New Video
(my new toy is microsoft surface pro with camtasia)
Recent developments
Still no sign of Roman Novak or Profitable Sunrise.Felmina is slow or no pay.
Make-Million is slow or no pay.
HRS is having gateway timeout issues but is committed to fixing them.
See entire HRS newsletter post below.
New temporary weekly withdrawal limit of $5,000 in HRS.
Axiom is steady.
I love the instant payment option with SOL-R.
Chartfords is really starting to move.
Pure Leverage is getting better every day and giving away a Ferrari.
Brisco, Benson, Banners, Lifetime, JubiRev are still looking good.
Vacation
In my last blog I talked about our reason for doing this. Your and my WHY!We just got back from a wonderful vacation in Atlanta. I posted many photos via Google plus.
We...
shopped in Commerce, Georgia on the way down,
went to Opening Day Braves vs Phillies,
marvelled at the Georgia Aquarium,
ate at Hard Rock Cafe,
went to Zoo Atlanta,
took the CNN tour,
shopped the Dekalb Farmer's Market,
ate Peaches 'n Cream at The Flying Biscuit,
got stepped on at the Puppetry Museum,
played drums and got a life lesson,
ate at Johnny Rocket's in Underground Atlanta,
enjoyed Frida & Diego at the High Museum,
went to Fernbank,
We even had Thai at Thaicoon
This was one of our best trips ever. And the reason why? Well, we were all together at different points during the trip. The dogs even got to go. But the thing that made it all work was we weren't worried about money. We went, we shopped, we ate, the saw, we enjoyed and never worried about if we had enough money. That's the kind of freedom and peace of mind this crazy business can give you. Awesome.
But remember, this stuff is high risk! Get it, test the waters, see how deposits and withdrawals and support issues are handled, get to break even, take some profit, let some ride, begin a steady income of say 70/30 and hang on for the ride.
HRS Newsletter and Update (4-8-2013)
Dear HRS Family,
Another massive, emotional week here at HRS HQ. Moni and I have just about turned ourselves inside out this week for you, even though you may not see it. There is still very much work to do, so I will keep this newsletter short today.
Another massive, emotional week here at HRS HQ. Moni and I have just about turned ourselves inside out this week for you, even though you may not see it. There is still very much work to do, so I will keep this newsletter short today.
OUR FUTURE
At this stage we have 2 options.
1. We can choose to take the easy way out, and simply close HRS and refund everyone their spend. End of Fairy Tale.
At this stage we have 2 options.
1. We can choose to take the easy way out, and simply close HRS and refund everyone their spend. End of Fairy Tale.
2. We stay and fight for HRS and keep going, working together to keep HRS alive and thriving for the next 5 – 10 years.
For me, there is no choice. Closing HRS is NOT an option. We will stay for the long haul and we have made some decisions on our business practice and are refining our policies and systems to suit our growth.
For me, there is no choice. Closing HRS is NOT an option. We will stay for the long haul and we have made some decisions on our business practice and are refining our policies and systems to suit our growth.
40k families are with us and we won’t let them down. We are here, we will stay and we will continue. Some things will have to change, not because of some whiplash reaction but as a result of careful consideration.
WITHDRAWALS / PAYOUT POLICY REVIEW
Moni and I have discussed and made decisions on our Payout Policy. We are now in a position where things must change in order for us to continue to operate successfully. The payout workload has become unwieldy and difficult, due to a number of factors. Some of these can be addressed, others are not easily changed. There has been much debate in the Skype rooms on this subject. I have taken note of the family’s comments and suggestions, and will be making decisions to suit the majority of the membership. I’m aware and expectant that we will not please everyone, but hope that you understand that any decision made is carefully considered from all angles, and is made with the continued health, prosperity and not least, the stability of both the company and the HRS family in mind.
These is our new Withdrawal Policy:
1. Our official Withdrawal Timeframe is now extended from 48 – 72 hours to 5 -7 BUSINESS days from time of request. We will make every effort to pay as early in this timeframe as possible.
2. The minimum amount that can be withdrawn per transaction is $50. The maximum amount is $5000. We reserve the right to increase this upper limit at any time.
3. We will make withdrawals available from 00:00 Server time on Tuesdays for 24 hours. ONE (1) withdrawal request per week per member. Again, we reserve the right to increase the frequency of withdrawals as we determine it to be beneficial to the members and to HRS equally.
