This One Thing Could Save Taxpayers $105 Million Annually Read more

This One Thing Could Save Taxpayers $105 Million Annually

On December 30, 2015 an interview featuring Philip Diehl, the current president of US Money Reserve, aired on CNBC’s morning show Squawk Box. In this interview Diehl spoke of the benefits of eliminating the U.S. penny from circulation.

He believes the cost of making the penny far outweigh its use. Especially since no one uses the penny anymore to make purchases.

Diehl was quoted as saying, “If you bend over and pick it up in the street, then you’re getting paid less than minimum wage for your trouble.

There are of course those who strongly disagree with Diehl’s position. According to Andrew Ross Sorkin, there are some economists who believe removing the penny from circulation can lead to prices being distorted and inflation sweeping across the nation.

In response, Diehl points out the fact economists have been using that argument for years. In today’s economy, very few transactions are cash based. Close to 80% of all transactions are now done electronically. Based on these facts, its clear to see very few transactions would be affected should the penny no longer be in circulation.

Diehl actually believes such a move would be good for the marketplace as companies would not longer feel the need to constantly raise prices. On top of that, discontinuing the production of the penny has the potential to save American taxpayers $105 million per year.

About U.S. Money Reserve

Based in Austin, Texas, U.S. Money Reserve is one of the largest private distributors of U.S. government-issued gold, silver and platinum in the nation. They have clients all over the country who rely on their services to help them diversify their assets.

One thing that makes U.S. Money Reserve stand out is their highly trained team. They have coin researchers and numismatic professionals who have years of experience and know exactly what products will produce the highest profits for their clients.

When it comes to customer service U.S Money Reserve sets the standard. Their number one goal is to establish a healthy, long term relationship with every client.

To learn more about investing in precious metals visit U.S. Money Reserve online at

Marcio Alaor A Man That Gives Back To His Community Read more

Marcio Alaor A Man That Gives Back To His Community

Marcio Alaor a very well-known name when South Americans think of success in banking, because he forms part of the executive group of the BMG group. Marcio has helped BMG to be one of the top banks in all of Brazil and also all of Latin America. Even though Marcio Alaor has been able to become one of the most successful individuals in South America, he makes it a point to continuously give back to his hometown in the rural sector of Brazil. Alaor graduated in 1989 with a degree in business administration from the Instituto Metodista Benett, and he started working at BMG in 1977 . Alaor gives his continued support to the people of his hometown. Alaor has been able to support different initiatives with in Santa Antonio Do Monte, and because of that he had a food court that was dedicated in his honor.

The BMG group sponsors many well-known teams in Brazil. They are a very big sponsor for the Brazilian soccer team and the team’s uniform carry the BMG logo. Apart from that, BMG group also sponsors a men’s volleyball team and two female volleyball teams. The group also actively supports three basketball teams and as well.

Maricio Alaor is a man that grew up in San Antonio Do Monte and this is a town that thrives on agriculture and they also are a very large producer of milk in the west central area of Brazil. Marcio Alaor is a man that is very well loved in his hometown. Alaor has always been a great supporter of Santa Antonio Do Monte, and he is very into giving financial aid and helping in the building of needed developments in the rural sector of the city. Alaor is a man that is very true to his roots and he has never forgotten where he has come from

George Soros Scares Investors Read more

George Soros Scares Investors

George Soros, a billionaire investor says it’s like 2008 all over again. At an economic forum in Sir Lanka, he warned investors to be cautious as financial markets are facing a major crisis.

According to Bloomberg, Soros claimed that one of the reasons is China. The country stock market has declined in recent days to the point where trading halts were implemented.

Chinese yuan’s devaluation and slowing economic growth are major issues, and Soros believes on Bloomberg that China needs to make major adjustments. Meanwhile, China’s problems are spilling into the rest of the world.

