Author Archives: time4tech

HCR Wealth Advisors


Saving for retirement is something that we should all be doing but that many people have trouble actually accomplishing. Saving for retirement is the best way to ensure that your future is secure and that when you are ready to leave the work force you have something to fall back on. So, what makes saving so hard to do? Having a wealth management firm like HCR Wealth Advisors on your side can help you to find out how best to save for your future.

A great deal of trouble that comes with saving is that many people are not really sure how much they need to save, where they need to save it, or how they should be saving. Not being equipped with the knowledge to save appropriately can make it difficult to actually get the saving started and to get some money put aside. Knowing what sorts of saving there are out there can help you to determine what is going to work best for you and what is going to serve you best. In terms of retirement savings, having a wealth management firm like HCR Wealth Advisors can help you to invest money that you want to save for retirement.

There are three different types of savings. The first is short term savings, this is money to help with immediate bills, say six months’ worth of bills. The next is medium term savings for larger items like houses and boats and other things that you might want to purchase in the future, and the last is of course long-term savings. Long term savings is generally money that you would save for your retirement or for your future.

Knowing about what types of savings there are out there can really help you to find out what savings is going to work for you and for the particular goals that you have in mind. Each savings type has benefits and setting your goals is the first step toward being able to save the money you want to save.

This article is provided for informational purposes only and should not be interpreted as investment advice.

Top Attractions in Chicago

One thing is for certain: you won’t ever get bored in a city like Chicago. The city is home to some of the best nightclubs, museums, galleries, and entertainment in the country. If you’re new to Chicago, you may not have had the chance to explore all of the fun the city offers. Don’t be shy and make plans to get out there and enjoy life in Chicago to the fullest. There is no shortage of entertainment throughout Chicago. 

Things to do in Chicago

No matter what you call fun, a plethora of activities throughout Chicago offers to entertain your time. Among the top attractions in Chicago:

  • 360 Chicago Observation Deck
  • The Art Institute of Chicago
  • Wrigley Field
  • Cloud Gate
  • The Magnificent Mile
  • Chicago Riverwalk
  • Lincoln Park Zoo

This is not a complete list of things to do in Chicago, of course, but highlights some of the best entertainment around. You know the chance to enjoy these activities excite you. 

Better yet, why not contact Beal Properties and relocate to Chicago? It’s a great city and with so much to do, a place where you can always have a good time. Beal Properties has some nice rental properties available for anyone that’s ready to make the Windy City their permanent home.

Live the Life of Luxury

The luxury properties offered for rent from Beal Properties offer all of the amenities that make life great. If you want to secure easy, comfortable and luxurious living, visit the Beal Properties website to view the properties in neighborhoods such as Gold Coast, HighlandPark, Lincoln Park, and LoganSquareand find your new rental home.

 The Incredible Art School, Academy Of Art University


Fashion is changing daily, and it calls for creativity. Academy of Art University has various art courses that will significantly help you to enhance your artistic skills. Besides offering you the courses, they also give you an opportunity to take part in various fashion activities such as the New York fashion week activities. Let’s examine the foundation of the university and its participation in the fashion week show.

Academy of Art University

Academy of Art University is a for-profit school found in California. The primary goal of the school is building well skilled future artists. The school began as an academy of advertising art in 1929. The proprietor was Richard S. Stephens who was also an artist working as a magazine editor and painter. In 1951 his son Richard A. Stephens took over and then his daughter Elisa in 1992.

The school received authorization from the western association of school and colleges to teach the fashion courses in 2007. The council for interior design also gave it accreditation to offer the masters and bachelor degrees in fine art. It offers about 25 courses with some offered online.

Besides offering the art courses, the school has an automobile museum, which they use in teaching some of the art courses. In the museum, you will get to see some of the rarest and valuable cars in the world. The students also take part in co-curricular activities such as sports. In 2015, the men’s team was awarded the second position in the pacific west conference championship.