Note:*** This will immediately reduce the workload on myself and Moni, allowing us to fulfill all requests within the published timeframe. A high percentage of our withdrawals are for small sums below $50, so in raising the minimum withdrawal limit we will be able to regain much time and still members with smaller accounts will receive the same amounts they would withdraw weekly. Raising the weekly withdrawal limit to $5000 will have the same effect for account holders who are currently withdrawing to the $1000 limit.
Immediate Action to be taken:
On Monday, April 8th (today, server time) at midday, we will purge all pending withdrawal requests from the queue. There will be no withdrawal processing on Monday 8th April. Withdrawals may be requested again from midnight server time on Tuesday (midnight) GMT.
Revision of maximum account holding levels, to be advised in next newsletter
Updating of Terms and FAQ to align with new Withdrawal Policy.
CUSTOMER SATISFACTIONIt is no secret that members frustration is at an all-time high. Many of you are upset with how things are and have been. That is understandable. However, we have no wish to force those of you who are no longer satisfied with their HRS experience to stay. If you are not happy and do not wish to continue with your account, you may send a ticket asking for a refund of your spend only, and we will give you back any money you have spent on Ad Packs directly from your pay processor, so you will not be in a loss situation. You can then move on and be happy.
We will also be updating our Terms of Service with a new policy, reserving the right to terminate and refund any members account without notice, if a member is found to be posting viciously in forums, on Facebook or in our Skype rooms or anywhere else we are notified about. HRS is a long term business and we will absolutely NOT tolerate any member, who is not supportive and engaged with the HRS family, ruining this for everyone. If you are NOT happy, submit your ticket and we will close your account and refund your spend. End of issue for that member.
WITHDRAWALS / PAYOUT POLICY REVIEW
Moni and I have discussed and made decisions on our Payout Policy. We are now in a position where things must change in order for us to continue to operate successfully. The payout workload has become unwieldy and difficult, due to a number of factors. Some of these can be addressed, others are not easily changed. There has been much debate in the Skype rooms on this subject. I have taken note of the family’s comments and suggestions, and will be making decisions to suit the majority of the membership. I’m aware and expectant that we will not please everyone, but hope that you understand that any decision made is carefully considered from all angles, and is made with the continued health, prosperity and not least, the stability of both the company and the HRS family in mind.
These is our new Withdrawal Policy:
1. Our official Withdrawal Timeframe is now extended from 48 – 72 hours to 5 -7 BUSINESS days from time of request. We will make every effort to pay as early in this timeframe as possible.
2. The minimum amount that can be withdrawn per transaction is $50. The maximum amount is $5000. We reserve the right to increase this upper limit at any time.
3. We will make withdrawals available from 00:00 Server time on Tuesdays for 24 hours. ONE (1) withdrawal request per week per member. Again, we reserve the right to increase the frequency of withdrawals as we determine it to be beneficial to the members and to HRS equally.
Note:*** This will immediately reduce the workload on myself and Moni, allowing us to fulfill all requests within the published timeframe. A high percentage of our withdrawals are for small sums below $50, so in raising the minimum withdrawal limit we will be able to regain much time and still members with smaller accounts will receive the same amounts they would withdraw weekly. Raising the weekly withdrawal limit to $5000 will have the same effect for account holders who are currently withdrawing to the $1000 limit.
Immediate Action to be taken:
On Monday, April 8th (today, server time) at midday, we will purge all pending withdrawal requests from the queue. There will be no withdrawal processing on Monday 8th April. Withdrawals may be requested again from midnight server time on Tuesday (midnight) GMT.
Revision of maximum account holding levels, to be advised in next newsletter
Updating of Terms and FAQ to align with new Withdrawal Policy.
CUSTOMER SATISFACTIONIt is no secret that members frustration is at an all-time high. Many of you are upset with how things are and have been. That is understandable. However, we have no wish to force those of you who are no longer satisfied with their HRS experience to stay. If you are not happy and do not wish to continue with your account, you may send a ticket asking for a refund of your spend only, and we will give you back any money you have spent on Ad Packs directly from your pay processor, so you will not be in a loss situation. You can then move on and be happy.
