My father used to say that the ATM was the world’s best invention, but in the UK at least, this once ubiquitous piece of technology seems to be on the decline. According to PSI-Pay, one of the UK’s leading payment services providers, the rise in contactless payments, such as Point-of-Service (POS) transactions has resulted in a decrease in the number of cash machines in service in the country. The company believes this due mostly to consumers using contactless payment methods for minor purchases, not just bigger ticket items.
PSI-Pay believes that another factor has been a reduction in the authorized ATM usage fee, which is making operating cash machines less profitable. In fact, 97% of UK cash machines charge no fee at all. The government has plans for another fee cut, which could make it even more difficult for independent ATM operators to continue to provide services, especially in rural areas.
According to PSI-Pay, the rise in debit card use, which is now the country’s most popular payment method, has coincided with an increase in the number of free ATMs, which makes no sense. Although decommissioning ATMs in heavily urban areas may be a good thing, there is a fear that rural communities may find themselves without cash machines.
The heart of the problem is that the business model for independent ATM machines simply does not work any longer. Of course, people still use cash, but the trend toward wireless transactions for even small amounts means that the technology, while not obsolete, has been partially supplanted. TV didn’t replace movie theaters, but in some places there are much fewer of them than there once were. It is likely that ATMs will become part of public infrastructure in the future.
PSI-Pay Ltd. is a leading electronic payment services firm based in West Sussex. The company is regulated as an e-money provider by the FCA. They provide pre-paid debit cards throughout the European Economic Area. In addition to their main office in the UK, PSI-Pay also maintains a location in Riga, Latvia.
Adam Milstein is a proud Israeli man who is dedicated to promoting and educating the Israel-Jewish-American way of life. Adam Milstein is a real estate investor who devotes much of his time to philanthropy. Milstein is a managing partner at Hager Pacific Properties, which is a real estate company. Milstein is co-founder and chairman of the Israeli-American Council; a national organization that helps Israeli Americans with their education and help preserve their way of life. Much of Milstein’s work involves helping Israeli and Jewish Americans realize their potential and keeping in touch with their backgrounds. Among helping Israeli and Jewish, Milstein also helps Americans learn to appreciate the Israeli and Jewish ways of life.
Adam Milstein came to America over 30 years ago to earn an MBA at the University of Southern California. When he became successful with real estate he wanted to make more of his time so he became steadfast on helping support multiple important causes, many being Israeli. Milstein donated much money in various pro-Jewish causes to help these great organizations thrive. Milstein has put his hand forward in stopping and educating on anti-Semitism. He believes the world is a beautiful place if we make it, and to treat everyone you meet with respect, despite their beliefs or backgrounds.
Along with his wife, Adam Milstein founded Adam and Gila Milstein Family Foundation. This distinguished foundation, based in California, is dedicated to helping people of Israel and Jewish descend thrive in America. This foundation supports education among young students to acknowledge their Jewish roots. AGMFF promotes Jewish pride and establishes success among its people. Among working hands on with Jewish descends, the Adam and Gila Milstein Family Foundation also helps connect non-Israeli Americans to Israeli culture. One of the main goals of this foundation is to secure the bond of Israelis and Americans, and to help Jewish students flourish with their ancestry.
Adam Milstein has put his hand in helping many great causes and charities. Some of the causes are StandWithUs, Hasbara Fellowships, and Israeli on Campus Coalition. Milstein and his wife helped launch Sifriyat Pijama B’America. This is an organization that provides Hebrew books for free to more than 70 Israeli-Jewish-American families. This organization helps educate and keep students in touch with their backgrounds. Adam Milstein has helped many Israelis and continues to do so through his time and great generosity.
Bernardo Chua wears the hats of being a both a medical professional and multilevel marketing executive. Chua’s company, today, is on a mission to improve the lives of other through ganoderma infused tea, consumables, and coffee. His company also promotes personal care, beverages, and body management. Organo provides a unique opportunity for anyone looking to build a viable business and to earn additional income. Several of the company’s most familiar products include black coffee, king of coffee, café latte, café mocha, café supreme, hot cocoa, and more. Read more about Bernardo Chua on CajaMediterraneo
Today, Bernardo Chua is the CEO of Organo Gold. Originating from the Philippines, he is regarded as one of the most renowned multi-level marketing people in the world. He founded his company in 2008. His global coffee company sells Certified Organic Ganoderma Lucidum in a variety of products that include personal care, coffee, and neutraceutical products. Bernado Chua is also considered to be one of the most accomplished business persons in the Pacific Rim. His success has led to several prominent awards, which include the People’s Choice and National Consumer Quality Award. He is also received the Napoleon Hill Foundation Gold Medal as a result of his business success. His profiles are also on LinkedIn and Facebook.
