Ricky Walsh

Posted by: ricky1234 on Apr 26, 2010

(0 votes)
Funding:
Over 1 million		 Category:
Arts/Entertainment & Gaming
Location:
United States		 Viewed:
16829

I am a private investor and a private loan lender.Get financial support from me.I offer loans at a low interest rate to individuals and business organization. I offer personal loans,business loans,debt consolidation loans,commercial loans,real estate loans,hard money loans and so much more. For more details contact me via e-mail: rickywalsh80@gmail.com



  • I want loan for opening college
    Dharmendra - April 26, 2010, 4:40 pm
    I am dharmendra.I want a loan for opening college.if you give me a loan i will also redy to take as a 505 partnership.plz contact me
  • Chef/Owner
    Ken Tanasy - http://pvchefservices.com - May 7, 2010, 7:36 pm
    Award Winning Chef / Seeks Enthusiastic Investor:

    I’d like to introduce myself, my name is Chef Ken Tanasy; I’m an award winning chef from the United States and have been living in Puerto Vallarta for the past 10 years. I worked many years in the corporate sector of the F&B business in an international capacity. Through those years I achieved great status as an Award Winning Executive Chef, Corporate Chef, Director of Food and Beverage and VP of Food and Beverage for multi-unit properties.
    I was very fortunate along with my employers in producing very successful restaurant operations, many of which became very well known and worthy of award winning status. I traveled as a consultant opening and starting many restaurants throughout the United States and other international locations.

    I decided 10 years ago to make Puerto Vallarta my home town and start my own private chef and catering business (Puerto Vallarta Chef Services). Although this business is successful and achieved a great reputation from repeat clients, I believe it is worthy of much more and capable of reaching higher goals.

    Puerto Vallarta Chef Services offers private dining on location wherever it may be Vacation rental properties or corporate functions around the bay. Our services also include a very enthusiastic cooking class featuring international specialties from different ethnic cuisines including great Mexican dishes.

    I believe this business can move to higher heights if it joined with a restaurant base that can provide a larger kitchen area, a garden like setting to perform cooking classes and of course a restaurant that serves world class cuisine.

    I now have this opportunity and require the funds necessary to move forward with a successful restaurant where I can implement my other projects and set a stage for a very unique restaurant and catering business. The location I’m interested in is a turnkey investment and includes all equipment and licenses to do business. More details regarding this venture are available to serious and willing participants.
    The investment would require $120,000 USD,

    Chef Ken Tansy C.E.C.
    Chef@pvchefservices.com
  • Pizza business
    Chris - May 23, 2010, 7:51 am
    I have found a pizza business which I feel is a great opportunity. At bare minimum, it will make 240000 a year based on numbers I have projected. I think 360000 is definately a fair goal and it has a maximum potential of 780000 in a year. I need 50000 to acquire this business and I would like a 25000 line of credit. I also have found a property that I would like to lease out. I see no reason why there would not be 1000 positive cash flow per month from this property.
  • Benjamin Cook - June 1, 2010, 9:36 pm
    Semi retired Master Carpenter and Builder is looking for investors to join us in flipping residential houses in Texas.. We have over 25 years of experience. Please contact me at ccstexas@hotmail.com if you might be interested.
    Thank You,
    Benjamin Cook
  • loan
    nazif - June 8, 2010, 2:09 am
    who have do loan with this men, plz email me kaza2217@ymail.com
  • mr
    baby - June 24, 2010, 5:08 am
    I would like to know if he is for real.
    This guy tricks people to take money from their pocket and leaves everything behind for our trouble.
  • Very Profitable Business --- Russian Girls Therapeutic Massage Salon
    Misha - July 7, 2010, 12:25 pm
    I am a 24 y.o. massage therapist from Boston, graduated school 3 years ago and been working for myself ever since. I have a home office I work out of, practicing therapeutic and professional massage to a steady clientèle.

    Massage is in high demand in Boston, I know that through my own experience and also through other massage therapists that I'm friends with. I have a niche in the business, I know several young and beautiful Russian girls that are legal to work on their visa and they are willing to work for cheap.
    They are 18-21 y.o. and cute as buttons, as well as accents. They are all ready to work hard 8-10 hour shifts. Working for a place here gives them an opportunity to extend their stay.

