Then you learn the ropes first-hand and can later say your attribution as part of the overall venture was whatever it was. 

In both cases, syndication would be needed with a securities attorney.Here is the list of promissory notes recognized by the Supreme Court as NOT being securities is a compilation of nearly random examples:Notes delivered in consumer financing.Notes secured by a mortgage on a home.Short-term notes secured by a lien on a small business or some of its assets.Notes evidencing a “character” loan to a bank customer.Short-term notes secured by an assignment of accounts receivable.Notes that formalize an open-account indebtedness incurred in the ordinary course of business.Notes given in connection with loans by a commercial bank to a business for current operations.And the determining factors for how a court will judge it to be a security or not are :Whether the borrower’s motivation is to raise money for general business use, and whether the lender’s motivation is to make a profit, including interest.Whether the borrower’s plan of distribution of the note(s) resembles the plan of distribution of a security.Whether the investing public reasonably expects that the note is a security.Whether there is a regulatory scheme that protects the investor other than the securities laws (e.g., notes subject to certain banking regulations).Again, consult an attorney.

CA and TX are both great states with different attributes.

I attribute almost everything I learned and getting my business off the ground to joining up with the FI Team early on.

I like trainer Brian Buffini's method of showing competence and character at the same time.One thing I used to send out once a month that people really liked was a nice half page size glossy postcard that had local events for that month listed on the color postcard side, and on the back side had a note from me with a paragraph about how the market was doing.

I am guessing they'll attribute it to some clerical error if I ask them directly.

"how much would I try to change the character?"

Let's introduce a fourth character seller Jane to our story.

He said women's sense of character and honesty was unmatched. 

While the area doesn't have the same growth rate or potential as some other areas of the city (such as the I-35 corridor between San Antonio and Austin), it has some positive attributes that make it a good place for buy-and-hold investors.Shaenfield Place is less than a mile outside San Antonio's outer loop (1604), allowing easy access to one of the city's main thoroughfares.