We will also be updating our Terms of Service with a new policy, reserving the right to terminate and refund any members account without notice, if a member is found to be posting viciously in forums, on Facebook or in our Skype rooms or anywhere else we are notified about. HRS is a long term business and we will absolutely NOT tolerate any member, who is not supportive and engaged with the HRS family, ruining this for everyone. If you are NOT happy, submit your ticket and we will close your account and refund your spend. End of issue for that member.
PIF FUNCTIONVery soon, we look forward to reintroducing our new secured PIF system. Target date for re-enabling is Monday, 15 April. If we are able to bring it back before then, we will make a separate announcement. In the meantime, please either wait or pursue other means of PIFing your referrals. After attempting to assist members with manual PIF requests, it has become very obvious that this is too time-consuming to continue with, when there are more pressing things that Moni and Connie should be attending to. We had the best intentions in offering to do it manually, but in reality, it’s taking away too much time from resolving helpdesk issues and the remaining LR/STP account issues.
LR/STP BALANCE MOVES ETC
We are finally almost ready to process the remaining LR -> STP moves for those who were missed in the previous round. Once those have been processed, we will issue all pending refunds to LR. Third phase will see the move from STP to alternate processors for those members who reside in STP Blacklisted Countries and in the US States of Arkansas, Virginia and North Dakota.
The lists are ready; we are just waiting on the green light from our programmer to start moving the balances. There are 632 affected accounts that require balances moved. 136 refunds to be issued, and 339 accounts from members in regions not serviced by STP, whose balances need to be moved to EGOpay or Perfect Money. Please hang in there for the few more days we need to manage our way through this process.
WEBINAR
I’m so grateful to Dr Lieven for holding this web event the other day, giving me the opportunity to speak live with the HRS family. Sorry about my broken webcam, I will get a new one before I next speak with everyone in conference. Thank you all for your love and understanding towards me, and also towards Moni.
We both appreciate you all very much.
So, once again, dear Family, know that you are in my heart, and that I will do my best by you always. We will soon be back on track, and I thank you for all the kind and loving comments in the rooms. You are in my heart always.
With much love and respect
Analie Steinway
http://www.hourlyrevshare.net
LR/STP BALANCE MOVES ETC
We are finally almost ready to process the remaining LR -> STP moves for those who were missed in the previous round. Once those have been processed, we will issue all pending refunds to LR. Third phase will see the move from STP to alternate processors for those members who reside in STP Blacklisted Countries and in the US States of Arkansas, Virginia and North Dakota.
The lists are ready; we are just waiting on the green light from our programmer to start moving the balances. There are 632 affected accounts that require balances moved. 136 refunds to be issued, and 339 accounts from members in regions not serviced by STP, whose balances need to be moved to EGOpay or Perfect Money. Please hang in there for the few more days we need to manage our way through this process.
WEBINAR
I’m so grateful to Dr Lieven for holding this web event the other day, giving me the opportunity to speak live with the HRS family. Sorry about my broken webcam, I will get a new one before I next speak with everyone in conference. Thank you all for your love and understanding towards me, and also towards Moni.
We both appreciate you all very much.
So, once again, dear Family, know that you are in my heart, and that I will do my best by you always. We will soon be back on track, and I thank you for all the kind and loving comments in the rooms. You are in my heart always.
With much love and respect
Analie Steinway
http://www.hourlyrevshare.net
For the newbie in HRS
My reply to someone who stumbled across my blog and hrs calculator. Thinking of putting in $300, $500, or $665...
Put in as much as you can and add to it if you can. $665 would be a great start. My son just started with $389 and his plan is to add $50 to $100 per pay check. Several of my friends are doing $300 and $50 every couple of weeks.
Start with premium shares if you come in at $300 or more. Then buy basic shares until you hit about $100 per day in daily rebates or earnings. Wait 3 days for a balance of $300 and buy more premium shares.
Next when you are earning about $300 per day, wait a few days and buy VIP shares. Once you hit the VIP level there is no looking back.
Along the way take your commissions earned so as to reduce your risk and also make your ride more enjoyable. I'm currently taking about $500 per day in commissions and repurchasing over $2,000 shares. (Feb 25, 2013)
My philosophy is get in. Break even. Earn some profit. Compound. Start taking some income at about a 15 to 30% ratio. One day a week is about 15%. Let the rest ride for growth and wealth. You get a raise every day too.
