The emirate of Ras Al Khaimah has seen renewed growth and economic vigor over the past several years. Once almost an afterthought in the United Arab Emirates, Ras Al Khaimah has seen electric growth thanks to its burgeoning tourism industry as well as the leadership of His Highness Sheikh Saud bin Saqr al Qasimi. Thanks to intensified efforts to cultivate the tourism sector, Ras AL Khaimah has reported a growth of 4% in total annual visitors since 2018, hitting 1.12 million in 2019. Let’s take a closer look at why Sheikh Saud has been so effective at building Ras Al Khaimah as an international destination.
First and foremost, Ras Al Khaimah is one of the only emirates in the UAE that was not afforded the luxury of a rich oil industry. Without natural reserves of oil to boost the economy, Ras Al Khaimah has had to instead diversify its efforts in a number of different areas. Traditional economic sectors in the UAE include real estate development, manufacturing, agriculture, and the production of building materials.
Ever since Sheikh Saud renewed his focus on tourism, that sector of the economy has grown faster than all other aspects. Sheikh Saud has worked with the Ras Al Khaimah Tourism Development Authority to turn Ras Al Khaimah into an international destination for entrepreneurs, tourists, and expats alike. This entire process has been wrapped into a three-year development strategy that was implemented by Raki Phillips, the CEO at Tourism Authority. Phillips believes that the continued support of destinations like the Jebel Jais Zipline and the Ras Al Khaimah marathon as integral to said growth, among other events.
Visitors to Ras Al Khaimah are going to want to keep their eyes open for a few key destinations during their travel. With tax incentives in place, support for locations like the Ras Al-Khaimah National Museum and the Khatt Springs both create wonderful and welcoming experiences for travelers and tourists alike. Ras Al Khaimah is also well-known for its rich past and deep affinity for culture. Historical hotspots like the Dhayah Fort and the rustic fishing village of Jazirat Al Hamra allow for an up-close look at where the growing emirate has been.
In a report released by the Tourism Authority team, visitors to Ras Al Khaimah came from all over the world. The largest increase in visitors from a specific country would go to Russia, India, and Kazakhstan. Russian tourists in Ras Al Khaimah increased by 13% while Kazakhstan hit 15% and India hit 10.5%. Tourism Authority CEO Phillips believes that these numbers will continue growing as the country plunges forward with its three-year plan. In the coming years, Ras Al Khaimah is expected to add north of 6,200 hotel rooms from high-value brands to the emirate. According to the tourism authority board, Ras Al Khaimah is angling for more than 1.2 million visitors by the year 2021.
While Ras Al Khaimah is experiencing incredibly positive growth, concerns regarding the coronavirus will likely inhibit progress throughout all of 2020.
If you’ve reached the point of comparing debt repayment strategies, you’re already off to a great start. Half the battle is acknowledging the extent of your debts. Once you have an idea of how much and what kind of debt you need to eliminate, you can start figuring out which tactics will serve you best.
Keep reading to discern which debt repayment strategy is right for you.
Do-It-Yourself Debt Repayment
If your debts are manageable enough to tackle on your own, you’ll at least need a plan to expedite the process. There are two primary schools of thought here on how to handle do-it-yourself debt repayment: snowball vs. avalanche. Keep in mind it’s important to pay the minimum balance on all your accounts even while you’re prioritizing one at a time.
The debt snowball method advises paying off your smallest debt first. Then snowballing those funds as you move up the line, finally tackling your largest balance. You’ll gain momentum as you go and the psychological boost of racking up some small victories right away will help keep you engaged.
The debt avalanche method advises paying off your debts from highest to lowest interest rate, regardless of balance amount. The advantage here is you’ll save the most money in interest payments.
Debt Management Plan (DMP)
The first step in figuring out if you’re eligible for a DMP is meeting with a credit counselor. This advisor will review your budget and financial situation, then help you determine whether a DMP may be a good fit.
Enrolling in a DMP means you’ll make a single monthly payment to the credit counseling agency, which will then pass those funds onto creditors to cover your obligations. The agency may be able to negotiate more favorable interest rates and get fees reduced or eliminated.
You can expect a DMP to last approximately three to five years. During that time, you’ll have to refrain from using credit cards or opening new lines of credit.
Debt Consolidation Loan
If your credit is in relatively good standing and you’re hoping to streamline your debts, taking out a debt consolidation loan may prove to be advantageous. It tends to be simpler and less expensive to make one monthly payment on a loan at a reasonable interest rate than, say, five monthly payments on five high-interest credit cards or medical bills.
Banks, credit unions and private online lenders offer consolidation loans — the key is calculating whether you will actually save on interest over the course of the loan. It’s also important to accept a consolidation loan only if you can commit to making regular payments, on time, for years to come. Defaulting on a consolidation loan will leave you in hot water once again.
