the back of 80% revenue growth and mid-teen net profit margins last year, WORQ announced in October that it raised an undisclosed pre-series B backed by 14 follow-on investors including global asset management firm PhillipCapital and the Leong family of Mah Sing Group Bhd.Looking ahead, to support its ambition, WORQ is targeting to raise RM40 million in its Series B funding round.We speak with CEO Stephanie Ping and CFO Andrew Yeow, to get a better understanding of how they've profitability navigated the last 7 years in the coworking landscape despite the downfall of WeWork, how WORQ has partnered with property players and developers to grow, and what the path ahead looks like for the Space-As-A-Service model as the aim to become the Amazon Web Services of office space.

Sumbangan Asas Rahmah disalur mulai hari ini, naik hingga RM1,200 Umur 16-30 tahun paling ramai maut kemalangan motosikal Sukar untuk diterima, tapi perlu akur tahap Harimau Malaya ketika ini Zionis musnahkan seribu masjid di Gaza sejak serangan Oktober lalu

Sumbangan Asas Rahmah disalur mulai hari ini, naik hingga RM1,200 Umur 16-30 tahun paling ramai maut kemalangan motosikal Sukar untuk diterima, tapi perlu akur tahap Harimau Malaya ketika ini Zionis musnahkan seribu masjid di Gaza sejak serangan Oktober lalu

On this episode of Resource Centre, we zero in on the crucial topic of cybersecurity in the business world.With the Malaysian government's RM1.8 billion initiative for the Malaysia Cyber Security Strategy (MCSS) 2020-2024, the urgency is clear. We discuss alarming statistics from Cyber Security Malaysia and a Cyber Risk Index report, underscoring the rampant cyber threats faced by organisations. We also highlight the role of leading educational institutes in training business leaders for cybersecurity proficiency.Join cybersecurity experts Danny Kim, Founder & CTO of FullArmor Corporation, and Jenko Hwong, Principal Threat Researcher at Netskope, to learn why cybersecurity knowledge is vital for business strategy and organisational safety.Tune in to explore how leaders can navigate and protect their companies from evolving cyber risks.

Pelarasan tarif air baharu dijangka membabitkan kenaikan caj bil dalam julat antara RM1.60 hingga RM8 bagi setiap kediaman atau lima hingga 27 sen sehari bagi penggunaan isi rumah sebanyak 20 meter padu sebulan. Sejauh pelarasan tarif ini mendorong kepada amalan penggunaan air yang bijak sekali gus dapat meminimumkan bil mereka? Prof. Dr. Zulkifli Yusop, Felo Kanan Pusat Kelestarian Alam Sekitar dan Sekuriti Air Universiti Teknologi Malaysia (UTM)

前不久政府宣布调涨电费，如今税费的调涨也跟着出炉了。国家水务委员会（SPAN）宣布，从2月1 日起，大马半岛和纳闽联邦直辖区的家庭用户将根据水费制定机制 (TSM) 调整水费，即每立方米会平均调涨22仙。根据计算，每一户家庭每个月可能会上涨RM1.60-RM8。 水费调涨是不是会导致水务公司的成本上升？他们有没有这个能力控制成本，保持盈利水平？ 今日分析师：Tradeview资本基金经理 佳满 主持人：Kelly 凯莉 #CITYPlus #FM106 #水费调涨 YTLPOWER

Pelarasan tarif air baharu dijangka membabitkan kenaikan caj bil dalam julat antara RM1.60 hingga RM8 bagi setiap kediaman atau lima hingga 27 sen sehari bagi penggunaan isi rumah sebanyak 20 meter padu sebulan. Sejauh pelarasan tarif ini mendorong kepada amalan penggunaan air yang bijak sekali gus dapat meminimumkan bil mereka? Prof. Dr. Zulkifli Yusop, Felo Kanan Pusat Kelestarian Alam Sekitar dan Sekuriti Air Universiti Teknologi Malaysia (UTM)

Antara fokus Awani Pagi bersama Afiezy Azaman & Nursyazwani Saiful Sham;

Bagaimanapun, Perdana Menteri berkata hutang negara yang meningkat sekitar RM1.5 trilion ketika ini memerlukan kerajaan memberi keutamaan kepada perbelanjaan yang berhemah, dan memastikan semua sektor mendapat dana yang mencukupi. Diskusi bersama  Profesor Emeritus Datuk Dr. Raduan Che Rose Presiden, Majlis Profesor Negara (MPN).

