Why One Must Bother With Wealth Management

What do you do for managing your wealth? How do you use your money? Well, it is very much important to spend our money on care. We all know that money defines our personality and our personality defines wealth that is why it is very important to spend our money in those areas where we may get a good and positive response. But how we can manage our money? So this question answers that the managing of money always depends on you because

If you have not too much money then you can save them by using the bank or you can use the money in invest on that business in which you will get much higher returns and that is why it is very important to take a piece of good advice but on the other side if you have too much money so you must go with the wealth manager because the wealth manager is a kind of person who can help you to manage in to remove from too many kinds of problems by which you can go for a perfect solution of your expenses.

 There are too many kinds of situations which can be struck you at any point of the time by which you cannot increase your business so in this case, the wealth manager will help you to get rid of from this kind of situation and that is why the wealth manager is very necessary for our life because it can analyze the risk and the Key factor is that it has determined this capability include current or future responsibilities, investment objectives, client personality and more things which it deals with that is why the wealth manager is very important. So in this topic, we are going to read about the wealth manager's worth so I will request you to stay with us till the end and I will hope you will like the contents.


What do you mean by wealth management? 

The wealth management is a kind of process in which we can save our savings by just taking some precautions in which you have to make some efforts so you can manage your savings as well as you can get to know how to make a perfect solution to save your money.


The money is very important to save from the expenses that is why it is very much important to save money but it is very hard to manage your lots of money by just you alone and that is why it is very necessary to have something by which you can manage your money so there is are some pillar wealth management are present who can help you in managing your money so you can save more and more money. But the question is that is it is necessary to have the wealth manager so we will see the answer in the following points

The wealth manager is important to hire?

Well, if you have money then you must want to earn more money as everyone wants and that is why the wealth manager helps us, but yet the question is a wealth manager worth it? The answer is yes, it is very informative and very useful for us because people love to make too much money and the wealth manager always leads you in which they will tell you those things by which you can earn lots of money. They will suggest the best time for the investment and get the returns and that is why it makes the wealth manager much important.

Portfolio management is a kind of art in which you will get to know about the investment and the returns policy. In portfolio management, you may get to know about how to get good returns when we invest somewhere and what time we must invest and at which place we should invest the money. It also teaches us that whenever and call comes from the foreign client for investing for a long time so then by the portfolio method you can make tolerate the risk of a failed investment and that is why it is most important to learn. If we compare both the portfolio management and wealth management then what would be the result


What do you mean by the portfolio management vs. the wealth management? 

The Wealth management vs. portfolio management both are made for our convenience where you will get to know by both management is that the wealth management leads for your money’s safety while the portfolio management leads for the safety of our investment and reduces the risk and that is why both courses are very necessary as per the point of view of the business. And that is why if there is any Wealth management alternative is available the that is portfolio management. But why we should hire a wealth manager and what is the work is done by the wealth manager so let us see it in the next topics. Advance financial near me


What are the works are performed by the wealth manager?

There are too many works are performed by the wealth manager that is why we may have to pay him a sizeable salary so now we will look at some work that a wealth manager is performing.


  • Plan for your retirement:- it is important that to plan for the retirement by which you can save lots of money in on the time of retirement by which you can live your life with happiness that is why it is very important to plan your retirement         
  • Try to get more and more pension: - yes, after the retirement it is also a big deal for a person who is going to retire in few days and you want to spend your whole life without any jobs that are why it is very important to get the pension on the time and a good-sized pension so they the client can live his life without any worry

Key factors that determine this capability include current/future responsibilities, investment objectives, client personality, and more.

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Posted in: Business,Finance,Personal Finance

Financial advisors and the benefits of hiring

The best way to avoid financial blunders is keeping an advisor on your side. The light they pass would redeem yourself from even a miniature size financial blunders and assist you to stick to the financial investment that ripe better in the future. But do not underestimate the process of hiring a financial advisor. Since the choices are high, it is often baffling and people settle down with low caliber options. The key strategy to end up with financial advisor is understanding what questions you should ask them. The bitter truth is, clients in the need of financial advisor aren’t aware of basic questions while finding, interviewing and choosing right financial advisor. Since the financial goals and needs are different for everyone, it is mandatory to understand those basic questions and effectually carry out the hiring process. 

Why hiring a financial advisors are prominent?

The financial advisors avail numerous things to their clients. These are one of the major reason to be considered hiring them. Some of the benefits experienced after hiring a financial advisor are listed as follows. 

  • Understand market trends and make plan accordingly:

The financial advisors are professionals who keeps their eye on overall financial matters around the world. They even update themselves with a miniature sized change in the finance sectors. Since they update themselves with market trends, they have the potential to frame effectual plan. 

  • Stay stress-free:

Managing business finances is often a stressful job and novice’s struggles more. When you have financial advisor on your side, your ships moves as you have mapped and there is no reason to jump ship. It is the best way to stay stress free. 

Choosing a financial advisor:

It is mandatory to understand why you should not stick with wrong advisor. The wrong financial advisor would leads you to financial disasters that would bring chaos to you and your financial security. Do not get forged by flashy signs, smooth marketing campaigns and their gimmick advertisements. The basic understanding about the questions you should ask before hiring a financial advisor such as Financial advisor feesis prominent. 

  • How often do the financial advisor meet their clients?

How often your financial advisor meets their clients regularly is a prominent thing to look after. Not every day is same, when time changes things around us also change. So, time may arise when you have to change any of your financial plans or update them with the current trend and this is when you need your financial advisor the most. Ensure that your financial advisor is willing to meet you with regular interval of time and update your investment portfolio as per your specific needs. If the financial advisor is not up to regular meeting or becomes hard to reach when you needed them the most, you think the advisor is worth hiring? No time to think and make a better decision. 

  • Sample financial plans they have prepared before:

Before hiring a financial advisor, ask them some samples of financial plans they have prepared before. Any financial advisor can share a financial plan they have made for some clients by removing client specific information. Scrutinizing their previous plans would bring out an idea of how effectual their plans are and paves a way to make well informed decision. It allows you to how the financial advisor tracks and measures their results as well as see if the results are in the favor of client’s goals. Ask yourselves about How much money should you have before hiring a financial advisor?and how effectually they work to multiply the capital investment. 

  • Compensation of your advisor:

The cost for financial advisoris a prominent thing to look after. An advisor is usually compensated in different ways. The most common way is to receive commission in return of their services in the market. The next way some advisor gets compensation is, paid by a fee on percentage of clients total assets which is under the management of the advisor. In this method, the advisor gets their pay from annual basis and in general, it lies between 1% to 2.5%. There are many more methods available. But make sure about the compensation that your financial advisor works. It should be satisfied by your needs. Another thing to keep your eye on is the hidden charges. In general, hidden charges are applied on the time of billings. Discussing about charges and checking the financial advisors bill is considered mandatory. 

  • Credibility and certification:

The credibility and certification of the financial advisor is a prominent thing to look after. The certified financial planner goes under vigorous training that molds their skills and they have passed the complex test. Their training and exams enlightens them to shine in the carrier. Sticking to the licensed is one thing shouldn’t be forgotten. 

  • Years of expertise:

The years of expertise of advisor on the field is also prominent thing to look after. Try to stick with the experienced financial advisor since their experience must have thought many things. Instead of sticking to a novices, it is better to consider financial advisor who is in the field at least for three years. Many people asks 

Is it worth paying a financial advisor 1 %?But the service of veterans are more valuable than you think. 

  • Service and products offered:

The advisor and firm you have hired must suits all your specific needs. When you need someone to assist you with investing, they must also shows up some light in arena such as asset management etc. 

When you need assistance assessing your current circumstances and frame a specific plans to reach various goals, there is definitely a role of financial advisor kept empty on your side. The sphere of influence of advisor encompasses retirement, college needs, tax strategies, risk management and other similar arenas. Professional finance company.

