Richard Dwayne Blair Teaching Financial Principles

Many people want to learn about basic financial principles. Few people feel comfortable about their retirement planning. One of the best ways to have economic success is to work with an expert. Few people have more knowledge or experience in the financial planning field than Richard Dwayne Blair. Over the past few years, he has developed new products and services for clients.

Richard Dwayne Blair is one of the leading financial planners in the world today. He tells clients to only focus on a few areas of their finances. Over time, these areas can determine a person’s financial success or failure.

Debt

The first area for people to focus on is debt management. The vast majority of people have some form of debt that they have trouble paying down. Consumer debt is a significant problem in the United States. In the last recession, the debt was one of the biggest reasons that the economy collapsed.

Investing

Another fundamental aspect of financial planning is investing. Few people invest for their retirement each month. Instead, a lot of people never even think about investing for the future. This is the wrong approach to take when it comes to managing your finances.

Investing is critical for anyone who wants to retire. Compound interest from investing can make a massive difference in a person’s portfolio. Young people who start investing at an early age have a huge advantage over people who wait to get started.

Income

Richard Dwayne Blair is a unique financial planner because he also focuses on a person’s income. Many financial planners only tell their clients to reduce spending. However, Richard Dwayne Blair also encourages clients to increase their income. He recommends that people start a side business that they can operate while working their typical job. By making a little bit of extra money each month, a person can have much more financial room in their budget.

 

The Academy of Art University: More Than A Standard University

There are literally hundreds of colleges and universities across the American landscape. These institutions are loaded with students that are seeking a higher education. In all honesty, some of the institutions are much better than others. The Academy of Art University is at the pinnacle of its genre, and it has produced high-profile talent that has been displayed on national television as well as displayed in movies. Some of the school’s talent includes actress Lauren Conrad, actress Raven Symone, figurative painter Asencio, makeup artist Rick Baker, film director Vicky Jenson, fashion designer Kara Laricks and music video director Chris Milk.

The Academy of Art University falls under the Pacific West Conference, and its location is in the heart of San Francisco, California. One of the quickest routes to reach this urban oasis is by taking the affluent New Montgomery Street. The school’s goal is to prepare its students in the fields of communication, in design and in liberal arts. Its pre-college programs are also designed to prepare potential students for the numerous tasks at hand. Master’s degree, bachelor’s degree, certificates and portfolio-development programs are all being earned on an annual basis. This isn’t your average run-of-the-mill kind of program. Academy of Art University is actually accredited by the Western Association of Schools & Colleges.

The student-base here consists of about 12,000 students. On the other hand, its full-time teachers are numbered in at an estimated 283 individuals. Up to 1,154 part-time teachers provide extensive work here. These affluent degree programs can set-up students for careers in music production, in sound design for visual media, in visual effects and in animation.

The Academy of Art University is changing the game for the better. The school provides meal plans as well as on-campus housing. The time is now if you’re interested in perfecting your passion for any of these fields and no other institution of this caliber can do it any better.

 

Malcolm CasSelle spearheads a safer method to trade virtual assets

Online video games have become a popular way of unwinding after a long day, bonding with friends or even making some extra cash. More people are embracing the diverse new ways of earning through the internet, and online games are one of the ways.

In this new era, it is essential to be open-minded and be on the lookout for new ways to improve your life, the options for earning through the internet are endless, you can offer a service or even buy and sell goods to interested clients. One man that has managed to make the art of online video games a benefit not only to the players but other interested persons is Malcolm CasSelle.

Malcolm Casselle

Malcolm CasSelle serves as the president at WAX the Worldwide Assets eXchange, and also works at OPSkins, OPSkins is an online platform that provides a platform for people to transact through online video games. According to Malcolm CasSelle, online video games are likely to change digital currencies in the future.

OPSkins are set to be introducing a new platform that will allow virtual trading of assets. WAX is the platform designed to make it easier for buyers and sellers to trade their assets in a safer environment and more conveniently.

After observing that digital currency was faced with insecurity and fraud issues OPSkins decided to provide a solution by introducing WAX in the market, WAX is designed to solve fraud as well as fragmentation by ensuring that users can transact without exiting their games.