The advantages of using the company’s products, Ganoderma Lucidum, is an added defense against cancer and tumor growth, improvement of liver functions and a natural detox agent, a healthier heart and balanced blood pressure, balanced hormones and an agent to help fight diabetes. It also helps to combat allergies and asthma, and it helps to reduce the risk of viruses and infections.
He is best known for his success in Gano Excel and Organo Gold. Organa Gold is now firmly entrenched in the North American market. This includes the US and Canada. The company offers products through an independent distributor network and its Club Connoisseur Coffee. Presently, the company offers products in 35 countries and is privately held.
The health and wellness industry has experienced a sharp increase in the number of people using natural medicine and herbs. This is because of the benefits associated with the products that have led to improved healthy living. Bernardo Chua is a pioneer in the world of healthy organic products that have gained awareness around the world. He was born and raised in the Philippines and he later attended the University of Santo Tomas where he graduated with a degree in Science. This was a starting point towards a successful business career that would see him invest in life-changing consumable products. View Bernardo Chua’s full profile at LinkedIn
Due to his networking and marketing skills, he was employed with Gano Excel which was a company that produced products from Ganoderma mushroom. The health benefits of Ganoderma mushroom have been immense to humans because of the medicinal values they possess. Bernardo Chua took the initiative of raising awareness by selling the products outside the Philippines like in Hong Kong and North America. With the introduction of Gano Excel in the United States of America, he was appointed the president of the company which made him migrate to the US. His marketing strategies brought a positive impact in the region as the products were supplied to other countries like Canada. Within a short period, the company had increased revenue collection due to over 1 million new customers using the product.
Due to his influential market strategies, Bernardo Chua established his own company called Organo Gold. His market entry strategy was to maximize on the quality of Ganoderma mushroom which was infused with grape seeds. He later lowered the price to encourage marketing process and the agents were encouraged to sell in large quantities to make more money. His strategic marketing skills culminated in an increased customer base which subsequently made him win many awards in the marketing industry. He is always inspired by different people who approach him to share stories on how Organo has changed their life health wise. His inspiration is also drawn from his previous work experiences and challenges he passed through in the early stages of lives. For instance, he started his first employment at just 14 years old and was expected to deliver on his mandate.
A lot of people deal with a lot of challenges to their moods because of the world they have to deal with. Often times, society leaves them feeling either stressed out, depressed or both. A lot of people need some kind of escape. Roberto Santiago developed and grew Manaira Shopping so that it can be that escape that people need. The best thing about this type of escape is that it could have people think about what they can do to increase their confidence. One thing Manaira shopping has is a lot of clothing stores. Therefore, people can buy some items that are going to make them rethink who they are.
One of the factors behind depression is that some people are tired of who they are. They are tired of looking the way they do. However, some of them come to realize that they can change the way they look and change their feelings about themselves depending on the nature of their depression. Manaira Shopping can also provide people with an escape from their daily routine which can give them a lift in their mood. One good thing about going to Manaira Shopping is that they can have an experience that they can literally take with them.
One thing that can help people with their moods is if they are able to buy something like a new outfit that can lift their moods a little. For one thing, if people find an outfit that is well fitted to them, they can gain a little bit of confidence because of the way they are dressed. This can help them appreciate themselves better. However, this is a choice that they have to make on their own.
Another good thing about Manaira Shopping is that people who go there can be inspired to bring about creative works to audiences. They have a Domus Hall that has different types of art on display. They also have events that people can go to if they want to listen to some good music. Manaira Shopping gets rid of all limits when it comes to creative expression.
Recently,Dyogo Oliveira addressed the importance of private investments to improve the infrastructure of Brazil and other Latin American countries. Oliveira is Brazil’s Minister of Planning, Development, and Management. The minister addressed the March 24, 2018 Meeting of the Inter-American Development Bank held in Mendoza Argentina.