Sign up for STP http://bit.ly/14nV3Cj
Make a note of your username and password.
Sign up for HRS http://bit.ly/WSW001
Read and subscribe to my blog http://worldprofitwp.blogspot.com/
Join us on Skype (ward.hammond)
Tell others and enjoy the benefits of making money online passively.
See http://www.hourlyrevshare.info for tutorials
See http://www.hourlyrevshare.info for tutorials
New Programs
SOL-R (REPLACING PS FOR ME)Renewable Energy for a Brighter Future. Solar stocks, ETF's and Mutual Funds. One click. 3 plans. Great Rates. http://bit.ly/14awzig
AXIOM (AWESOME)Up to 3% Daily. Official company in the UK since 2007. Good reputation. STP, PM, LR, EGO 5% referral commissions. http://bit.ly/XKyOlg
PURE LEVERAGE (MARKETING)New marketing system that includes conferencing, blogging, video email, auto responders, etc. Nice. Check it out http://bit.ly/15uwbr7
CHARTFORDS (DIFFERENT)Art Agent Pro | Assets & Residual Income from Art - Chartford (sponsor quickdrawL) http://bit.ly/XMFkvr
BENSON UNION ($3,000 MIN.)Internet investment since 2008. Service for global markets. Multiple funds. From 1 to 2.45% http://bit.ly/13sKpML
BRISCO (250 DAY)250 day program with outstanding rates http://bit.ly/ZcC605
Payment Processor and Exchanger Links
Solid Trust Pay (STP) http://bit.ly/14nV3CjPayza (PZ) http://bit.ly/SV21Ms
Perfect Money (PM) http://bit.ly/VcKP3F
EGOpay (EP) http://bit.ly/110t9OV
Liberty Reserve (LR) http://bit.ly/X3xxWw
xChanger.org (XC) http://bit.ly/WwczVg
Skype
ADV Hourly Revenue Share http://bit.ly/WSW001
ADV Lifetime Paid Daily (LT) http://bit.ly/WC9KOJ
INV Axiom Innvestments AX http://bit.ly/XKyOlg
INV SOL-R (SR) http://bit.ly/14awzig
Unique
Chartford (sponsor quickdrawL) (CF) http://bit.ly/XMFkvr
Marketing System
Pure Leverage (PL) http://bit.ly/15uwbr7Investment Based INV
INV Brisco Funds (BF) http://bit.ly/ZcC605
INV Benson Union (BU) http://bit.ly/13sKpML
Advertising Based ADV
ADV Banners Broker (BB) http://bit.ly/XnppRt
ADV JubiRev (JR) http://bit.ly/Vh3Btc
On Watch
Magic Profit RevenueProfitable Sunrise
Felmina
MakeMillion
Power Profits Pro
Hacked or Gone Scam
SwitzQuantum
Goldenarium
Ward Hammond - Regional Rep
geo: Greer, South Carolina (USA)
cell: (864) 325-0277
skype: ward.hammond
email: ward.hammond@gmail.com
blog: http://worldprofitwp.blogspot.com/
splash: http://www.tinyurl.com/123mmkeywords trading forex return roi invest equities compound interest albert einstein making money online felmina profitclicking just been paid jbp justbeenpaid frederick mann profit clicking goldenarium off-shore investments investing trading high yield high reward high risk capital gains roi return on investment compound interest compounding basic compounding panama uk doc roman novak ad packs pc panels matrix networking mlm advertising credits google ad credits wallet e-wallet e-money pay processors payment processors solidtrustpay solid trust pay stp payza pz alertpay alertpay ap egopay ego pay ego liberty reserve lr perfect money pm network performance tracking alliance experience jonathan cooper london school of business and finance Goldenarium Ltd. is a UK registered company (number: 08119679) Experience the Power of Something GOOD Always Happening to You! JOIN NOW! Paid Daily • Huge Referral Bonuses • Daily Withdrawals We Drive Thousands of Visitors to Your Website LEARN MORE Are You Ready to Take the Challenge? Millions Strong...Can't Be Wrong! Discover the Power of.... Something positive Always Happening! Profit Clicking and its related programs operate in accordance with United States Patent 6,578,010 (now public domain) It's Possible to Start with Just $10 and Turn It into a Fortune! With our Pay-It-Forward System You Get "$10 Free Money" to Get You Started at No Cost! Every Day, when You Log into Profit Clicking, You'll See that "Something Positive Has Happened": Click on three websites a day and Receive an average of 2% in Daily Commissions. With most other programs, when you log into your account, you see that nothing has changed, and you may interpret this as "Nothing is Happening!" -- not