At some point, you get overwhelmed with debts and your financial muscle is significantly constrained. It is at such moments that you are marred with mishaps such as being declared bankrupt. However, a remedy that would eliminate such financial problems was founded in 2002 in San Mateo, California: the Freedom Debt Relief (FDR) Company. The financial service company, a subsidiary of Freedom Financial Network, is dedicated towards offering debt solutions to Americans.
Founded by Andrew Housser and Bradford Stroh, the Freedom Debt Relief Company has always envisaged lifting the burden of debts off their customers’ shoulders by entering into negotiations on their behalf during moments of financial indebtedness in order to avert the predicament of being declared bankrupt. This negotiation is aimed at securing a deal to settle their debt with an amount that is lower than what is owed; essentially they negotiate with creditors to lower their customer’s debt amount and what Freedom Debt Relief knows.
Having reached a cumulative debt settlement of up to $1 Billion for their customers in 2010, Freedom Debt Relief has received a myriad of vaunts and praises from their customers through a series of reviews in several publications. Many of the indebted US citizens like Gary G. acknowledged that he worked together with FDR, and they set out a program that enabled him to settle his debt seamlessly. Other customers such as Julie M. averred that FDR was a place where she hit the reset button for her financial stability and Twitter.com.
Whereas other customers like Rita J. commended the simplicity of the process, Anne Marie C. pointed out the fact FDR are neither pushy nor aggressive thus giving their customers the deserved comfort. The unending compliments and commendations essentially touch on Freedom Debt Relief Company’s ability to save as much money as humanly possible for their customers and Freedom Debt Relief on Facebook.
Based on the above rave Freedom Debt Relief reviews, it suffices to conclude that the company has been of an indispensable essence to most American citizens who have been indebted to various financial institutions. It has enabled them to easily avert the eventualities of bankruptcy and more information click here.
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To many people, end month not only means that period of the month when they get to walk home with fat pockets, but also a time to pay bills such as rent, water and most commonly electricity. However, sometimes such statements may show you crazy figures that leave you wondering when did I use this much water? That tends to happen regularly especially in the case of electricity bills and if it does, don’t cry foul because it may be as a result of many factors. For instance, household gadgets bring with them some hidden costs which may take time to realize. For example, if you are you have the habit of leaving your coffee maker or charger plugged on even when you are not using it then it’s time you stop. Such practices are the number one culprits behind your massive electricity bills because it is reported that leaving an entertainment system in such a state will cause you approximately $130 in a year. Follow Stream Energy on Twitter.
That amount of cash is good enough to take you out for a treat, and there is no one out there who can willingly give you that kind of money for free. So save yourself some extra bucks and install monitoring tools which will help you keep an eye on your energy spending. Through smart meter Texas, you will receive an energy report every week which will not only help you track your power usage and save you money and headaches which you encounter every time the electricity bill is mailed to you. Watch this video on youtube.com.
About Stream energy
Established one decade ago in 2004 by businessmen Pierre Koshajki and Rob Snyder, Stream Energy is a firm which specializes in the provision of wireless, power, protective and home services. It started off as a natural gas and retail electricity firm based in Dallas, Tollway center to be precise. It renders its services in most parts of the United States and uses multilevel marketing to make its sales. For instance, in 2014, it merged with Ignite a company which was its main multilevel marketing arm before. Through this platform, the staff and associates can earn commissions by selling the services and goods offered by Stream or through the recruitment of new sale associates. Through this strategy, the firm continues to expand, and it pays its associates quite well with an average income of $117.12 annually.
American Institute of Architects has a unique place in the mind of not only Americans but architects around the world. The professional organization set up by architects of United States has a unique public image and works as a link between the players in the design and building industries. It offers community redevelopment, education, public outreach, and government advocacy to the construction industry as well as the public in the country. The primary organization for architects is founded in 1857 and headquartered in Washington, D.C.