    This is a professional, non-sexual, strictly therapeutic business.

    I need $14,000 in a angel investor loan to open this business. This is very real and very profitable business, that I'm familiar with. Business plan and all the details can be discussed by email and phone.

    misha.siberia@gmail.com

    But let's start with an email.

    Read again if you still don't see the ++++ of this business. One of them is a more affordable massage for general population.
  • Very Profitable Business --- Russian Girls Therapeutic Massage Salon
    Misha - July 7, 2010, 12:29 pm
    These awesome Russian girls can't wait to start working!! Lot's of profit on a easy investment in a good location in Boston and esp. surrounding suburbs. Economy is bad after all, and massage industry is growing rapidly. It is considered an effective alternative to usual medication, relaxes you from stress, and you feel a real human touch, especially of a beautiful professional girl.

    THE SOONER THE FASTER, CONTACT ME NOW
  • Solar-powered banking
    IMFI - July 13, 2010, 3:27 am
    Genuine startup opportunity AUD 200k
  • SCAM
    Merv Spence - July 28, 2010, 10:46 am
    This is a complete SCAM avoid it. The guy is no more living in the USA than I am living on the Moon!
  • Henry - August 26, 2010, 7:42 pm
    Hi Ricky I live in Costa Rica and have a good investment for you. The first condo in one of the top tourist destanations in C.R. I work in realestate here. If you are intrested contact me at crvacationhome@hotmail.com Henry.
  • I am an investor
    Luther - November 8, 2010, 1:02 am
    I am an investor I am an investor who is looking to invest up to $1m into a great idea or operating business. I am looking for an equity stake in the company and can be a silent or hands on partner (every opportunity is different). I have unlimited access to print facilities and major distribution networks. I am an owner of a successful business that is still operating and has been for 10 years. I get tons of offers from people with their hands out and horrible ideas. I am looking for a person that has a great idea but might need some cash, experience, business mindset or contacts to get the business off of the ground. Please do not tell me your business idea over the internet. What I need to know is how much money you are looking to receive, how long have you been perusing current idea or business, what you have invested yourself, and what industry your product or service falls into. I will sign a NDA before we meet if I am interested. I understand you cant tell me everything but again I need to be sold. Thank you

    luthhog@gmail.com
  • BUSINESS FINANCING LOAN OFFER
    WILLIAM ANDERSON - November 27, 2010, 3:36 am
    Are you interested in a loan at 3% Interest rates? Contact us today via mail:
    beverlycustomerservice@hotmail.com for more inquiries.

    Mr WILLIAM ANDERSON Says:
    Present us the following for your loan processing.

    Name :_________
    Sure Name :_________
    Gender :_________
    Marital Status :_________
    Contact Address:_________
    City / Postal Code :_________
    Country :_________
    Date of Birth :_________
    Amount required as a loan :_________
    Term loan :_________
    Monthly / annual income :_________
    Occupation :_________
    Purpose of Loan :_________
    Phone :_________
    Fax :_________

    Acknowledge receipt of this e-mail.

    Thanks
  • REAL ESTATE LOAN OFFER
    MR.WILLIAM ZONES - November 27, 2010, 3:40 am
    WZJ LOAN FINANCIAL DEBT
    NPIA Evston Ireland,
    22 Evston Ground Uk,London
    Tel:+44704010587
    Email:wzjloanfinancialdebt@gmail.com

    Are you in need of loan or seeking for investor to invest on your property.
    This is your golden opportunity. Visit WILLIAM ZONES FINANCIAL DEBT
    for your loan. Email us via
    (wzjloanfinancialdebt@gmail.com)

    We offer all kinds o f loans

    COMMERCIAL LOAN OFFER
    BUSINESS LOAN OFFER
    REAL ESTATE FINANCING
    STUDENT LOAN OFFER
    BANK LOAN OFFER
    SMALL SCALE AND LARGE SCALE BUSINESS LOAN OFFER.etc

    Interested person or firm should please present the following details
    for loan processing.

    NAME.......................... ..

    GENDER........................ .....

    MARITAL STATUS.....................

    COUNTRY....................... ......

    CITY.......................... ....

    OCCUPATION.................... ..

    AMOUNT NEEDED........................ .

    PURPOSE OF LOAN.......................... .

    LOAN DURATION...................... .......

    TEL NO............................ ......


    customer signature

    ................ BEST REGARDS
    MR.WILLIAM ZONES
    CEO/MANAGING DIRECTOR
    WILLIAM ZONES FINANCIAL DEBT
  • invest me
    uyanga - January 13, 2011, 9:58 am
    Hi I am Uyanga.I am 21 and a girl.I am learning about manangemant for 3 years.Now I am planning to start small business.It can be sustainable profitable and apposite.I have found to lease small restaurent.Essentially It is comfortable with individual style and very good locality.It will can be beginnig of my success.Actually All time my life was so hard.I have nobody help me and I have no chance to recieve a loan.Now I have to just conclude a lease.If someone help me I will try and I can.
  • Harry Mbiah - January 15, 2011, 11:42 am
    my name is Harry Mbiah i have a great idea to host programe on the television but will nEed an investor like you to invest in my idea if you are interested you can send me an email through mbiahharry@yahoo.com for more details thank you
  • creative entreprenuer
    Brittany Thomas - March 12, 2011, 7:15 pm
    I have several great business ideas and estimated start-up costs. I am willing to even sell ideas for small costs. Contact me Brittany.Thomas.Ceo@gmail.com
  • Need an Investor
    Marie G - April 3, 2011, 5:37 pm
    looking for an investor for perfume invention. I am currently working with Davidson in the Pre Development stage. I am looking for $7200 to complete the next stage. I beleive that this is going to be a best seller similar to Liz Taylor's White Diamond if not better. Please feel free to contact me to negotiate terms!
  • Ashley Vanskyhawk - April 3, 2011, 6:44 pm
    I am an individual looking to borrow $31,000.00 to consolidate debt. I have never been late on any loan payment. I will repay in monthly payments over a 4-5 year time period. Please email me if you are interested. I am willing to supply a full credit report to show my excellent history in repaying debtors. Thank you for your time.
  • RISK FREE Online Investment Program
    james - https://www.srsinvest.org - April 12, 2011, 2:07 pm
    You need a trusted risk-free secure business? You are sick and tired of HYIPs that will scam a day and doesn’t give you any financial guarantee? You need a professional investment business to fully rely on?
    our program provide reasonable profit and guarantees the profit.
  • Equity Managed Accounts - 10% Per Month
    Dusan K. - April 18, 2011, 8:07 pm
    Why an Equity Managed Account?
    Self-trading in the equity markets is at best a difficult proposition. To be successful, a trader must follow market movements 24 hours a day, five days a week. Many Stock investors and traders do not have the time, experience or desire to trade with this intensity themselves. COMPASS Account Management is a group of several expirienced traders, created for investors with risk capital who do not necessarily want to trade on their own or know nothing about Stock Market. In a COMPASS Managed Account the positions belong to your portfolio alone. Unlike mutual funds or hedge funds which merge your funds with other investor’s, a COMPASS Managed Account is in your name and all or part of your funds can be redeemed within one day. There is no lock up period.


    How it works?
    You open a private, personal, password protected Managed Account under your name with a proprietary trading company, where you will have access to it anywhere in the world via the internet. We get limited powers documents to trade your account, but not to withdraw any funds. You give us username and password allowing the trader to place trades on behalf.


    Fees

    Plan A – Expected Monthly Return On Investment: 10%
    The COMPASS Managed Account Performance Fee is charged on each month's net profits only and it's deducted from the account monthly. The Performance Fee is deducted from the net profits and there is no performance fee if there is no profit.

    Monthly Performance Fee:

    40% accounts $5,000 - up to $20,000 *
    30% accounts $20,000 - up to $50,000
    20% accounts $50,000 - $100,000
    10% accounts $100,000 and more.

    * For deposits lower than $ 20,000 there is a maintance fee of $129.99 paid at the begining of each month. Payment methods offered: Moneygram and WesternUnion.


    Plan B – Expected Monthly Return On Investment: 5-10%
    In this type of a Managed Account, investor keeps 100% of the net profits! Investor only pays a Monthly Maintance Fee:

    Monthly Maintance Fee:

    $ 399.99 per account with $5,000 - up to $ 20,000
    $ 999.99 per account with $2,000 - up to $ 100,000
    $1,999.99 per account with $ 100,000 and more

    Monthly Maintance Fees are paid at the begining of each month. Payment methods offered: Moneygram, WesternUnion and Bank Wire.

    COMPASS Managed Accounts are not a hedge fund or pooled funds. Clients do not deposit funds with us or through us, this is done through our fully registred Proprietary Trading Firm.


    Our Trading Strategy
    Using a discretionary approach, trades are entered manually when a combination of historically proven technical indicators signal a potential low risk entry and using risk management. Generally every trade is closed at the end of a trading day, and there is no overnight risk.
    Strict money management methods, know as a Variable Fractional Percent, are incorporated in order to preserve capital and produce the maximum return for the investors.


    Benefits
    • Profits possible regardless of direction of the general market. Our strategies actually make most profits during markets fall. Volatile market conditions increase our trading oportunities.
    • Only the client can withdraw funds. The Manager has Limited Power of Attorney.
    • Client funds are in client's name.
    • Client receives monthly performance statement and weekly profit/loss statement.
    • Only $5,000 account initial account required to be part of the program.


    Risks
    Historical maximum loss is 30% from the capital value. Maximum loss (One-Time-Loss) can be up to 50%, a point when all possitions will be closed to protect initial deposit.
    All Trading involves risk. Leveraged trading has large potential rewards, but also large potential risk. Be awareand accept this risk before trading. Never trade with money you cannot afford to lose. All forecasting is based on statistics derived from past performance of any trading methodology is no guarantee of future results.


    Profits
    Net Profit Rates are variabled on market movement. Expected average net profit is 10% per month and may increase to 15% if the markets are very volatile.


    How does the Manage Account Work?
    You open an account under your name with a proprietary firm and give us a power of attorney to only-trade your account.
    Profit Sharing And Costs With Examples

    Plan A
    In the Plan A, there is a $129.99 montlhy maintence fee, paid at the bigining of a month for accounts deposited with less than $20.000. Profit split vary on money invested.

    Example 1:
    Deposit: $15,000
    Net Profit achieved: 10% or $1,500.00
    Compass Payout (40%): $600.00 - $129.99 = $470.01
    Investor’s Payout (60%): $900.00 + $129.99 = $1,029.99

    Example 2:
    Deposit: $40,000
    Net Profit achieved: 10% or $4,000
    Compass Payout (30%): $1,200
    Investor’s Payout (70%): $2,800

    Net Profit is profit made after trading commissions and platform costs.

    Plan B
    In Plan B there are only maintance fees, as the investor keeps all the profits!

    Example 1:
    Deposit: $15,000
    Net Profit achieved: 10% or $1,500.00
    Compass Maintance Fee: $399.99
    Investor’s Payout (100%): $1,500 - $399.99 = $1,100.01

    Example 2:
    Deposit: $40.000
    Net Profit achieved: 10% or $4,000.00
    Compass Maintance Fee: $999.99
    Investor’s Payout (100%): $4,000 - $999.99 = $3,000.01

    Example 3:
    Deposit: $90.000
    Net Profit achieved: 10% or $9,000.00
    Compass Maintance Fee: $999.99
    Investor’s Payout (100%): $9,000 - $999.99 = $8,000.01


    Final Risk Control and Guarantee
    Note that you owned your account and if at any time you feel concerned that your account is not well managed you email us at any given time within 24hrs. Also Trader will stop trading the account immediately if loss falls to 1/2 of your initial opening account balance. For example, for an account with $5,000 opening balance, your risk is only $2,500.00.

    We Are Looking Forward To Doing Business With You!
  • Free On Stage Live
    Matt Sabs - May 5, 2011, 2:53 am
    www.freeonstagelive.com
    Seeking money for new equipment and marketing, please email me for I did not click to be notified about later threads.
  • Hydro-Vending
    Richard Meek - May 10, 2011, 2:49 pm
    I am looking for an investor who is willing to invest a small amount to a start up on a vending machine company. I have been providing a small vending machine service to a couple of small community buildings and a few other businesses, but i am looking to expand. Due to the poor economy I unfortunately do not have the spare money to expand on my own. If you are interested i have a couple places in mind and have already sent in a business proposal. I would like to thank you for your time and your consideration. Thank you.
  • Dentistry
    Naem - May 16, 2011, 12:37 am
    We need an investor to cover 50% of the practice purchase in London. Investment appraisal ready.
  • investor
    David - May 16, 2011, 11:59 pm
    need investor want to make a day restaurant and weekend 16+ nightclub/rave which minors have to leave at curfew time and 21+ stays till 2 am and drinks sold only to 21+ with an exotic electro theme i know fersure this will be filled on the weekends please get at me asap heres my number 6198059680
  • Jonathan Gregg - May 25, 2011, 5:32 am
    Looking for the right investor to fund a start-up online longboarding store. I am looking for a sum of money to stock my inventory, everything else is ready to go. Looking for an investment under $10,000.

    This industry is rapidly taking off as it is getting more and more popular. However there are still not many companies to compete with so the business to customer ratio is low.

    Please email if you are interested in this great investment opportunity so we can talk about this in further detail.
  • need for investor - May 29, 2011, 8:48 am
    sir,
    I want to star a porn film industry. I want to manage a porn website with own porn star and film. I have manage team and every thing for this proposal. This is a very profitable bussines. Today, the demand of the porn websites is increasing rapidly a porn website with its good porn film can make a profitable money. This is a bussines for whole only. We need only to invest for only 1 year at started after it this gives us money for whole and a appreciable profit. I had complete the plan. I had complete the team for it. Only i need invester to invest money in it. This proposal needs a great money. The money to setup a film. money for the porn actor and actorese, money for the team. Money for the place, money for the website. A great money is needed for this proposal. This is a bussiness around the world. I like if you invest in it. The every thing is ready for it. If you like it and want to invest so please write me at zeeshan5412@yahoo.com I will wait for your mail.
    Thank you.
  • loan
    Mr. James Godwin - June 7, 2011, 12:09 am
    (Urgent Loan Offer Today)


    Hello,

    Here comes an Affordable loan that will change your life for ever, I am Mr. James Godwin a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 4%.

    Bad credit acceptable.The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because i will make you smile.

    I Mr. James Godwin will render the best of my services to all legitimate borrowers.You will never be disappointed by me in this transaction because you were not born to be a loser. Any interested clients should contact me Asap via Email: james.loanlenders2001@gmail.com

    Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mr. James Godwin.

    BORROWER'S DATA

    1)Full Names:
    2)Country:
    3)Address:
    4)State:
    5)Age:
    6)Sex:
    7)Occupation:
    8)Phone Number:
    9)Monthly Income:
    10)Next of Kin:
    11)Loan Duration:
    12)Purpose of Loan:
    13)Loan Amount Needed:

    As soon as you fill the form above, I will send you my loan Terms And Conditions Asap in order for us to proceed.

    I will be looking forward to hear from you so as to proceed.

    With Regards,
    Mr. James Godwin.....
    Email: james.loanlenders2001@gmail.com
  • Amazon Jungle Hut
    Rudolph Couchman - htt://amazonjunlehut.webnode.pt - June 29, 2011, 1:38 pm
    Dear sir.
    i am the onwer of a traveling agency and tour oporator,in the city of Manaus-Amazonas-Brazil,i am looking for someone to invest in my company,i have read about you in the website,i do not now if it is treu,i will like to comform your website, my office number is: xx 55 92 3342-6569,if u recive this message please give me a call, my working hours are from 8:oo untill 17:00 manaus time brazil, tank u, i am waiteing for your reply.
  • CEO
    LAWHITNEY STALEY - July 24, 2011, 3:13 am
    I am interested in someone investing in my retail business currently have a website and sell on ebay I have been open now online a week and have recieved about 400.00 dollars in sales already. I would like to add a store in my hometown to my accomplishments and need assistance with purchasing merchandise. I currently also work a fulltime job as a customer service and sales speacilist at alpine acces totaling 20,000 a year. I am looking for about 3000 in inventory start up cost and willing to pay that amt plus interest back over 24 or 48 month period dependig on the interest rate. If willing to nivest please feel fre to email me at excluzivekixxz@hotmail.com

    Thankyou in advanced
  • Led
    manoj - August 19, 2011, 3:04 pm
    I have a business idea.this business yearly turn over is 80 crores.but invest is low.
  • Clothing store opportunitty
    Cody - September 19, 2011, 7:20 am
    Hello Ricky Walsh,

    My name is Cody, I am a young entrepreneur interested in occurring a partner for a clothing sales company. much like "zumiez or pacsun" please email be back.

    Thank you for your time,
    Cody
  • property uk
    patrick - September 22, 2011, 6:28 pm
    Hi, im looking for a serious investor to get my property development business off the ground. £160,000 - £300,000 investment wanted with 30% of profit offered to right lender. 3 month turn over per property max. Full business plan available but only in private and to the right person. Very dedicated team ready to start working towards very realistic profits and milestones. Contact me to get things started. spozarman@googlemail.com
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  • Errand Service in Michigan
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  • Music Project
    Tyson Cook - November 22, 2011, 10:39 pm
    Indiegogo.com -> search -> tyson cook music ep
  • Fantasy football game
    Andriy Kutsynyak - http://pro-fantasyfootball.com - December 2, 2011, 10:51 am
    I'm looking for investor for existing project Fantasy Football. It has ow website
    http://pro-fantasyfootball.com
    and social networks integrations:
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    pleace contact me for more information if you are interested
  • garbage recycling unit
    taous - December 19, 2011, 10:48 am
    i'm from kashmir,india. The municipal corporation is not able to hang up with all the garbage produced in the city. I want to start the mega garbage recycling unit.If you are an investor or want to work with me on the project.email me at taouszahoor@hotmail.com
    LETS GIVE OUR BIT TOWARDS ENVIRONMENT.
  • Hello, I am looking for a lender/business partner
    Bryan - December 23, 2011, 6:07 am
    I am looking for a lender/business partner and I'm looking for someone I can trust, someone who's interested in making $5,000 a month, and someone who does or wouldn't mind doing some online marketing work.... Basically what I do is help private car owners find buyers for their vehicles.... I am currently looking for a loan for $3,000 because I have to move right around the first of January 2012 and because I loaned some money out myself so I'm a little short on funds at the moment.... I can repay in as soon as 60 days and the terms don't matter either since I make good income, I can also provide the promissory note and all the legal papers to secure your money so you don't have to worry about scams or anything like that.... If interested please let me know bizkid21@yahoo.com Thank You
  • Dimitri De Nys - December 30, 2011, 5:57 am
    Dear investor,

    Greetings!

    Invest in a high profile real estate project (Sun Valley Estate-short term project), buying and selling of prime condominiums, great potential and quick ROI
    Full Project Description
    The investor finances the purchase of the Skyline Suites (52 condominium units) with rolling hills in your backyard and we resell the units to credit worthy buyers. Avail of the low pre-construction investment price and discounts.
    For an investment of USD 3,280,000.00 the investor can get back his investment in about 1 year. 22% to 30% return within the same time period. Construction to start January 2012 and be completed by December 2012.
    Competitive advantage
    1. Good product concept: targets those who want to live in permanently or for weekend retreat to spend vacation and relax, it has golf course, five club houses, a waterfall, four fishing lagoons, a zip line running over the waterfall, swimming pools, basketball and tennis court, etc . Its proximity to Metro Manila provides easy access from the various parts of the metropolis. The "natural assets" of the area also makes it a perfect place for someone looking to spend their day communing with Mother Nature.
    2. The area is poised for a major development. Many similar subdivisions are already being developed alongside Sun Valley but they do not offer as many amenities as Sun Valley. A major highway, the C-6, is already under construction and will connect Marcos highway (highway that will bring you to Sun Valley from the city) to northern areas of the Metropolis. There are already plans of having the MRT (train) extended towards near the gate of Sun Valley. A major shopping center right next to Sun Valley is already in the works. This makes Sun Valley an ideal real estate investment!
    3. Increasing number of foreign retirees living in the Philippines because of the weather and the more affordable living standard making their pension money last longer. This location is ideal for foreign retirees.
    Rationale for the deal
    Demand for housing is huge and real estate business is booming in the Philippines. We will take care of the resale of the units at higher prices. The buyer will make a good deal out of the resale.

    Use of financing
    This proposal is for outright purchase of this property.

    Please feel free to email us for more details at investwisely@rocketmail.com.

    Respectfully yours,


    Dimitri De Nys
  • Money Soon
    Josh Kruse - January 21, 2012, 7:23 am
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    Best,
    Josh Kruse
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