Slowdown in China’s huge consumer market is likely to affect exporters of manufactured goods (such as Germany), luxury goods producers (Italy, France), as well as numerous nations relying on commodity exports, and then their trading partners.

At present, China is in a long-term shift from manufacturing and investing to services and consumption. And that adjustment may not be easy.

China’s Communist Party has made a pledge to increase yuan’s convertibility in five years and dismantle capital controls. That may not be bad per se, but adds to the uncertainty over the future of the world’s second economy, and soon-to-be number one.

So far this year, equity investors around the world have lost around $2.5 trillion. And the markets haven’t come down yet. The volatility index (VIX) has risen 13% in recent days.

This has been picked up by the financial media and the investors are running scared. Yet, some advisors claim this may be a good time to pick up some shares.

George Soros had issued similar warnings before. In 2011, we warned of a major crisis coming from Greek default. That crisis has been postponed but not resolved. The Europeans are lending money to Greece as if the issues in Greece have been resolved.

They haven’t. If problems in China, Europe, and the Middle East come to the forefront, then we have a receipt for a perfect disaster.

What Soros says is closely watched by many since his track record is astounding. His hedge funds have averaged 20% return from 1969 to 2011. This performance is only slightly behind another great investor, Warren Buffet.

Another difference between the two is that Soros is more of a speculator type. Nevertheless, the man knows financial markets inside out as his $27-billion-dollar fortune made in the markets testifies.

As the financial turmoil unravels, many investors will surely be watching what Soros and other famous investors have to say.

Koch Partnership With ACLU Raises Questions Read more

Koch Partnership With ACLU Raises Questions

Charles and David Koch are known for being the most notable donors to right wing candidates running for any type of political office. Most right wing conservatives were shocked, or at least surprised, when Koch Industries Inc. took up a partnership with the ACLU. This organization describes itself as non-partisan when it comes to politics but that doesn’t stop people from aligning it with a more leftist agenda.

Reason for this partnership doesn’t have anything to do with political alignment as much as it does justice, criminal justice to be exact. Charles Koch is extremely passionate about reforming the criminal justice system and Mark V. Holden, general counsel and senior vice president of Koch Industries Inc., was Charles’ spokesperson on this subject when speaking to Bill Keller.

It is Charles Koch’s belief that the criminal justice, for far too long, has been a two tiered system. It benefits the wealthy who can afford a lawyer and is extremely detrimental to the poor who will plead guilty simply to avoid the costs of a trial or court costs. Holden spoke with experts, Judge Alex Kozinski and Judge Jed Rakoff, who noticed a pattern of innocent people pleading guilty. “None of us can or should be comfortable with that.” stated Holden.

Holden also discussed the two tiered system affecting former offenders from re-entering society long after they leave correctional facilities. There are limitations on their right to vote, being able to afford housing, applying for a credit card and the most important of all, getting a job. He believes this is the main cause for recidivism and reincarceration.

Keller touches on the most liberal candidate for social justice today Bernie Sanders. He mentions that Sanders has not stated his stance on criminal justice reform and Holden informs him that in 1994 Sanders actually voted in favor of the Omnibus Crime Bill which was the result of over criminalization and over incarceration.

Keller mentions the Koch’s well known affiliation with the right wing and Holden explains that regardless of political alignment, criminal justice reform is something we can all agree on. Holden explains that focusing on crimes that affect our safety and security, i.e. assault, fraud, then we have a chance to save taxpayers money and ensure that everyone is treated fairly by the criminal justice system. Keller counters that spending the saved money on rehab for drug addicts will be counter productive but Holden says that the company firmly believes if billions of dollars is no longer wasted on incarceration than it would free millions from another prison known as poverty.

Charles Koch is the co-owner and CEO of Koch Industries Inc. alongside his brother, David. He attended the Massachussetts Institute of Technology and received a Bachelors of Science in 1957. In 1961, he moved back to his hometown of Wichita, Kansas and joined his father’s business. Charles married in 1972 and has two children. He and David inherited Koch Industries Inc. which was a simply oil refinery company but they have since expanded it.
He views himself as a classic liberal politcally.