Participation in New York Fashion Week Show

The school also participates in the New York fashion show. It held it 21st fashion showcase on September 9, 2017. The exhibition is essential to the art student as their talents are exposed to the limelight. The designers came up with multiple ideas for the future of fashion depending on their individual experience. For instance, Hallun Zhou who came up with outfits made of vinyl and PVC because of her creative concept class experience. Other participants were Eden Slezin, Dina Marie, Saya Shen, Jelly Shan, Carlos Rodriguez, Cana Klebanoff, and Joanna Jadallah.

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Six Books Fundamental to Guilherme Benchimol’s Entrepreneurial Career

Significant business figures like Warren Buffet and Bill Gates have made regular reading a part of their lives and businesses and extolled the benefits. Guilherme Benchimol, CEO of XP Group, is no exception in this regard.

In business, Guilherme Benchimol developed the concept for XP Investimentos when he was 25. He has since devoted his time to realizing its potential. XP now has an active base of 980,000 clients and $215 billion in funds under management.

This is a list of six books selected by Benchimol as highly-influential in his success.

Collins and Porras review 18 companies that have stayed standing over time and examine characteristics that led to long-term success. The book has been a source of perspective for Benchimol in creating companies that last.

This book takes a look at the concept of exponential organizations and the industry-changing impact of companies such as Amazon, Airbnb, Uber and Github. For Guilherme Benchimol, the book was an insight into companies adopting technological trends at critical moments in history.

  • It Starts With Food by Dallas Hartwig and Melissa Hartwig

The book sets up a 30-day plan for developing a relationship with food and nutrition. It builds strategies for eliminating wrong foods and gaining long-term health benefits.

  • Good to Great by Jim Collins

How do some companies, good or bad, hold up over time? The authors compiled their observations on companies built from the start for sustainability.

  • The Endurance: Shackleton’s Legendary Antarctic Expedition by Caroline Alexander

Alexander recounts the events and difficulties in the 1914 expedition to Antarctica. The book deals with topics of endurance and camaraderie.

  • If I Knew Then What I Know Now by Richard Edler

The universal question: what do you know now that you would want to know 25 years ago? The author puts it to professionals, from presidents to advertisers, and relays tips for sound decision-making.

Matthew Fleeger Steers Gulf Coast Western to the Number One Spot

Matthew FleegerThe current CEO, President, and Director of Gulf Coast Western LLC is none other than Matthew Fleeger. He took over running this family business when his father retired. In spite of his personal relationship with his old man, it never became a reason for him to receive any special treatment in their company. In fact, he had spent many years studying business not just in the oil and gas sector, so he garnered a lot of experience before he was called on to lead the company.

He has a bachelor’s degree in Business Administration, with his diploma coming from the Southern Methodist University in Texas, a prestigious private school known for producing the best graduates. When Matthew Fleeger graduated from college, he spent the next several years learning about the oil and gas industry in his father’s company from the bottom of the barrel (pun intended).

While he was serving in Gulf Coast Western, Matthew also con-currently set up his own personal companies. One is a medical waste management business, while the other deals with indoor tanning. As he was active in many things, Matt was able to hone his skills in daily operation, sales, management, finance, and strategic planning. He was able to establish strong business partnerships. He also learned how to handle merges and acquisitions with ease, so he could parlay all that he knew into Gulf Coast Western.

Matthew Fleeger

Eventually, Matthew Fleeger was called on by his father to manage the Gulf Coast Western company full time. He has earned the reputation for being an industry expert, as well as a great business partner who has wonderful relationships with the companies he has acquired. Though not a walk in the park, Matt was able to apply his strengths into running their family business. He has even increased their company holdings from Texas to many other states like Louisiana, Mississippi, Oklahoma, Kansas, Colorado, and Alabama. Under Matthew Fleeger’s guidance, Gulf Coast Western has become an industry leader in the country.

Jack Plotkin: Striving to Bridge the Gap Between Health and Technology

JACK PlotkinA hunger for knowledge and the drive for success has propelled Jack Plotkin along in his career endeavors. He is at the forefront of innovative changes in the healthcare industry and has worked with healthcare companies in technological advancements for nearly two decades.