When you need assistance in both financial planning and investment advice, then seek a wealth manager. With the years of expertise on the field, they shows you some light in comprehensive planning and portfolio management. 

Asking these questions might aids you fish out the best wealth management firms around you. Once you hire the best financial advisor on your side, you can procure all the benefits listed above.

Posted in: Business,Finance,Finance Market,Personal Finance

Ideanomics Receives 300 Unit EV Order from Didi City

NEW YORK, Ideanomics (NASDAQ: IDEX) announced that its subsidiary Mobile Energy Global (MEG) has secured an order from Didi City CP, a licensed city operator of Didi Chuxing (DiDi). Didi is the world's leading mobile transportation/ride-share platform, similar to Uber, and serves over 550 million users across Asia, Latin America, and Australia.

The order is for a total of 300 electric vehicles (EVs) and valued at RMB 30 Million, or USD 4.2 Million. The order will be fulfilled with either Dongfeng E70 or Geely Emgrand EV 500 models and, subject to final negotiations with manufacturers, financing, government licensing, etc., delivery of EVs to Didi City CP is expected to commence later this month.

About Ideanomics

Ideanomics is a global company focused on facilitating the adoption of commercial electric vehicles and developing next generation financial services and Fintech products. Its electric vehicle division, Mobile Energy Global (MEG) provides group purchasing discounts on commercial electric vehicles, EV batteries and electricity as well as financing and charging solutions. Ideanomics Capital includes DBOT ATS and Intelligenta which provide innovative financial services solutions powered by AI and blockchain. MEG and Ideanomics Capital provide our global customers and partners with better efficiencies and technologies and greater access to global markets.

The company is headquartered in New York, NY, and has offices in Beijing and Qingdao, China.


Posted in: Business,Energy & Environment,Finance Market,Personal Finance,Transportation & Logistics

PayJunction Earns Silver Stevie® Award for Customer Service in 2020 American Business Awards®

PayJunction received a Silver Stevie® Award in the Customer Service Department of the Year category in The 18th Annual American Business Awards® on May 18. This marks the fourth year PayJunction has won a Stevie® Award in this category, having won bronze in 2017, gold in 2018, and bronze in 2019. PayJunction also received a bronze Stevie® Award for Best FinTech Software in 2018, and a bronze Stevie® Award for Achievement in Employee Engagement in 2017.

The American Business Awards are the U.S.A.’s premier business awards program. All organizations operating in the U.S.A. are eligible to submit nominations – public and private, for-profit and non-profit, large and small.

PayJunction’s customer service team maintained a satisfaction score over 98% during 2019. The team answered over 45,000 support tickets in 2019, an increase from the 29,000 they responded to in 2018. PayJunction has maintained an overall A+ rating with the Better Business Bureau for 5 years in a row with zero complaints.

“We are honored to have once again received national recognition from the American Business Awards,” said Alex Estrada, operations manager at PayJunction. “Every year, we challenge ourselves to continue delivering a level of quality service and care that is unprecedented in the merchant services industry. Recognition as a Silver Stevie Award-winning company proves that it pays to value building long-term relationships over short-term profit.”

More than 3,600 nominations from organizations of all sizes and in virtually every industry were submitted this year for consideration in a wide range of categories.

“Despite the toughest business conditions in memory, American organizations continue to demonstrate their commitment to innovation, creativity, and bottom-line results,” said Stevie Awards president Maggie Gallagher. “This year’s Stevie-winning nominations are full of inspiring stories of persistence, ingenuity, resourcefulness, and compassion. We celebrate all of their stories and look forward to showcasing them during our virtual awards ceremony on August 5.”

Details about The American Business Awards and the list of 2020 Stevie winners are available at http://www.StevieAwards.com/ABA.

About PayJunction
PayJunction, founded in 2000, has continually disrupted the payment processing industry with an approach that combines customer advocacy, transparent and ethical pricing, and environmental consciousness. PayJunction’s cloud-based gateway and processing platform consolidates credit, debit and check transactions made in person, online, over the phone and on the go. Its technology helps businesses increase productivity, reduce costs and elevate the customer payment experience. PayJunction processes over billion annually and is the most comprehensive developer of paperless payment software, committed to mitigating the carbon footprint across its rapidly growing customer base. Learn more at https://www.PayJunction.com.

About the Stevie Awards
Stevie Awards are conferred in eight programs: the Asia-Pacific Stevie Awards, the German Stevie Awards, the Middle East Stevie Awards, The American Business Awards®, The International Business Awards®, the Stevie Awards for Women in Business, the Stevie Awards for Great Employers, and the Stevie Awards for Sales & Customer Service. Stevie Awards competitions receive more than 12,000 entries each year from organizations in more than 70 nations. Honoring organizations of all types and sizes and the people behind them, the Stevies recognize outstanding performances in the workplace worldwide. Learn more about the Stevie Awards at http://www.StevieAwards.com.

Posted in: Computers & Software,Finance,Personal Finance,Services,Technology

Connecticut Retirement Advisor Nahum Daniels Early Off the Block with Pioneering Online Services During Covid-19

Responding to the lockdown/quarantine regulations caused by the Coronavirus, Certified Financial Planner Nahum Daniels is among the first off the block in his industry to offer online retirement-specific advice and implementation.  The Stamford-based author of Retire Reset: What You Need to Know and Your Financial Advisor May Not be Telling You is known to be among the first in his field to recommend the integration of equity investments and next-gen longevity insurance (rather than bonds) to achieve optimal  results.

“Going virtual is simply essential today to meet the needs of retirees and pre-retirees who may be inclined to wait until circumstances return to normal.  We simply don’t know when that will be and doing nothing in the interim may only exacerbate weaknesses in current financial plans, including vulnerabilities to market volatility,” Daniels explains.

Daniels believes it is vital to remain connected with clients despite the lockdown.  The pandemic has accelerated the evolution of his practice to all-online services so that now clients can work with the firm from the comfort and safety of their homes.  Starting from a virtual video consultation that progresses to shared electronic number-crunching and document review, then culminates in complete plan implementation, the contemporary advisory experience he offers is rapidly gaining acceptance among investors seeking retirement security in an uncertain world.

When the going gets tough, the tough must get going, Daniels likes to remind us.  “Portfolio allocations require review and re-balancing before market forces cause additional pain that could be long-lasting and undermine retirement plans,” he says. “That’s why we’ve launched a series of educational webinars to bring people rapidly up the learning curve on topics including social security timing, long term care funding, defensive investing and tax- and asset-protection planning.  We take a holistic approach.”

“We professionals in the financial services industry must adapt to serve pressing client needs or go the way of the dinosaur,” Daniels adds.  “The online resources are available to enable us to provide the support people need; it’s our fiduciary duty to marshal and put them to creative use.  It’s happening fast.  Now it’s the public’s turn to adopt this new approach.”

Daniels’ book analyzes a wide range of risks retirees face.  Many of his ideas challenge conventional reliance on stocks and bonds and advocate his increasingly accepted alternative. It may be ordered from Amazon at https://www.amazon.com/dp/B07G7Z87NY.  The author was also recently interviewed on THINK BUSINESS where he shared his innovative views on the future of retirement planning.  The podcast can be accessed here: https://jondwoskin.com/2019/``/jon-dwoskin-ionterviews-nahum-daniels-certified-financial-planner-integrated-retirement-advisors.

For more information visit: https://integratedretirementadvisors.com

Posted in: Books & Literature,Education,Personal Finance,Services

When Urban Fu$e Meets Financial Ed And Daily Struggles, The "Broke Blues" Hip Hop/Rap International Collective Fights COVID-19 like a "Ninja"

This series is inspired by humanity's universal desires namely money, or Dough, Love and Winning, thus, the acronym DLW.  In the context of the world's current COVID-19 pandemic, the album sees the collective examines their personal issues that are so universal that one often wonders if these are the same issues that each of us also face during difficult and challenging times in our lives. 

Regardless of what your taste in music is, the mixed blend of  contemporary and old school hip hop/rap, R&B, EDM, blues, Latin, music with English sprinkled with occasional French, Korean, Spanish and Vietnamese languages indeed reflects the world in which we all live, a fluid melting pot where humans' deepest connection is no longer limited by physical borders, skin colors or even our mother's tongue. Instead, we're connected by one common language that speaks our universal desires: music and the freedom to celebrate our similar happiness.

The album starts where Urban Fu$e left off in 2019 with a trap blues vibe track "Broke Blues", in observance of the nation's Financial Literacy month.  Unlike  prior  years, almost all news in April this year was about COVID-19 and the stimulus checks. Coincidentally, "Broke Blues" has painted a dire picture of how broke an individual could be to reflect the reality where our national unemployment rate is expected to skyrocket to at least mid-teens by summer due to the pandemic.  You'll find "someone" turns off the "power" and the artist has "no lights to see" inside the track.  Whoever this entity is, it sure does have lots of power over the artist.  Is that an individual who's broke or a country that's broke?  The song is written with such witty word play that it could be interpreted either way. 

In the third verse,  Urban Fu$e collective needs to "decide between shoes 'n rice".  In this case, other than their literal meaning, "shoes" represents the ability to move forward while "rice" means staying put.  During difficult times, we always find ourselves in a difficult dilemma: maintain a status quo; keep the old ways of doing things, or change and adapt to the new environment.  Which one does Urban Fu$e chose? One will find out the answer in the end but couldn't help but feel sorry for the guy because now not only he's broke, he's also got fired from his job making him broker.  

Urban Fu$e then goes on to show us how one can get out from under.  "First is a budget, no spending above it" or "can save hundreds, by cutting out costs, unneeded items can leave you at a loss".  Something as simple as that is certainly unheard of in our materialistic society prior to the pandemic but now it's a new norm, not by choice but by necessity.  All of a sudden, Americans including our government find ourselves becoming more conscious about what's essential and not essential.  

Multiple meanings in a song is a common theme in the entire album. This is most evidenced in their lead track, "Ninja", released on April 24, which highlights the mysterious persona of what it means to be a ninja, a character that everyone knows: fierce, stealthy, and determined warriors who train their entire lives for combat. The song is written to revere the different heroes we see in our society.  This could not be more relevant than in recent times where essential workers risk their lives daily for the greater good of society. In addition to fighting for survival, individuals are faced with daily struggles such as finances, poverty, and lack of opportunities. Or is the track about COVID-19, the  virus acting like a ninja assassinating the vulnerable? Or is it both? The only way to get to the answer is to watch their music video and find out.  

Urban Fu$e's music is like contemporary abstract art where interpretation is up to the listeners. They don't make music because they have a message.  They make music because they believe artists from four continents can come together and create music to have a positive impact on the life of their fans and audience.  Listen to Urban Fu$e music on Spotify at https://bit.ly/SpotifyUF

Sound Cloud:  https://bit.ly/Ninjaofficial

Youtube:  https://bit.ly/YoutubeUFNinjaOfficial

Posted in: Arts & Entertainment,Education,Personal Finance,Society & Culture

Singer desmond Announces Release of Debut Album, ‘Happiness is Priceless’

desmond, the Kingston, Jamaica-born singer has released his first album. Titled, ‘Happiness is Priceless, the reggae and dancehall music album made its debut on the Billboard Reggae chart recently. 

“I am delighted to inform that my first album ‘Happiness is Priceless’ has been released”, says desmond while sharing details of the album release. “The album has ten exciting tracks. I am excited about the album which is a sizzling hybrid of roots reggae, dancehall, and R & B music. It captures the importance of money in our lives and the choices we make when we have it and when we don’t.”

desmond sees this album as an outlet for releasing his musical creativity built up over many years. It is apparent that music is in the DNA of this singer who comes from Kingston, Jamaica, the birthplace of reggae and dancehall music. He has won several awards for his vocal performances and for conducting and teaching music. desmond also has a doctorate in music from the University of Southern Mississippi.

‘Happiness is Priceless’ is an exciting album that captures a range of musical moods from the easy mid-tempo to vibrant upbeat. 

desmond will be traveling across several cities to promote the sizzling new single called Rise Up, the first release from his album ‘Happiness is Priceless’.  The ten tracks from ‘Happiness is Priceless’ are:

  1. Rise Up
  2. Happiness is Priceless
  3. Laugh About It
  4. Kiss and Sell
  5. Hiding my Car
  6. Affluenza
  7. Make my Life
  8. Go to School and Play
  9. The Parable (Jo Po Wants to Know)
  10. Everything in Time

desmond has brought on board some of the most popular and renowned talents to maximize the popularity and engagement level of his album. These include:

  • Dean Fraser (Dennis Brown, Sly & Robbie, Luciano, Tarrus Riley)
  • Courick Clarke (Queen Ifrica, Luciano, Freddie McGregor, Toots Hibbert) 
  • Mikey Bennett (Shabba Ranks, JC Lodge, Dennis Brown, Cindy Lauper)
  • Sidney Mills (Steel Pulse, Aswad, Smashing Pumpkins, Ziggy Marley, Shabba Ranks, the Neville Brothers, Gwen Guthrie, Toots Hibbert, Sly & Robbie) 
  • James Gately

desmond has been deeply inspired by the music of stalwarts of the industry such as Bob Marley, Bruno Mars, Chronixx, Collie Buddz, Steel Pulse, and Stephen Marley. desmond is hoping that the new set will trigger some airplay and boost chart activity as he gets ready to jump on the reggae tour circuit. 

desmond aspires to be a global superstar one day in the world of music. He has charted out his long-term plans clearly and they include writing hit songs for other performing stars in the music industry.

To listen to all the songs on his debut album, please visit:



You can find out more about desmond and his songs on his YouTube channel:


For more information, visit:


About desmond:

desmond is an upcoming singer with proven talent in singing, and songwriting. Born in Kingston, Jamaica, considered the birthplace of reggae and dancehall music, desmond showed his passion for music at an early age. He has won several accolades for his singing performances and teaching music. He also has a doctorate in Music from the University of Southern Mississippi. 

Posted in: Arts & Entertainment,Personal Finance,Society & Culture

Much Needed Answers to Questions About 401(k) if Unfortunately Lost Employment

Unfortunately, one of the negative consequences concerning COVID-19, is a sharp increase in the number of unemployed people. The global pandemic has caused a great deal of uncertainty within the business community. This will lead to a large number of job losses, at least on a temporary basis. If you find yourself out of a job, one of the most important things you can do is to thoroughly examine all of the options concerning your 401(k). For many people, the balance inside their 401(k) represents a substantial portion of an individual’s retirement plan. Therefore, it becomes critically important to make the proper decisions in terms of how to handle your 401(k), particularly if you become unemployed. 

One of the most common questions among 401(k) participants involves the transfer (i.e. rollover) of 401(k) assets. This is a particularly frequent question because the rollover rules have changed during the past few years. Another reason why this topic is so popular is because there seems to be some confusion within the investment community concerning rollovers, transfers and withdrawals. Very briefly, let’s review the specific rules in regard to rollovers and transfers. Please read the following example.

Jane was recently laid-off by her employer. Thankfully, Jane has a large 401(k) balance of 0,000. She also has a second 401(k) from a previous employer. The balance is ,000. Upon speaking with her employer, Jane has determined that she will not be returning to work any time in the near future. Therefore, she has decided to transfer her large 401(k) balance into an IRA. Jane contacts the 401(k) custodian and asks the custodian to send her a check for the balance of the account (0,000). The funds are sent directly to Jane in the form of a check. This is known as an indirect rollover. In order to avoid fees and penalties, Jane has 60 days to send the entire 401(k) balance to her new IRA custodian. She successfully deposits 0,000 into her new IRA within the 60-day window.

Jane is happy with her new IRA custodian. Therefore, a few months later, she decides to transfer the small 401(k) with a balance of ,000. Within two weeks, Jane receives a check for ,000. She subsequently mails a check payable to her new IRA custodian. Unfortunately, Jane has made a costly mistake. Why? Because the IRS allows only one indirect rollover per 365-day period. This new law went into effect on January 1, 2015. Jane’s entire balance of ,000 becomes 100% taxable. Effectively, the account is no longer considered an IRA. Jane made a mistake because she was not familiar with the rollover rules. Most likely, she could have avoided this taxable event by speaking to a licensed investment professional. Licensed professionals are familiar with rollover and distribution rules. They help their clients determine the proper strategy for transferring retirement accounts.

In the example above, Jane chose to use an indirect rollover for transferring her 401(k). She also had the option of selecting a direct rollover. What is a direct rollover? It’s a transfer option which allows for the movement of retirement dollars. More specifically, a direct rollover is an electronic transfer of retirement accounts between two custodians. With a direct rollover, the owner of the retirement assets does not receive a check from the custodian. More importantly, there is no limit on the amount of direct rollovers that can be initiated in a 365-day period.

In regard to Jane, a direct rollover would have been a much better option. Why? Because she could have completely avoided the taxable event on her ,000 401(k). Jane made the mistake of performing two indirect rollovers in less than 365 days. By speaking with a licensed investment professional, Jane would have learned the difference between a direct rollover and an indirect rollover. Jane and her advisor could have discussed the appropriate course of action concerning her two accounts. In addition, by rolling over your 401k to IRA will provide more investment options.

Do you have questions concerning your 401(k) rollover? If so, you may want to speak with Angelica Roxas. Angelica has been licensed as an investment professional for almost 20 years. She is a Financial Strategist and President of Strategic Asset Preservation, Inc. Angelica is also the Founder and President of South Bay Tax Solutions. She is an expert in helping clients make the best decisions concerning their 401(k) assets. Ask Angelica about her Market Loss Recovery Program, which is designed to help clients who are struggling with their 401(k) investments.     

If you would like to meet with Angelica at no cost or obligation, she will be happy to review your financial situation. In the current situation, she also does customized review and advising virtually, provide online financial educational workshops or talk on the phone. To benefit from her expertise, contact her today. 

Feel free to download our complimentary Whitepaper on the “Top 10 IRA/401k/403b/TSP Mistakes to Avoid for a Healthy Retirement”.

Click here: https://seminar.strategicassetpreservation.com/marque/

You may also attend her free webinar by registering here https://seminar.strategicassetpreservation.com/webinar1

About Angelica Roxas

Angelica has been licensed as an investment professional for almost 20 years. She is a Financial Strategist and President of Strategic Asset Preservation, Inc. and South Bay Tax Solutions. She is an expert in helping clients make the best decisions concerning their 401(k) assets and also provide tax planning. Ask Angelica about her Market Loss Recovery Program, which is designed to help clients who are struggling with their 401(k) investments.

Posted in: Education,Employment,Personal Finance

Cisive Honored in CIO Applications’ Top 25 HR Tech Solution Providers 2020

Cisive, a global provider of compliance-driven human capital management and risk management solutions, today announced it was named by CIO Applications as one of Top 25 HR Technology Solution Providers 2020. CIO Applications recognizes HR leaders’ need for an expert HR solution provider that can develop and strengthen the capabilities of corporate HR teams while bringing the advantages of quality and efficiency to the fore. Their Top 25 HR Technology Solution Providers list represents the most proficient HR solution providers in the industry.

“Cisive is honored to be recognized as one of the top 25 HR technology solution providers by CIO Applications, a testament to our commitment to quality and efficiency throughout the years,” said James Owens, President and CEO at Cisive. “In order to effectively partner with our clients as they face hiring challenges in a rapidly changing global environment exacerbated by the pandemic crisis, Cisive is prepared to continue serving the business community during these unprecedented times. More than ever, we are focused on delivering innovative technological solutions that provide the HR community with the key information to meet their hiring goals and critical business needs.”

Cisive’s core onboarding and pre-employment background screening offering provides clients with a streamlined, high quality, and regulatory compliant solution. The company’s comprehensive services include background screening, vendor/contractor screening, executive screening, drug testing, fingerprinting, paperless onboarding, and electronic Form I-9/E-Verify solutions.

In addition to being named as one of CIO Applications’ Top 25 HR Technology Solution Providers in 2020, Cisive has previously been honored as Company of the Year by CIO Review and as one of 2019’s 50 Most Admired Companies by The Silicon Review. For more information about Cisive’s suite of solutions, visit http://www.Cisive.com.

About Cisive

Cisive is a global leader in compliance-driven human capital and risk management solutions, providing onboarding and pre-employment background screening solutions to address the complex challenges and needs of large enterprises with dedicated, in-country account management teams committed to customer satisfaction. Cisive is accredited by the Professional Background Screeners Association (PBSA) and was named for the third consecutive year by HRO Today to the 2019 Baker’s Dozen Customer Satisfaction rankings of Top Pre-Employment Screening Providers, in addition to being named Company of the Year by CIO Review. The company and its brands serve clients in financial services, transportation, telecom/media, healthcare, utilities and the home services end-markets, among others. For additional information, please visit http://www.cisive.com.

Posted in: Finance,Personal Finance,Services,U.S

Lake Mary, FL Wealth Advisor Encourages Investment Portfolio Review with Current Uncertainty of Market Threats

Chuck Oliver, founder and CEO of The Hidden Wealth Solution urges Baby Boomers and Retirees to take action now to reduce losses in their retirement plans. Oliver encourages those approaching retirement and those already in retirement to take a closer look at their investment portfolio right now as the market is unsettled and the pandemonium of the Corona Virus escalates.

Oliver stated, “I can’t stress this enough that now is the time to de-risk your retirement as a black swan like the Corona Virus is unexpected occurrence like the dot com stock market crash of 2000 and the stock market meltdown of 2008. Soon to be or already retirees can’t afford a major setback in their savings. Let’s be honest, if you are approaching your retirement years you don’t have the time for your investments to make a major come back like you may have experienced back during the 2008 recession. Now is the time to “recession proof” your retirement. There are several vehicles to accomplish this, but I urge people to do this now before more volatility impacts their retirement savings. Between the Corona Virus outbreak and the Democratic party’s ridiculous pro tax White House contenders, time is of the essence to adjust one’s investment portfolio. What I’m talking about are tweaks such as reducing downside risk without giving up higher returns to addressing Roth IRA conversions, reducing your 401K contribution to focus on after tax opportunities. Many are asking how to best insulate their retirement from the IRS. We know market volatility and future tax burdens lie ahead and the uncertainty right now is pretty scary between the market’s response to the Corona Virus and the upcoming presidential election outcome in November.”

The Hidden Wealth Solution is a top-rated wealth management firm in Lake Mary, Florida. Their team of financial planners provide leading wealth strategy solutions for individuals and businesses. For over two decades Chuck Oliver and his team have provided expertise in helping Baby Boomers and Retirees save more and insulate their retirement savings from taxes, market loss and inflation. Oliver has been recognized as one of the top half of one percent of all financial advisors in the United States. He is also a best-selling author and nationally recognized speaker. Most recently Oliver was the key-note speaker at the 9th Annual Spine Surgery Symposium in Deer Valley, Utah. Attendees included top spine surgeons in the United States along with industry distributors. Oliver presented key changes in retirement tax laws for 2020 and how symposium attendees could better prepare financially for their retirement years while learning tax saving techniques for higher income earners. In January 2020 Oliver was awarded by the Lenz Entertainment Group to celebrate Oliver broadcasting over 500 episodes of the Hidden Wealth Radio.

Each weekend Oliver hosts his radio show entitled “Hidden Wealth Radio, helping people to discover and uncover their Hidden wealth” in Orlando, Florida, Tampa, Florida, Jacksonville, Florida, Dayton, Ohio and in Phoenix, Arizona. Followers can tune in weekly to hear Oliver discuss changes in tax law, how the upcoming presidential election continues to unsettle the economy and how those approaching retirement can re-tool their portfolio to protect from downside exposure and avoid heavy tax burdens. To hear Oliver’s archived radio shows, visit online at: https://thehiddenwealthsolution.com/hidden-wealth-radio/

Oliver encourages those approaching their retirement years and those already retired that have at least 0,000 or more in their retirement to seek input from a wealth advisor that specializes in retirement optimization of income and avoidance of tax. Oliver added, “Your CPA is not going to advise you on how to save on taxes they will inform you on how much you will owe but they typically are not looking at how to navigate the government “gotcha’s” as I call them so you can save taxes for tax uncertainty in the coming years. According to Morningstar retirees can increase their retirement income by an average of 31% with proper retirement income planning."

Below is a recent article Boomers and Retirees should become familiar with:
MarketWatch: Dow logged its largest reversal in 2 years Wednesday — here are 5 reasons stocks are tanking, and only 1 of them is the coronavirus

Those interested in learning more about how they can optimize their retirement income and insulate their savings from taxes are encouraged to check out more of Oliver’s articles on his website. He addresses different tax saving vehicles those approaching retirement can consider. These insightful articles can be found online at: https://thehiddenwealthsolution.com/articles/

Oliver stated, “Between the heightened concern of the Corona Virus outbreak and the uncertainty of who will land in the White House come November, the media has exponentially caused confusion and concern for those looking at their retirement portfolio. Since the start of 2020 my team and I have launched our newest campaign entitled the S.T.O.P. Analysis (Saving Tax Optimization Plan) to help those approaching retirement learn how they can stop unnecessary taxes on their retirement. To request your S.T.O.P Analysis we encourage people to visit us online at: https://thehiddenwealthsolution.com/taxes-saved/ and fill out our online form. Once the form is submitted each request is sent the newest edition of Oliver's Retirement & Your Taxes Guide. This easy to read guide better explains the Tax Cut and Jobs Act and the newly passed SECURE Act.

The Hidden Wealth Solution is located at 250 International Parkway, Suite 146 in Lake Mary, Florida 32746. Their financial and wealth advisors are available Monday through Friday from 9AM – 6PM EST. For more information and to read client testimonials visit The Hidden Wealth Solution online at: https://thehiddenwealthsolution.com/

Posted in: Personal Finance,Public Affairs,Services,U.S

Fidelity Funding Announces Creative Financing Solutions For Diverse Lending Situations

Fidelity Funding, a Real Estate Finance Company operating California, has today been recognized as being a front runner in the realm of Foreclosure bailout loans, fast funding hard money loans, bad credit mortgage loans, non-traditional income loans, foreclosure bailout reverse mortgages and more.

Fidelity Funding has been operating in the Real Estate Financing market for over 15 Years and competes against Hard Money Lenders, Investors, and Other Mortgage Lenders throughout the nation. They have been able to make such a strong impression on the market and gain reputation by their honesty and transparency in each transaction, with the primary goal being to help their customers instead of manipulating and them to make money like many others. They offer loan products that fit the client and dedicate time and effort to help them instead of immediately turning them away. They offer creative financing through a broad spectrum of loan products from hard money, foreclosure bailout loans, bad credit loans, non-traditional income loans, stated loans, reverse mortgages, foreclosure bailout reverse mortgages, construction loans, fix and flip loans and so much more for both residential and commercial properties.

Nazeli Kerkorian, Fidelity Funding's Senior Director of Underwriting, spoke about its recent recognition, expanding on some of the decisions and motivations that led the business to the level it's currently reached.

"When Fidelity Funding was founded, it was made abundantly clear we wanted to be the kind of company that was known in the market for our creative lending solutions and our ability to fund what others can't or won't fund. One of the biggest concerns we have, which is actually what we strive against, is the amount of clients that approach our company frustrated about the misrepresentation they've received from other lenders and the financial burdens they've endured because of it. The time that was wasted by these lenders should have been used by a firm to help the borrowers, not dig them in a deeper hole. These bad experiences cause borrowers to lose trust and become agitated, and as a finance professional myself, it's disappointing. Fortunately, with some good people behind us, our dedication, unwavering knowledge and ability to perform our services as presented to our customers allows us to re-establish the trust los and enables us to meet the client's expectations that were previously not met by the other lenders. We are straight forward about what we're able to deliver to our customers from the start and are able to overcome every obstacle and really hit our stride."

Nazeli Kerkorian also mentioned Fidelity Funding 's future plans are to extend their services and unique loan products offered to borrowers across the nation. It's the hope of the company to bring awareness to borrowers in need of the help they've been deprived of and let them know they’re a company willing to and able to assist in financing their loans when others have denied them or turned them away.

Fidelity Funding plans to maintain its position at the forefront of Foreclosure bailout loans, fast funding hard money loans, bad credit mortgage loans, non-traditional income loans, foreclosure bailout reverse mortgages and more for years to come, building on its success, finding new ways to serve its community, customers and the world at large.

More information on Fidelity Funding can be found at their website:https://www.fidelityfundingcorp.com/

Posted in: Finance,Personal Finance

Chattanooga-based Reliance Partners Appoints Wiser Chief Marketing Officer, Continues Rapid Growth With Office Expansion in Tampa, Florida

Reliance Partners (Reliance), a leading provider of commercial insurance products and services for transportation and logistics clients, appoints Brenda Wiser to the position of Chief Marketing Officer and announces expansion into Tampa, Florida, to accommodate rapid growth while leveraging the area’s strong industry presence.

Wiser is an accomplished insurance professional maintaining both her TRS (Transportation Risk Specialist) and CIC (Certified Insurance Counselor) designations. She also serves on the board of the Motor Carrier Insurance Education Foundation (MCIEF) and speaks regularly around the country educating industry associates on motor carrier insurance coverage and programs.

“Brenda adds 30 years of transportation insurance insights to the team,” says Reliance COO Laura Ann Howell. “We’re thrilled to have her on the team and excited to draw inspiration from her expertise to improve our processes and refine our client experience along the way.”

Reliance’s new location marks the company’s eighth branch office to be located at 2202 N Westshore Blvd, Suite 200, Tampa, FL 33607. The office will join existing locations in Austin, Texas; Chicago, Illinois; Birmingham, Alabama; Milwaukee, Wisconsin; Victoria, Texas, Sacramento, California, and Chattanooga, Tennessee. Teo Cardenas, previously charged with leading the agency’s first Florida office, in 2018, will remain at the helm in Tampa.

Reliance strategically selected the new location to accommodate an increase in market demands due to factors like the expansion of the Panama Canal, trade agreements with Cuba and other emerging Caribbean and South American economies, and I-4 emphasis as a freight corridor.

“The I-4 corridor has the 10th largest economy in the U.S. with a GDP of more than 0 billion,” says Reliance President Chad Eichelberger. “And with truck freight volumes in the Tampa Bay area projected to increase by as much as 65% by 2040, we’re poised to provide solutions for safeguarding the supply chain networks, like this one, that drive the American economy forward.”

Chattanooga-based Reliance Partners is America’s fastest-growing, privately-held insurance agency focused on the transportation and logistics space. Through the company’s commitment to service excellence and continuous process innovation, Reliance shields thousands of customers against costly risk and accelerates sustainable business growth.

Reliance has been awarded Best Workplace by Inc. magazine every year since 2016, voted 8th Best Workplace in America by Fortune magazine, named one of the most innovative and disruptive companies in freight by Freight.Tech100, and ranked Top 10 private companies in the U.S. for fastest growth according to Inc.com.