satisfying! Basically, You Receive an average of 2% Commission per day! No sponsoring Requirements. Receive Your Easily-Earned Money Promptly! This may be one of the easiest and best ways to earn money you've ever seen! Sponsor People to Earn 10% Referral Bonuses on the First Level and 5% on the Second! Withdraw this Money Daily, or Use It to Increase your Earnings! All Similar Programs (Usually Called Revenue-Share Programs, Doublers, Cyclers, Autosurfs, or HYIPs) Slow Down, Stall, and Disappear. This Happened to "The $10 Wonder." Fortunately, Profit Clicking is Indefinitely Sustainable! Enrich Yourself by Joining the Profit Clicking Stampede! Shop Now WHY BUY TRAFFIC? Without traffic your product is dead! Is your vehicle in need of a jump start? Profit Clicking would love the opportunity to earn your business which is why we will give you your first 1000 visitors completely free of charge! We will provide you with a patented, results based system that delivers as much traffic as your site can handle. For your business to thrive online, you must be seen. You are just a click away. Claim your FREE gift Now! CLICK HERE WHY BUY TRAFFIC & GET PAID? Risk-free An investment with a certain rate of return and no chance of default. Although various investments (for example, savings accounts or blue chip stocks) meet these requirements, a Treasury bill is the most common example of a riskless investment. Risk-free investments have such a low level of risk that it may be ignored.SimpleAll our loan operations are insured and each one has a security which is equal to the amount of loan plus the interest on the loan. We use the funds invested by our members. So all your investments are insured by default.Options About A good name is better than precious ointment, and the day of death than the day of one's birth. Ecclesiastes 7:1 Good Day, my name is Roman Novak, I am the owner and founder of Profitable Sunrise. I hope our services will be of interest to you. Since you are reading this, I assume that you have already shown interest. We are a team of professionals that will lead you to prosperity and peace. If you follow us, you will shortly praise the Lord that he led you here. By putting your money to work with us, you will make the right decision. You will not only increase your savings, but will also help those in need. Allow me to introduce my team to you. My brother Radoslav Novak is a lawyer and apart from the legal issues is responsible for the marketing. Ruth Ellington is our accountant. Nosuke Koyama is the technical expert responsible for the smooth operation of our website. Everyone is welcome to join us. Our doors are and will always remain open to you.Invest with us I have shown you all things, how that by so laboring ye ought to support the weak and to remember the words of the Lord Jesus, how He said, ‘It is more blessed to give than to receive.’ Acts 20:35 Our investment model is based on short-term investments and generates income way greater than most regular investment models do. Our business model combines tried and tested investments with certain state-of-the-art innovations that bring the risk of loss to a minimum. We have been doing this for over 6 years now and successfully lived through the stock market turmoil several years ago. Moreover, we have grown big and confident enough to start safely offering our services to private investors and companies. We provide short-term loans to numerous companies throughout the United States. This way we not only help those companies, but also help revitalize the national economy and create more jobs that are so desperately needed. Unfortunately, we cannot help every company as we have to make sure that we do not put our investors' money at excessive risk. In addition to that, our investments are insured by a leading investment bank. We allocate a significant amount of our earnings to charity as there are so many people out there that need help. Do you need cash to finance your business or re-finance your current loans? More information about the loans can be found here.
