HCR Wealth Advisors Shares Insight on Good Debt Versus Bad Debt

It is important to remain on top of your finances and take charge of the direction you’re taking financially. HCR Wealth Advisors have recognized the need for Americans to manage their finances better and accumulate wealth. The registered investment advisory firm based out of Los Angeles has highlighted some important issues to take note of in their Good Debt vs. Bad Debt article.

You can easily tell your net worth by ‘subtracting’ your liabilities from assets. Debts or liabilities are often overlooked as compared to assets. The way you use the funds borrowed determines whether the debt is referred to as bad or good. Therefore, debts can be powerful tools to influence your financial status.

The 28/36 rule demonstrates the appropriate levels of debt you should assume. Here is more clarification about the rule.

26/36 rule

On the lower side, you should strive to not spend more than 28% of your pretax household income in servicing your home debt. When talking about home debt, it refers to mortgage principal as well as interest, property taxes as well as homeowner’s insurance. On the other side, you should try not to spend more than 36% of your pretax household income in servicing all forms of debt, including home debt, interest, and principal on credit cards, auto loans, as well as any other debt.

Beyond this rule

Good debts are the debts that have the potential to brighten your financial future. HCR Wealth Advisors characterizes these debts as low cost debts with the potential for tax benefits, such as student loans and mortgages. The debt acquired to purchase a home can be good debt provided it sits on the 26/36 rule and it is affordable. Debt required to finance higher education can also be good debt because it should eventually enhance your career opportunities. In addition, for many people, the interest on these debts can be deducted from the homeowner’s or student’s tax return.

On the other hand, bad debts are characterized by a high cost with no potential for tax benefits. It is often incurred in the form of high-interest personal loans or credit cards. The loans are necessarily bad debts until you make discretionary purchases and fail to pay back in full.

HCR Wealth Advisors recommends paying attention to their liabilities as much as they do to assets.


HCR Wealth Advisors is not affiliated with this website.


Look into the Reasons that You Ought To Purchase Video News Release

Press releases are progressing. Now, the use of video in promoting launches has come to be a significant way to increase engagement, traffic and click-through prices.


Few services make the most of the video clip press release (VNR). This is why not every person knows what it is, and how it varies from the traditional release, except that it is a video clip.


What is a video clip press release?

It is a release that offers the tale using visuals, which is various in single message releases. It intends to give the same info yet consists of noise as well as visuals. Professionals claimed that target markets that have viewed a YouTube video release are more likely to act after watching it.


What does it appear like?


The material depends on the sort of service or products. There are different ways to style it, including item demos, customer reviews, and interview with financiers or professionals. Video clips can also be added with infographics, still pictures and also support message to make it lively as possible.


You can embed the video clip in typical releases, or supply accurate details concerning your products. A link is included in an order for the audience to learn more regarding it as well as computer animated logo designs. Videos have a pleasing soundtrack that matches the web content, humor as well as engaging sound.


Is video launch effective for any service?


On the other hand, a recent study showed that video clip release has 55.4 percent new views and also 36.1 percent extra clicks than traditional releases. This indicates how compelling visuals like utilizing a YouTube video can drive web traffic, involvement, and sales.


There is a research study that showed that it could benefit any business. A variety of video clip releases got to information and media outlets and journalists. The media covered Their stories.


You can pitch your video to news magazines and also journalists straight to get attention. You can likewise choose to utilize newswire solutions that accept video clip submissions.


Why utilize this sort of news release?


If your brand isn’t leveraging on utilizing video clip on your launches, it’s time to change your strategy. You require to adjust to the transforming requirements of the audience that access news and also make purchases more in their smart devices.

It’s innovative.

Innovative video clips are eye-catching as well as attractive to the audience. If you have a YouTube video, you can make a two-minute video that provides the message to your target market. If your objective is for sharing on social media, you can create intriguing brief clips that can be shared throughout the channels.


You develop authority.


When you create video clips, you can display what you understand and also who you are in the market. It’s an instantaneous authority-builder because people learn more about you more as well as consider you as a specialist.


An excellent video clip can be working with somebody to discuss you as well as your brand. Apart from that pitch the story to reporters, blog owners, and influencers to extend your reach.

It’s an ideal platform to detail your message.


Whether you wish to advertise your brand, product, and services, guarantee that you know what’s the difference of a VNR from a commercial video clip. Consist of facts quotes from the specialists, credentials, as well as evidence. Don’t make it resemble your marketing. You can also embed video content in your plain message launch.


You develop video clips based upon video clip customer pattern.


When developing a video clip, you should have a suggestion of what and also where the consumer material is originating from and even their consumer routines. The good news is, there are online video evaluation tools that assist brand names in identifying the intake patterns of the consumers.


These tools help brand names recognize the high quality, intake patterns and also viewing experience of consumers before creating a video. Understanding these factors is essential for creating engaging video web content that is created the target customers.


You can share it on social media sites.


Using social networks platforms can magnify the reach of your story. Video clips are appealing content that people love to share on the network. Videos can be shared throughout different platforms, consisting of Facebook, Twitter, Instagram, LinkedIn, YouTube.


When making use of PR distribution service, ask if they offer social media sharing. Allow individuals to share your video throughout various social networks channels. They need to be very easy to download additionally.


If you intend to create video clip web content, make sure that you recognize the message that you intend to share and the demands of the consumers. Nowadays, it is now less complicated than ever to create video clips in different applications and also devices offered online.


Paul Saunders from James River Capital Gives Tips on Business Funding

Are you searching for services in investment management and advisory or commodity trading? The James River Capital is just the company for you. James River Company has set the bar high in the investment industry. The company has been ranked amongst the top websites globally generating a revenue of over twenty million dollars annually. James River Capital is located in Richmond Virginia and was founded in 1986 with the main objective being to be the managing corporation for KP Future. The company also served as the alternative investment manager for Kidder, Peabody & Co. The firm proceeded to become an independent investment firm in 1995 when the two managing directors acquired it from Kidder.


Paul Saunders, the founder of James River Capital is no doubt the go-to expert in matters of entrepreneurship and finances. In a recent interview, he gave tips on how entrepreneurs can fund their upcoming businesses. When an entrepreneur gets a business idea, the first major huddle in their implementation is usually funding for the business. In the business world today, funding can be hard to get because it doesn’t matter how good your idea is you have to prove that it can work in the real world. In his article, Paul Saunders gives entrepreneurs strategies that can come in handy when looking for funding.


Who is Paul Saunders?


Paul Saunders in the founder, chairman, and Chief executive officer of James River Capital Corporation and its affiliated companies. Throughout his childhood, he had a passion for finance which led him to pursue a B.A in the field. Throughout his career, Saunders has occupied roles in investment banking and trading. He held positions at Warburg Paribas Becker and A.G Becker. He was also appointed as director of managed accounts and commodity funds at Kidder and Peabody before being appointed as President of KP Futures Management. He later changed the name to James River Capital


Tips for entrepreneurs on funding startups


The term bootstrapping refers to funding your business using your own personal savings and borrowing from your family and friends. This is the best place to start sourcing for funds. This method may not be able to fund the whole business but it should the most crucial parts of the business. Crowd funding is a new method of raising funds that involves getting a large group of people to donate funds towards the betterment of your business. This method of funding mostly happens online.


Angel investors are also a way to fund your business idea. Angel investors will, however, identify you instead of you going out to look for them. Getting business loans and personal loans is also a way to fund a business. This method, however, puts a strain on the business to perform. Starting a business is no walk in the park but with these strategies, you are sure to become a success. Learn more: https://www.behance.net/jamesrivercc


Cassio Audi Takes Over Brazil’s Financial Scene

Cassio Audi is a musician who has always had the zeal for his talent. At a tender age, he knew that he had a unique penchant for music. Therefore, Audi worked for it. That’s why he was prompted to pursue it. He made creative music that spoke a lot regarding the challenges that most individuals were facing in reality. That was a significant part of the roll ‘n’ roll music that was played in the 80s’. Audi persistently worked on his passion into the 90s too. He co-founded Viper, a revolutionary rock band. It created heavy rock metal rhymes. Read more about Cassio Audi at cassioaudi.com.br.

Cassio Audi Group

Viper started to function in the late 80s when Ives, Pit, and Machado joined Cassio Audi. They took various roles including being the lead guitar, vocalist, salesperson, and guitarist. Audi was the drummer. He also handled lead guitar alongside bass and vocals. The team worked on a significant number of demos before launching their first album, Soldiers of Sunrise, in 1987. Read more about Cassio Audi at Medium.

Many Brazilians compared the tracks to those of Iron Maiden. Their music did well in the local scene. Audi’s drumming ability was apparent and useful in music production. But in 1989, he left the music landscape to join a university for formal education. Audi studied Business Administration at the Pontifical Catholic University. He started working in the corporate sector in 1990.

Before advancing his education, he had served in several marketing agencies as well as corporations including being the CFO of Brookfield Brazil Real Estate Partners as well as Morgan Chase. He also served as the stock analyst for Proctor and Gamble, a leading manufacturer for market leading brands such as Gillette and Duracell. Today, Cassio Audi is the serving CFO of a private equity firm, Peninsula. He coordinates various responsibilities in different areas such as accounting, financial management, treasury, mergers and acquisitions, and the implementation of different policies to govern shared service centers.

Visit: https://www.facebook.com/public/C%C3%A1ssio-Audi

Dr. Ira Kirschenbaum Works Continually To Improve Patient Experience

As the Chairman of Orthopaedics with premier healthcare provider Bronxcare Health System, Dr. Ira Kirschenbaum leads a highly skilled team of medical professional in a constant drive to provide the best possible patient care and service. Issues with bones and joints and in particular replacement of shoulders, knees and hips are all a part of what Dr. Ira Kirschenbaum specializes in. The career of Dr. Ira Kirschenbaum is an extensive one and includes time spent working as a surgeon but also working in the leadership and design process for medical equipment in his area. Information technology has also been a significant focus of the career of Dr. Ira Kirschenbaum. He holds his medical degree from Brown University and went on to add further qualifications in reconstructive surgery which were obtained from the program at Thomas Jefferson University. Dr. Kirschenbaum is quite notable for his creation of the BoneHone website that eventually was purchased by the company Medscape.


The typical day in the life of Dr. Ira Kirschenbaum includes checking social media as well as email. He likes using the resources made possible by today’s global connectivity in order to network with people who work in his industry. A typical day also consists of meetings with the major administrative personnel that run Dr. Kirschenbaum’s department. The rest of the day consists of items ranging from patient consultations to working towards methods to improve overall patient care and patient experience.


When it comes to bringing life to a new idea, Dr. Ira Kirschenbaum likes to spend a significant amount of time investigating every aspect of the idea in order to determine the best way to make it a reality. From there, it is then possible to come up with plans for factors such as distribution. He has also become very interested in the concept of value-based care in the healthcare field. At the end of the day, it is all about outcomes that are patient-based for Dr. Kirschenbaum.

The Cancer Treatment Centers of America and the Value to Patients

Cancer Treatment Centers of America believes that each and every person who comes down with cancer requires a specialized treatment plan. Each of these individuals reacts differently to the disease and to the treatment that is required.

That is why the Cancer Treatment Centers of America treats no other diseases except cancer. For over 30 years Cancer Treatment Centers of America has been treating cancer patients using their unique personal approach and advanced technology in order to achieve the best results. All of the doctors at Cancer Treatment Centers of America are specialists in their own right who can specialize in the different forms of cancer and the treatment that is required.

When a patient comes to Cancer Treatment Centers of America the medical staff will take the time to get to know you and to understand the unique situation that you have in regard to your cancer. You will receive a full battery of physicals and tests in order to determine the specific treatments that will do the best job of arresting the particular type of cancer that you have.

Each patient is assigned a multidisciplinary care team that is specific to the patient’s needs, while all the time continually examining therapies that are all backed-up by evidence, while keeping up the patient’s energy throughout the treatment. An important aspect of the treatment is also the management of side effects during and after the treatment.

The Cancer Treatment Centers of America has five hospitals located in strategic locations in the United States for easy access and minimum travel. Hospitals are located in Atlanta, Georgia, Tulsa, Oklahoma, Philadelphia, Pennsylvania, Phoenix, Arizona, and Chicago, Illinois.

Cancer Treatment Centers of America uses what they call the Integrative Care approach where they combine traditional treatment methods such as chemotherapy, surgery, and radiation. But they also use more non-traditional methods such as naturopathy, acupuncture, vitamin therapy, natural herbal medication, and other natural methods to treat the whole patient and manage side effects.

The Future of NuoDB Cloud Database

Over that last decade or so, cloud databases have become very popular; they make it very easy to access files and software from basically anywhere. The NuoDB cloud database is an elastic database that is considered a new structured query language database, or elastic NewSQL.
NuoDB has come a long way since 2008 and is said to be the future of cloud storage since it offers the space needed for entire applications and software. NuoDB is now also used by several large corporations such as Dassault Systemes and a recent addition known as Causesquare. This partnership is not only beneficial to both businesses but also to the individuals using Causesquare to raise money as it connects more people and charities with donors.
The technology world grows and changes every day and NuoDB is doing an amazing job to not only keep up with the fast-paced changes, but also prepare for the upcoming changes in the future.