Reliance is hiring! To join an award-winning team, please visit our careers page.

For more information, please visit http://www.reliancepartners.com

Posted in: Finance,Personal Finance

blumshapiro Announces Heather B. Bearfield Appointed Partner in Advisory Services Group

blumshapiro, the largest accounting, tax and business advisory firm based in New England with offices in Connecticut, Massachusetts and Rhode Island, announced today that Heather B. Bearfield has joined blum’s Advisory Services Group as a partner. She will be based out of blum’s Boston, Massachusetts office beginning December 2019.

Bearfield has more than 15 years of experience in leadership roles managing risk and building information security management programs. Heather has extensive experience in IT Risk Management Consulting, Information Security Governance, Corporate IT Audit and Corporate Operational Risk functions. In her new role, she will serve as a blum Partner for Cyber and IT Risk Services. She will be responsible for managing risk and building information security management programs for blum clients.

“We are pleased to have Heather join our Advisory Services team. Heather brings a strategic, results-driven skillset and a proven track record in helping businesses enhance their risk capabilities. She has been extremely successful in building best practice IT governance, risk and cybersecurity control management tools and processes and is fully committed to blum’s focus on enhancing client value,” said Joseph Kask, chief executive officer of blumshapiro.

“Joining blumshapiro is a wonderful opportunity for me to bring my extensive cyber and IT risk management skills to a firm focused on expanding its advisory services throughout the Northeast and beyond. I look forward to working with forward-thinking, experienced professionals focused on providing clients with world-class expertise in the ever-growing area of global security and intelligence,” said Bearfield.

Prior to joining blumshapiro, Bearfield served as Principal of Cyber and IT Risk Services, National Service Line Leader at Marcum LLP based in Boston. Bearfield has a record of performance, reliability and success at identifying process and control weaknesses, analyzing complex systems and working with clients to streamline operations. A sought-after speaker for many industry events, Bearfield led global and nationwide IT assessments in numerous vertical markets inclusive of manufacturing, banks, financial services, colocation hosting facilities and application service providers. She previously led a security practice involving the execution of Internal/External Vulnerability Assessments, Penetration Testing, Wireless Assessments and Social Engineering.

Bearfield’s professional affiliations include membership in the Information Systems Auditing and Control Association, the Institute of Internal Auditors, Cambridge’s Who’s Who, the Boston Chamber of Commerce Women’s Advisory Board and Nichols’ College Board.

Bearfield is also a national leader in diversity and inclusion programs and has helped develop the Women’s Initiative and Diversity Awareness, among others.

Bearfield received her Masters of Business Administration in 2001 from the University of Vermont (UVM) School of Business and a Bachelor of Science in Business Administration in 2000 from UVM.

She is resides in Hopkinton, Massachusetts.

blumshapiro is the largest regional business advisory firm based in New England, with offices in Connecticut, Massachusetts and Rhode Island. The firm, with a team of over 500, offers a diversity of services which include auditing, accounting, tax and business advisory services. blum serves a wide range of privately held companies, government and nonprofit organizations and provides non-audit services for publicly traded companies. To learn more visit us at blumshapiro.com.

Posted in: Finance,Personal Finance

Dubai Property Investment – hausandhaus.com pick on Dubai’s current top property investments

With a myriad of top developers having many off plan offerings in the market, many buyers are perplexed when it comes to spending their hard earned cash. The confusion stems from a huge variety of payment plans and options, and with releases almost on a daily basis it can be hard to keep up with the developments which will be the most popular once completed, and those that will give the best returns. To save any confusion we have hand-picked our current favorite Dubai investments from the very best developers. We have based our selection on reputation, location, successful past projects, value for money and build quality. This is an unbiased view, with no favoritism towards any particular company or brand. We always maintain that by giving rational, honest and transparent advice – clients will be happy to return.

Eden at The Valley  | by Emaar

Emaar’s first venture in this location, the strategic position of this development is close enough Dubai’s major landmarks to be a success – but far enough to offer some tranquility to the hustle and bustle of the city. These 3 and 4 bedroom luxury townhouses start at very attractive rates and the payment plan is generous with a 30 month post-handover mechanism. Very much focused on families, this development will benefit from lush parks and green areas, shopping close by at The Pavilion and the classic infrastructure that makes Emaar one of the most respected developers.

Eden by Emaar Prices from AED 1,168,888

Contact : +971 54 422 5050 

Marina Vista  | by Emaar

One of the most anticipated projects, Emaar’s foray into beachfront living will make a positive impact on the local hotspot of Dubai Marina, Palm Jumeirah and JBR shoreline. From 1 to 4 bedroom apartments, classic Emaar styling and all buildings having a close proximity to water, this is one project not to miss. With multiple payment options, a 100 % DLD fee waiver and 2 year post-handover payment plan up for grabs, what is not to like? Whether an investment or to live, you will not be disappointed with what is on offer here…

Emaar Beachfront Starting from AED 1,200,888

Contact : +971 54 422 5050

Ruba Villas at Arabian Ranches III  | by Emaar

Arabian Ranches and Ranches 2 conjure mental images of perfectly executed housing and lifestyle. These incredible success stories for many Dubai expats are now offered in a more affordable package – Arabian Ranches 3. Contemporary, clean and amazing value 3 and 4 bedroom townhouses, Emaar have really hit the nail on the head with this exciting project. Sublime build and facilities, one of the real ‘wow’ plusses of this development will be the kid-friendly lazy river which circles the perimeter. Starting at 1.4m, this is a fantastic opportunity to grab your slice of the dream family playground. 

Arabian Ranches III by Emaar 3 BR’s from AED 1,400,000

Contact : +971 54 422 5050 

Jumeirah Living Marina Gate  | by Select Group

With an enviable waterfront position in Dubai Marina, one of the best specifications and 5* service within the residence, Jumeirah Living Marina Gate will most certainly live up to the hype. With an expected April 2020 completion date, 100 % DLD fee waiver, 4 year post-handover payment plan and competitive pricing, it is not surprising that there is already limited availability. 

Select Group have really upped the game with this masterpiece – give us a call today to make your reservation.

Contact : +971 54 422 5050 

Expo Golf Villas 5  | by Emaar

EXPO 2020. There is no hotter buzzword today in Dubai. These prime 3 and 4 bed limited premium villas are as close to the action as you can get – how does a few minutes to the site sound? – making them an exciting investment prospect for the next year and beyond. The layouts and finish of these properties are centered around families and with supporting, extensive infrastructure in the surrounding area – make this an incredible proposal. The Championship Golf Course and Al Maktoum airport are literally minutes away… book your spot with the haus team today! 

Expo Golf Villas 5 Starting from AED 1,077,000

Contact : +971 54 422 5050

Signature Livings  | by Green Group

If the UAE’s first solar powered residential apartment building, eco-friendly and contemporary design in the popular Jumeirah Village Circle sounds tempting… read on. With a choice of studio’s and one bedroom apartments and one and two bed penthouses, and starting at a budget friendly AED 425,000 – this is a gem of a project. Not only that but with a Q2 expected delivery date, a show home on site, and impeccable build quality; all genuine reasons why this is fast becoming a sell-out development. Boasting up to date features such as smart phone enabled temperature control, Bluetooth enabled sound systems and smart coffee machines in the lobby – The Green Group have genuinely raised the bar with this one. 

Signature Livings by Green Group Prices from AED 425,000

Contact : +971 54 422 5050

If you require factual, current and professional investment advice from a company that cares about your money as much as you do – then get in touch. Our team of off-plan specialists will give honest, clear and tangible advice that has your best interests at heart. Whether you are looking for an entry level apartment, or a panoramic view penthouse overlooking the Arabian Gulf – we are confident that our approach is consistent so that you get the best possible guidance. Get in touch today and let us make your money work for you…easy.

Dubai Property Investment Consultant:

Contact : +971 54 422 5050

Posted in: Building & Construction,Business,Finance Market,Personal Finance,Real Estate

Safe Harbor CPAs Announces New Post on Tax Preparation for San Francisco, California Residents for 2020

Safe Harbor CPAs, ranked one of the best CPA firms for the Bay Area community, is proud to announce a new timely post as the firm gears up for tax season 2020. Local businesses and individuals might feel sideswiped by new changes surrounding the State and Local Tax Deductions, or SALT. Revised caps on local deductions can derail plans for a smooth filing for 2020. Business owners and individuals can benefit from the expertise of a CPA well-versed in current tax law.

"In the tax world, things change all the time. Right now, we see several updates in the tax code affecting our clients," explained Chun Wong, Managing Partner at Safe Harbor CPAs. "Many businesses and individuals are still not fully aware of how the deductions around state and local taxes or SALT have impacted California residents. We are here to help the Bay Area sort through the current changes and focus on what they can write-off now to stay in the black."

The Bay Area community can review the new informational page by Safe Harbor LLP at http://www.safeharborcpa.com/you-cant-do-anything-about-sales-tax-but-you-can-about-income-tax-in-california/. Recent federal tax changes, including a cap on SALT tax deductions might mean large tax payments for Californians. Smart tax preparation by professionals in San Francisco could help. A team of skilled accountants knowledgeable in tax law can review itemized deductions to help meet the proper limits for a legally-sound tax return. The CPA's support both small business and corporate tax preparation as well as; S-Corps, C-Corp's, LLC's, and Sole Proprietors can all turn o the CPA firm for tax and financial advice. For example, interested persons can read the newly update page for individual tax return preparation at http://www.safeharborcpa.com/individual-income-tax/.


Here is the background on this release. San Francisco locals might dread the upcoming 2020 tax preparation season. Accountants are primed to help the community with stifling new laws designed to pull back deductions. Newly enacted tax rules could destroy a well-crafted filing plan and put a business or individual in the red. The Tax Cuts and Jobs Act (TCJA) of 2017 limits itemized deductions for both state and local taxes. The timing runs from 2018 through 2025. Californians might already deal with the burden of increased costs, including gas, raised toll fees, and sales taxes. Individuals and businesses could struggle to remain solvent after losing specific itemized deductions on top of the added state costs.

For these reasons, Safe Harbor CPAs has announced a new informational post just as the firm gears up for a busy tax season 2020.


Safe Harbor LLP is a CPA firm that specializes in accounting and tax services for individuals and businesses throughout the San Francisco Bay Area and greater California. Safe Harbor CPAs help both individuals and businesses with tax preparation, IRS audit defense, and audited financial statements. The firm prides itself on friendly yet professional service and utilizes state-of-the-art Internet technology to provide quality customer service.

Safe Harbor CPA
Tel. 415.742.4249

Posted in: Business,Finance,Personal Finance

Nebraska School Receives ,500 School Lounge Makeover From California Casualty

The staff at Palmer Public School in Nebraska will now have a quiet place to relax and recharge during the school day, thanks to a ,500 School Lounge Makeover® from California Casualty. The new lounge was unveiled Tuesday.

“We are very appreciative to California Casualty for providing this for us,” said Palmer Schools’ Superintendent, Dr. Joel Bohlken. “This will make a big difference because we really didn’t have a place for our staff to go for a moment to unwind and relax before heading back to the classroom,” he added.

Palmer English teacher and school librarian, Mary Gregoski, submitted the winning entry for the makeover. “This means we will now have a place of our own to get a short break before we return to the teaching environment. We are just so grateful that California Casualty thinks about educators,” she said.

The new staff lounge at Palmer School features a TV, two massage chairs, soothing “bubble water wall art,” coffee station, new tables, a refrigerator, and colorful paint and accessories. EON Office designers maximized the area for comfort.

The ,500 School Lounge Makeover giveaway was created to provide educators a more conducive environment to take a break, share time, and revitalize during their long days at school. This is the 13th School Lounge Makeover provided by California Casualty since the program began in 2011.

“We’ve seen the dedication of administrators, teachers and staff firsthand and we’re proud to show our appreciation,” added California Casualty Sr. Vice President, Mike McCormick.

California Casualty has other giving programs that benefit public schools and educators, including:


Learn more about California Casualty and its giving programs at http://www.calcas.com/newsroom.

Founded in 1914, California Casualty provides auto and home insurance to educators, law enforcement officers, firefighters and nurses across the country. Headquartered in San Mateo, California, with service centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. More information about California Casualty can be found at http://www.calcas.com.

Posted in: Finance,Personal Finance

Maritime Insurance International Hires Two Experienced Marine Agents as Director of Sales in both Northeast and Southeast Regions

Maritime Insurance International, an independent marine insurance agency, has hired two Marine Insurance industry guru’s to expand their East Coast footprint. The independent marine agency brought on Adam Meyer as Director of Sales – Southeast and Rod Clingman as Director of Sales - Northeast, respectively, as of November 1st, 2018.

For the last 19 years Rod has worked strictly in the marine insurance industry. Starting his insurance career as an underwriter for a P&C company, then moving into sales and product / policy development. He has worked with some of the country’s leading marine agencies and marine insurers. Prior to joining Maritime Insurance, Rod was a program manager for Berkley Recreational Marine (W.R. Berkley Co.)

Adam Meyer graduated Wake Forest University School of Law in 1996, then started his marine insurance career in Cincinnati as a Marine Loss Control Specialist with St. Paul Fire & Marine. He then went on to Chicago to specialize in Mega Yacht and Commercial Marine underwriting as an Ocean Marine Underwriter for St. Paul / Travelers. After 5 years in marine loss control and underwriting, Adam moved back home to North Carolina, where his passion led him to the agency and sales side of marine insurance. Since 2000, Adam has built an impeccable reputation as a specialist marine producer, and led two successful marine divisions.

Both Directors will focus on boat, yacht and commercial boat insurance in their respective regions, further expanding the East Coast and National presence of Maritime Insurance. “The experience and knowledge these two individuals add to our team, on both our products and industry, made this a natural fit for us all. We are excited to have them join our niche agency.” said Maritime Insurance Vice President Garrison Rudisill

About Maritime Insurance International

Maritime Insurance specializes in Boat, Yacht, Marina, Boatyard, Boat Dealers, & Boat Builder insurance solutions. MII has amassed over 100 years of collective experience in the marine industry and has a group of professionals that are unmatched in this niche insurance industry. They pride themselves on providing clients responsive and personal service coupled with competitive markets throughout the relationship. The agency is licensed in 46 states with offices in four port cities.

Offices are located in Charleston, SC; Annapolis, MD; Mystic, CT; and Wrightsville Beach, NC. For more information call 843-606-5270 or visit http://www.maritimeinsuranceinternational.com.

Posted in: Finance,Personal Finance

Innovest Global Acquires Midwest Curtainwalls, Adding Million Revenue to Exit 2018 at Million Annual Revenue Run-Rate

Innovest Global Inc. (OTCMarkets:IVST) (the "Company" or "Innovest"), a conglomerate with operations in commercial and industrial products and services, biotechnology, and building materials, announces that it closed the acquisition of Midwest Curtainwalls ("Midwest") on Friday afternoon.

Innovest has now completed seven transactions to round out a business platform which features million in annual revenue run-rate, from two operating divisions; as well as a Biotech Division, which owns an interest in a developmental brain cancer vaccine. Ninety percent of that revenue has been acquired in the last 45 days. The initial operating companies have grown by approximately 50% since acquisition, and have integrated synergistically.

Dan Martin, Innovest's founder, Chairman, and Chief Executive Officer started Innovest just one year ago. "We've added tremendous intrinsic value to Innovest, while issuing minimal stock, no long-term debt, no risky financing transactions, and a focused effort to grow those assets once acquired. Our 2019 plan will be announced soon and involves all of the tools and progress we will need to supercharge our growth and capture that value for stockholders," he said. "Merry Christmas and Happy Holidays to all of our stockholders, which we appreciate greatly for their confidence. Their support has given us the momentum and opportunity to grow, and I'm extremely thankful to our team for serving that opportunity to an amazing level."

