According to Infinity Group Australia and Graeme Holm, the hardest part about a budget is not creating a budget but sticking to a budget. It is especially hard to stick with the budget with a credit card. Therefore, Infinity Group Australia suggests staying away from credit cards and using cash as a way to stick to the budget. Another interesting thing is that it can even be challenging to stick with the budget for people who are using cash. However, people still only spend what they have when they use cash. They also do not find themselves under a lot of pressure because of the huge amount of debt they’ve accumulated.
When figuring out a budget, Infinity Group Australia suggests taking out money that is designated to the budget for the week or the period. This can give people a better idea on what they can afford. When people see a certain item they like, they are more likely to put off the purchase until they can afford it. They may even look at the item and decide that it is ultimately not worth it. They make better choices about the money they spend. They also save more money as a result.
When people use cash for their purchases, they think more closely about the money they spend. Infinity Group notices that paying with cash opens the eyes of a lot of people who are used to just using credit. Credit makes it very easy for people to live beyond their means. As they spend borrowed money, they put themselves deeper into debt which also increases the amount of their bills. People who use cash have a lot less stress because they do not have to worry about any huge bills. They can also rest assured that every item they buy with cash is theirs without owing anyone.
There have been some amazing, groundbreaking inventions in the past 15 years. Promising concepts such as 3D printing, graphene, and blockchain technology are on their way to shaping our futures in tremendous ways we have not yet begun to think about. There is one man, however, who has been thinking about it.
Jed McCaleb has been an instrumental force in the growth of cryptocurrency, which is an offshoot of blockchain technology. Cryptocurrency uses the main property of blockchain technology, which is to keep records of information safe and secure by confirming transactions within the system. It is the financial version of a technology that will also power medical records, votes, government services and many other applications.
Jed McCaleb is currently the chief technology officer of Stellar, a company that intends to create a network that facilitates cross-border payments between government-backed currencies such as dollars, pounds, and euros. It has gained the attention of large companies such as IBM, who wants to use the Stellar system to make cross border transactions available to banks.
Before joining Stellar, he was instrumental in the running and the technical infrastructure of the famous Bitcoin exchange Mt. Gox. He was also the founder of Ripple, a cryptocurrency which is now the third largest cryptocurrency. He has been there throughout blockchains growth so he understands what it takes to build a cryptocurrency company.
Jed McCaleb enjoys seeing the growth and the innovation that has been coming out of the blockchain industry in the past few years. He mentions how initial coin offerings, or ICOs, are revolutionising how companies can raise money and involve their investors in the process of their growth. Stellar’s own cryptocurrency, known as lumens, are trading at 23.8 cents at the time of this publication.
Initial coin offerings have done very well so far, raising over 9 billion in 4 years. These coin offerings can be used to back a specific project, as a marker for a specific asset, or as a record for a monetary or other economic transactions between individuals and companies. It will be exciting to see what these new entrepreneurs come up with.
Fortress Investment Group is an investment giant founded in 1998 with a group of 3 individuals who had gathered enough experience in the financial industry. The three investors include Wesley Edens, Rob Kauffman, and Randal Nardone a Connecticut University graduate with a degree in English. He also attended Boston University School of Law for his LLB honors.
Randal Nardone’s career took off at Thatcher Proffitt & Wood as a partner in the legal department. While working at the law firm, he developed an interest in Financial investments and thus maneuvered his way into the industry starting as the principle of Blackrock Financial management. Randal later moved to become the managing director in the Union Swiss Bank (USB). The Forbes listed him as one of the wealthiest men on earth with a net worth of approximately $1.8 Billion coming up in number 557. He has served across eight boards in 20 different organizations in one of the prominent roles.Randal Nardone is the chairman of Springleaf Reit Inc. and Springleaf Holdings Ltd, the director of Eurocastle Investments and Florida East cost holdings and the Chairman of Fortress Investment Group.
In Fortress Investment, he works with a team of more than 2500 employees who in their opinions say, Randal Nardone is a team player and one of the most relaxed individuals to get along with. Together with his partners and his team, he has seen the organization into bugging several wards like the Management Firm of the year award and the Hedge Fund award. They have managed assets for over 1750 clients across the world, advising them on their property management and investment plans.
When the company decided to sell its shares to the Softbank Group, Randal Nardone supported the move saying it was what they needed as an organization considering all their private equity assets were dragging. He added that it was a calculated move that would help them maintain their clients because they will have more assets. Despite being kicked out of the New York Stock market, the SBG let the Fortress operate independently holding on to the existing leadership, staff, and culture with its headquarters in New York.
