Category Archives: Business

Todd Jarrett Everwise Group On When You Should Consider Debt Consolidation

As a loan officer and debt consultant, Todd Jarrett Everwise Group has developed partnerships with over 100 financial institutes to modify clients’ loans and help them keep their homes when facing possible foreclosure. As an expert in debt consolidation and debt management, Todd Jarrett has witnessed firsthand the benefit of combining multiple debts into a single, larger loan, often with more favorable payoff terms.

Consolidating your debt is one way to save money in the long run, but there are times when this debt management strategy is best. The goal is to manage debt before it becomes out of hand and hurts your credit score and ability to finance other projects.

3 Situations To Consider Debt Consolidation

To lower high-interest rates

High-interest rate debt can make paying over the minimum balance each month more challenging, meaning the principal is barely being lowered. If you have many high-interest-rate credit cards and personal loans, Todd Jarrett suggests debt consolidation to congregate these loans into a financial vehicle with a lower interest rate.

Many people often find it easier to pay one larger debt than many smaller debts – which can help you save thousands of dollars in the long run.

To protect a good credit rating

A part of debt management is maintaining a credit score that allows you to qualify for lower-interest loans. Todd Jarrett Everwise Group specializes in debt management strategies to help clients acquire or maintain better credit bureau reports. And, when you decide to consolidate your debt, doing so with a better credit score means you qualify for better interest rates.

Protecting your credit rating should be part of everyone’s financial management plan, and it means paying off all loans on time and even paying off high-interest loans entirely – as early as possible.

To simplify your financial life

And finally, there is the client with an excellent credit score but numerous monthly payments to different debtors. This financial scenario can be hard to keep straight each month, especially when each creditor has a different payment due date. You can improve your financial life by consolidating many smaller loans and credit cards into one payment.

There are many ways to consolidate debt. Using a personal loan, home equity loan, or balance-transfer credit cards are just some of your options. A debt management and consolidation professional can help simplify the entire process and ensure your chosen strategy is right for you and your family.

Robert Goetschkes – Is the Peace Corps Still a Good Option Today

In 1966, the Peace Corps peaked at 15,000 volunteers, serving in 52 countries. Today, that number is about half, with about 7000 volunteers serving in 60 countries, according to The History Channel. Robert Goetschkes was one of those dedicated Peace Corps volunteers who served for 2.5 years after graduating from college. His Peace Corps travels took him to India, Europe, New Zealand, Australia, and Fiji. Afterwards, he settled in New York, got married, and earned a Master of Arts Degree in Elementary Education, then began his successful career as a teacher for 25 years.

Today, young people leaving college wonder if the Peace Corps is still a good option today! Robert Goetschkes believes emphatically in the benefits of college graduates exploring the world, serving needy populations, and promoting peace around the world. Here are some tangible benefits and opportunities for those considering the Peace Corps.

Robert Goetschkes on Peace Corps Benefits

Obtain field experience matched with your education

As a Peace Corp volunteer, you serve for about 2 years after training in the states. And yes, they do go to lengths matching your education and skills with appropriate field assignments. After that, it’s up to you which geographic region and dates you desire to work. You can leave the Peace Corps with valuable, hands-on experience that is unmatched by corporate employers in the US.

Student loan benefit options

Many college graduates join the Peace Corps to take advantage of student loan benefits, which include:

  • student loan deferment
  • partial cancellation
  • income-driven repayment
  • student loan forgiveness

It all depends on how you paid for college, what Federal or private educational grants you received, and sometimes what type of degree you have received. For more information, Robert Goetschkes suggests you do a little research on the Department of Education’s Public Service Loan Forgiveness (PSLF) Program.


Travel the world and never worry about living expenses

And this is the other popular reason why you should consider the Peace Corps. Where else can you travel the world, free of charge, get paid, and not have to worry about living expenses? The modest stipend would not support living expenses in the US, or in most large foreign cities. But, this can also be a benefit. You learn how to budget and how to spend money wisely. These are skills that many young people entering the workforce have not developed – and often they regret the effects of consumerism on their credit rating.

