Monthly Archives: September 2017

Alleviate Back to School Stress with Freedom Plus

Preparing to go back to school is not an event: it’s a process. The parents are excited that the child is going back to school, but they are also aware and possibly anxious of the financial implications of the change. The child is also excited to meet with the classmates, but they are also anxious about the early mornings, and assignments.
So how can one prepare for back to school with less anxiety?

1. Come up with an all-inclusive budget

Going back to school involves a lot of expenses. These might include shopping for new clothes, school supplies, and other items the child might need while in school.
The first step should be getting the school list from the child. It will help one to identify the items the school has specified that the child must have when reporting back to school.
Note down the things that the child might need when going back to school including the clothes. It is crucial to be making the child understand the need to write down only the essential items. It will aid in cutting down the cost for the shopping.

2. Balanced diet meals

During vacation, the parent is responsible for what the child takes. They probably do not know the importance of taking a balanced diet. Take time to educate the child on how to pack their lunch box in a way that their meal is balanced.

3. Always Attend the Orientations

The parent orientation helps to network with other parents. It will also communicate to the child about the value of education. It will also be an excellent opportunity to connect with the teacher.

Finances are the major challenge when preparing for school. FreedomPlus is a company that offers loans for personal loans. With little regard to a person’s credit score, they can help one get a loan in 48 hours.

FreedomPlus is an accredited lender offering loans ranging from $10,000- $35, 000. It has featured on Major publications such as Business Week and Wall Street Journal.

In conclusion, FreedomPlus has helped many parents improve their socioeconomic standards. This is instrumental in decreasing the back to school anxiety.

Highland Capital Management: Bold, Experienced, and Disciplined

In 1990, partners James Dondero and Mark Okada founded Protective Life Insurance Corporation, a joint venture that focused on the fixed income markets. Later in 1993, the venture became a SEC-registered advisor named Protective Life Insurance Corporation owned 40% by the partners and 60% by Protective Life. The partners acquired the Protective Life Stake in 1997 establishing the Ranger Asset Management, currently known as the Highland Capital Management.

Highland Capital Management manages assets worth over 15 billion dollars. The leading global company business units include alternative investments and credit solutions. The Highland Capital credit solutions include separate accounts, credit hedge funds, long-only funds accounts, collateralized loan obligations and distressed and particular circumstances private equity. On the other hand, the alternative investments options include natural resources, short or long equities, and emerging markets. The Highland Capital products are suitable for corporations, governments, individuals, funds of funds, public pension schemes, foundations, and endowments.

Highland Capitals investment approach is to regularly provide relatively high returns through the application of tried principles investing and accountability in capital preservation while creating balanced portfolios. As such the company relies on three principles; experience, discipline, and boldness. Highland has headquarters in Dallas Texas and branches in New York, Singapore, Seoul, and Sao Paulo.

The Korean affiliate of Highland Capital recently launched a private equity fund that primarily focuses on healthcare with 147 million dollars in capital injections. The lead investor in the project is the National Pension Service of South Korea. The investment objectives include improving health care, earning returns and opening up opportunities to co-invest. Currently, Highland partners with Stonebridge Capital, a Korean-based venture capital and private equity fund to co-manage the fund in Asia. The fund is the inaugural Healthcare private-equity fund in Asia by Highland Capital.

Nevertheless, the firm has a 15-year track record in healthcare investments. Highland is currently managing over 1.5 billion dollars assets in healthcare. The focus of the new fund is the emerging healthcare companies in Asia and North America. Changes in the American demographics and increased access to care in Asia are driving government and consumer demand in the sector.

Since 2005, Highland Capital has committed over 10 million dollars to charities, nonprofits and community-based initiatives globally. The company proudly supports the communities around them and use volunteerism and board involvement as a means of making a difference.

Master Architect: Richard Mishaan Design

Richard Mashaan has gained humongous accolades throughout his career in architecture and design. Having a passion for architecture and design since he was really young, his career first kicked off right after obtaining his bachelor degree from Columbia University in Architecture.

He was first employed as an apprentice for the offices of Philip Johnson. Throughout his career, he became the wiz in coupling his fashion knowledge, architecture, and interior design that produced some of the most beautiful spaces worldwide. He worked on commercial and residential, high-end projects. Upon seeing how people gravitated and admire his work even before the launching of Richard Mishaan Design, he also wrote some publications which were two really insightful books about architecture and design named “Modern Luxury” and “Artfully Modern”.