Bagaimanapun, Perdana Menteri berkata hutang negara yang meningkat sekitar RM1.5 trilion ketika ini memerlukan kerajaan memberi keutamaan kepada perbelanjaan yang berhemah, dan memastikan semua sektor mendapat dana yang mencukupi. Diskusi bersama  Profesor Emeritus Datuk Dr. Raduan Che Rose Presiden, Majlis Profesor Negara (MPN).

Rm1:12; 2Co1:3-7 The Comfort of Faith

#AWANI745 bersama Jasmine Abu Bakar; 1. Malaysia bidas Amerika guna kuasa veto tolak gencatan senjata di Gaza 2. Sambutan menggalakkan, setahun bersama kerajaan Madani diperluas ke seluruh negara 3. Lebih 30,000 kes scam online, kerugian RM1.3 bilion direkod tahun ini 4. Jojo bagi pukulan KO, 36 saat tumbangkan juara Muay Thai antarabangsa AWANI 7:45, featured, Jasmine Abu Bakar,

#AWANI745 bersama Jasmine Abu Bakar; 1. Malaysia bidas Amerika guna kuasa veto tolak gencatan senjata di Gaza 2. Sambutan menggalakkan, setahun bersama kerajaan Madani diperluas ke seluruh negara 3. Lebih 30,000 kes scam online, kerugian RM1.3 bilion direkod tahun ini 4. Jojo bagi pukulan KO, 36 saat tumbangkan juara Muay Thai antarabangsa AWANI 7:45, featured, Jasmine Abu Bakar,

For 25 years, the L'Oréal Foundation and UNESCO have been working together to empower and promote women in science through the ‘For Women in Science' programme. Malaysia has been part of the programme for the last 18 years, during which over RM1.5 million in research grants have been awarded to more than 51 women scientists in recognition of their achievement in science. On this episode of #TheFutureIs Female Melisa Idris speaks to this year's Malaysian beneficiaries: Dr Acga Cheng from UM, Dr Che Azurahanim Che Abdullah from UPM, and Dr Elena Azizan from UKM.

Laporan berita padat dan ringkas #AWANI745 bersama Luqman Hariz Tumpuan #AWANI745 malam ini: - Sirul dakwa terima RM1 juta supaya tutup mulut. - Polis kerjasama dengan FBI dan Interpol, ancaman bom palsu. - Indeks Harga Pengguna meningkat 1.8 peratus, terendah sejak April 2021. - Muhyiddin tidak pertahan jawatan Presiden Bersatu. #AWANInews

Budget 2024 included an interim payment of between RM1,000 and RM2,000 for civil servants Grade 56 and below, including those on contract. Retirees were not excluded while all public sector employees including uniformed personnel would receive an incentive payment of RM1,000. Economist, Dr Nungsari Radhi shares his thoughts on how this might improve the delivery of Malaysia's public services.Brought to you by Mah Sing. Reinvent Spaces. Enhance Life.Image credit: Shutterstock.com

Tumpuan AWANI 745 Modus operandi baharu scammer, menyamar polis, dakwa ada bungkusan dadah. Era baharu Malaysia-Thailand, lima sektor jadi tumpuan, selatan Thai keutamaan. Situasi meruncing di Gaza, Malaysia salur RM1 juta bantu rakyat Palestin. Kak Lina akhirnya undur diri, minta maaf tak dapat terus acarakan All Stars GV.

KNM group, a PN17 company has recently been thrust into the spotlight with a boardroom tussle with German businessman Andreas Heeschen, submitting a notice to remove all existing KNM directors. Chairman Tunku Datuk Yaacob Khyra, who holds an indirect 9.44% stake in the company shares with us the developments behind this, whether he has the confidence of majority shareholders, and how he intends to turn this company around despite its RM1.2 billion debts.

Majlis Agama Islam Negeri Johor (MAINJ) memperuntukkan RM1.2 juta dalam Program Dapur Asnaf tahun ini, bagi membantu 6,000 golongan asnaf seluruh Johor. Pengerusi Jawatankuasa Hal Ehwal Agama Islam Johor, Mohd Fared Mohd Khalid, berkata inisiatif itu bertujuan meringankan bebanan kos bulanan berikutan kenaikan harga barangan ketika ini.

Capbay, a Malaysian home grown multi-bank supply chain finance and peer-to-peer financing (P2P) platform has surpassed the milestone of disbursing over RM1 billion to more than 400 underserved SMEs in Malaysia. We speak with Director and co-founder, Darrel Ang who joins us to share his outlook for investor return rate, collection and recovery strategy, regional expansion, and whether they can grab the #1 spot in market share leadership from their local rivals.

Awani Borneo 7 Julai 2023 bersama Nickyson Nyambar; 1. Polis Sabah rampas dadah jenis syabu seberat 14 kilogram bernilai RM1.2 juta 2. RM1.5 juta diperutukan untuk baik pulih Jalan Bintu-Bakun 3. Bau disasar jadi destinasi pelancongan warga China

Ketahui berita yang anda perlu tahu hari ini bersama Nur Syazwani Saifulsham & Fahmi Izuddin  Antara fokus AWANI Pagi : - Tular menteri didakwa buat kecoh di KLIA - Kerajaan perkenal e-kredit bantu pelajar pulang ke Sabah, Sarawak - Gaji minimum RM1,500 majikan kurang lima pekerja berkuatkuasa hari ini #AWANIpagi #AWANInews

Tumpuan Awani Borneo 27 Jun 2023 bersama Nickyson Nyambar; > Mahkamah The Hague tolak tuntutan kumpulan Sulu > Sesi libat urus RMK-12 Sabah harmonikan peranan negeri dan persekutuan > Beri laluan Empangan Bakun, penduduk tuntut wang pampasan tanah RM1.7 juta

Ketahui berita yang anda perlu tahu hari ini bersama Nur Syazwani Saifulsham & Fahmi Izuddin; Antara fokus AWANI 

I'm releasing this episode 'out of sync' as Alex is visiting Australia in late February / early March and our Australian listeners have this chance to hear Alex's views on risk management. He'll be hosted by the RMIA on the 28th February in Perth and 7th March in Melbourne - see the RMIA website for details. Alex is often referred to as 'the most controversial person in risk management' due to his outspoken and unwavering views on what risk management is and isn't. My aim in creating this podcast was to get a variety of opinions and experiences through our guests, so whilst many will disagree with him, it is good to hear alternative views.Personally, and as is the case with ABM Risk Partnership, we take a balanced view - there are aspects of what Alex calls RM1 that are applicable and very useful, especially for organisations starting the journey. Likewise, quantification of risks (Alex's RM2) is equally important for those Material risks to the organisation.Alex has a host of materials available so you can make up your own mind - see the links below:YOUTUBE: https://www.youtube.com/channel/UCog9jkDZdiRps2w27MZ5Azg BLOG: https://riskacademy.blogLINKEDIN: https://www.linkedin.com/in/alexsidorenko/ Alex also mentioned the Advanced Risk Governance course during our chat - link is below:https://courses.dcroi.org/courses/alex-sidorenko?ref=bda26d Contact ABM Risk Partnership email us: info@abmrisk.com.au Tweet us at @4RiskCme Visit our LinkedIn page https://www.linkedin.com/company/18394064/admin/ Thanks for listening to the show and please keep your guest suggestions coming!

The government's debts and liabilities currently stand at a record RM1.5 trillion ringgit, or 82% of GDP according to Prime Minister Dato' Sri Anwar Ibrahim. Wong Chen, MP for Subang has suggested that we list the national oil & gas company, Petronas. We speak to him for the thinking behind this suggestion and what could potentially be the pitfalls.Image credit: Shutterstock

Human Resource Minister V Sivakumar (DAP/PH) recently announced a deferment for micro businesses, giving them another six months (which is up until July) before they have to comply with the minimum wage laws and raise their employee salaries to at least RM1,500. The new minimum wage of RM 1500 had already come into effect nationwide from May 2022, but micro businesses were given an exemption and would initially have to start paying the higher rate from January 1 this year. We discuss.

Store N Go, a local eFulfilment service provider, is hoping to tap into Malaysia's RM1 trillion e-commerce market by being the first warehousing platform to provide multi-stage solutions that go beyond storage and shipping. Founder Tee Kee Lion explains their integrated solutions and how they span multiple touchpoints throughout the product journey, from early marketing strategies right up to fulfilment and after-sales services.Image Credit: Store N Go Facebook Page

The Chairman of the Election Commission estimated GE15 could cost RM1 billion ringgit. How much should the price tag factor into the timeline of the elections? We ask Danesh Prakash Chacko of Tindak Malaysia what he thinks on this. Image credit: Shutterstock

The Chairman of the Election Commission estimated GE15 could cost RM1 billion ringgit. How much should the price tag factor into the timeline of the elections? We ask Danesh Prakash Chacko of Tindak Malaysia what he thinks on this. Image credit: Shutterstock

With the inevitable global economic slowdown, what options does the Malaysian economy has to sustain growth? With a RM1 trillion debt and an election pending, are our options limited? Dr. Nungsari A. Radhi, Economist gives us some ideas.

With the inevitable global economic slowdown, what options does the Malaysian economy has to sustain growth? With a RM1 trillion debt and an election pending, are our options limited? Dr. Nungsari A. Radhi, Economist gives us some ideas.

Datin Seri Rosmah Mansor and her husband the former prime minister Datuk Seri Najib Razak are now convicted felons. Rosmah was found guilty on all three counts of corruption in connection with the RM1.25 billion Sarawak rural schools' solar energy project. She faces a 10-year jail sentence and a RM970 million fine, the highest for a corruption case. Tom Wright, co-author of Billion Dollar Whale, breaks down how we got here.Image credit: EPA-EFE

Datin Seri Rosmah Mansor and her husband the former prime minister Datuk Seri Najib Razak are now convicted felons. Rosmah was found guilty on all three counts of corruption in connection with the RM1.25 billion Sarawak rural schools' solar energy project. She faces a 10-year jail sentence and a RM970 million fine, the highest for a corruption case. Tom Wright, co-author of Billion Dollar Whale, breaks down how we got here.Image credit: EPA-EFE

CIMB Islamic Bank recently entered into a RM1 billion (US$224.74 million) sustainable collateralized commodity Murabahah (CCM) transaction with Standard Chartered Saadiq Malaysia. We spoke to Ahmad Shahriman Mohd Shariff, CEO of CIMB Islamic, on the back of this landmark deal to understand its structure and significance. 

After hitting a revenue of RM1 billion, SNS Network Technology Bhd, is heading for a listing on the ACE market but what is the next catalyst for growth? Is the market saturated and with cost pressures, will we see margin compression? Co-founder and managing director, Ko Yun Hung comes on the Breakfast Grille to answers these questions and more.

After hitting a revenue of RM1 billion, SNS Network Technology Bhd, is heading for a listing on the ACE market but what is the next catalyst for growth? Is the market saturated and with cost pressures, will we see margin compression? Co-founder and managing director, Ko Yun Hung comes on the Breakfast Grille to answers these questions and more.

Today's question comes from Atisha in Philadelphia. I was blind-sided with the news that my recently bought two-family home is legally a SINGLE FAMILY dwelling. I closed on the home in November of last year. It appraised for $300,000. I live in one unit and rent out the other on a short-term basis on Airbnb. I now have to obtain a Limited Lodging License in order to continue renting on Airbnb. I went through the process in order to do so and was blind-sided at the L&I office with the news that the property I bought is not actually a multi-family home, but a single family home. The seller applied for RM1 classification but never obtained any permits to do the work of flipping the home from single-family to multi-family. All of the work that the seller did to the property was done ILLEGALLY, without any approval or permits. I went through the process of purchasing this home; having extensive credit checks done on me, paying for home inspections, paying for appraisals and expecting the utmost due diligence from my lenders, the appraiser they hired, my title company and realtor. Now, I am here today with the information that there was fraud somewhere along the line and I now cannot LEGALLY rent out my home for the purpose it was purchased. I am kindly asking for your advice on what steps I need to take moving forward. I am in need of an attorney who will be able to fight on my behalf. Atisha, I'm sorry to hear about your troubles. First of all, I'm not a lawyer and I don't want to be in the role of providing legal advice. I can make an introduction to two lawyers in the Philadelphia are who I would trust to help you with issues of this sort. ----------------- Host: Victor Menasce email: podcast@victorjm.com