geo: Greer, South Carolina (USA)
cell: (864) 325-0277
skype: ward.hammond
email: ward.hammond@gmail.com
blog: http://worldprofitwp.blogspot.com/
splash: http://www.tinyurl.com/123mmkeywords trading forex return roi invest equities compound interest albert einstein making money online felmina profitclicking just been paid jbp justbeenpaid frederick mann profit clicking goldenarium off-shore investments investing trading high yield high reward high risk capital gains roi return on investment compound interest compounding basic compounding panama uk doc roman novak ad packs pc panels matrix networking mlm advertising credits google ad credits wallet e-wallet e-money pay processors payment processors solidtrustpay solid trust pay stp payza pz alertpay alertpay ap egopay ego pay ego liberty reserve lr perfect money pm network performance tracking alliance experience jonathan cooper london school of business and finance Goldenarium Ltd. is a UK registered company (number: 08119679) Experience the Power of Something GOOD Always Happening to You! JOIN NOW! Paid Daily • Huge Referral Bonuses • Daily Withdrawals We Drive Thousands of Visitors to Your Website LEARN MORE Are You Ready to Take the Challenge? Millions Strong...Can't Be Wrong! Discover the Power of.... Something positive Always Happening! Profit Clicking and its related programs operate in accordance with United States Patent 6,578,010 (now public domain) It's Possible to Start with Just $10 and Turn It into a Fortune! With our Pay-It-Forward System You Get "$10 Free Money" to Get You Started at No Cost! Every Day, when You Log into Profit Clicking, You'll See that "Something Positive Has Happened": Click on three websites a day and Receive an average of 2% in Daily Commissions. With most other programs, when you log into your account, you see that nothing has changed, and you may interpret this as "Nothing is Happening!" -- not satisfying! Basically, You Receive an average of 2% Commission per day! No sponsoring Requirements. Receive Your Easily-Earned Money Promptly! This may be one of the easiest and best ways to earn money you've ever seen! Sponsor People to Earn 10% Referral Bonuses on the First Level and 5% on the Second! Withdraw this Money Daily, or Use It to Increase your Earnings! All Similar Programs (Usually Called Revenue-Share Programs, Doublers, Cyclers, Autosurfs, or HYIPs) Slow Down, Stall, and Disappear. This Happened to "The $10 Wonder." Fortunately, Profit Clicking is Indefinitely Sustainable! Enrich Yourself by Joining the Profit Clicking Stampede! Shop Now WHY BUY TRAFFIC? Without traffic your product is dead! Is your vehicle in need of a jump start? Profit Clicking would love the opportunity to earn your business which is why we will give you your first 1000 visitors completely free of charge! We will provide you with a patented, results based system that delivers as much traffic as your site can handle. For your business to thrive online, you must be seen. You are just a click away. Claim your FREE gift Now! CLICK HERE WHY BUY TRAFFIC & GET PAID? Risk-free An investment with a certain rate of return and no chance of default. Although various investments (for example, savings accounts or blue chip stocks) meet these requirements, a Treasury bill is the most common example of a riskless investment. Risk-free investments have such a low level of risk that it may be ignored.SimpleAll our loan operations are insured and each one has a security which is equal to the amount of loan plus the interest on the loan. We use the funds invested by our members. So all your investments are insured by default.Options About A good name is better than precious ointment, and the day of death than the day of one's birth. Ecclesiastes 7:1 Good Day, my name is Roman Novak, I am the owner and founder of Profitable Sunrise. I hope our services will be of interest to you. Since you are reading this, I assume that you have already shown interest. We are a team of professionals that will lead you to prosperity and peace. If you follow us, you will shortly praise the Lord that he led you here. By putting your money to work with us, you will make the right decision. You will not only increase your savings, but will also help those in need. Allow me to introduce my team to you. My brother Radoslav Novak is a lawyer and apart from the legal issues is responsible for the marketing. Ruth Ellington is our accountant. Nosuke Koyama is the technical expert responsible for the smooth operation of our website. Everyone is welcome to join us. Our doors are and will always remain open to you.Invest with us I have shown you all things, how that by so laboring ye ought to support the weak and to remember the words of the Lord Jesus, how He said, ‘It is more blessed to give than to receive.’ Acts 20:35 Our investment model is based on short-term investments and generates income way greater than most regular investment models do. Our business model combines tried and tested investments with certain state-of-the-art innovations that bring the risk of loss to a minimum. We have been doing this for over 6 years now and successfully lived through the stock market turmoil several years ago. Moreover, we have grown big and confident enough to start safely offering our services to private investors and companies. We provide short-term loans to numerous companies throughout the United States. This way we not only help those companies, but also help revitalize the national economy and create more jobs that are so desperately needed. Unfortunately, we cannot help every company as we have to make sure that we do not put our investors' money at excessive risk. In addition to that, our investments are insured by a leading investment bank. We allocate a significant amount of our earnings to charity as there are so many people out there that need help. Do you need cash to finance your business or re-finance your current loans? More information about the loans can be found here.
Ward Hammond trader fath
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