From these achievements to his unique firm, Richard Mishaan Design Touch, he is well known as the master mixer of New York. When people think about the best designers, he will be among them in their minds.

In the Richard Mishaan Design, he goes beyond the limit daily as shown in mostly all his extraordinary masterpieces. Also, he goes beyond the box than most designers do who stick with the 21st century design. The Richard Mishaan Design’s works also show that they have a gifted eye. This firm can see beauty in what appears unattractive and ordinary to mostly all others.

And it’s only logical that his home is totally breathtaking. He created a peaceful home for his family. With all his expertised gain from the Richard Mishaan Design, his work from what he mastered with working with hotels and luxury homes, and indoor design, his home is unlike no other. He worked at a Colombia hotel, and on homes in the Dominica Republic, New York, and Florida areas.

Growing a global awareness on issues affecting humanity

One of the largest and most organized groups in the world is Avaaz its name which means Voice in various languages indicates its core mandate as that one of giving a voice through campaigns to it members as well as the general population and in the process hope to effect change globally. In various areas such as conflict resolution and poverty alleviation, climate change, human rights, as well as corruption and bad governance.

Overseen by a board of directors that include Ricken Patel who is the organization’s president and assisted by Tom Pravda the current secretary, Eli Pariser board chairman, and Ben Brandzel the organization’s treasurer Avaaz is able to give a voice to its millions of followers who come from more than 30 countries in six different continents.

These members are responsible for funding the organization through their own contributions and in place denying corporations and other foundations the role of being the financiers who would then be in a position to influence the direction that the organization takes.

Avaaz has an internet model that lets it reach its millions of supporters as the age of internet communication coupled with other technologies has eliminated the global barrier that used to exist. Each year, Avaaz sets overall priorities through all member poll this is where all campaign ideas are pooled together and then emails sent out to the more than 10,000 members these members then give their opinion and feedback via email and the campaign ideas that have the strongest member support reach the implementation stage. This model has enabled Avaaz to give a lot of freedom to its members as they are able to independently make a choice on what to participate in and what not to. By empowering its members through this form of leadership the organization has been able to ensure that more cohesion is achieved and growth of the organization remains on a positive trajectory.

Luiz Carlos Trabuco Of Bradesco Is One Of The Most Powerful Men In Brazil

According to Ultimo Segundo, Luiz Carlos Trabuco Of Bradesco is one of the most powerful men in Brazil. His legacy at the company is legendary and he is one of the few people to take hold of this mega-bank. Bradesco is without question one of the most major banks in South America. They have 27 million account holders and over $900 billion in total assets.

Amador Aguiar was the founder of the bank in the 1940s and has been the CEO for the majority of its lifespan. Much like Amador, Luiz was from the same town and had served for his bank since a young age. He had dedicated many years of his life for the company before even being offered an executive position.

Luiz had studies philosophy while working for the company, which was rather unusual for somebody working in banking. He earned multiple degrees from the Fundação School of Sociology and Politics of São Paulo.

In 1984, Amador had given Luiz the position as marketing director. Luiz decided to take risks launch more PR campaigns than the bank had ever had before. The company normally had a stance of avoiding the media, but Luiz had done the exact opposite. Thanks to the direction in marketing taken by Luiz, he had greatly increased the size of the company.

It wasn’t until 2003 when the company decided that he was ready to become its CEO. His leadership had been one of the best in the company has the more than doubled its income from pensions. He had also increased the bank’s return on equity by several percentage points.


Marcio Cypriano had been the previous CEO before letting Luiz take over. After the death of Amador in the 1990s, Luiz was considered to be his replacement, but the executive team decided that Marcio had more experience. Marcio had greatly expanded the size of the company by obtaining new assets and acquiring other smaller banks. This would lead to a great deal of market share increase in the following years.

Since the company had an age limit of 65 to be CEO, Marcio had to step down and give the position to Luiz. Although others had been considered, like José Luiz Acar Pedro or Milton Vargas, he had won the popular vote amongst executives.