Currently, AIA has over 90,000 certified architects and other associated professionals as its members. As part of its community development mission, AAI architects work with governments in formulating policies that can alter the practices to make them enhancing the quality of the life of people in the United States. It monitors various regulatory and legislative actions and uses its expertise to influence the decision making in federal, local, and state administrative and legislative divisions. Interestingly, the community-based programs developed by AIA works with governments and legislatures to improve the design of public areas, develop affordable and well-designing housing solutions for the people of America, and protect the infrastructure of the country.https://www.linkedin.com/in/robert-ivy-143b741
As the Chief Executive of the organization, Robert Ivy leads the organization in all its missions. He is also working as the Executive Vice President of AIA from 2011. Ivy currently leads the organization in a major transformation – repositioning it for the needs and requirements of the 21st century. While taking up any new projects, Ivy ensures that core values of the organization have strictly adhered. Under his leadership, AIA committed for a ten-year development program that focuses on solutions based on sustainability, resiliency, and public health to various natural disasters, especially in the urban areas. The comprehensive plan has university researches with grants, community level executions, software projects to handle situations, and more. Due to the recent natural disasters, it has got an increased significance.
Robert says that design can play an important role in public health, and it was proved many times in the past. He says that Central Park in New York was an attempt to remove substandard housing with an amazing recreational and breathing space. Now, the Park plays a pivotal role in the public health of New York City. Ivy says that new generation architects have new interests and look for complex issues and solutions for that. He continued that they are extreme importance to public health.
USHEALTH Group, Inc. is a Fort Worth, Texas based insurance company that offers innovative coverage programs for self-employed individual, families as well as small business owners throughout the United States. Incorporated in 1982 as Ascent Assurance, the company’s name was changed to USHEALTH in 2005.
Throughout its history the company has been known for providing its clients with affordable, comprehensive coverage options designed to meet their changing needs. The USHEALTH Group is a family of companies that is continually working to provide their clients with the insurance coverage they need.
The company and its subsidiaries offer health insurance plans as well as supplementary products. They include fixed indemnity medical insurance, individual health insurance, dental and vision insurance, critical illness coverage, plus effective solutions for accident and income protection.
Through its agents, USHEALTH also offers term life policies that are renewable and convertable and provides accident, life and specific illness protection. The company is nationally known for its superior level of flexible, innovative health insurance coverage for individuals and families. Learn more about US Money Reserve: http://www.ushealthdirect.com/ and https://www.indeed.com/cmp/US-Health-Group
The family of companies that make up the USHEALTH Group give people access to a complete portfolio of health coverage plans which can be tailored to meet their specific needs.
Those plans are affordable, flexible, innovative and secure and are designed to ensure that all family members and employees are protected no matter what health challenges they face.
Some of the types of coverage USHEALTH offers through its subsidiaries include short-term accident disability income insurance, life, dental, vision and critical illness coverage and specified disease sickness insurance.
The mission of the company’s USHEALTH Advisors division is Helping Other People Everyday or HOPE. This is the daily commitment of everyone in the organization. The staff puts that into practice by listening to the clients’ needs, understanding their goals and dreams and creating the policy that’s best suited to them. The hallmarks of the USHEALTH Group’s product portfolio are affordability and reliability.
They provide coverage for their clients’ everyday medical expenses as well as their serious medical events. The USHEALTH Group serves its over 15 million customers by drawing on an unparalleled combination of innovation and experience. Read more: US Health Group Careers and Employment
By visiting the company’s website or placing a call to one of their licensed agents people can get free price quotes and information about coverage, benefits, treatment and cost estimates, health and wellness programs, RX and pharmacy services and a whole lot more. You can also find out about some of their many valuable healthcare products. They include:
Essential Health Benefit
For over 35 years, millions of people have depended on the USHEALTH Group for their diverse insurance coverage needs.
Betsy DeVos has worked in different capacities at organizations such as the American Federation for Children, Alliance for School Choice, Art Prize, Foundation for Excellence in Education, DeVos Institute for Arts Management, Great Lakes Education Project, The Potter’s House School, and Philanthropy Roundtable. Her work in these organizations greatly shows her commitment to philanthropy. Together with her husband, the DeVos’ have contributed over $139 million in philanthropic work over the course of their lifetimes, majorly focused on the education sector. In 2015 alone, Betsy through her foundation, Dick & Betsy DeVos Family Foundation which was founded in 1989, contributed $10 million to different organizations. Pledges worth $3.2 million were also made in the same year to be paid to various organizations in later years. Some of the organizations that have been supported by Betsy DeVos together with her family foundation include Loudspeaker Media Inc. Funding worth $400,000 was given to the organization to support the launch of an educational site, The 74, by former CNN anchor Campbell Brown.