Robert Goetschkes recommends you at least look into the Peace Corps. You don’t need to know a second language, but after many months or years in a country, you will certainly pick up on the local dialect. Also, you don’t have to worry about medical or dental costs because the Peace Corps adds these benefits for those who volunteer.

What Services and Support Do Mobility Aid Companies Provide?

As we get older or face health issues, simple things like getting around can become more difficult. That’s where mobility aids come in! 

By offering a variety of products and services, companies that specialize in this area provide valuable support to folks who need it most. Whether you’re looking for lightweight walking aids or powerful wheelchairs, they have options to help people achieve greater independence. 

In this article, we’ll take a closer look at some of the specific ways these businesses can make a huge difference. They range from helping customers choose the right equipment to providing ongoing maintenance and troubleshooting when needed!

Assessments and Consultations

When it comes to mobility aids, the best companies out there are all about helping their customers in a really personalized way. One of the ways they do this is by offering consultations with specially trained professionals who can get a sense of what each individual needs. These experts are pros at assessing factors like physical abilities and any unique challenges you might be dealing with. 

With all of this info in hand, they’ll make informed recommendations for equipment that will meet your specific requirements – no cookie-cutter solutions here! They might recommend anything from basic walking aids (like a cane) or crutches right up to fully custom-made wheelchairs designed just for you!

Equipment Provision and Customization

Regarding mobility equipment, the best companies know that one size definitely doesn’t fit all! That’s why they offer a whole range of devices and aids – like canes, walkers, wheelchairs (both manual and electric), and more. And let’s not forget about the customization options! 

These companies are experts at making sure each piece of equipment is tailored to its user. They adjust seat height or handlebar grips, incorporate special features for unique needs, or anything else. It’s all about creating an individualized experience that promotes comfort and functionality. So, people can keep doing what they love with ease.

Repair, Maintenance, and Support

When you invest in mobility aids, you want them to keep working great for as long as possible – and that’s where the best companies really shine! They don’t just sell equipment and call it a day. They offer ongoing repair, maintenance, and support services too. 

If something goes wrong with your device or there are any issues at all that need attention, these companies have technicians who can diagnose and fix problems quickly. Even if things seem to be going well, routine maintenance is always important to ensure maximum performance from your mobility aid.

All of this extra care means users aren’t left stranded when their gear starts acting up! Instead, they can count on uninterrupted mobility, which makes a huge difference. Plus, many of these companies work closely with healthcare providers or other senior living communities. So, people have access to holistic support throughout every stage of their journey towards greater independence.

Conclusion

When all’s said and done, mobility aid companies are the kind of businesses that can make a real difference in people’s lives. For those who need a helping hand when it comes to getting around, these companies provide personalized assistance.

By putting each individual first – taking into account their specific needs and wants – they’re giving people back something priceless: independence.

Daniel Gallagher and the Surprising Danger of Snake Bites in Japan

When you think of the dangers of snakebites abroad, destinations like Australia usually come to mind. But, as Daniel Gallagher experienced, there are also some surprising snake-related dangers among the beautiful islands of Japan. Gallagher had a surprise encounter with a pit viper in his Japan travels, which resulted in a trip to the emergency room and a valuable lesson – Japan’s wildlife can be more dangerous than it first appears. Here’s what avid hikers and travelers should know when they head there on vacation.

How Dangerous Are Snakes in Japan?

As is common worldwide, only a fraction of the snakes in Japan are venomous. Still, some of them can pack a dangerous bite – and like many other island nations, Japan’s snakes can have particularly toxic venom, even for humans.

In 2008, research showed there had been over 1,600 hospitalizations in Japan because of snake bites, with more recent reports showing higher numbers. And like Gallagher, quite a few cases ended up in the emergency room or required surgery. The good news is that deaths are relatively rare – in the study, only three snakebite victims died, all elderly. However, other cases resulted in severe problems like acute kidney injuries.

What Snakes Should I Watch For?

Japan has around 47 different snake species, but as Gallagher experienced, some are far more infamous for venomous encounters than others. Top contenders include:

  • The Mamushi: The Mamushi is the most dangerous snake in the Japanese islands, responsible for most hospitalized snake bite victims. They combine several hazardous features, including grayish/brown camouflage that allows them to hide invisibly in leaf piles or grass, and various habitats, including meadows, woodlands, hillsides, and other areas where people like to hike.
  • The Habu: The Habu is a pit viper found only in the Ryukyu islands. They are substantial for venomous snakes and can reach up to five feet long, with a light olive/brown coloring. While easier to avoid than the Mamushi, the Habu has a particularly dangerous venom that requires emergency attention like the kind Daniel Gallagher received.
  • Tsushima Island Pit Viper: This viper is found only in the forested Tsushima Island. A slim, leaf-patterned snake, this viper is usually content to hide amidst falling leaves and hunt small prey like frogs, but it may attack the odd human who steps on one by accident.

What Should I Do If a Snake Bites Me in Japan?

Sit down, and take several minutes to stay calm and focused. Consider planning your way back or into the cell service range if hiking. Your goal is to contact emergency services as quickly as possible. Japan has ample snakebite experience and keeps antivenoms on hand to handle emergencies. If possible, note the time you were bitten – some recommend marking the bite on your body with a marker if possible. When hiking in Japan, always watch for signs warning that venomous snakes may be nearby.

Anbruggen Capital on The Pros and Cons of Crypto Custody

Dubai: Anbruggen.Capital on The Pros and Cons of Crypto Custody

Anbruggen Capital on The Pros and Cons of Crypto Custody

Cryptocurrency is a digital currency maintained in a decentralized system rather than traditional government fiat currency, which is managed via a central bank. About 16 percent of US adults have invested in cryptocurrency, according to a Pew Research report. Because cryptocurrency is decentralized, users can store their crypto assets themselves. However, doing so is seldom the best option. Using a third-party crypto custodian is often more convenient and safe.

Pros of Having a Cryptocurrency Custodian

Here are some reasons to use a cryptocurrency custodian.

You must stay in compliance 

Institutional investors with customer assets of $150,000 or more must store them with a regulated custodian. According to the Securities and Exchange Commission, regulated custodians are banks, savings associations, and registered broker-dealers.

You don’t like dealing with technology

You must set up your own wallet if you don’t use a crypto custodian. Setting up a crypto wallet requires some technological savvy.

 First, you must decide whether you want a software wallet or a “hot wallet’ that stores crypto online or a “cold wallet” or hardware wallet that stores your currency offline. If you choose a “hot wallet,” you’ll download the app and create an account. The app will provide you with a recovery or seed phrase. If you forget the seed phrase, you won’t be able to access your money. If you write down your seed phrase and someone else finds it, they can access your cryptocurrency. A hot wallet typically makes trading crypto fast but can be vulnerable to attacks.

If you choose a “cold wallet,” you must buy the hardware and download its accompanying software. Then you’ll connect the hardware to your computer. You’ll still need to remember a recovery phrase if you lose your hardware wallet, and trading is slower than a cold wallet. However, a hardware wallet is less vulnerable to attacks.

You are a business

A crypto custodian allows you to distribute responsibilities to several different team members and set limits for each of them. Setting up your own wallet does not allow for this scenario.

Cons of Having A Cryptocurrency Custodian

The only disadvantage to having a cryptocurrency custodian is that you must trust the custodian to keep your assets secure and make them available to trade when you want them.

Anbruggen Capital and Crypto

Anbruggen.Capital is a trading and investment firm. Its team has traded in crypto since 2013 and uses systematic research and analysis to invest and trade digital assets. 

Dr. Gregory Finkelson Discusses How to Get a Green Card By Investing in a California Hotel and Restaurant

Dr. Gregory Finkelson Discusses How to Get a Green Card By Investing in a California Hotel and Restaurant

The immigration investment expert recently explained how to get a green card by investing in a California hotel and restaurant.

Dr. Gregory Finkelson is the President of American Corporate Services and the co-chair of the Business Immigration Committee of China Silicon Valley. He immigrated to the United States in 1991 and understands how intimidating the process of acquiring a green card can be.

Recently, Dr. Finkelson discussed how to apply for an “EB-5 green card” and receive one through investing in a hotel and restaurant in Winters, California.

What Is an EB-5 Green Card?

In the United States, a green card is a common term for a Permanent Resident Card. It allows citizens from outside the U.S. to live and work in the country.

The “EB-5 green card” is technically known as the EB-5 visa. It is the United States investor program offering green cards and numerous U.S. benefits to successful applicants.

How American Corporate Services Can Help

Dr. Gregory Finkelson and his team at American Corporate Services are experts in fast document processing and business support for numerous immigration programs.

Finkelson explained that the United States is a proponent of investments in the country’s economy. The government offers benefits and favors business-minded individuals who are ready to invest. Establishing a business gives immigrants a unique opportunity to establish themselves in the United States.

American Corporate Services (ACS) offers a variety of programs to help business people and their loved ones find ways to immigrate. The following are a few of the many services offered:

  • ACS will set you up with an attorney for a consultation.
  • The attorney will review all documents, create a petition, and file it with the USCIS.
  • ACS will take care of all steps of the relocation process, including creating a company and an account in the U.S., according to the country’s requirements.
  • ACS will prepare a Business Plan.
  • The attorney will coach you on how to perform well in the interview with a U.S. immigration officer. They’ll even accompany you to the meeting if necessary.

Investing in Hotel Winters

Dr. Finkelson suggested investing in a specific California hotel and restaurant as an ideal way to receive an EB-5 green card under his company’s guidance.

Hotel Winters is at 12 Abbey St. in scenic Winters, California, just a short drive from the action of San Francisco and nearby Napa wine country. The boutique hotel and spa are minutes from countless stores, restaurants, wine-tasting rooms, and all the outdoor adventures of the Blue Ridge Mountains.

The project is actively seeking investors. Finkelson and his team are eager to help business people apply for the EB-5 visa and meet all the requirements related to the direct investments made in the Hotel Winters project.

Interested parties can learn more and speak directly with Dr. Gregory Finkelson’s team at www.usa-acs.com.

4 Business Tips For Beginners

Whether you are just starting out running your own business, playing with the idea of it, or you have just gotten a job in business and are feeling a little unsure of anything, you are not alone. 

Not everyone is an experienced business person and it often takes years of experience to get to the point where you really feel comfortable and successful. If you are a beginner in the world of business in need of some tips and tricks to help make your life easier, you’ve come to the right place. Here are 4 business tips for beginners. 

Plan For The Future

Even if you are young and fresh now, one day it will be time to enter retirement and think about what happens next. If you plan for the future now, there will be fewer difficult decisions to make in the future. For example, if you have a plan for how long you want to run your business, and who you may like to run it after you step down one day, that will make things much easier in the long run. 

Get A Mentor

Having an unofficial mentor or someone who is more experienced than you with a few more years under their belt who you feel comfortable talking to and asking questions is a great way to get better at what you do. You can learn from your mentors’ mistakes rather than having to wait to make your own. Having someone like this to lean on will also help with any self doubt you may be having because chances are they experienced the same thing when they were just starting out on their business journey. 

Forgive Yourself

Being forgiving of yourself for any mistakes you make is of utmost importance if you plan to make it in the world of business. You need to be able to have some grace and realize that not everything is going to turn out the way you’d like it to. 

If you own your own business, there are going to be a lot of growing pains in the first few years, but one day you will be able to look back and laugh! Learn to forgive yourself for not always making the most sound business decisions and you will be sure to make better ones in the future.

Take Classes

If you are new in business, you may lack the experience that others may have. However, there is a lot that can be learned within the walls of a classroom too. Consider taking some business classes at your local community college or university to brush up on some business terminology. This may be highly beneficial to you and the future of your career. 

Working in business or running your own is no easy feat, so you should be proud of yourself! As a beginner there may be some uncertainty, but hopefully these tips help you realize that you have much to look forward to. 

Barry Bulakites Offers His Expertise on Retirement Distribution Strategies

Barry Bulakites of Denver, Colorado, Offers His Expertise on Retirement Distribution Strategies

DENVER, CO /2022 / Retirement distribution strategies help retirees make their money last, whether they plan to use it in retirement or pass it along to loved ones. Barry Bulakites is the President and CEO of Table Bay Financial Network. He is an expert in retirement taxation, consulting, and distribution strategies. He recently discussed the top approaches to ensure a more financially secure future. 

 “Properly planning for retirement is essential to enjoying the golden years,” Bullakites said. “For many, strategic planning is the difference between enjoyment and constant financial stress.”

The Importance of Retirement Distribution Strategies

Barry Bulakites explained retirement distribution strategies are essential, but the best options vary from one individual to another. There is no way to tell how long a person will live and what financial struggles they’ll face in retirement. Bulakites explained this is why individuals and couples planning for retirement should review their accounts and strategies yearly with an expert. 

Create a Plan for Withdrawals

A retirement strategy cannot be effective without a plan for how much the individual will withdraw from their retirement accounts each year. Withdrawing too much can deplete the account too early and result in a financial crisis for an individual, their family, and future generations. 

Bulakites recommended withdrawing a fixed percentage from each year. Many financial experts suggest withdrawing 4 percent the first year, then adjusting the percentage yearly based on inflation. A retiree with $1 million in retirement savings would withdraw $40,000 during the first year, then adjust that number to reflect the current inflation rate for the following year. 

Bulakites expressed the importance of choosing a withdrawal percentage with a financial expert and not straying from the less necessary. 

Make Systematic Withdrawals

Financial experts know how easy it is to over-withdraw when simply taking money out of an account whenever needed. Barry Bulakites recommends making systematic withdrawals every month or quarter to ensure the withdrawals are on track with the recommended annual amount. 

Use a Flooring Strategy

Bulakites mentioned another effective strategy for retirees with guaranteed income, such as social security, annuities, and pensions. The flooring strategy involves creating enough guaranteed income to pay for basic needs, such as by purchasing an annuity with an inflation-adjusted income rider. 

Bulakites explained there are numerous lifetime income items on the market now. Some are affordable if purchased at a young age but don’t pay out until later in life. Another way to create a financial floor is to delay the beginning of Social Security benefits. Individuals receive an 8 percent increase in monthly payments for every year they delay. 

Bulakites stated that creating a financial floor provides the peace of mind needed to enjoy retirement fully.

Bulakites and Retirement Strategies

Barry Bulakites is an expert in helping individuals develop the best retirement strategies for their needs. He explained that countless retirement strategies are available, and individuals and families must meet with an expert to choose the best for their circumstances.

Tips for Improving Employee Retention Rates

A low employee retention rate is very bad for business. It means losing out on valuable talent, and constantly incurring costs to train new employees. While you can’t force employees to stay, there are things that can be done to significantly decrease their chances of leaving. 

Here are 4 top tips to improve employee retention rates.

Pay Competitive Salaries

Constantly underpaying employees is a good way to lose them. 

The job market is more transparent than ever, and it doesn’t take much digging for employees to find out if they’re making significantly less than their colleagues in other companies. And once they feel undervalued, they’ll start looking for other opportunities.

To keep talented employees from leaving, it’s important to make sure they’re being paid fairly. The best way to do this is to conduct regular salary reviews to ensure that your employees are keeping up with their industry peers. 

The higher people are paid, the more motivated they are to stay and do a good job.

Offer Fair Benefits 

Employee benefits are another key factor in retention. 

In addition to offering health insurance to cover increasing healthcare costs, retirement accounts to pay for future assisted living facilities, and other traditional benefits, more and more companies are starting to offer things like unlimited vacation days, flexible work hours, and free snacks and drinks.

While these types of perks might seem frivolous, they can make a big difference in employee satisfaction. So, consider implementing less traditional benefits like a lunch service, casual wear days, or a working only from home option.

If your company doesn’t offer competitive benefits, employees will start looking for somewhere that does.

Encourage Professional Development 

Most employees want to feel like they’re doing more than just punching the clock. 

They want to feel like they’re developing professionally and making a difference in their company. If your employees don’t feel like they’re growing in their roles, they’ll start looking for opportunities elsewhere.

To keep your employees engaged, invest in their professional development. A great way to do this is to offer training and mentorship programs. Also, encourage them to take on new challenges and roles. 

The more you can help them develop their skills, the more likely they are to stick around.

Promote a Positive Culture 

Last but not least, employees want to work in a positive environment. Toxic workplace culture is a major turn-off and is often a major factor in employees leaving.

To create a positive culture, start with open and honest communication. Encourage feedback, and make sure employees feel like their concerns are being heard. Then, enforce company policies that promote a collaborative and positive environment. 

If employees feel like they’re part of a positive community, they’ll be more likely to stay.

Following these tips can help you keep your best employees from leaving. Invest in your team, and you’ll see the payoff in lower turnover rates and a more engaged workforce.

WHY SELL YOUR SCRAP GOLD

Are you strapped for cash? Then you can sell your unwatned gold jewellery to gold buyers Brisbane. Nno matter what precious metal you have, a gold buyer will accept it at their shop and pay an excellent rate for your gold based on current market rates.

On the other hand, if you are wondering if you should sell your scrap gold or other gold items? Then look at why it is an excellent idea to sell your gold today.

Gold Will Always Have Value – No Matter if it is Used or New 

Even your broken items are worth money. For example, you may have old gold jewellery pieces lying around. Whether it has a broken clasp, a missing gem, or is unusable, you can sell it for scrap gold. You can sell it to a gold dealer and quickly get 80% – 90% of the market value based on today’s metal price. You can even sell any gold, from coins to bars, if you have them available for quick cash.  

The Gold Jewellery Might Be Worth More Than You Think 

The gold’s value is initially determined by the spot price of gold. As most gold buyers have live prices on their websites, you can watch all the pricing live by the karat. Still, do not expect to get the full value of the gold. The reason is that dealers buy back scrap jewellery under the spot price usually around 90% to the spot price.

Sell Items You Never Use – Your Bank Will Love You 

There is no need to hold onto gold jewellery pieces that are broken and never used. Selling gold to gold buyers in Brisbane will help you declutter your jewellery box and get plenty of cash. You can use the money to buy new jewellery pieces or close up some unexpected financial holes or pay off some debt. 

Selling Scrap Gold to Dealers is an Easy Way to Get Fast Cash 

As you can see, selling scrap gold to a gold buyer will help your get rid of old unused gold items and free up soe cash. First, visit a local dealer who will test the gold for its purity and sort them into carats, followed by weighing the pieces.

Then the sales consultant will determine its value based on the price advertised on their website. If a gold buyer doesn’t offer you the price advertised on their website, it’s best to leave and try another dealer.

When you sell your gold jewellery or other precious metals to a dealer, you can sell them at once to save time instead of trying to sell them privately one by one. You don’t need to waste your energy and time handling the sale. It’s also not recommend to send your items by mail, have them lost in the post, or suffer from fraudulent online transactions. 

Which in itself is time consuming if you need money fast. But, on the other hand, by using a reliable gold buyer, you will get peace of mind knowing that you will receive cash for your scrap gold without all the extra work.