Plotkin, a 2000 graduate of Harvard University, has always had a thirst for more information when it comes to both business and technology. He is currently the CEO of Cardinal Solutions, an advisory and investment firm located in New York City. He has advised over 100 Fortune 500 companies across all major industries, including healthcare and life sciences.

After joining a leading investment bank after graduation from college, Jack Plotkin began advising an array of Fortune 500 companies on multi-million-dollar transactions and business strategies. He built an online publishing and digital advertising business before creating his own advisory and investment company to develop start-up companies and to be able to consult with already established companies throughout the world.

Jack Plotkin’s focus today is to bring together the health care industry and advanced technologies to provide the very best health care for people throughout the country and the world. His goal is to improve the availability of data to patients and their healthcare providers to ensure they are getting the best preventative care possible.

Plotkin wrote in a recent article, “From Damocrates to Digital Therapeutics,” about his vision for the future.

JACK Plotkin

“Technology is revolutionizing the Western way of medicine and taking us from reacting to preventing. There is still a long way to go, but the proofs-of-concept and the pilots that are already out there are nothing short of breath-taking. It’s definitely an exciting time to be alive and thrilling to be part of the cutting-edge developments that will keep us that way.”

Cash or Stock? A Guide from HCR Wealth Advisors on Your Holiday Donations

HCR WEALTH ADVISORThe end of the year is rapidly approaching, and the holiday season is upon us. Giving back to the community is always a great idea and it can be tough to decide between stock and cash donations. The experienced wealth managers at HCR Wealth Advisors can provide the information needed to make the wisest decision possible.

This helpful guide is here to take all of the guesswork out of this decision once and for all. Stock is the way to go in most instances and these are the reasons why:

Tax Deductions

Itemizing deductions is key in these instances. Tax laws have changed, and HCR Wealth Advisors is here to help. Standard deductions have increased as well. Donating stock to local and national charities is the preferred choice for those who are looking to maximize tax deductions. As long as the stock donation is limited to 30 percent of the donor’s adjusted gross income, they are able to enjoy the desired tax deductions.

Tax Liability Removal

Wait for stock to reach its highest possible level of appreciation before donating. This allows for the removal of certain tax liabilities. Capital gains taxes can reach 20% on the federal level and nearly 4% on the state level. Those who do not donate wisely could incur these expenses in full.

Use Cash in A Wiser Manner

Cash donations are not always recommended but those who are looking to utilize their capital wisely should donate stock first before replacing it with cash. Looking to hold onto the stock that is slated to be donated? Purchase it at a higher cost basis first. This decreases tax liability and keeps the client from using cash in a manner that would be considered unwise.

Bigger Gifts

Of course, that is what the holiday season is all about. Selling stock to raise cash for a charitable donation sounds good on paper but in reality? It decreases the size of the potential donation and increases potential tax liability. A direct stock donation provides a sizable tax deduction and allows the donor to avoid capital gains tax.

This article is provided for informational purposes only and should not be interpreted as investment advice.

Some of the Most Influential Brazilian Companies to Invest In

The scene of business in Brazil has been taking off for many years now. They have been known for being one of the more prevalent countries for housing companies that are beneficial to the state of the world, but it has never been as powerful as it is today. The market of Brazil, while it is constantly fluctuating, has a truckload of potential for growth, and because of this potential, the country is a great place for individuals to begin when starting their investment career. The following list of companies to watch out for when considering who to invest in will not guarantee any aspiring businessperson a profit, but if their stocks are traded skillfully and wisely, one can almost surely make a breakthrough into the world of business by investing in these companies.

Wilkes Participacoes

Wilkes Participacoes is one of the biggest retail chains in the whole country. They are well-known for providing items at a cheap price despite their apparent quality. The quality of their items is not merely in their looks, either. In fact, that is the smallest concern of Wilkes Participacoes, and it is what makes their company so appealing to young investors.

They try not to focus on all the nitty-gritty details that do not actually end up making that significant of a difference in the end. While every minor change is crucial to the outcome of a business, it is also important to keep in mind that no one individual can control every factor of their business and make them positive. Some things are simply going to be weaker aspects of businesses, and there is not always something we can do to alleviate them. Wilkes Participacoes knows this, which is why they take a utilitarian approach to investment, wherein they focus on expenditures that are necessary and limit their budget to these.

Banco Santander S.A.

This finance company is another ripe example of a Brazilian company that exercises proper prudence before making an important business decision that will inevitably end up impacting millions upon millions of people. Banco Santander is one of those companies that will do anything for their clients, even go bankrupt for them. They are consistent of some of the most knowledgeable people regarding finance in the country, so it is of no surprise to those who are familiar with them to see all the growth and progression they have made as of late. Banco Santander is a proper fit for investors because they simply do not allow themselves to dip very far in terms of their stock prices. They have always been focused on staying on the climb.

Rio Purus Participacoes

The textile and steel industries have been significant in Brazil for tens of years, if not hundreds. Rio Purus Participacoes is a company that somehow still manages to push the boundaries of what is expected within these industries. To put it simply, they are not the sort who others would underestimate for a second, because they have been holding their spot as one of the biggest businesses in Brazil for many years, and they do not look like they are going anywhere.

Any of these businesses would be a good spot for starting entrepreneurs. The most important thing for these young, aspiring Brazilian businesspeople to keep in mind is that failure is inevitable; embrace it. Once this much can be accomplished, there is no limit to the human capacity.

Sergey Petrossov develops jet set community

SERGEY PETROSSOVWhile at University of Florida, entrepreneur Sergey Petrossov worked for his first startup and quickly learned that the right technology can bring value in a short time.
His first startup, an education technology firm that provided cloud-based software for Russian and Eastern European educational institutions interested in offering online and remote courses. A testament to his entrepreneurial talents, the company continues operating today.
His second project, private jet aviation app, JetSmarter, helps people fly on private jets for less – less problems at a more efficient cost.
He first flew on a private jet in 2009 and the first thing he noticed was the inefficiency. In order to book a plane, you had to phone the aviation firm, request the booking, fill out paperwork faxed or mailed to you, then return it via fax. Since this was only a decade ago, he was struck by the analog nature of it all. With cell phones prevalent, apps should be, too. Petrossov had his second idea.
He created JetSmarter.
It attempts to connect the 17,000 private jets around the world so people can reserve them as if they were booking a car via Uber or Lyft. For a $14,000 membership fee, a member gets to book seats at their leisure on flights another person booked. For a small fee, they can book their own private flight or book the plane and allow all the other seats to be purchased by other members.

This has served to develop an efficient mode of private travel among the jet set plus it has enabled the creation of a community of diverse individuals. These travelers might normally not meet although they share similar economic standing. But, by traveling together on a private jet, they can get to know one another in a safe environment. 

Tips from James River Capital to Secure the Business Funding You Need

JAMES RIVERAs the founder of James River Capital, Paul Saunders has been working with potential business owners to find funding opportunities in a number of ways. Any strong business idea can be turned into a successful business with the right funding in place. From angel investors to social media campaigns to fundraise, funding is possible using a variety of methods.

The Saunders Family Foundation is a charitable organization that was started by Paul Saunders and his wife Vicki. Together they help support other charities to work for the betterment of society. They are committed to philanthropic work and strive to make a difference every day.

To start a business, bootstrapping is the first way to see what you have for funds. You check your own credit cards, savings and see what type of funds your family and friends will provide. When you can come up with a substantial amount of capital this way, you will know that your idea is a strong one that is supported by those around you.

A bank loan may be necessary to supplement what you earn through fundraising. The Small Business Association can help you with resources that could be available to you as you try to gather enough money to get your business started. Angel investors are also possible, and you can find angel investors by getting your idea out in front of the public.

Try sites such as Kickstarter to create a campaign to raise money. This may attract a wide range of people and will be a good way to see what kind of interest there is in your business plan.

You can succeed in your new business venture, but you have to secure the capital you need first.