Minister Dyogo called for studies into more effective means to manage risk during infrastructure projects and ways to make investments in infrastructure improvement projects in Latin America more attractive to the private sector. Luis Caputo the Chairman of the Bank’s Board of Governors endorsed Minister Dyogo’s proposal. Read this article at odiario.com about Felipe Montoro Jens
Spain’s Secretary of State for Economy and Business Support reported that Spain is considering investing heavily in Brazil.
Luis Moreno the president of the Inter-American Development Bank opined that to overcome the lack of private investments in Latin America there needs to be more connectivity between Latin American nations. He also expressed the need for “convergence of infrastructure“. Moreno further cited the necessity of an environmentally friendly approach to completing infrastructure projects and greater equality between men and women in Latin America.
Referring to Public-Private Partnerships for Public Works (PPPs) Minister Oliveiro stressed that Brazil has been approaching infrastructure projects in a manner that conforms to Inter-American Development Bank (IDB) standards. He added that Brazil’s approach to PPPs projects also meet best practice standards for the region, and any guidelines set down by other agencies involved in infrastructure projects.
In US Dollars the credit the IDB extended to Brazil in 2017 equaled $12.9 billion.
The information contained above is from an account of the Inter-American Bank meeting provided by Felipe Montoro Jens. An infrastructure expert Felipe Montoro Jens specializes in minimizing wasteful spending on the part of local governments and corporations in the completion of PPPs. His blog site www.felipemontorojens.com.br/ is devoted entirely to reporting on infrastructure projects in Brazil.
Felipe Montoro Jens has expertise in financial planning for both individuals and companies. Mr. Jens was educated at the American Graduate School of International Management School. He acquired additional post-secondary education at FundaçãoGetulio and Thunderbird. He is the current CEO of the investment research firm EnergiparCaptação S.A.
Known worldwide for his experience in leadership and finance, Kevin Seawright has overseen operations for both government and private organizations. In 2006, he earned a Master of Business Administration in accounting from Almeda University in Boise, Idaho. Upon receiving his degree in accounting, Seawright became Deputy Chief Operating Officer for the Baltimore City Government in Baltimore, Maryland. While working for the Baltimore City Government, Seawright served various roles such as payroll director, Deputy Chief Operating Officer, Finance and Property Director, Chief Financial Officer, VP/Deputy Chief Operating Officer, and Managing Fiscal Officer. In 2011, Seawright became the Operations Vice President for Tito Contractors in Baltimore and Executive Director of Operations for the Collington Episcopal Life Care Community in 2013. Visit epodcastnetwork.com for more info.
Keven Seawright received a Certification in Executive Leadership from the Notre Dame Mendoza School of Business in Notre Dame, Indiana in 2015 while serving as an Executive Vice President and Chief Financial Officer in Community Property Development in Newark, New Jersey. Since 2015, Seawright has been working for RPS Solutions LLC as a Managing Partner and a Chief Operating Officer.
Dedicated to his community, Kevin Seawright coaches local youth sports teams as well as being a member of the advisory board for the Babe Ruth Museum in Baltimore Maryland. Being an innovative, results-oriented and creative motivator, he helps small, and minority businesses grow so they can create jobs in their area. As a member of the National Association of Black Accountants, the National Black Public Administrators and the American Society for Public Administrators, he also helps these small businesses by sharing team building skills such as profitability, strategic planning, and understanding goals. His dedication to his community even prompted Seawright to partner with National Community Stabilization Trust in efforts to provide affordable housing in the Baltimore Community.
Read more: https://www.prnewswire.com/news-releases/kevin-seawrights-rps-solutions-llc-secures-first-housing-contract-through-partnership-with-the-national-community-stabilization-trust-300639840.html
Jeunesse Global has quickly become one of the most prominent global distributors of health and beauty products in the world. Just nine years after having been founded, in the fall of 2009, Jeunesse has reached an estimated value of more than $1 billion, making the company the single most successful venture ever created by its prolific founders, Randy Ray and Wendy Lewis.
Both Ray and Lewis had long been fixtures on the North American direct-marketing scene. The couple had been responsible for founding and growing dozens of highly successful firms. As a result, Ray and Lewis had become millionaires by their 30s and had since acquired more money than anyone could reasonably spend in a lifetime. They decided that it was finally time to throw in the towel and give the retired life a go.
But the industrious couple quickly discovered that they were not well-constituted for a life of idleness. Both Ray and Lewis soon began longing for the fast-paced and exciting entrepreneurial life that they had left behind. They founded Jeunesse Global out of the garage of their home in an effort to pass the time and fill their days with the meaning that they had lost when they quit the business world.
The business rapidly grew. Soon, Ray and Lewis were spending up to 70 hours per week on their new venture. From the start, it was the products that they were able to develop that drove growth. These represented answers to market needs that had largely gone unfulfilled by the big players in the health and beauty industry.
For example, the company’s Instantly Ageless micro-crème ranks among the most innovative facial cleansers that has been developed over the last 10 years. Instantly Ageless is a deep cleanser, removing grime and dirt from facial pores and preventing infection and irritation. At the same time, Instantly Ageless acts as a powerful anti-aging crème, restoring youthful elasticity of the skin and turning back the apparent age of the user’s skin by years or even decades.
Instantly Ageless is just one example of how Jeunesse Global is helping people reach their health and beauty goals, one great product at a time.
Brian Torchin is a former chiropractor who founded his own staffing firm in January 2007. This company is called HCRC Staffing and it is based in Narberth, Pennsylvania. He offers his services to people and companies in the healthcare sector. He earned his undergraduate degree in exercise science at the University of Deleware and he graduated in 1995 from New York Chiropractic College where he earned his chiropractic degree.
He offers both consultation services and he helps his clients locate jobs in these two industries. He is known for providing comprehensive solutions to his clients who are seeking employment. He is alsoknow for presenting pools of highly qualified clients to the companies he has worked with who need to hire for a position. He has over 200 companies he works with which are located in America, Europe, Australia, Asia, and Canada. He works with a variety of different companies ranging from small private practices to urgent care offices.
While Brian Torchin is very busy managing his company he also does maintain a blog on his firm’s website. He writes about issues such as how companies in the healthcare industry are streamlining their businesses in order to help reign in the costs of healthcare. They also want to increase patient satisfaction he says as well as reduce the number of readmissions they experience. He advises companies in this industry to stay on top of compensation trends in the industry so that they can offer competitive salaries which will attract top talent.
Brian Torchin says that his firm can hire for any position in the healthcare industry. Over the years he has placed every type of position from front desk assistant to office manager to medical doctors and nurses. He says that his team does an extensive phone interview with each job candidate. They can also schedule interviews for the companies HCRC Staffing is contracted with who are looking for job candidates. His company also doesn’t require any upfront payments from their clients. Instead, he only bills if and when his company has hired one of his company’s job candidates.
The real estate market in the city of Dubai is one of the hottest and most fascinating in the world. Over the past two decades, the real estate market has boomed considerably and there are now many different luxurious real estate developments found all over the area. One company that has continued to be a leader in the Dubai real estate market is DAMAC Properties.
DAMAC Properties is a real estate developer and manager that is based in Dubai. Hussain Sajwani founded the company over 15 years ago. Ever since Sajwani formed the company, the organization has continued to build very impressive properties all over Dubai and other areas of the world. Sajwani has a very long and successful track record in the real estate industry and recently unveiled plans to expand upon one if its most popular assets.
DAMAC Properties recently announced plans for the development of a second tower located at the luxurious Akyon City. The new project will be a major addition to the planned community. It is expected to have three basements, a ground floor and lobby, 10 floors of podium levels, and finally nearly 50 floors of luxury condo space. In total, the property will have more than 1.7 million square feet of space.
The Akyon City project is a very unique one that is new to Dubai. While the city is well known for having very creative and luxurious retail development, Akyon City is the first development that is able to act like its own small city. The enormous project already has residential space, office space, shopping, dining, and other amenities that helps to make it one of the top developments in all of Dubai.
At this point, the final plans for the new tower are still being worked on. It is expectd that the project will be able to break ground in the next year. Once it is done, it will continue to make Akyon City one of the premier real estate developments in all of Dubai as more and more people will look to move their homes and places of business to the area.