Artificial Intelligence Poised to Change the World of E Commerce Read more

Artificial Intelligence Poised to Change the World of E Commerce

When most people hear AI, or artificial intelligence, mentioned they immediately think of a Hollywood film or robots. However, the truth is that there has been a lot of fluctuation as technology wiz’s attempt to figure out the best way to utilize AI. However, the truth is that there is no big groundbreaking discovery that will mark the integration of AI in our everyday lives, because it is already here.

Via small things such as predictive search on Google, Siri on Apple, or automatic tagging on Facebook AI is already being practiced in everyday lives whether you know it or not.
Over the last decade people have become dependent on what AI has to offer as it slowly becomes more and more useful in the world of shopping and eCommerce. Shopping online has generally boom over the last decade and now companies all over the world are looking for a way to become their own industry leader.

When you visit a website you are met with a sea of choices from all over the places. These items are tagged by the store and then sorted accordingly. Searchers can usually find what they want using filters or keywords if they happen to match the tags. Most people just look at deals and if they are not then they want to see choices.

So the question is how to make a website meaningful to the user so that they can discover just want they want. Amazon first answered this question by creating a recommendation system so that users can see what others who viewed the same items as them also liked. Over time categories expanded and soon there were plenty of systems to create data on what a browser likes.

However, fashion is visual and people who are shopping want to see their clothing and see clothing that is similar to their choices. This need to see is where AI is making its new leaps and bounds, as an innovative visual search tool.

Slyce has been one of the forerunners of this new AI technology by creating image recognition technology that allows companies to actually offer their customers an ability to shop by image. This is not only changing the way that ecommerce operates, but it also changes the way people shop as it allows them to be much more engaged.

Slyce’s Co-Founder is Cameron Chell who has worked with the company using his visual search and image recognition technology and dreams of seeing the internet search function in a different manner. Slyce works with any savvy business that wants to take their online shopping experience one step further. For more on AI check out this article published by the Deccan Herald.

The United States 2015 Stock Market Analysis Read more

The United States 2015 Stock Market Analysis

James Dondero is a professional entrepreneur who has been offering clients with quality advisory services in the capital market. Jim Dondero serves as the head of Highland Capital Management, a firm that is well equipped and advanced in credit markets and collateralized loans obligations. He began his entrepreneurial career after he was signed by the GIC subsidiary.

James Dondero hit the limelight of his career when he managed to change the GIC subsidiary Company from a startup firm up to two billion dollars institution for a fiscal period of fewer than five years. He also encountered fixed returns of funds exceeding one billion dollars in the American Express Company. Dondero is also an experienced accountant and a finance strategist, a condition that led to his success in the firm. Apart from being the president of HCM, he also currently serves as the NexBank board chairperson and the American Banknote.

Being a finance strategist, Dondero has been successfully advising the investors on the best times to make investment moves so as to avoid a recession that causes significant losses in the financial market. According to the views of many investors, 2015 commercial came to an end as it started. A lot of shifts in the investors’ attitudes were highly evidenced. The capital market analysts have however seen the occurrence of positive indicators in the market, a scenario that will attract returns to the investors. Watch Jim and the Highland team ring the NYSE Closing Bell below.

The price of oil has been tremendously shifting towards the right but in a downwards movement on the crude oil graph suggested by The trend has instilled fear to investors who had highly invested in the oil stock markets as a result of the evidenced shooting prices in the months of April, May, June, and July. However, the Month of August started the mini-crash that led to the shifting of attitudes from optimism to skepticism. The 2015 financial year was all about lots of conservative optimism in the minds of the investors who had an aim of encountering huge returns.

According to analyst Dondero, investors should consider buying safe stocks when the turn of events in the stock market appears risky. Jim stated that safe stocks always attract solid dividends leading to attitudes improvements in the minds of the investors. According to news, investors operating in the United States stock market should consider making investments as the indicators are positive.

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General overview of MarcioAlaor Read more

General overview of MarcioAlaor

Marcio Alaor is the director and vice president of BMG bank in Brazil. He has extensive background and knowledge on finance and economics field. For the past several years BMG bank has raised to fame due to Marcio great leadership skills. He is the man in charge of payroll bank loans thus giving best returns. In addition, he has concentrated more on the diversification of investment and funds thus ensuring clients receive standard and high quality services to their satisfaction. Marcio Alaor has been very influential to most people due to his amazing skills.
Success of BMGBank
BMG is a privately owned bank that was formed with an aim of offering credit to consumers who need it quickly and urgently. One of the key elements that have enabled BMG bank to succeed is its proper management which is controlled by Marcio Alaor. BMG has maintained its position for quite some time and is still among the top and best banks in Brazil. BMG bank provides numerous services to businesses and individual thus creating networks all over and good relations. These services include investments, insurance, deposits and credit cards. Individuals and businesses that have associated with BMGare in all times assured of opportunities to meet all their financial needs.
Marcio Alaor has had great influence on the bank including the forming teams that help solve all complex financial problems. Marcio Alar has helped the bank improve its operations to therefore overwhelming other tough competitors within the market. Moreover he has ensured governing principles have been implemented to ensure proper practices for clients.
Marcio Alaor has also taken part in explaining the Australians economy and why it is an exception from experiencing global crisis. He argues that this issue has gained prominence among other economic experts. Alaor reports that Australia is an exception because it has majored on the exportation of goods that are produced in large scale and traded widely in the international markets. These commodities are mainly agricultural such as wheat and soy beans and mineral goods like aluminum and iron. Marcio says that Australian economy has therefore done well in its operations and the exportation of commodities has served as a very important stimulus.
Brazil has been noted to being among the top world’s fast growing economies. BMG bank under Marcio Alaor leadership has been among the important sectors that have contributed largely to this success. Mr. Alaor understands well the needs of ordinary individuals in Brazil and through the bank he has been able to help them enjoy financial independence as much as they can. The staffs working under Marcio also have been trained to understand that credit access is one of the key factors that helps raise an economy to a better position.

Snoop Dogg, Autism and Music Read more

Snoop Dogg, Autism and Music

The words Snoop Dogg, autism and music might not make much sense together, but the combination of those three things led to the founding of one of the most innovative autism charities today, Autism Rocks.

The non-profit organization supports autism research by teaming up with international celebrities. Famous musicians like Prince and Elvis Costello donate their time and talent to perform at special concerts where donors give anywhere from $750 t $1,500. What makes Autism Rocks standout among many charity fundraisers is the exclusive feel of the top-secret concerts. Their methods are apparently working, because their first concert raised over $3 million.

For the founder of Autism Rocks, Sanjay Shah, the charity is a combination of several of his passions, particularly music and family. Shah’s interest in autism research began when his own son was diagnosed with the condition. He says, “As a dad your first question is ‘How can I fix this?’ And when you’re told you can’t – that it’s something that you have to live with – it’s very hard. But if it can’t be solved, you have to ask yourself, ‘What’s the next best thing I can do?” Shah decided that while there were many resources providing support for families with autistic children, there wasn’t enough money being dedicated to researching the causes of the condition, so he decided to focus his efforts on supporting research.

Shah was a very successful hedge fund manager whose company had grown to the point where he was able to semi-retire. After a visit from rapper Snoop Dogg, Shah was reminded of his interest in music and organizing concerts. He decided to organize an event, which although not very profitable, led to a connection with Prince. Combining his interest in music with his dedication to autism research, Shah organized the first Autism Rocks concert. Since then, he’s worked with more artists, arranged other concerts and even has hopes for a compilation album. Autism Rocks is a real benefit to autism research, and it all started with a visit from Snoop Dogg.