Debt Relief Program
Debt relief is an option for consumers facing serious debt — think $10,000 or more — who would like to avoid the consequences of bankruptcy if possible.
If you enroll in a debt relief program, also known as settlement, you’ll make monthly deposits into a special account until you have saved up a certain amount. Then professional negotiators will reach out to your creditors one by one, trying to get them to accept a percentage of your original balance. Creditors will often agree if they fear you’ll default otherwise. You’ll pay the debt relief firm a percentage of each successfully settled account.
Bankruptcy
Think of bankruptcy as a last resort rather than a fresh start. Why? Because the fact you filed for bankruptcy will show up on your credit report for seven to 10 years. You may also have to liquidate some of your assets. However, if you are truly drowning in debt, bankruptcy may be the only option you have left to wipe the slate clean and start rebuilding your financial stability brick by brick.
Only you can determine which debt repayment strategy is right for you, so keep researching and asking questions until you have a winner.
Whenever the country faces an uncertain economic future, there is a lot of concern over what investments should be made or avoided. Real estate investing had mixed reviews when the 2008 recession hit, but for the most part, such an investment can help with income generation and diversifying your financial portfolio. However, a recession can affect the value of any property investment. As Roger O’steen of Jacksonville property development has found, a recession can be a great way to boost profit generation and increase land holdings for a fraction of the estimated cost. The key to this success is to know what you are doing.
Where to Go?
There are several types of real estate investments you can make when the market is good that will have completely different potential o challenges when the market falls. For some, such as the Roger Osteen Jacksonville development company, it’s all about the location and the need to be met. Move past the real estate bubble that occurred during the last decade and think of the long-term potential with property rate increases and consumer demand for short-term housing. If a recession is looming, you may not want to sink your money into a commercial property venture, especially if the location will be servicing small, local companies. Your best bet may be to look into a less costly investment, such as a fix and flip or buy and hold residential property. The less capital involved keeps your bottom line strong but still offers great income potential down the road. Property investment has the ability to offer stable income, generally outperform stocks and bonds, and could be less sensitive to volatility.
Income Stability
Most risks are taken with property investments because of the long-term opportunity for a stable income. With a real estate investment trust (REIT), it can bring dividend, where the direct ownership generates pocket rental income for the investor. The consistency of the yield is what has many people looking at real estate investments to get through a recession. Rental properties don’t often see a dip in income, as tenants still require housing and many homeowners may move toward short-term units for more affordability. The monthly payment that tenants make isn’t tied to the ups and downs of the stock market, giving real estate investors an edge when facing a recession. Rental units can also be adapted to account for inflation, as investors can also raise the rent if extra funds are needed.
Superior Performance
When it comes to investing, you can’t stake your future on past performances. However, real estate has always been seen to consistently deliver profits, even when stocks and bonds falter. It all depends on the type of investment you are willing to make. Some consider an investment in multifamily housing more of a risk than commercial retail space, but it also depends on if you are playing the long game. Success with real estate in the midst of a recession is largely dependent on your strategy. A recession may weaken the value of homes, so your idea of investing for a high-cash return will need serious thought.
Volatility Sensitivity
Investing in the stock market brings highs and lows from day to day, although a recession may see a more serious decline in a portfolio’s yield. Since real estate has a low correlation to which direction the stock market is moving, it can be the most reliable investment choice when a recession hits. Real estate may have a change in value according to paper, but the yearly income it may generate changes more slowly.
Even with the threat of a recession looming, the real estate market is strong. This could be a good time for you to make an investment in your future.
Is this his vile attempt to stop her from finding her brother and shutting down her access to the vault? Aaaah! Are these clues leading her straight to her…death?
Nothing screams entertainment like a thriller that keeps you at the edge of your seat until you flip the last page. We picked three books that will keep you spellbound this spring.
DOUBLE BLIND: The Icelandic Manuscript Murders
Buckle up as Sara Winokur takes you on a wild ride with DOUBLE BLIND: The Icelandic Manuscript Murders. This crime thriller explores Iceland’s cultural landscape, taking you through rural farmsteads and icy fjords to the sophisticated world of DNA forensics.
A young boy goes missing in North Iceland. Twenty years later, his twin sister Brynja, a forensic geneticist, finds a mysterious poem on her desk. The poem brings her hope that her lost brother might be alive, but as Brynja starts unraveling clues, more poems appear. These poems carry grave consequences for those who receive them: the guard of the medieval manuscript of Icelandic sagas who likely holds the answer to her pressing question, the prime minister’s secretary, and the neighborhood pastor.
Is this the poet’s vile attempt to stop her from finding her brother, or shut down her access to the vault? Are these clues leading her straight to her death? Aaaah!
The story rides on the motive behind the poet’s attempt to reach Brynja. Whether he aims to stop her from finding her brother, block her access to the DNA database, or worse, kill her, you will have to find out!
The Org
Set in the near future, Scott Brody’s The Org speaks of the effects of the global climate crisis; it faces dire adversities like degrading weather conditions, food scarcity, and heightened panic.
The EcoParty’s leader, Lee Beloit, uses his charismatic skills to remake his organization after the mysterious murder of one of his followers. He revamps his small cult to create a national movement with a manifesto to fight climate change. Although polling numbers look promising and the movement is gathering positive traction, he and his followers are facing the fight of their lives. When President Leo Pine sends people to battle Org members in the streets, Beloit fights back, pushing his people to the breaking point. As he prepares to declare the Democratic Party nomination for President, journalist Walt Jones gears up to reveal Beloit as the protector of a killer. This book is a journey through a series of precarious events that unfold in the years leading up the campaign.
When a professional fighter turned master chef cooks up a horror story, you don’t want to miss any of the delicious details. Author David Ruggerio’s A Wistful Tale of Gods, Men and Monstersis set in real towns and recognizable places, making the book even spookier to read.
As autumn arrives, the sleepy village of Brunswick, NY comes alive with holiday hayrides through scenic apple orchards, ghostly corn mazes, and loaded pumpkin patches. One snowy Halloween, a young lad named William Willowsby is faced with fighting evil forces that were guarded against by generations of villagers before him. Not too far from the town, the abandoned Forest Park Cemetery is home to all sorts of vile things just waiting for their chance to poison the world to which they once belonged. With their help, the evil taskmaster, a rare homunculus, weaves a wicked web to snare the youth of the hamlet, and only Will can stop them.
Until 2017, Harvey Weinstein was best known as a successful film and television producer. He was chairman and co-founder of The Weinstein Company. He helped launch the careers of many famous actors, screenwriters, and directors. The Weinstein Company owned the rights to an extensive film and TV library.
Weinstein’s fame changed after a news report that alleged he had sexually assaulted many women over several decades and used his position to coerce them into engaging in sexual acts. Weinstein was removed as chairman of The Weinstein Company after the accusations were made public. As a result of Weinstein’s legal troubles and negative publicity, The Weinstein Company announced that it would file for bankruptcy in 2018.
After a few failed attempts by different groups hoping to acquire the company’s film and television assets, The Weinstein Company was purchased by Lantern Capital Partners. The film studio was reformed as Lantern Entertainment. This new film company partnered with Gary Barber in 2019 to market The Weinstein Company’s former media assets through Spyglass Entertainment. Part of the deal for the purchase of The Weinstein Company included money to be set aside for a victim’s compensation fund and to pay The Weinstein Company’s creditors.
According to protestors, Barber and Spyglass Entertainment have not made any offers of compensation to Weinstein’s victims. In an effort to urge the company to fulfill its promise, the protestors gathered outside Barber’s office in Century City on Valentine’s Day.
In a statement made at the conclusion of the protest, the protestors called on both Barber, the CEO of Spyglass Media, and Milos Brajovic and Andy Mitchell, managing partners of Lantern Capital Partners, to “do right by” the victims of Weinstein’s sexual assault.
The protestors described Weinstein’s victims as “patiently waiting” for Barber, Mitchell, and Brajovic to follow through on their promised compensation. The victims’ suffering could not be erased, the protestors said, but it appeared that what was taken by the victims as a “good faith offer” had been “only empty rhetoric” without any attempts to follow through with the financial compensation that had been promised.
The protestors advocating for Weinstein’s victims are not the only ones feeling slighted due to events surrounding Lantern Entertainment’s purchase of The Weinstein Company. A lawsuit related to the acquisition of The Weinstein Company alleges that the primary mover behind Lantern Capital Partners’ investment in the company has been completely cut out of the deal. Much like the protestors, the lawsuit suggests that Lantern Capital Partners has failed to fulfill the obligations it took on in the purchase of The Weinstein Company.
According to legal filings made in 2018 at the Los Angeles Superior Court, a lawsuit was brought against Lantern Capital Partners by Hollywood producer Marvin Peart for fraud, negligent misrepresentation, and breach of contract.
Marvin Peart’s lawsuit claims that he was responsible for bringing Lantern Capital Partners into the deal to purchase The Weinstein Company. Peart, who worked with The Weinstein Company as an executive producer, claims that his relationships with upper management at the company were vital in getting the deal off the ground. He describes himself as being responsible for matching the investment firm with The Weinstein Company. He also claims to have kept negotiations on track.
In return for brokering the purchase, Peart claims he was to receive a board position at the newly formed company now known as Lantern Entertainment. He would also be compensated over $10 million for involving Lantern Capital Partners as a principal party in the purchase, the lawsuit alleges.
Peart claims in his lawsuit that Lantern Capital Partners failed to fulfill its “contractual obligation” to pay him and seat him on the board of directors once Lantern Entertainment was formed.
Peart, who is African-American, also claims in his lawsuit that he was excluded from the deal and his promised compensation in part due to “institutional racism.” He alleges that Lantern Capital Partners attempted to erase his involvement in the acquisition of The Weinstein Company.
The lawsuit describes the acquisition of The Weinstein Company as the story of “how a Hollywood outsider landed the biggest entertainment deal of the year.” Peart argues that in telling this story in the press, Lantern Capital Partners has deliberately left out his part in the deal. He claims that the company’s press surrounding the acquisition was a “triumph of historic revisionism” due to its marginalization of Peart’s role.
This erasure of Peart’s contributions to the historic deal could only, Peart argues, be a result of institutional racism. His lawsuit is requesting $110 million in compensation. The case has not yet been decided in the courts.
Although we think of it as commonplace in today’s society, online learning and education is still relatively new and has come a long way in its short life. The internet has played a tremendous role in how we learn. Students can readily complete their coursework anywhere WiFi is available, find web content quicker, and study anywhere they please.
Although online learning and online degrees are becoming more and more common, there are still struggles for students to work through, such as time management, communication issues, perception of online degrees, and technology logistics. Learn about the history of online degrees and how the internet has shaped student learning.
The History of Online Degrees
While correspondence learning might seem like a new and novel idea, it’s actually been around for over 170 years. It began in Great Britain with students taking correspondence courses through the mail with their professors. It was a slow process, but it allowed students to take courses without being physically present. Today, we benefit from modern-day technology that has changed the face and speed of distance learning. Facilitated by the efficiency and advanced connectivity of the internet, learning is possible in real-time from almost any location.
A Humble Beginning
Imagine hopping on one of your school computers in the 1960s (yes, computers existed then), and listening to recorded lectures or accessing course materials through the school’s intranet system. While that sounds pretty standard (and maybe even a little primitive) today, it was a novel concept when the University of Illinois introduced the idea in 1960 through their internal system, known as Programmed Logic for Automatic Teaching Operations—PLATO for short.
The next couple of decades saw limited growth for online learning outside of systems like PLATO. In 1984 the Electronic University Network (EUN) made an appearance but still relied on an internal network and phone lines to function and connect students. It wasn’t until the internet arrived in full force that online learning saw explosive growth.
The Advent of the Internet
When the internet took off in 1994, so did some of the first online campuses like CALCampus. CALCampus was the first real-time interactive internet instruction and was revolutionary for its time. Skip ahead to 2009, when online courses gained incredible traction. In 2009 alone there were 5.5 million students who joined the online course craze.
Clearly, students were eager to pursue their education in an online space, and the response from universities was just as enthusiastic. More and more traditional colleges started adding online courses to their degree programs to meet the growing market. In fact, by 2012, a full 75% of all traditional schools had an online degree program.
Online Degrees Today
Today, many adults that don’t have a degree are starting to see the benefit of getting an education in order to have better career options or receive higher pay. It’s no secret that traditional colleges are getting more expensive, and many non-traditional students simply can’t afford to leave their jobs and go back to school. Thankfully, more schools are offering online courses and online degree programs than they were in the past. And online degrees are more widely recognized than ever before.
This is great news for students who have families and jobs, but who still want to pursue their degree. They can take online classes from whatever location is most convenient for them, at the time of day that is most convenient for them in relation to their work schedule and personal responsibilities. There are also more schools offering options for online degrees. A Pew Research study found that 60% of 4-year private colleges offer online classes, and 89% of four-year public colleges offer online classes.
As online students have increased, so have the perceptions of the value of an online degree. Online degrees and courses are no longer looked at with a critical eye or undervalued; instead, they are considered a viable option for those who wish to pursue an education. Although some students and employers are still skeptical about taking online classes, most employers today view online learning favorably and there are many fields where online degrees have gained a high rate of acceptance—especially in high-demand jobs like healthcare and nursing.
The Future of Online Learning
As student education migrates to the online space, some people might wonder if traditional colleges will disappear entirely. While there’s no certainty about whether traditional schooling will disappear in the future, it is certain that there are rising numbers of students pursuing online degrees and education. As of 2016, over 6.3 million students took at least one online course, which was a 5.6% increase from 2015. If the trend of online students remains as steady as it has for the past 14 years, we can expect to see many more students pursuing their degrees online. If you served in the military, there are many additional benefits you can look for, thanks to the chapter 35 gi bill.
How to Get Experience as an Online College Student
Students who decide to pursue an online degree might wonder how they can get real-world job experience while they’re in school. The best way to accomplish this is through participation in an externship or internship. Both internships and externships allow students to get real-world experience that will help them prepare for their future career. Internships and externships can be either paid or unpaid, but don’t discredit the experience on pay alone. Even an unpaid position can go a long way in helping you land the perfect job after graduation.
There are several benefits to doing an externship while you complete your online degree including:
Applying classroom education to real-world situations
Learning about your strengths and weaknesses
Gaining a greater understanding of your field of study
Consideration for job positions
Confirming you enjoy the career you’re studying for
Impressing potential employers
Networking with professionals in your field
Talk with your university advisor to see what internship and externship experiences are available through your program. Gaining practical skills and experience outside the classroom will not only help you feel comfortable in your new career, it will also help you network and find potential employers once you graduate.
Online Degrees through Online Colleges
Since the inception of the online college degree program, technology has come a long way, but more significant than the changes to technology, are the changes to people’s perceptions of online degrees. Online degrees are becoming more and more common and are more widely accepted than ever. No longer are they considered to be lower quality than comparable degrees obtained from a physical university. Instead, 77% of leaders in academia believe that an online education is the same, or better, than face-to-face classroom learning. With online college degrees continuing to gain recognition, it’s a great time to start your program and get the skills for a job you love. There are many online colleges you can choose from. Find an online program that works for you. One way to do this is to look for universities that have strong reviews, like Independence University.
Francisco J. Faraco is CEO & Founder of Faraco Partners, LLC, incorporated in New York State in 2017. With many years of experience in the financial industry, he provides Wealth Management Services to corporations, families, and individuals. As a public figure and mentor, he regularly speaks at financial workshops and conferences. But who is the man behind the financial success he helps others achieve?
His Background
Faraco has worked with the greats in the financial industry, including the minds at J.P. Morgan and Merrill Lynch. He attended the University of Chicago, where he obtained his MS in Financial Mathematics, which integrated coursework that explores the deep-rooted relationship that exists between theoretical and applied mathematics and the ever-evolving world of finance. Faraco also holds an MA in Economics, with a concentration in Financial Economics and Economic Development Policies, from The American University of Washington DC, where he graduated at the top of his class. Before pursuing a more global perspective by attending universities in the States, he received his BBA in Banking and Finance at Universidad Metropolitana in Caracas, Venezuela, . There he graduated as valedictorian and won several athletic awards. Last, but not least, in 2012, Faraco passed the last, Level 3, exam of the Chartered Financial Analyst (CFA) program, which is a post-graduate professional qualification and considered to be among the most mentally grueling exam experiences on the planet. The program has the highest level of international legal and regulatory recognition of finance-related qualifications and covers a considerably wide range of topics relating to Advanced Investment Analysis, Security Analysis, Statistics, Probability Theory, Fixed Income, Derivatives, Economics, Financial Statement Analysis, Corporate Finance, Alternative Investments, and Portfolio Management.
As a globally educated athlete and an experienced financial expert, Francisco brings a unique personality and perspective to financial analysis and portfolio management for his clients across asset classes. He has been quoted as saying, “Be obsessively organized on everything you do.”, which shows in the results he helps his clients achieve. It’s no wonder that one of his favorite quotes comes from fellow athlete Babe Ruth, who famously said, “You just can’t beat the person who never gives up.”
Most Exciting Trend Right Now
Faraco has said that he’s most excited about artificial intelligence. Not only does AI have considerable applications in business and finance; it also has the potential to transform our everyday lives, as we’re already seeing in many uses today. By nature, when technology can teach itself, the things we can achieve through this tech are virtually without limits.
While Faraco is optimistic about the future, he’s also been open about the challenges in his field.
Most Challenging Aspects of Being a Financial Consultant
He has said of finance, “{it} can be quite intense at times”.
One must commit to working long hours, late nights, and getting almost no sleep
sometimes. This is especially true when you’re just starting. But as you
develop your career, you find the right work-life balance.
Additionally, Francisco has talked about overcoming mistakes. No one can predict every potential outcome in the markets and economy. And he’ll be the first to admit sometimes even he gets it wrong. But he says the important thing is not letting mistakes defeat you. Instead, learn from them and keep moving forward. The worst thing we can do to our financial portfolios is to let past mistakes cause us to live in fear because then we make it so much worse instead of making the best of bad situations.
Importance of Experience When Pursuing a Consulting Career
Francisco Faraco shares that experience is everything. The most desirable graduate positions with the companies you’ve actually heard of require experience. They’re not looking for someone who’s spent all of their time in the classroom. You need perspective you can only achieve through real-world experience. Faraco earned his first real experience at age 19 in Venezuela when he started working as a Prop Trader at Eurobanco. After less than 2 years in the job, he was overseeing all Local-currency and US Dollar Funding, Repo Trading, Short-dated Interest Rate Business and Emerging Markets Dollar-denominated Bond Trading. From this humble beginning, he learned the industry and developed the skills that would help him achieve his career goals and become the investment professional he is today.
Importance of Developing Productive Habits
Faraco believes that developing productive habits have been the key to
his success. And when he works with clients, helping them develop productive
investment and money habits is integral to their success. He says he wakes up
every day with a “plan of attack”. This involves a schedule and
structure, he works to stick with not just to get more done, but to get the
essential things done.
While he does focus on structure, he points out that we must be flexible with our days. Things don’t always happen exactly as you planned, so adapting on the spot is a quality he’s worked to develop. We can dig deeper into the minds of Francisco Faraco by exploring his passion for investments and wealth management.
The Most Rewarding Aspects of His Job
Faraco admits that the most rewarding thing about his job is knowing
he’s using an understanding that comes very naturally to him to help others
achieve their financial dreams. He has discussed how hard it is for the average
household to build wealth between college tuition skyrocketing, home prices
soaring, and the costs of many of life necessities increasingly out of reach.
Francisco enjoys helping people look past the day-to-day to find the money to invest and build a more prosperous and secure future for their businesses or families. He has also shared some of the most frequent concerns he hears from clients that he helps them overcome.
Common Investment Concerns of Clients
He’s found that clients are worried about the state of their current portfolios. They’ve been trying to build wealth or achieve other financial goals alone. And they feel their strategy is falling short. During the recent downturns, such as the housing crisis in 2007/2008, people saw a lot of their wealth evaporate. Francisco considers it his mission to help clients think bigger. This includes a variety of risk and reward levels from high risk-reward, to more stable investments. Diversification is the name of the game. But honestly, many diversification strategies aren’t that diverse when you take a closer look. He enjoys helping clients develop a truly varied portfolio that can weather the storms we all know will come from time to time. We can further understand the man behind the consulting by considering what he would share with others looking to follow a similar path.
Advice for Someone Launching a Finance Career
Faraco says he would advise any up-and-coming investment professional or student to: “enjoy what you do”. If they don’t like the idea of sitting for hours, hovering over numbers, this isn’t for them. He wishes more people considering a career path had the opportunity to explore the day-to-day of the job before choosing a path in school. Because without the passion for it, people just won’t reach the levels they want to achieve. He has also said patience and perseverance are essential. Success doesn’t happen overnight. Take the time to get the experience. Develop a plan to learn and do many things in the industry to broaden your horizons and best serve your clients. Faraco referenced Jack Ma, founder of Alibaba, when asked about the vital importance of experience in financial consulting. You can learn this stuff in school. You need to live it and do it. Ma said, “Before you turn 20 years old, be a good student, and get some experience. Before you turn 30 years old, it’s not which company you go to, but which boss you follow.”
Leading by Example Through Giving
While wealth-building often seems a one-way street, Francisco imparts to his clients and his children the importance of giving. He recently shared a story. It was around the Christmas holidays, and a local church had asked for partners to help supply meals to low-income families in the community. The church took up a collection. But Francisco wanted his kids to be involved in the giving in the most meaningful way possible, and he knew this went beyond giving money directly. He took them to the grocery store and helped them carefully choose foods for the meals. He asked them to put themselves in the shoes of those less fortunate and consider what having a nice meal around the holidays means to them. There are times to give and times to receive.
Who Is Francisco Faraco?
Francisco Faraco is a father and a scholar who understands the importance of experience and loving what you do. He’s passionate about putting his years of financial expertise to work to help individuals, families, and corporations build wealth. He’s excited about the potential of technology to change how we live and work. And he’s dedicated to being “obsessively organized” about his work to help his clients achieve their financial goals and live their financial dreams.
Everyone has probably read many Mint Mobile reviews in deciding whether or not Mint Mobile is for them, this is another one covering the different phones they offer.
Many people think that Mint Mobile is just a cheap bring your own phone company, but that is far from the truth, Mint Mobile sells many of the top phones if you are also looking for a new phone. They sell them with affordable pricing where you pay per month to help you to be able to afford them.
If you go to Mint Mobile’s website and search their phones, you see they have many for you to choose from, you can choose by brand, memory, condition and even color, they even have a handy slider where you can choose a price range of phone you are looking for.
You can choose from Apple, Samsung, Google, LG, Motorola, Razer and more.
Here are just a few of the top phones offered by Mint Mobile
Apple iPhone 11
Apple iPhone 11 Pro
Apple iPhone 11 Pro Max
Apple iPhone XR
Apple iPhone XS
Apple iPhone XS Max
Samsung Galaxy S10e
Samsung Galaxy S10
Samsung Galaxy S10+
Samsung Galaxy Note 10+
Samsung Galaxy Note 10
Google Pixel 4 XL
Google Pixel 4
As you can see they have quite a few and all are offered at low monthly prices so you do not have to pay it all at once.
They also offer older phones that still work quite well. Here are some of the older phones you may want to look at if you do not want to buy the more expensive models.
Apple iPhone X
Apple iPhone 8
Apple iPhone 7 Plus
Apple iPhone 7
Samsung Galaxy Note 9
Google Pixel 3 XL
Google Pixel 2 XL
Google Pixel 3
Samsung Galaxy Note 8
LG G6
As you can see, they have many and that is not all. They currently have seventy-two phone deals for you to choose from. Most of them come with a choice of memory options and some come with color options too. It is pretty easy to find the right one for your use and your finances. Let’s face it, not everyone can afford the top of the line phones that stores offer, with Mint Mobile’s pricing plans maybe you can afford that phone you have always wanted and if you just cannot afford that top of the line phone, maybe you can find the phone that is one model or two down that will work perfectly for you and they are always running deals.
Once you choose your phone, you can go in and choose the plan that best suits your needs and get your Mint Mobile starter kit with it. It really is that easy and once it gets shipped to you, you can activate it and start using your new phone
Are you thinking about a new career and considering going to nursing school? Nursing is a highly respected career because nurses can impact the lives of individual patients while also promoting health and wellness in the wider community. Because no two work days are exactly the same, there is a lot of potential for personal growth and ongoing learning opportunities.
We have put a short list together from among the numerous reasons why a person should consider getting a Bachelor of Science in Nursing.
Meaningful Work
Nursing is a person-centered profession, and patients often spend more one-on-one time with nurses than any other medical professional. Nurses are present for many vulnerable and intimate parts of the patient’s healing process, along with meaningful moments such as the birth of a new baby or the final days of a hospice patient’s life. Nurses truly make a difference in their patients’ lives, often saving patients by making medical interventions or noticing something that a doctor needs to be informed of. It’s not uncommon for family members of patients to express gratitude toward nurses, for caring for their loved one and keeping that person comfortable.
These are some of the reasons why nurses are so highly respected. They make an incredible impact on individual lives, which, in turn, positively affects the wider community.
Flexibility
Working a 12-hour shift can sound exhausting, until you factor in that a nurse only needs to work three of those shifts each week and still be full-time. For many nurses, having four days off each week is a pretty good deal. Nurses also find that it isn’t too difficult to trade shifts with co-workers if plans come up in the middle of the work schedule.
There are other ways that nursing affords great job flexibility. Because nurses are in such high demand across the country, it is relatively easy to switch jobs if your family needs to relocate or you want to experience life in a different region or state. The Nursing Licensure Compact means that a nurse can get one license and practice in 34 other states, as long as the original license is obtained in one of the participating states.
One of the greatest benefits of getting an education in nursing is that you will acquire a broad enough skill set to work in different kinds of settings and clinical institutions. Travel nursing is attractive for those who want to experience new places and meet others from very different walks of life without having to completely relocate for the long term.
Job Security
Nursing is a stable industry to work in and nurses are in high demand. Because just about every department and unit in hospitals and other clinical settings cannot function without nurses, the need for them will always be there. According to the Bureau of Labor Statistics, the job outlook for registered nurses is currently 12 percent, which is considered much faster than the average rate for all occupations. The job outlook for advanced practice nurses is even higher, with a growth of 26 percent expected over the next 10 years.
Earning Potential
Nursing isn’t just one of the most secure fields to go into—it is also one of the best paying careers. Registered nurses earned a median salary of $71,730 in 2018. Advanced practice nurses earned almost $114,000 in the same year. A person can earn overtime pay by working on holidays or picking up extra shifts.
Compared to other careers, nursing is one in which almost all positions come with incredible employment benefits. The comprehensive benefits packages almost always come with medical insurance, retirement, paid time off and Health Care Flexible Spending Accounts (FSAs).
Many of those certifications and advanced degrees can be obtained through online nursing school, allowing a person to go into teaching, consultant work, research, administration or to become an advanced nurse practitioner.
Diverse Opportunities and Career Mobility
Nurses can steer their career into many different directions. Not only is there a diverse and wide range of specialties, advanced degrees and certifications, but there are numerous ways of practicing nursing beyond the clinical floor. If a person enjoys the academic side of the profession, there are options like being a clinical nurse educator, conducting research or teaching for an online nursing school or in a traditional setting. School nurses and public health nurses get to interact directly with the community, and many of them find this to be very rewarding. Some of the lesser known, non-traditional nursing careers include forensic nursing, working within correctional institutions or helping with criminal investigations. If a person is motivated to acquire advanced skills, there is also a need for specialists like nurse anesthetists, nurse practitioners and certified nurse midwives.
Nurses can work in a variety of patient populations, from labor and delivery to geriatric nursing among elderly patients. Those who enjoy working with children can choose pediatrics, ranging from preventative to acute care.
When Considering a Bachelor of Science in Nursing
It’s easy to understand why nurses have such a high level of job satisfaction. Nursing provides financial security while delivering emotional rewards, as nurses come to know that they are making a real difference in the lives of their patients. For those who are easily bored by routine, nursing is the kind of field that can provide new and interesting challenges. Ultimately, it’s rewarding to know that what you do on a daily basis positively and directly impacts other lives.
If you are considering a Bachelor of Science in Nursing, you must take a moment to make your personalized list of the best colleges for nursing school. What qualities does your ideal program have—on-campus clinicals, an abundant alumni network, groundbreaking research? Whether it’s a full-time program at a traditional 4-year college, a three-year nursing program or a program that offers flexibiliy with your schedule, you must have a clear picture of where you are currently in life and what earning a Bachelor of Science in Nursing means to you. Talk to the program’s admission representatives and get in contact with current students who will offer clarity about the university and nursing program that will help you determine your best program fit.
Determining that you are in need of an attorney’s services is an important first step to resolving many legal disputes. However, selecting the right attorney can be even more important in these situations. While simple in theory, finding the right attorney for your situation can be a confusing or difficult process for many. To help explain items you may want to consider in this search, we looked to the example of Juan Monteverde, a top attorney practicing in New York. Read on for a look at his career and an overview of things to consider when seeking legal assistance.
Area of expertise
An important consideration to be aware of early in the attorney selection process is what area of law is relevant to your dispute. While an attorney may come highly recommended and they may excel in their field, if they are not familiar with the area of law relevant to your issues then they will likely be of limited help. By contrast, an attorney who is skilled in the area of your dispute will be a much more powerful ally as you seek to rectify your situation. A good first step here is identifying the most relevant area of law so that you know where to look.
For example, the career of Juan Monteverde has focused in the area of securities law, which is a specialization that deals with legal matters related shareholder rights. In these matters, there are sometimes disputes between the sharheolders and a company seeking to effectuate a merger and he often deals with high profile mergers. In these disputes, he seeks to maximize shareholder value, recover damages and/or improve the financial disclosures regarding the merger.
Reputation
Once you have determined the area of law in which your attorney should be concentrated, it’s important to find an attorney who is highly regarded in their field. Attorney, like many other fields, have top practitioners as well as practitioners who may not be as effective in achieving a positive outcome for your situation. Selecting an attorney who is diligent and skilled can make all the difference here. Recommendations from colleagues or other acquaintances can be a good place to start here. There are also many independent review sites and services that can be used to gauge an attorney’s effectiveness.
This is an area where the example of the above attorney can again be instructive to those who are confused as to how to select their own legal representation. Not only is he highly regarded by those in the legal profession, he has also received many accolades that help to showcase his reputation. He has been selected as a New York Metro Rising Star in four separate years by Super Lawyers, an award that is given to less than 2.5% of a specific field’s attorneys. He has also been selected multiple times by Martindale-Hubbell as a Top Rated Lawyer.
Location and record
Since laws can vary by geography, it’s important to select an attorney that is familiar with the specific nature of your legal dispute as it relates to local laws. In some cases this can mean selecting an attorney who is local to your area, however, some disputes may require an attorney or firm who has experience at a national level. One way to gauge this can be to look at the record of the practitioner so that you can determine their success at varying levels. This can refer to locality but also their degree of experience at different levels of the appellate court system.
Monteverde’s firm, Monteverde & Associates, is based in New York City, where there is a high need for securities attorneys, and the attorney himself is admitted to the NY bar as well as a in a number of Federal and Court of Appeals throughout the country. The firm has extensive experience operating on the national level and often participates in class action suits at this level. Through this work, the firm represents shareholders who have incurred financial loss due to misconduct by corporations. This work has seen the firm achieve success at many different levels of trial and appellate courts, including the U.S. Supreme Court. In 2019 alone, the firm obtained or secured six cash common funds for shareholders.
Strong communication
Another important consideration when selecting an attorney is their ability to communicate. While a legal practitioner may be talented in many aspects of their field, if they are unable to adequately communicate with you it may be difficult to form a beneficial professional relationship. This issue may be addressed by a positive recommendation or review, however, it’s often a good idea to evaluate this aspect of an attorney’s work as an issue unto itself, due to its importance.
One useful method of evaluation in this regard can be the practice of examining the written or spoken work engaged in by the attorney. To again take the career of Juan Monteverde as an example, the attorney shows his strong penchant for communication by regularly crafting articles for law publications to help clear up areas of legal dispute. He is also regularly invited to speak at law conferences, such as ABA, ACI, and PLI, regarding executive compensation and issues relating to merger litigation. By looking at his work in these areas, potential clients can have a better idea of his ability to communicate and inform others about his work.
While understanding the need for an attorney in a particular legal proceeding can be an important aspect of arriving at a successful outcome, it is also critical that you select the correct attorney for your circumstance. The overview above should help illuminate some of the items to consider when undergoing this process. This information, as well as the example set by Juan Monteverde, can be a vital touchstone as you start on this journey. Consider returning to these ideas if you do indeed need to move forward in the attorney selection process, as they can help you maximize your chance of finding a good fit.