Richard Dwayne Blair
Richard Dwayne Blair is famous in the world of finance for founding Wealth Solutions. While establishing this firm, Richard Blair had an objective of making a significant difference in the lives of individuals, small entrepreneurs, and families. Wealth Solutions is a registered firm that provides financial advice and investment opportunities to families, individuals, and small business owners. Richard realized that he could use his financial knowledge to impact the financial situations of individuals. Thus, after graduating from college, he ventured into the financial industry in 1993. He solely found Wealth Solutions in 1994 to provide professional and personal services to clients.
With more than two decades in the financial industry, Richard Dwayne Blair has specialized his experiences and expertise in retirement planning. He assists his clients in bridging the gap between planning and living in retirement. His primary objective is to assist his clients in realizing a successful retirement by helping them avoid common mistakes and providing strategies.
Three Pillar Approach to Financial Planning
According to Richard Dwayne Blair, every individual needs a strategic plan to achieve their financial goals successfully. At Wealth Solutions, Richard Blair provides retirement and planning to his client by providing a financial roadmap that will help them for the rest of their lives.
For Richard Blair to come up with a comprehensive plan, he follows a three-pillar approach. It gives him an ideal opportunity to assess the client’s financial situation and thus can formulate an appropriate strategy.
The 1st Pillar
According to Richard Dwayne Blair, the first phase is imperative to the entire process. It is used to design a client’s financial roadmap. Here, Richard assesses the strengths, goals, risk tolerance, and weakness of a client. This phase enables Richard to build a healthy relationship with the client. Thus, he gains a more profound understanding regarding the concerns and the goals of a client.
The 2nd Pillar
Once he has realized the goals and concerns of a client, he designs a long-term investment strategy that is tailored with regards to the expectations of a client. Richard Blair manages the client’s assets to ensure performance.
The 3rd Pillar
The final stage is for implementing and monitoring the client’s financial goals by tracking their expectations and goals.
You do not have to listen to those who tell you that your financial planning has to be extremely complex. That is simply not the case. The reality is that you can choose to take a simpler path that still gets you to the Promised Land as far as results go. That is what Richard Dwayne Blair teaches, and he believes it to be true.
One of the executives at Wealth Solutions Inc, he has a lot of experience dealing firsthand with people who need some help as far as their wealth goes. He knows how to coach them on what they should and should not be doing with their money. His approach has proven effective for a great number of people all around the world, and it continues to help grow out the company and make for a better life for those who consult with him.
Creating a plan is the first pillar in the approach of Richard Dwayne Blair. He says that if you do not know what you want out of your financial planning then you will never bother to plan in the first place. This is a time when dreams are allowed to come to the surface, and people can speak their minds freely and without judgement about what they want.
Making investment plans to reach those goals is the second pillar of this plan. Richard Dwayne Blair says that this step is critical because it is going to be a little different for every client. Some need very conservative investments to help protect their capital while others need to throw it all to the wind and take some chances. It is mostly a matter of what the person comes forward saying they want to do.
Finally, it is important to listen to Richard Dwayne Blair on the third pillar which he says is about putting the plan into action and then watching how it works. He knows that it may be boring at times to just idly sit there and watch your investments move, but he promises that this pillar will get you to where you want to be in your financial life. He truly believes in the value of each step of the process.
Find out more about Richard Dwayne Blair: https://about.me/richardblair
Whitney Wolfe Herd is the CEO and founder of Bumble: one of the fastest growing mobile dating apps on the planet. She was born in Salt Lake City, Utah in 1989. She later attended Southern Methodist University in Dallas, Texas where she majored in International Studies. After college she began working with Chris Gulczynski on a dating app called Tinder in 2012 at the age of 22. She became the vice president of marketing for Tinder about a year later. In 2017, she married oil heir Micheal Herd in Italy.
Called the queen of dating apps, Whitney Wolfe was a successful entrepreneur. In 2014 she moved to Austin, Texas and began developing ideas for a new dating app called Bumble. Her aim was to create a safer dating experience that put women first to protect against malice behavior online. Bumble is now the fourth most popular dating app on the market. Her site has just recently developed a new feature called BFF that uses the same algorithm of the dating site, but for friendships. The app also includes a feature known as Bizz profiles for women to add resumes and work related information to find healthy, mentoring, business relationships.
— Bumble (@bumble) June 5, 2018
Recently, Whitney Wolfe has received much harassment after banning pictures of guns from her website after the tragic shooting at Douglas High School in Parkland, Florida. Receiving a large amount of death threats, she eventually needed policemen stationed outside her office from the controversial decision. Her and her team later explain gun violence does not fall in line with their values nor does the showing of such weapons on Bumble.
28 year old Whitney Wolfe also travels with a bodyguard after her company was the victim of a cyber-attack last Summer. The FBI was forced to step in after her staff info was posted on a neo-Nazi website encouraging continued harassment. Whitney Wolfe believes the attack was aimed towards the feminist idealism of her website. The attack took place shortly before a white supremacists rally in Charlottesville. Billion-Dollar Bumble: How Whitney Wolfe Herd Built America’s Fastest-Growing Dating App
The Academy of Art University, San Francisco, California, is a school of art previously known as the Academy of Art College. The university is privately owned and was founded by Richard S. Stephens in 1929 as an Academy of Advertising Art. Currently, the institution has around two hundred and eighty-three full-time teachers with over one thousand one hundred and fifty part-time teaches and approximately twelve thousand six hundred students. The university is the largest privately owned art school in the States.
At Academy of Art University, they admit all students who are interested in joining and the admissions are always open. The university accreditor had concerns about the low graduation rates at the University at 2016 with only about seven percent of the students completing the course of the four years at the allocated time which the management seems to handle in the coming years. The main campus of the university is located at the New Montgomery Street, South of Market district.
The university showcased its wealth of talents in the New York Fashion Week a platform where new skills are always exposed to the limelight during its launch. Often such platforms are rare and hence getting an opportunity to be involved in such is an excellent opportunity for the industry of fashion. On September 9, 2017, Academy of Art University had a chance to present its talents at twenty-one times in a row in the concert at Skylight Clarkson Square where the style was the thing of the week. During the show, ten recent BFA and MFA graduates presented five women’s clothing and two men’s clothing together with two collaborations.
The designers came from different parts of the world ranging from China to coastal Maine and a few distant places which brought about different ideas and techniques giving tastes to the fashion trends. The audience present was impressed with the exceptional craftsmanship behind the designs. Among the attended guests was the legendary Ms. J Alexander of America’s Next Top Model as well as Sara Kozlowski who is the Director of Education and Professional Development at CFDA. The models fit well in their attires, and the future of fashion was well presented.
Find out more about Academy of Art University: http://www.academygalleries.com/academy-galleries/about/contact-us.html
Illegal immigrants are known to have a hard time transitioning to American society. Some are allowed to stay, eventually becoming American citizens. Most are sent back to their home countries. Despite these stressful situations, the children of these people often go through greater turmoil. Children are often confused, unable to understand why they are being detained and treated so harshly. Read more: Jim Larkin | Twitter and Jim Larkin | Crunchbase
If you sympathize with these children and want to do something to benefit them, below is a list of organizations you can work with to bring positive change to these children’s lives.
Young Center for Immigrant Children’s Rights
This organization understands how important children are for the future of the country, and it doesn’t matter where those children come from. Everyone has heard about Donald Trump’s eagerness to separate children form their parents; the First Lady has even spoken up about her protests of the practice.
The Young Center for Immigrant Children’s Rights lobbies to stop children from being deported back to their home country. A child’s parents may be missing after crossing the border, and when they are sent back, there may be no one in their home country to take care of them.
This organization lobbies and spreads awareness of the important issue of child deportation.
The Frontera Fund
While this organization doesn’t focus 100% on children, it does have an interesting origin story.
After their multi-year journey trying to expose Joe Arpaio, the former Sheriff of Maricopa County, they decided to assist the primary victims of Sheriff Joe: Hispanics. Now, The Frontera Fund is one of the premier charities in Arizona, working to help immigrants.
The Frontera Fund provides educational tours via a long list of other charities. The Frontera Fund also has educational material on their web page for anyone who is interested to read. The website also features a news section that focuses on the ever changing immigration policy.
Michael Lacey and Jim Larkin also run Front Page Confidential, an alternative newspaper that continues to expose corrupt Republican politicians.
Families for Freedom
This organization was founded back in 2002, and is based in New York. This organization is made up of people who used to be victims of the immigration process, so they know exactly what people go through who are forced into detainment. Families for Freedom intends to change laws through social awareness and lobbying.
They provide a voice for people who are ignored within American society, and they are attempting to provide better lives for families who cross the border illegally.
Learn more about Michael Lacey and Jim Larkin: