Archive for  May 2018

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Our current investment has become so much unpredictable especially due to the rampantly changing market. Any time a market tsunami wave can hit you anytime and reduce your investment to nil. That’s why every serious investor is adequately bracing themselves with investment information from financial experts like Richard Dwayne Blair so that they will sail safely the stormy market forces.

The renowned financial expert and the Founder of Wealth Solutions, Mr. Richard Dwayne Blair explains his approach and the realistic approach that Wealth Solutions uses when it comes to Financial Planning. These are the approaches that everyone needs to pursue and achieve the financial visions and goals. This expert has an aim of arming his community within Austin, Texas, with retirement plans and wealth management guidelines to enable them to see clearly their financial roadmap for reaching various milestones in their life.

In developing a comprehensive financial plan, Richard Dwayne Blair uses three major pillars that help him merge and match the current financial state of his client and their retirement needs.

#Pillar One: Laying the Financial Route of the Client

He determines this roadmap by identifying the strengths, risk tolerance, opportunities and goals of his client. Having understood these factors, then he can have a clear view of exactly what his clients want.

#Pillar Two: Developing an Investment Strategy

Richard goes ahead to come up with a strategy that is based on the strengths, goals, and opportunities of the client. It is effective and basically a long-term strategy that is client-tailored. He then reallocates the client’s assets in a way that they become risk-free.

#Pillar Three: Implementing and Monitoring the Strategy

After the financial roadmap and strategy are laid down, he will then review them together with the client so that their implementations will suite the financial goals of the client.

Richard has of been of help to many as an investment advisor representative, a certified annuity specialist, a certified fund specialist, a certified income specialist, a tax specialist and estate and trust specialist. Being around teachers all through, he developed an urge of helping people through educating them on financial planning and this led him to found Wealth Solutions in 1994.


The classroom is a motivating and empowering place for teachers and students. It is essential to understand, however, that some teachers may experience feelings of loneliness because they are unable to communicate with other adults. Children experience new learning breakthroughs every day. Yet, the teacher is the only one that experiences them. All the laughter and priceless memories get left behind in the classroom. That’s where the ClassDojo App comes in. The Class Dojo App is a communication platform the gives teachers and students the ability to share their classroom experiences with their families. It also gives the teachers, parents, and students the ability to connect on a more collaborative level. A positive classroom community is created through the ability to share messages, videos, and photos of positive moments that occur in the classroom. The ClassDojo app is creating a positive culture with classrooms and schools all over the world. The fascinating thing about the app is that it provides empowerment for learning. Teachers are able to collaborate with each other on how to enhance the learning experiences of children in the classroom. ClassDojo creates a movement for ground-up change as it involves the families in the progress of their children. They not only get to hear about their child’s development, but they get to see it in action. Two in three schools are now adopting the use of the app in the classroom. It is creating a positive culture with classrooms and schools that will last a lifetime. Another beautiful thing about the app is that it gives parents the ability to connect with the teachers regardless of their work schedule. Many parents miss out on participating in their child’s school functions because they have a demanding job that doesn’t allow them to be there. Whenever they have free time, they can chime into pictures and videos and answer any questions that the teacher may have. Having a healthy school community is highly essential to the well-being of the school system as well. It gives parents and teachers the information they need to make a difference in the lives of the children.

Malcolm CasSelle is a man that has managed to create a path for himself and the world of digital technology. The manner in which he has created this path is not that, unlike an individual who is creating the life that they want to live. Malcolm CasSelle first decided to enter the world of digital technology by pursuing a formal education. He was accepted into the Massachusetts Institute of Technology where he began to pursue the educational requirements to receive a bachelors degree in computer science. After completing the requirements for his bachelor’s degree in computer science, he was able to graduate from the Massachusetts Institute of Technology. After graduating from the Massachusetts Institute of Technology, he decided that he would like to pursue further education and applied to Stanford University. Stanford University accepted Malcolm CasSelle. After being accepted by Stanford University Malcolm CasSelle decided to continue pursuing his education and began to take graduate classes in computer science. He was able to complete the requirements and graduate with a Masters degree in computer science from Stanford University.

By the time he had finished his formal education, he was ready to take on the world of digital technology, and he has since gone on to create quite a reputation for himself by assisting numerous digital technology companies during their startup phases. The startup phases of digital technology companies as part of the most crucial phase that a company can have. It is during this time that it will be decided whether the company will be successful or not. Malcolm CasSelle has been able to ensure that a number of companies have experienced success as a result of the help that he has lent to them. He is able to display a level of leadership and technological prowess that is seldom seen in individuals.

He has most recently launched his own company that is known as worldwide asset exchange. This company utilizes the thing technology that powers the popular cryptocurrency bitcoin. This technology is known as the blockchain. This technology will allow digital transactions to become decentralized. This should eliminate numerous issues that have been plaguing virtual transactions for years.


OSI Industries is a meat packing company based in Illinois. Recently, OSI has been steadily increasing its production and capacity in order to stay competitive in the hyper-competitive industry of meat packaging and processing. There are many ways that OSI is making this happen, and all of them offer OSI unique vantage points in their industry. Acquisition is one way that OSI is increasing its presence. It isn’t easy for an American company with a humble beginning to break into the European market (a move that is certainly necessary to remain competitive). OSI is doing this by acquiring companies that are already competitive in their market. Let’s take a look at some of the examples.

Recently, OSI Industries purchased Baho Foods. Baho Foods is a deli meat provider in the Netherlands that focuses on convenience products and snacks. Now, Baho Foods is already a dominant force and the acquisition of the company would be good on profit margins alone. However, acquiring Baho Foods is more than the money to OSI. Baho gives them an insight into a unique market and ties to a difficult to establish trade route, the Netherlands. Baho Foods wide variety of products adds to the growing portfolio of available products that OSI offers, but their connections to factories and farmers as well as their cemented status in the Dutch market makes them an invaluable catch for OSI.

The other example is that of Hynek in Germany. See, OSI has always faced a problem when building factories abroad. It’s easy to build a factory, but it can be difficult to create relationships with local farmers and slaughterhouses. At home, OSI already has these strong social connections, and it’s part of what drives their success. Abroad, however, language barriers, government regulations, and terrain difficulties make establishing connections based on trust more difficult. OSI Industries acquisition of Hynek shows that the company is committed to forming these relationships. Hynek has strong cemented relationships with German farmers and butchers. This connection is woven into the DNA of Hynek. This DNA is partially shared by OSI Industries making the two companies a great fit for each other.

Acquisitions in key areas have helped OSI Industries remain competitive in Europe. It helps OSI bypass language barriers, and maintain a firm grasp on the European market. OSI may be an American company, but their presence is felt throughout the European foodservice market. Something that OSI has worked hard to establish.

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Agora Financial would like you to meet Bob the Dentist. Like everyone else, there are certain things that Bob knows, and there are certain things that he does not know. As a dentist, he is keenly aware of such things as fillings, root canals, dentures, extractions, and a litany of other dental procedures. What he is not aware of, of course, would be financial investments. How do we help Bob?

The answer to that question was detailed in a recent video by Agora Financial. As detailed in the video, you first of all know that Bob does not want to rely on a hot shot broker who is only advising him based on a commission, nor does he want to worry about any other financial vultures that might be preying on his nest egg. Enter Agora Financial.

They are able to advise him on such things as finding companies that are poised for rapid growth, the secrets of generating income, and a variety of wealth protection strategies he had never heard of. Moreover, Bob the dentist can take heart at the very nature of Agora Financial. Unlike other financial services companies, Agora Financial is 100% unbiased. They do not take payouts from other companies in order to give them good reviews, plus they will travel to the site of any companies they advise investing in, such as oil fields in North Dakota, gold mines in South Africa, or housing booms in Mongolia.

About Agora Financial

For Agora Financial, innovation is the name of the game when it comes to investment advice. They realize that investors must wade through a lot of conflicting information and that can make it a challenge to be successful in their investments. The great thing about Agora Financial would be the fact that they do not just tell people what they think when it comes to investments but they also show people with the evidence. Individuals like Bob the dentist will never have to worry about losing their money in the markets if Agora Financial has anything to say about it and more

Americans have taken on a lot of the benefits and advantages that are offered by online banking. For one thing, they have seen the benefits of the convenience offered by these platforms. For one thing, online banking has brought forth a lot of ways that Americans can use their money. For instance, people are able to use their money across many different processors. One thing that can be said for online wallets such as PSI Pay is that they come in handy for people who work online. When people make their money online, making it one of their best financial years, then they are going to see a lot of the benefits and the convenience of being able to receive and use their money right away.


Another good thing about online banking is that people do not have to find the nearest branch of their bank which can be hard to locate. They can access their bank from their own mobile phone. This method helps them keep track of the money they spend on the products. When people use online banking and payment processors, they relieve themselves of a lot of the hassles that can come with accessing their money. For one thing, they do not have to worry about paying a fee to access their money from an ATM at another bank, as reported as by CompanyCheck.


Americans are just starting to warm up to the concept of online banking. They are learning how to use these payment processors from companies like Google, Samsung, and plenty of others. As a matter of fact, many of the entrepreneurs are seeing the benefits of having this type of product at their service. With money being electronically handled, people are going to be able to have their money on them at any time even if they are nowhere near their bank. With all of the benefits of well-regulated online banking, it is only a matter of time before it becomes the primary use of Americans.


In an article by Heidi Harris titled “Intellectual Property in the Digital Age, with Kamil Idris on the pitfalls of Globalization”, the author talks about the changes linked to globalization and technology. Kamil Idris, the former director of the WIPO in Geneva, discusses how globalization has its pros. It is allowing for innovation, and with the help of globalization is driving exports. However, there are new grey areas created that center on the ownership of ideas and how to protect these. Intellectual property rights are important to protect innovation, but there is a growing issue in which wealthy countries and companies are able to control patent purchasing, while poorer countries are left behind. There also will likely be a growth in intellectual theft, piracy, and counterfeit movements. Idris feels that this gap will only grow as the globalization continues, and this is why there is a need for formal reforms to the international system. Currently, the World Trade Organization has recognized that changes need to be made to policy, and is looking hat was to tailor new Intellectual Property protection policies.

Kamil Idris has brought attention to this topic, not only from years of policy experience in this field, but also in the World Intellectual Property day, which is on the 26th of April. Another important level of changing policy, is the WIPO Copyright Treaty, which was first created and signed in 1887, in the Berne Conference in Switzerland. This treaty obligates all signing countries to protect intellectual property in the fields of science, literature, and arts, but will likely need to expand this more to the fields of digital materials. Another agreement, is the Agreement on Trade-Related Aspects of International Property. This is seen as the most comprehensive agreement to date, and is working to incite accountability amongst nations in the field of intellectual property. As the digital age progresses alongside globalization, the technological changes will likely reshape how lawmakers look at free markets and liberalization of information. Reform on international agreements needs to be the first step.


Ronald Fowlkes is a former U.S. Marine and police officer and current Business Development Manager in the tactical gear industry who feels that mentorship of the nation’s youth is of huge importance. Ronald has found a perfect way to give back to his community through mentorship and do something he loves at the same time. Ronald Fowlkes is a well-known hockey fan and his son is a member of the Triple-A squad for the St. Louis Blues. Ronald serves as the equipment manager for the team as well as its physical fitness trainer off the ice.


Ronald’s military and policing background has taught him the value of equipment and of having equipment that is in proper working order. In his role as the equipment man for the hockey team, he is able to teach his mentees about the value of maintaining their equipment in order to get the best out of it. Ronald councils his youth players that well-maintained equipment can, in fact, be the difference between winning and losing. Ronald Fowlkes’s role as trainer for the team gives him the chance to bring other aspects of his personal knowledge to bear in helping mold young people. He is a graduate of the Army Parachute School and a former member of Marine Special Ops so he has a true knowledge of what physical fitness means. Ronald also learned another valuable skill while in the Marines and the police. This skill was the ability to be blunt. He believes that sometimes this is necessary to get a point across. Ronald also loves to point out to people that his family is a huge motivating factor for him. He loves having the chance to have a continued impact on his son’s life and he is helping the community at the same time. For a patriot like Ronald Fowlkes, this is a win, win situation.


Ronald Fowlkes serves in the roles of Business Development Manager for Eagle Industries Unlimited in Fenton, Missouri. The company with thirty years of experience in the tactical gear industry has become a leader in supplying sportsmen, the police and the military with the best equipment available. Ronald Fowlkes, for his part, spends a lot of his time training the 150 plus sales representatives the company employs. His extensive experience in mentoring and training makes him a great instructor. Ronald Fowlkes is the perfect person to instruct anyone on the use of tactical gear because he has so much real-world experience with it. Ronald Fowlkes’s experience includes serving in the United States Marines from 1989 to 1993 and then serving in St. Louis area police forces for thirteen years. While serving his country in the Marines, he was twice promoted on merit and served in the Gulf War.