It was a great undertaking to manage the new assets and market conditions that he had inherited from the previous CEO. He now had to manage the operations that they had acquired from Banco Cidade, Maranhão, HSBC and more. The market conditions were also becoming stale so he had to reform a new plan to increase profits.

In the past, Bradesco had reigned supreme as the largest bank in Brazil. What had happened was that rival banks began to merge and really changed the rankings. For example, Setúbal bank is made up of other smaller banks and now has over $100 billion more in assets than Bradesco because of the merger.

Ultimately, Bradesco is the bank that has the most amount of organic growth instead of being made up of mergers. With over 5,000 branches around the country, most Brazilians are aware of the brand name. They also have over 40,000 cash machines in most stores so that customers have a high amount of convenience when using the bank. They make a large amount of profit with commercial and personal loans.

Their offering of private pensions is also one of their most popular services. Pensions with Bradesco are usually served as an extension to government pensions rather than standalone plans. This has been promoted by the government and even favored by Dilma.

For more information about Luis Carlos Trabuco, just click here.

How Fabletics Is Leveraging The Power of The Crowd To Win With Millennial

It seems that running a successful business in today’s extremely competitive retail market is about building an incredibly resilient brand and being responsive to consumer feedback.One of the hallmarks of the ever elusive millennial consumer that some large companies seem to be failing at is understanding that these consumers want an experience and to feel as though they can trust the companies that they are spending their hard-earned money on. One of the reasons that athleisure wear is predicted to grow as a market while other parts of the retail industry are suffering is because they have an emphasis on lifestyle, something that is important to a group of consumers whose buying power is only slated to grow as they years go by. These consumers are interested in lifestyle, are responsive to strong brands and expect to be able to speak their minds. The masterminds behind the successful ecommerce company Fabletics seemed to recognize this and seize upon it.


Fabletics is a fitness apparel company that was birthed from a collaboration between actress Kate Hudson and the founders of the ecommerce giant Techstyle Fashion Group Don Ressler and Adam Goldenberg. When Adam Goldenberg and Don Ressler came up with the idea to start another brand they reached out to Kate Hudson to help them build the company. That decision turned out to be an excellent strategic move as Kate Hudson embodies the ethos that defines Fabletics and draws in new customers. Hudson is invested in living an active lifestyle, empowering women and in being authentic in a way that translates well to Fabletics’ target customers. Even though Hudson is the face of the company and appears often in its marketing materials she is far from hands off. One of the many secrets to running a successful company that Hudson shared with CNBC involved being actively involved in one’s business. Hudson keeps track of sales numbers and is aware of which pieces of Fabletics clothing are flying off its electronic shelves and which pieces aren’t.


Another key to running a successful ecommerce company that Hudson shared in her CNBC interview is the ability to identify what is known as white space opportunities. White space opportunities refer to business opportunities that have yet to be identified. There was a need for athleisure wear that would be accessible to consumers at lower price points and Kate Hudson and the team behind Fabletics recognized this. For instance they were willing to recognize that plus size customers were looking for affordable and fashion-savvy athleisure apparel and made sure to develop options for this market segment. Customers can take a survey that allows them to select their size and body type.


Fabletics is also succeeding in an incredibly difficult market place because it is leveraging the power of the crowd to its benefit. Nowadays the reviews that customers leave about businesses online can shape potential customers’ decisions about whether or not to give their business to a particular company. The saying goes that the key to a stable retail business is getting repeat customers and referrals. Fabletics understands that repeat customers and referrals will likely be driven by the quality of its online reviews in this new retail environment. Fabletics also uses online reviews as a valuable barometer for understanding how customers are responding to its brand and tries to incorporate feedback from reviews into how it manages its company.

Rodrigo Terpins Thrilled By the High-Speed Automotives

Rodrigo is one of the seasoned racing athletes Brazil will forever be grateful about both for recognition and the wins. Smart genes run through the Terpins family. His Biological father, Jack Terpins other than being a real estate guru, he played basketball for Hebraica in his youthful age. Additionally, his four years younger brother, Michael Terpins has participated nine times in the Bull Sertoes Rally competition.