John Yenges, who has been running Midwest as EVP is now it's President. "The acquisition was enthusiastically received by our client pipeline and our team, and I'm excited to couple Midwest with the philosophies and opportunities Innovest provides. I expect spectacular results," said John Yenges. Dan Martin stated, "John doesn't just 'fit in' with Innovest, he adds to Innovest. He brings a unique skillset, his own high energy, great ideas, and a motivated team. He's a true professional and a wonderful person and we are all thrilled to work with him and the people at Midwest".

More about Midwest:

Midwest (click here for their website) has been in business since 1959 and is an industry leader. Their work has international appeal having done major projects in the United States, Barcelona Spain, London England, and Hong Kong. Midwest will add to our Construction & Building Materials Division. They generate eight-figures in annual revenue from specialty commercial construction contracts. This transaction is our most profitable acquisition to-date. It requires the issuance of 2 million restricted common shares of stock with a two-year guarantee, a ten-percent profit sharing arrangement based 2019 booked contracts, and the assumption of approximately 0,000 in ongoing standard banking obligations which are current and in good standing. Midwest is cash-flow positive in the low seven-figure range.

About Innovest Global, Inc.
Innovest Global, Inc. (OTC Markets: IVST) is a conglomerate with operations in commercial and industrial products and services, energy, biotechnology, and health services. Our primary growth strategy is to acquire existing companies in a select few industries, and attract new customers in cost effective ways. Currently, we have a Commercial & Industrial Division, a Biotechnology Division, and a Construction & Building Materials Division.

For more information, please visit: http://www.innovestglobal.com, and follow us on Twitter and Facebook @innovestglobal.

Forward-Looking Statements
This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. All statements other than statements of historical facts included in this press release are forward-looking statements. These statements relate to future events or to the Company's future financial performance, and involve known and unknown risks, uncertainties and other factors that may cause actual results, levels of activity, performance or achievements to be materially different from any future results, levels of activity, performance or achievements expressed or implied by these forward-looking statements. Investors should not place any undue reliance on forward-looking statements since they involve known and unknown, uncertainties and other factors which are, in some cases, beyond the Company's control which could, and likely will, materially affect actual results, levels of activity, performance or achievements. Any forward-looking statement reflects the Company's current views with respect to future events and is subject to these and other risks, uncertainties and assumptions relating to operations, results of operations, growth strategy and liquidity. Such risks, uncertainties and other factors, which could impact the Company and the forward-looking statements contained herein are included in the Company's filings with the OTC Markets. The Company assumes no obligation to publicly update or revise these forward-looking statements for any reason, or to update the reasons actual results could differ materially from those anticipated in these forward-looking statements, even if new information becomes available in the future.

Posted in: Business,Personal Finance

MyBankTracker Announces Best of Banking Awards for 2019 - Chase, Axos Bank and Alliant Credit Union Among the Best Banks

MyBankTracker.com, a leading financial comparison site that matches consumers to their perfect bank, announced its annual Best of Banking Awards for 2019. The editorial staff analyzed and compared top financial institutions and products throughout the United States across various categories.

MyBankTracker.com increased the number of honors in years past from seven to 13 with additions like the best finance apps, investing tools and robo-advisors. Selections were made by evaluating criteria such as benefits, fees, interest rates, ATM access and other factors.

“When we curated our awards years ago, the focus was on banks,” said Jason Reposa, CEO and co-founder of MyBankTracker.com. “However, with the financial space constantly evolving we decided to change the awards in our tenth year. Now, we not only honor the best banks, but also a variety of financial products that help consumers manage their money on a daily basis such as apps, automated services, and loans.”

Chase took home the award for the best national bank because of its full range of deposit accounts, credit cards, extensive financial services, and investment offerings. The large branch and ATM network and mobile apps also played a part. The best online bank award went to Axos Bank for its free rewards and high-interest checking account, unlimited domestic ATM fee refunds, and no overdraft fees.

Alliant Credit Union was named the best credit union for 2019 for its availability nationwide, lenient membership eligibility requirements, low fees, and competitive interest rates. Four geographic winners were given the honor of best regional bank. Popular Bank received the award for the Northeast with BBVA Compass winning in the South. In the West, Bank of the West received the honor with Huntington Bank taking home the award in the Midwest.

“We’re on a mission - changing the way consumers bank. For years, they had to fit their needs into whatever a bank offered. Now, with tools like the Best of Banking Awards, they can find products to best fit their situation. MyBankTracker.com is putting consumers first,” Reposa noted.

Staff also examined the checking, savings and CD accounts at the biggest traditional banks, online banks, and credit unions to determine which was superior in its product group. Multiple winners were announced in numerous product categories including checking accounts, savings accounts, personal loans, certificates of deposit (CDs), money market accounts, credit cards, brokerages, robo-advisors, money-management apps, tax apps and automatic savings/investing apps. To see the full list of winners and runners-up, visit MyBankTracker.com/banking.

“We want consumers to grow their money in 2019 and decrease charges with features like no-fee accounts - ultimately maximizing their returns. Of course, everyone’s situation is different, so research is key. Not everyone has the time, so our awards can help get consumers on the right financial track to save money in the new year,” Reposa said. “Our advice? Be present. Review your statements. Educate yourself about paying your future you. You’ll likely end up with more money in your pocket.”

The awards were chosen based on various criteria to include fees, interest rates, ATM access and perks. For more information on the methodology and participating banks, visit MyBankTracker.com/banking.

About MyBankTracker 
MyBankTracker.com is an independent financial comparison site to help consumers make smarter banking and financial decisions. The company’s mission is to match consumers with their perfect bank account and other financial tools. MyBankTracker provides and tracks in-depth information on more than 5,000 banks, credit unions, and financial products. Using a combination of technology and money-management expertise, the site equips users with easy-to-use tools to compare interest rates, fees and requirements for deposit accounts, credit cards, and various loans. Follow us on TwitterFacebookLinkedIn and Instagram.

Posted in: Business,Finance Market,Personal Finance

KryptoGraphe is proud to be the first Cryptocurrency Portfolio Manager to be GDPR compliant!!

Dallas, TX: KryptoGraphe is pleased to announce that its cryptocurrency portfolio manager is compliant with the GDPR regulations. The EU General Data Protection Regulation (GDPR) is the most comprehensive EU data privacy law in decades. Besides strengthening and standardizing user data privacy across the EU nations, it will require additional obligations for all organizations that handle EU citizens’ personal data, regardless of where the organizations themselves are located.

The new regulations are designed to better reflect the interconnected nature of our world regarding consumer’s right to privacy, protection of personal data, and business usage of personal data across the European Union.

The team at KryptoGraphe has updated the app to implement the data protection and privacy policies.

  • An updated Terms of Access and Privacy Policy to ensure transparency.
  • The personal data of the user is anonymized.
  • There is a provision to update the personal data
  • The users are now able to export their personal information.
  • The personal data will be deleted from the app’s records should the user choose to close their account.
  • In case of a breach of security, all users will be notified within 72 hours.

Download the app for free at:

Google Play Store

App Store

Our partner and compliance administrator from Hummingwave, Amit Singh says: “KryptoGraphe has been trusted by thousands of its users with their cryptocurrency portfolio information due to its security, privacy, and transparency. Implementing GDPR makes these features so much more visible to users. Recent enhancements let users export their data in a machine-readable format to be used in any other system and to delete their account should they choose to.”

KryptoGraphe encourages safe investing and aims to provide a secure platform to track all cryptocurrency investments.

Posted in: Finance,Finance Market,Personal Finance,Technology,U.S

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