You can follow them on LinkedIn.

OrganoGold is Much More than a Great Cup of Coffee Read more

OrganoGold is Much More than a Great Cup of Coffee

OrganoGold is much more than just a great cup of coffee or tea, it’s a company with a vision, a vision that is being driven by its CEO and founder Bernardo Chua. Mr. Chua was born in the Philippines. Thanks to his Chinese heritage, Mr. Chua grew up with knowledge of Ganoderma, a genus of polypore mushroom located around the world. The mushroom has been highly regarded in China and other Asian countries for quite some time. With this knowledge, Mr. Chua became one of the first people to successfully market the addition of this herb to coffee and tea products outside the area.

When he began setting up business, he saw the potential with direct sales. With this newly acquired knowledge, he started OrganoGold in 2008 to help deliver this popular supplement to more Western Markets. Since starting the company, Mr. Chua has received numerous awards including the highly prestigious Direct Sales Company of the Year award. In addition to his success with the company, he also continues to help fund research and development into Ganoderma.

When Mr. Chua started OrganoGold in 2008, it only took five years for the company to reach the 55th largest direct selling company in the world. All of this success started from one small coffee shop with only three employees. This success is due not only to his leadership, but also the companies continued focus on education and transparency. OrganoGold is based out of Canada. The reasoning behind this is that Canada has some of the strictest rules and regulations of any country for businesses. This peace of mind, combined with the stringent quality control and testing the herb undergoes helps ease potential clients fears about the herb before distribution.

OrganoGold itself offers a numerous product line that includes not only coffee products, but a huge selection of teas as well. OrganoGold even offers lines of beauty products that are enriched with its popular Ganoderma supplement. With such a wide variety of products, and such rigorous quality control standards it is no wonder that OrganoGold has continued to see such widespread success and growth in the industry.

Sergio Cortes’ Advice on the Best Attires to Wear During Summer Season Read more

Sergio Cortes’ Advice on the Best Attires to Wear During Summer Season

As the summer approaches, a lot of people tend to worry about the rising temperatures because they lead to excessive sweating. The rise in temperature is inconvenience to those who sweat a lot especially in the armpits, according to a Brazilian medical expert Dr. Sergio Cortes. People feel ashamed when they are in public areas, more so when greeting others with a hug, because they are afraid of the stench. Dr. Cortes advises people to wear appropriate clothes during the summer in order to minimize excessive sweating.
According to the expert, several people associate the stench to the areas they are coming from especially the feet and the underarms, and he says that those areas have no smell, but it is the sweat. Sergio stresses that there are bacteria in these areas that cause the odor, and they become active when temperatures increase. People should be cautious when choosing the right attires to wear during the summer season so as to mitigate the adverse effects of sweating according to Sergio Cortes. He attributes that people should put more emphasis on materials, colors and sizes of their clothes. These are the major contributing factors that lead to sweating.
Tight and dark clothes are not the best to wear during this season because they retain extra heat and humidity. The expert advises people to go for light-colored attires because they are ideal and makes the body to be more comfortable. As for the best types of tissue to use, Dr. Cortes tells people to choose the more natural ones like linen, cotton, silk, and satin. He attributes that cotton is regarded as a natural fiber that makes the skin to breathe properly. Additionally, linen is also suitable for high temperatures because it has lighter colors.
Another favorable artificial fiber that is made from cellulose is the viscose. This is fresh and light tissue that is capable of absorbing moisture faster. Silk is also another alternative that is on the expert’s list. It is soft, smooth and an appropriate fabric that should accompany looser clothes because it leaves the skin breathing freely. Satin is an interesting material according to Dr. Sergio Cortes because different materials are used to make it. It is comparable to silk or cotton because it’s very light. Dr. Cortes is found on Twitter and on LinkedIn.
As found on sergiocortesoficial.