The Sao Paulo Bull Sertoes Rally which was a 2,600 kilometer stretch across two states from Goias enrout Minas Gerais. Rodrigo among other 200 rally drivers had been signed in for the competition in categories of trucks, cars, motorcycles, quadric-cycle, and UTVs. It was the first time in Rodrigo’s racing career to have stepped foot in Belo Horizonte and an off-road race. The road was full of uncertainty with bad terrain from mud. For more details visit terpins.

In the Prototypes T1 category, two Brazilian nationals, Rodrigo Terpins and Fabricio Bianchini scooped the third position and overall got ranked position eight. Rodrigo attributed the success to his brilliant partner, Fabricio whose input and aid was an excellent plan. His car no. 326 was another smart choice with a navigator and debutant to absorb the external and internal pressures. His brother Michael Terpins and his partner Sven von Borries came in fourth under the same category. Although he missed out on the Cuesta Off-Road, he will surely make a presence in the Setoes rally 24th edition. Check out terra for more details.

About Rodrigo Terpins

He is a registered and an active participant of the Bull Sertoes Rally team. An athlete who has shown great potential and zeal for the sport, and one who has made a name for himself and his country too. Rodrigo Terpins is a specialist in the T1 prototype category from which he has participated in rally competition year in year out.

The 44-year-old is still energetic and a passionate rally driver. Other than the Sertoes Rally, he has also participated in the Cross Country Rally Championship. Cumulatively, he has over 2,600 kilometers under seven different podiums in only two states. Rodrigo Terpins keeps setting the bar higher for himself and other fellow drivers in the world.

Mr. Lavin: Received It Is An Honorary Recipient

March 2016 was a special time for food industry leader. Sheldon Lavin of OSI Group International as it was when he received his first Global Visionary Award and commendation. It was the fifth year that this award was handed out but the first in which Mr. Lavin received it as an honorary recipient; he could not have been prouder of the experience and took to social media to share all about it. In turn, he inspired others – much like him but with a different dream – to go out and “get it”, making a difference in the name of all that matters on this earth, of which he is the first example.

The Global Visionary Award is a special one and one not given to any; in fact, it is handed out in India every year, and each location of celebration is notably different for each year. This award is only given to recipients of the highest satisfaction and quality in the food services industry, and those who receive it – per federal and international regulations alike – must be very special indeed. In fact, receiving it means they are one of the best food service providers in the world, something to be proud of and share for ages to come.

The OSI was recommended not only for its food taste and quality altogether but also for its immaculate ability to meet deadlines in a proficient manner while not failing to also produce the highest level of customer service and client or partner satisfaction at the same time. The work load is constant, and only the best experts in hospitality are fit to “make the cut” in the final run. Yet, Mr. Lavin and his group were among this few and now plan on how they can receive the award again next year; Lavin notes that great things are in the works as we speak, so do stay tuned for updates to learn more about us: click here.

Sheldon Lavin loves food. In fact, he has managed it for over 20 years. He is the go-to man for all things in the food industry business.

Dr. Jennifer Walden Gains a Client Base in Texas

Dr. Jennifer Walden is one of the most fascinating faces in plastic surgery. There are a lot of plastic surgeons across the United States, but there are not a lot of them that get the same type of accolades that Dr Jennifer Walden Reviews has received. One reason for this may be that Walden is connected to various entertainment sources. She has been a correspondent for VH1 television when it comes to plastic surgery, and Dr. Jennifer Walden has also been able to make appearances on morning news shows and provide input on groundbreaking technology in the plastic surgery arena.

These are the things that have given her a greater platform for the field that she is in. Dr. Jennifer Walden has also help write a book on plastic surgery, and this has given her even more exposure. One of the big stories that people follow when they discover Dr. Jennifer Walden is her transition from the well-established practice that she created in Manhattan to a return in her native city of Austin to establish a whole practice and start her career over again.

When people look into the articles that are published on this in Austin MD or any other local Texas-based publication they will find that Dr. Walden made her decision to move back to Texas to stay connected to her family. She was a mother that wanted her children to be connected to her immediate family. This is what prompted Dr. Walden to return, and her patients in Austin have been quite pleased with her move back to Texas. She has managed to perform procedures for lots of patients that have been interested in rhinoplasty and breast augmentation. Dr. Walden has been able to secure a huge client base of satisfied customers that have given testimonials about her work.

Learn more about her: