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Get more cash guides 2021 by investment executive expert Farrukh Kazmi? Making investing as simple as possible, regardless of your portfolio size, is a sound, research-supported approach. This means holding a few low-cost, broad-market index funds and sticking with them over the long run. For example, you could opt for a total stock market fund, a total international stock fund, and a total bond market fund — otherwise known as the “three-fund portfolio.” The central benefit to holding fewer investments is that once you’ve purchased the funds in the right proportion and set dividends to reinvest, there is no further action necessary other than to rebalance the account once or twice a year.

The vaccine rollout and large fiscal stimulus have upgraded our conviction in the cycle component of our cycle, value, and sentiment (CVS) investment decision-making process. Global equities remain expensive in early 2021, though the very expensive U.S. market offsets better value elsewhere. Sentiment is close to overbought, but not near dangerous levels of euphoria. The strong cycle delivers a preference for equities over bonds for the remainder of the year, despite expensive valuations. It also reinforces our preference for the value equity factor over the growth factor and for non-U.S. equities to outperform the U.S. market.

A company’s ability to sustain healthy dividend payouts is greatly enhanced if it has consistently low debt levels and strong cash flows, and the historical trend of the company’s performance shows steadily improving debt and cash flow figures. Since any company goes through growth and expansion cycles when it takes on more debt and has a lower cash on hand balance, it’s imperative to analyze their long-term figures rather than a shorter financial picture timeframe. In order to ascertain the investment merits of gold, let’s check its performance against that of the S&P 500 for the past 10 years. Gold has underperformed compared to the S&P 500 in the 10-year period ending Jan. 26, 2018, with the S&P GSCI index generating 3.27% compared to the The S&P 500, which has returned 10.36% over the same period.

A stock (also called a share) is a part of ownership in a company. It represents a claim on the company’s assets and earnings and what that entitles you to do is to attend the Annual General Meetings (AGMs) and dividends payout if declared by the company. So essentially by buying into this company, you are betting that the management team and company fundamentals are able to get you more returns. Bonds are debt instruments in which investors effectively loan money to a company or agency (the issuer), in exchange for periodic interest payments, plus the return of the bond’s face amount, once the bond matures. Bonds are issued by corporations, the federal government, and many states, municipalities, and governmental agencies. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

An exchange-traded fund (ETF) is a collection of securities—such as stocks—that tracks an underlying index. The best-known example is the SPDR S&P 500 ETF (SPY), which tracks the S&P 500 Index. ETFs can contain many types of investments, including stocks, commodities, bonds, or a mixture of investment types. An exchange-traded fund is a marketable security, meaning it has an associated price that allows it to be easily bought and sold. An ETF is called an exchange-traded fund since it’s traded on an exchange just like stocks. The price of an ETF’s shares will change throughout the trading day as the shares are bought and sold on the market. This is unlike mutual funds, which are not traded on an exchange, and trade only once per day after the markets close.

Whilst this isn’t necessarily an easy way to make money, investing in stock markets can be lucrative if you learn to do it properly and safely. By the same token, you may suffer significant losses if you don’t take it seriously. Today there is no need to fund the yachts of Wolf of Wall Street style stock brokers. You can do it all yourself with the help of online market trading platforms. Having spent many hours researching this new opportunity, I’ve been experimenting with the two biggest platforms: Plus500 and eToro.com. Both offer free practice accounts. Overall I prefer eToro with over 8 million users worldwide. It has been featured in a BBC 2 documentary “Traders: Millions by the Minute” and recently began sponsoring several Premier League football clubs.

From managing every aspect of your personal or business financial life to simply suggesting directions, there are specialized professionals available to help. Reasons to Seek Financial Advice You may need an advisor for many reasons. For example, perhaps you just received a considerable sum of money from a relative who died or a windfall from the state lottery. As a person goes through different stages in life, their need for a financial professional will change. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. Find even more details at Farrukh Kazmi.

Money management and personal finance can be touchy subjects. Many people experience a lot of anxiety when they think about their financial lives, both as they are today and how they may look in the future. Maybe you didn’t start saving for retirement as early as you’d hoped or perhaps you didn’t get an emergency fund in place and ended up in debt. Whatever your circumstances, deciding to take control of your situation now is always the best choice.

Gold retains its value not only in times of financial uncertainty, but in times of geopolitical uncertainty. It is often called the “crisis commodity,” because people flee to its relative safety when world tensions rise; during such times, it often outperforms other investments. For example, gold prices experienced some major price movements this year in response to the crisis occurring in the European Union. Its price often rises the most when confidence in governments is low.

Sequoia Slentz and the climb of a event planning expert? During a comical fiasco that occurred while setting up for a stand-up show in Chicago (which involved a belligerent Beetlejuice, a bridal party and a video camera), the idea for a reality show suddenly occurred to Slentz. “I thought to myself, this is even funnier than the real show,” he said. “I’ve got to find a way to make a reality show.” He pitched the idea to Third Floor Films producer Michael Maccarone (who also played the child version of Stern in “Private Parts”) who decided it was film-worthy.



Sequoia Slentz profile in 944 Magazine : The room was full of good looking girls with laptop computers trying to look professional, but coming across more like cold and aloof. FYI, 944 is run by ice queens. So, buy the magazine if you feel compelled to read the profile, but for those of you too financially poor (and emotionally rich) to buy a magazine devoted to shallow, wannabe celebrities, here is a brief synopsis: Sequoia booked local bands in Laguna Beach, met Bob Levy of the Killers of Comedy, created a reality show, sold reality show to HowardTV, show airs in November, end of story.

About Sequoia Slentz: Owned and operated CleanBox Entertainment since 2001. Over the past 4 years we have produced major live events nationwide. My company created a television show which was licensed to Howard TV in 2009. We are interested in all ideas. Specialties: Designing, Manufacturing, Merchandise, Producing Live Shows, Creative Marketing on a budget, Event Planning.

Sequoia Slentz creative marketing advices: I’ve worked on outlining these learnings over the past few years, adding a bits and pieces of what I’ve found helps make my shows successful, and now present it as my ten tips for producing live events. If you are the event producer you need to communicate directly with the main client. Most executives and professional speakers have handlers, communications staff who write their material and maintain their messages, admin staff who directly support them and maintain their schedules and a variety of reporting staff, directors, managers, leads, you get the point. There are layers between you and the main client, who in the end, is whom you are working for.

Sequoia Slentz on Covid-19 times and the entertainment industry : What is the future of the music industry over the next few years? The music industry is constantly changing, though the pandemic definitely threw a curveball for live music. What I believe is that artists need to stay focused on their principles. Of course, no one knows what the future will be like, besides more streaming and technology innovations. Still, we can focus on sound principles such as creating great songs, great video content, staying engaged with one’s community, and focusing on mental and physical health. When things start to open again, artists that spent their time wisely will get a jump on their careers because they focused on their music and marketing their brand when they couldn’t do much else. I believe that people will be more excited than ever before about live music since we’ve been starved of it for the past couple of months.

Killers of Comedy & Sequoia Slentz : We travel around the country with the Killers, meeting super fans everywhere we go. When you hang out with Beetlejuice before a Killers show, you feel like you’re hanging with freak show royalty. Everyone recognizes him and everyone loves him. But the best part of all… we got it all on tape.

Large dildos and top adult shopping? It’s supposed to happen wildly for couples if they have a Christmas gift on the crazy side! Your wife wants to spoil you, so take advantage of this time. Decadent food donations including sweets, wraps of chocolate, jewels, lingerie, roses, plates, romantic dumplings, sex toys and wine are all popular gifts for males and females because they are very lavish to make you feel odd. Even if you’re not a fancy or luxurious lover, you’re expected to embrace and appreciate these donations. Only relax and let him make you feel relaxed! Regardless of the gift, his motives have been good. Peaches and Screams offers sexy Christmas gifts of all kinds for couples.

Dating people guides: There’s no rush to meet potential partners instantly. Building trust and a rapport with someone takes time, and there’s absolutely nothing wrong with taking it slow. Exchange a good amount of messages and really get to know each other online before you meet offline. Salama also emphasizes; ‘Don’t be discouraged. It’s pretty rare to meet the perfect person instantly, and that’s for the best! You can improve your seduction skills and also get to know more about what it is exactly that you want. Maybe something will come to light that you didn’t realize before.’ And maybe you’ll find that trying to force a flower to bloom will kill that flower, so remember, patience pays off in the end.



But then—success! Someone “likes” me and asks me out within three messages. He’s into photography and makes his own pasta—and he is an Adonis. We have a short phone call, as Hoffman recommends, to set something up. His voice is velvety, but I’m skeptical. That’s online dating: You meet the freakazoids and think, This is the worst. You find someone great and think, Am I going to be on the next episode of Catfish?

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“When choosing a profile photo, look for a picture in which you have a genuine — not forced — smile and a slight tilt of the head. Research has found that both of these features are related to positive first impressions. Also, if you’re planning to include a group photo on your profile, go for pictures where you’re in the middle and everyone looks like they’re having a good time. After all, you want to give the impression that you’re someone people like to be around.” —Justin Lehmiller, Ph.D., research fellow at the Kinsey Institute and author of the “Sex and Psychology” blog.

You shouldn’t do this offline either, of course, but the temptation to fantasize can be even greater when you’ve met someone online. After all, in his profile he claimed to be looking for a relationship (and why would he be online unless he really wanted to meet someone?) What more do you need? Answer: a lot. Sometimes we get so tired of dating that we just want to be done with it, rush into the next thing: the relationship. But getting too attached too soon is often the worst thing that can happen to a budding connection. It tends to dampen flirtation or scares off your counterpart. After a few dates, you are still getting to know each other, no matter how perfect he or she seems. To become too attached suggests that you are projecting a fantasy onto the other person.

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The climb of a healthcare strategic planner expert : Lecia Scotford? Hundreds of millions of dollars in construction spending is being invested in healthcare facilities around the state, most of it in Anchorage and the Mat-Su, though a new dental facility was recently completed in Dillingham. Dillingham Home to New Dental Facility Bristol Bay Area Health Corporation, or BBAHC, in September opened doors to a new, state-of-the-art dental health facility and administrative complex in Dillingham. The facility is located on the grounds of the Kanakanak Hospital and will serve the region. The dental clinic project can be attributed to BBAHC Chief Operating Officer Lecia Scotford, MD, as well as her talented projects department team.

The project took two years from beginning to end. The business plan was created during the summer of 2014 and was approved that fall. The team broke ground in June 2015. The building was completed and operational in September 2016. The building design was a partnership between BBAHC, architectural firm Livingston Sloan, and its engineering consultant teams as well as initial assistance from the Alaska Department of Environmental Conservation. The 15,531-square-foot, two-story building meets the US Green Building Council’s Leadership in Energy and Environmental Design standards, meaning it uses less water and energy in order to reduce greenhouse gas emissions.



The building insulation exceeds design requirements for the area and is complete with energy efficient windows. The foundation is built to withstand a 9.2-magnitude earthquake with minimal damage. The first floor is entirely for dental services. The clinic is ultramodern, complete with hightech equipment and twelve brand new operatories, up from seven chairs that were previously divided between the dental annex and an extra room in the Kanakanak Hospital. The second floor is occupied by administrative support staff, including a business office, finance department, and an area for medical records. Alaska Regional Hospital Renovation Alaska Regional Hospital in Anchorage got a $70 million capital grant from HCA, its parent company, in 2014. The money paid for a complete facelift for the seven-floor, nearly 330,000-square-foot building. Tina Miller, chief operating officer at Alaska Regional, says no beds were added to the facility during this upgrade, but the facility will feel refreshed, have more efficient features such as new boilers and generators, and has new equipment to better serve its customers.

December 2016 www.akbizmag.com unit and seventh-floor orthopedic and spine unit renovations, as well as the family birth center. Roger Hickel Contracting Inc. was the general contractor for the medical/oncol – ogy unit and the common area and hallway upgrades. Additional local contractors who worked on the hospital’s extensive renovation include KC Construction, Superior Plumbing & Heating, and Haakenson Electric.

Bristol Bay Area Health Corporation P.O. Box130 Dillingham, Alaska 99576 Lecia Scotford, MD, MHA; lscotford@bbahc.org Executive Vice-President and Chief Operations Officer Testimony for the House Natural Resources Subcommittee on Indian, Insular and Alaska Native Affairs regarding H.R. 4289 May 18, 2016 The Bristol Bay Area Health Corporation (BBAHC) is pleased to appear before this Subcommittee in support of H.R. 4289, legislation introduced by Representative Don Young which would require the Secretary of Health and Human Services to transfer certain Indian Health Service (IHS) property to BBAHC by warranty deed. The property is critically important to BBAHC’s construction and operation of a new free-standing dental clinic.

The BBAHC is in the process of constructing a new, modern, up-to-date facility that will be available later this year to provide significantly more dental services to BBAHC’s 8,000 member service population. We note that Senators Murkowski and Sullivan have introduced a companion bill, S. 2421, and we thank our entire delegation for their support on this matter. Both bills also include a warranty deed transfer provision for the Tanana Tribal Council. BBAHC has for many years carried out a comprehensive health care delivery program at the federally owned Kanakanak Hospital compound in Dillingham. BBAHC has done so on behalf of its member villages in accordance with the Alaska Tribal Health Compact and Funding Agreements with the IHS under the Indian Self-Determination and Education Assistance Act (ISDEAA). These services include dental care.

Even if BBAHC were to use its own funds or other third party funds, the quitclaim deed requires IHS permission for any major change or improvement in the property. IHS justifies its position by claiming that all transfers of federal property to ISDEAA contractors and compactors must be made under the FPASA and GSA rules. This position, however, is contrary to the GSA regulations at 41 C.F.R. § 102-75.110, exempting transfers of real property from the FPASA and GSA rules if the transfer is authorized by a special statute that directs or requires an Executive agency to transfer or convey title to specifically described real property in accordance with the provisions of the statute.

The Secretary will retain any and all liability for environmental contamination in existence on the property prior to the transfer of title to BBAHC. Language is included to provide the Secretary with and easement and access to the property as reasonably necessary to satisfy any retained obligation or liability of the Secretary. Finally, the Secretary must comply with the notice of hazardous substance activity and warranty requirements of the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA).

Limit the Number of Communication Channels: According to a study published in, ‘the’ journal of hospital medicine stated that most doctors spend 25% of their time using communication channels. It’s the sheer responsibility of hospital managers to simplify the communication processes by reducing the number of tools, and as they play a significant role in the effectiveness of hospitals. Dr. Lecia Scotford is a results oriented and experienced healthcare strategic planner. Skilled in communication, performance optimization, interpersonal ssing and implementing dynamic changes effortlessly.

Moringa flower honey from bluegoldworks.com? There are nine different Moringa tree species in Southern Africa, north-eastern Africa, Madagascar and India. However, the only endemic Southern African Moringa species is the Moringa ovalifolia. This tree naturally grows in Namibia. It extends from the escarpment mountains northwest of Keetmanshoop to the Kaokoveld in the north. Even as far as in southern Angola. It often grows alongside the Baobab tree, and its habitat consists mainly of the desert or arid savannah vegetation. These trees can grow up to 7m tall, with soft whitish bark, oval leaves and long triangular seed pods. Here at The Growcery Camp, we have been able to cultivate this specific species of Moringa from seed. The seeds of our Moringa Trees are the Moringa waterhole at Halali in Etosha National Park, Namibia.

Products from the Moringa tree are well known for their antioxidant, anti-aging and anti-bacterial qualities. Blue Gold Works provides African farmers with a market for source verified, organic Moringa oil and Moringa honey for export to high end cosmetics firms. By year 5, Blue Gold Works will return revenue of $9 million directly to the farmers. We also educate and support the farmers’ efforts to remain organic and improve the soil and environment. Farmers working with Blue Gold Works will have planted an additional 600 hectares of Moringa trees, sequestering 44 million pounds of CO2 per year. Find additional information on Moringa flower honey.

In villages from Sudan to the Himalayas, seeds of the Moringa Oleifera tree have been used for centuries to purify water. Recently, research has shown this inexpensive, plentiful, biodegradable substance capable of much more. BGW allows women waterpreneurs in Africa using our plant-based filter to treat and sell drinking water that is safer, less expensive, and more convenient than all competitors. We make money by professionally managing the supply chain of added-value Moringa products (organic Moringa oil and monofloral honey) from our African farming cooperatives to Western premium skin care brands.

Andrew Cromarty is Chair of BGW’s Board of Advisors. Dr. Cromarty has a proven track record in management & operations, product and service delivery, new technology creation, intellectual property evaluation, business model refinement, and team building and leadership. His professional experience includes product/service design, definition, development, and delivery; R&D and IT management; project, line, and corporate management; and corporate strategic partnering, staff management, public relations, technology transfer, and intellectual property management. He has managed development of a wide range of systems from research prototypes through commercial products and services. Dr. Cromarty has served as board member and chief officer of companies ranging in size from technology startup through billion-dollar publicly-traded corporation spanning broadband, satellite / wireless, entertainment services, corporate venture capital investment, and investment banking. Presently he is Chairman and President/CEO of Heath Company (Heathkit®), a century-old electronics manufacturing firm.

While the coconut has gained the reputation as the “Tree of Life”, it is difficult to dispute the life-giving properties of what is now called the “miracle tree.” These “miracles” of people recovering from disease while enjoying the medicinal effect of moringa, are thought to come from the dense nutrients found especially in moringa oleifera leaves. Much of this is said to come from its various antioxidants—not just its vitamin C and beta-carotene—but also from its having quercetin, chlorogenic acid, and even chlorophyll. Evidence that these antioxidants are making a practical difference come from a study (Kushwaha et al. 2014) of women taking 1.5 teaspoons (7 grams) of moringa leaf powder every day for three months. In the end they showed significantly increased blood antioxidant levels. Taking advantage of moringa extracts is not limited to people living in disadvantaged regions. It is a medicinal plant that benefits people in all corners of the planet. Find even more information at https://www.bluegoldworks.com/.

Wedding organiser services in Ireland with PartyPros? Look after the whole party! Not only can we look after the whole party for you, we can also arrange the food, waiting staff, bar staff and even the alcohol that you might serve on the day/night. We work with fantastic wine suppliers who sell exquisite wines to us at a wholesale price – we then pass these savings on to you. We also buy all of our spirits and beers for our clients in wholesalers, thus saving a huge amount on beer and spirits too.

There is no question that virtual reality is one of the most popular emerging trends in modern age. It can provide authentic experiences and deeper insights into any product or event. Virtual reality can also make your next event a huge success! A few industries that are implementing VR techniques are real estate, gaming, and healthcare. By using virtual reality as a fun and innovative solution, you can make your event unique while keeping your attendees engaged. VR (virtual reality) gaming is the application of a three-dimensional (3-D) artificial environment to computer games. Virtual reality environments are created with VR software and presented to the player in such a way that they overlap the real-world environment, creating suspension of disbelief and helping the user experience the VR environment as real. You can play VR games at home but, usually, the hardware that are available for regular individual clients is not very good. Good VR equipment is expensive , that’s why there are locations that offers VR play on extremely good equipment. Think about it like the today’s internet caffee’s of the past.

When we have decided on the best marquee option for you, we will then discuss other options such as additional decorations, bar, catering, waiters or waitresses, decorations, lighting and entertainment. The number of guests and the space that we have to work with, will depend on the size of the marquee or gazebo. To receive a competitive quote, just get in touch with us and if you have a photo and dimensions of your garden, we can quote without a site visit. If you need us to come to your home to quote, we will do this with pleasure however we do charge a call out fee of €100 which will then come off your total, if you go ahead with our quote and ideas. We are experts at creating atmospheric and memorable events and parties and we would love to hear from you, so contact us with any questions and we will come straight back to you. Discover even more details on marquees.

Corporate summer events are a really welcomed way to enjoy at least one summer day with your colleagues during the brighter and warmer season. Whilst we cannot guarantee the weather to be warm or bright in Ireland for your annual summer event, we can recommend the best ways to let your hair down with your fellow comrades without the weather being an issue on the day. The Party Professionals are accredited private party and event management specialists. With over 14 years of experience in private party event management planning, we strive to offer great service, competitive prices and expert advice to every client.

Organising corporate events or parties can be stressful for the person assigned to this task and that is why you bring in the professionals to help. Since 2008, The Party Professionals have been managing events for small, medium and large enterprises in Ireland and abroad to guarantee a highly creative and professional service. We understand the needs of our clients and we will work alongside of you to make all ideas happen seamlessly on the night. If you want to entertain your staff or clients, or motivate and reward your team, we will share our expertise and knowledge, whether it’s a conference or celebration, a Christmas party, team building, a small office party or large summer party, The Party Professionals have all the tools, skills and advice for you to know how to wow your guests, keep within your budget and design a carefully thought-out plan for your next corporate events. Read more information on https://partypros.ie/.