The company will also introduce a common currency and will only allow traders sharing a common digital currency to trade this will help to solve geographical issues affecting the buyers and sellers. The use of a standard currency will also eliminate intermediaries, intermediaries at times making the price of commodities higher, in turn, reducing the sales which affect the seller, by using WAX the users will avoid overpayments and misunderstanding with clients.

Another advantage gained from eliminating third parties is improving on security, one of the primary issues that affect online trade is security due to many participants, the new platform will ensure that both buyers and sellers are safe and open transactions will be conducted.

Find out more about Malcolm Casselle: https://www.fastcompany.com/35354/my-favorite-bookmarks-malcolm-casselle

 

Meet The CEO And CCO Of Neogama: Alexandre Gama

Many investors and employed individuals spend a lifetime dreaming of becoming a CEO of a company. What they don’t understand is that this takes time and hard work. Also, in many instances, you are the only person who can make yourself a CEO by starting your firm. It, however, takes believing and being committed to yourself.

Alexandre Gama has always been an aggressive individual in the communication and advertisement field in Brazil. You cannot discuss the field without his name popping out. He began his career by attending Armando Alvares Penteado Foundation (FAAP), where he acquired his degree in Advertising and Communications. He worked at Standard Ogilvy & Mather for eight years and later moved to DM9, where he worked for four years.

After working in other companies in Brazil, he decides to begin his firm and founded Neogama. It accelerated so fast to the top. With less than 20 years in the advertisement industry, Neogama is listed among the 20 best communication and advertisement agencies in Brazil.

Brazil’s Second Largest Bank Is Going Through A Management Change According To Chairman Luiz Carlos Trabuco Cappi

Banco Bradesco is a big bank by any country’s standards. Bradesco has more than 5,300 branches and more than 4,800 service branches. There are more than 38,000 “Bradesco Express” units located in drugstores, supermarkets, department stores and in other retail location around the country.

Plus, Bradesco has more than 38,000 ATMs, and the bank is a pioneer in developing a biometric reading system. It’s not hard to understand why Bradesco is such a banking powerhouse in the largest country in Latin America. Founder Amador Aguiar built his bank in Osasco, a small city in the state of Sao Paulo in 1943, and the bank’s headquarters is still in that metropolitan area. While Aguiar was building his bank brand, he also built a management team, and part of that management team still has a reputation for making money.

Lázaro de Mello Brandão, one of the bankers who help start the bank, is responsible for putting the current management team together, and that team rivals any banking team in the country. Brandão’s management team has a secret weapon, according to the more than 100,000 Bradesco employees. That secret weapon is Luiz Carlos Trabuco Cappi, the man who is replacing Brandão. At 91, Mr. Brandão is ready to retire and enjoy life. And Cappi is stepping from the CEO’s office to the Chairman’s office to continue what Lázaro started. But make no mistake, Cappi has an impressive banking resume that stands on its own. Cappi joined the bank in 1969 and he started at the bottom. He isn’t a finance expert or an accountant. Cappi is a businessman who knows how to use psychology in his banking decisions. Cappi has a degree in philosophy and psychology.

Luiz Carlos Trabuco Cappi is responsible for the 2015 merger with HSBC’s Brazilian operation, and he is the man behind the bank’s digital banking platform. But he didn’t achieve all his banking success alone over the last 40 years. His management team is one of the best in the business, so when it came time to find his replacement, Cappi found one in the bank’s insurance division. Octavio de Lazari, the president of Seguros, is the new CEO of Bradesco. Cappi and Lazari know how to work together. Cappi was president of Seguros from 2003 to 2009, so both men have a similar banking resume. No one expects Lazari to go off script and develop a new banking mission. According to Cappi, Lazari will continue to close under-performing bank branches and expand digital banking services in 2018.

Bradesco is a top stock pick on Wall Street this year. The new management team might seem new to people who are not familiar with the internal structure of the bank. But it will be business as usual as Lazari takes over and Cappi focuses on his Board of Director duties. Most of Cappi’s team members are still on board. Four of those members were just elected to the board, so they will have additional responsibilities. And Cappi will continue to support Mr. Lazari as he faces the challenges that only banking in Brazil can produce.

Search more about Luiz Carlos Trabuco Cappi: https://oglobo.globo.com/economia/bradesco-anuncia-novo-presidente-octavio-de-lazari-junior-vai-substituir-luiz-carlos-trabuco-cappi-22365414#ixzz56wDld69g

Ronald Fowlkes: An American Hero

Ronald Fowlkes has an impressive career spanning several decades. Beginning in 1989 when Fowlkes served in the United States Marine Corp. As a veteran of the First Gulf War, his resume includes many advanced trainings such as U.S. Army parachute school, a basic engineering course, Naval Special Warfare Foundation combat diver school amongst others. Fowlkes was involved in the Joint Improvised Explosive Device Defeat Organization (JIEDDO) as a Department of Defense contractor. This team was involved in combat zones, mounting and dismounting infantry operations.

During his tenure in law enforcement, his team handled over 250 highly risky entries. His time spent with St. Louis Police Department involved several different departments: human resources team, civil disobedience and WMD response teams as well as the St. Louis County Police Department.

All this training has prepared Fowlkes for his current position with Eagle Industries Unlimited as their Business Development manager. His position involves customer communication, product education, as well as, sales team education for over 150 sales personnel. He is involved with customer relations throughout the world. Which makes sense considering his previous experience in both the First Gulf War and the war in Iraq. One can see how Fowlkes would be perfect for this niche market, as he has spent his career leading teams and building a vast array of knowledge on tactical equipment. Knowing the products well and how to communicate that information concisely is a major part of his current job.

Located in the peaceful city of Fenton Missouri, Eagle Industries Unlimited, provides the ideal backdrop for this American hero. It only takes a few clicks, to find Ronald Fawlkes on Medium, to know that he is a hockey enthusiast. Relishing in the seasons highs and lows and giving followers a unique perspective on this beloved American pastime. Not only does Fowlkes love hockey himself but is sharing that joy with the youth of America. He spends his free time coaching a youth hockey league.

Ronald Fowlkes truly exemplifies what it means to be living the American dream. He has pursued his passions with a sense of urgency and is instilling those values on the next generation.

 

Waiakea Water Shows Us How to Use Bottled Water Sustainably

You have to admire a company that takes a fundamental problem with its product and produces a solution that could make a monumental difference in the future of life on our planet. Our problem is that we use too much plastic in too many dispensable ways. One of most wasteful things that we do with plastic is that we use it to bottle water. One purchase leaves behind a plastic bottle that can exist for roughly 1,000 years. This year is hopefully when all of this changes. Waiakea Water has announced that they have developed the first ever fully degradable bottle. Their innovative bottle design will completely break down in 15 years. All of their bottles are 100 percent recyclable.

Waiakea Water is a wholesaler of volcanic water operating out of Hilo, Hawaii. The phrase “wai akea” means “broad waters” in Hawaiian. Their water is filtered through 14,000 feet of volcanic rock. Emerging at the eastern base of the Mauna Loa volcano, the water is rich in electrolytes, minerals, and naturally occurring alkaline. This water source is sustainable at a rate of 1.4 billion gallons of water a day and has been certified as carbon neutral. They use low-emission vehicles to deliver their products, and 3% of their profit goes to non-profit organizations and community programs. Additionally, they donate a substantial amount of water to impoverished areas in the African country of Malawi.

Here in the United States, it is estimated that we will use roughly 50 billion plastic water bottles this year. Last year only about 23 percent of all the plastic bottles used were actually recycled. This is not a sustainable future for any country’s waste management plans. Although a recent study revealed that about 60 percent of the plastic dumped in our oceans is coming from the South China Sea area, the fact that water bottles serve an obvious need and are here to stay is a challenge for the whole world. Waiakea Water is challenging the entire bottled water industry and sincerely hopes that they follow their example.

https://www.youtube.com/watch?v=fKXsPKGtL_I