Further Philanthropy Work
Colleges and universities such as the University of Maryland College Park Foundation, Ferris State University, Davenport University, the School of Missionary Aviation Technology, Rollins College, Cornell University Weill Cornell Medical Center, and Calvin College have benefited from her donations. Wake Forest University, Embry-Riddle Aeronautical University, Grand Rapids Community College Foundation, and University of Michigan Food Allergy Center have also benefited from funding by Betsy DeVos and her foundation. Betsy has also been working with Potter’s House since when her children were young. A visit to the school together with her husband sparked her interest in education and school advocacy. She, therefore, established a scholarship fund in the school but later on got involved further and is a major contributor to the school to date. DeVos also donates to conservative organizations such as the American Enterprise Institute for Public Policy, Institute for Justice, and the Intercollegiate Studies Institute Inc. Given that she is a Christian, Betsy DeVos has contributed to many Christian-related education organizations such as Christian Schools International, the Ada Christian School Society, among others.
Betsy DeVos is the current Secretary of Education in the Trump administration. She is married to Dick DeVos who is the son of Richard DeVos, co-founder of Amway (now Quixtar). Betsy has been operating Windquest Group, which she started with her husband in 1989. The company deals in the development of clean energy and water technologies in Michigan. She has four children and five grandchildren. Betsy DeVos pursued her high school diploma at Holland Christian High School before proceeding to Calvin College in Grand Rapids, Michigan for her Bachelor of Arts degree. While at college, she was actively involved in politics and has been part of the country’s politics since then. DeVos’ love for education has seen her concentrate majority of her philanthropy works to the education sector in the USA.
For updates, follow Betsy DeVos on Facebook.
Many people close to retiring have the same question. Their question is, “how much money should a retiree have in stocks?”. The answer is that there is not one good answer for everyone as it is dependent on many factors. These factor are ones health, age, monthly spending, and the size of the retiree’s portfolio. The term used for this is retirement rebalancing says Alex Green of the Oxford Club.
Today, Americans are living exceptionally longer lives. Depending on what age a person decides to retire and their over all health, this can mean two to three decades of retirement. When preparing for retirement, the length if possible retirement should be considered, along with the possibility of inflation in the cost of living.
Retirees still have the risk of having too much money in stocks, but there is also risks associated as well. Retirement rebalancing helps retirees avoid these risks.
Retirement rebalancing works differently because instead of looking at the percentage of stocks in their portfolio, retirees look at the monthly overhead, focusing on how much cash is needed in low risk bonds. This done by thinking about how much money is needed for a month, then set aside five years worth of money needed for living. Be conservative with your money, and think about the bear market when stocks go down to a low.
When stocks are at their high, then is the time to liquidate stocks and save bonds and cash for when the market reaches a low.
If a person of retirement age dies not have a large enough portfolio to set aside five years of living expenses. There is a list of things to do to gain it. First, is work longer so that there is enough, save more for retirement, make investments at a higher rate if return, set aside a three to four year reserve instead, and reduce living expenses if necessary. This is more valuable then how much in stocks should one have before retirement.
The Oxford Club is a private network of investors and entrepreneurs who are successful from all across the globe. The strategies they provide are used by themselves personally. The Oxford Club makes many investment recommendations from all areas if finance.
The world of kitchen cabinetry is changing as tastes have been changing in recent years. The most recent trends show that no one wants their house to be like everyone else’s, and everyone wants their cabinets to work as hard as they do!
Some of the newest trends include personalized cabinetry like custom colors and cabinets with specialized functionality to meet the needs of the homeowners. To go along with this trend, another new trend is functional design. It is no longer enough for the kitchen cabinets to look good-but they now need to be more useful as well, including things like better organization, and outstanding storage inside. To help with this functionality-horizontal cabinetry is also starting to gain popularity. As are high tech cabinets with charging stations.
Some other trends include the appearance of the cabinetry. Subtle clean design is very popular, as are new takes on the shaker style. While white has always been a popular color of cabinets, we are now seeing other neutral options such as black and grey as well.
Choosing the right cabinet company is always important as well. Siteline is one very well known company that makes custom and made to order cabinetry in a variety of door styles, finishes, and colors out of their state of the art plant in Virginia.
They offer many drawers and cabinet interior accessories to help personize your cabinetry and help your cabinets function better for you. They have options to meet all your potential storage needs for cabinetry in any room of your house.
Siteline’s authorized dealers are remodeling experts so you can be sure you are in good hands from the first concept to final installation. Siteline has a quicker than average turn around time for their cabinets-which is great because living in a home during a remodel can be stressful. Siteline Cabinetry makes all cabinets once you order them, so you can be sure you get exactly what you want to be made to your specifications.
Keep up with the newest cabinet trends with Siteline’s Pinterest page: https://www.pinterest.com/SitelineCab/
American Institute of Architects is an organization in the U.S that constitutes of architects. Founded in 1857, AIA has its headquarters in Washington, D.C. A total of 13 architects conceived the idea of forming AIA. The purpose of establishing this organization was to promote perfection among its members and to distinguish between people camouflaging as architects and the real architects. Richard Upjohn was the first sitting president of AIA. Later the group registered 16 more architects.
Designing an eye-catching building is not an easy task. It requires a certain level of skill that architects have been able to master. Before the formation of AIA, there were no schools to study architecture, and as a result, anyone without the skills could claim to be an architect. However, AIA was able to curb this vice.
American Institute of Architects has been growing over the course of time. Its current membership stands at 90,000 architects and counting. The organization’s current EVP/Chief Executive Officer is Robert Ivy. Thomas V. Vonier is the organization’s President. To be a member of AIA, you have to follow the laid out code of ethics. Members are also expected to maintain a certain level of professionalism.
AIA has categorized its membership into five levels which include:
• Emeritus members. This level of membership is for the aged architects who are of the age of 65 and above. The architect should also have served in AIA as a member for 15 consecutive years.
• Allied members. As the name suggests, allied members are members from different professions related to the architectural industry. Examples of this group of members are the engineers, planners and any other profession related to the building industry.
• International associate members. These members are not U.S based. However, they should have an architectural license in their country of residence.
• Associate members. These members are not architects, but they work under the guidance of an architect. They have an extensive knowledge of architecture. Interns can also fall under this group of members.
Contribution of AIA
AIA empowers architects and offers them a platform to work more efficiently. The organization is helping shape architects into people of integrity who uphold moral values. The members are required to produce only the best. AIA members who make contributions on a national level are awarded the most important honor in the field known as the Fellow of the American Institute of Architects (FAIA).
Robert Ivy plays an important roll in the American Institute of Architects. He is both the Executive Vice President and the Chief Executive Officer of this dynamic network of more than 250 chapters and 90,000 members. These design professionals and architects are committed to enhancing the architectural environment. As an architect, Robert Ivy strengthens the Association through his advocacy, education initiatives, and public outreach that helps members to serve clients and communities.
Robert Ivy’s Leadership Role
Robert Ivy has had a leadership role since 2011. He has helped transform the architecture profession in this century. He is successfully repositioning the American Institute of Architects from a rich legacy into the proactive, influential, and responsive organization it is today. The group’s biggest goals are heightening the public awareness to the relevance and value of all architects.
Robert Ivy’s Accomplishments
Some of his accomplishments include helping to streamline governance helping improve decision-making, contributing to implementing a new digital-first infrastructure, and successfully launching an award-winning awareness campaign. Robert’s focus is now shifting to help prepare architects to address today’s more pressing issues like sustainability, climate change, and design’s impact on public health.
Publishing Awards and Credentials
Before his service with AIA, Robert Ivy was the Vice President and Editorial Director of Mcgraw-Hill Construction. He was also the Editor-in-Chief of the magazine Architectural Record. This earned him many honors in the publishing industry including the American Society of Magazine Editors National Magazine Award for General Excellence.
Robert Ivy has also been honored by Alpha Rho Chi, the national architecture fraternity. This was for his effectiveness in being able to communicate the value of design. Robert shares the title Master Architect with other iconic people in the industry including Mies Van Der Rohe, I.M. Pei, and Buckminster Fuller, to name a few. He is only one of seven people to receive the honor in the fraternity’s 100 years and is the only one to be selected in the 21st century.
Robert Ivy is a huge influence in the architectural world. He has been an undeniably important part of bringing architecture into the new century. His awards and positions speak for themselves about how important of a role he plays in the industry.
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