Economists Think That Sea Levels Will Have A Major Impact On The U.S. Economy

Economists who are studying the change in sea levels around the world think the United States is going to take a major financial hit, especially in the coastal states. A 2 degree Celsius rise in the earth’s temperature would impact the people that live below a 16 feet elevation. That means 500 million people worldwide, and more than 100 million people in the United States would have to change the way they live. That change means relocating to higher ground. But in many areas of the country, society can’t handle an influx of misplaced American refugees that are running from flood conditions in their cities and towns, and that means more costs.

The economic impact of such a scenario would be monumental as well as devastating, according to Christian Broda, the former economics professor at the University of Chicago. Broda manages investments for Duquesne Capital Management in New York. He thinks the rise in sea levels is going to have an impact on the economy, but he, like other economists, isn’t sure how bad it is going to be. The reason Broda and others don’t know how bad the economic hit will be is no one is sure when the country and the world will cut back enough on fossil fuel use to stop the temperature increase.

Broda said that if the country and the world immediately reduces the amount of greenhouse gasses that are clogging the atmosphere, sea levels will continue to rise because of the warming that has taken place, but the increase will be less than projected. If the country and the world keeps emitting the current amount of gas into the atmosphere, sea levels could rise by more than 31 inches over the next 30 years.

The fact is, sea levels will continue to rise, and the American economy will suffer because of it. Even if the earth stops warming, sea levels will still increase because of the lag time between the ice sheet melting and the movement of ocean currents. The loss of property in cities like New York, Boston, Miami, New Orleans and Tampa would be more than $90 billion, according to some economists, and that is just the beginning of the loss. No one has put an exact dollar amount on the sea level loss, but economists know it is going to be life-changing for millions of people in the United States, and that change could happen within the next 30 years.

The US Stock Market


Over the past three days, the stock market in the United States has dropped a large number of points. There are many people that believe this selloff is indicative of problems throughout the economy. However, the stock market drop over the past couple of days is actually more a result of international issues. China has the world’s second largest economy. Over the past several months, China has been trying to prop up their stock market in an attempt to mitigate any losses there. However, the efforts have not been working as well as they would like. In just the span of several days, the Chinese stock market is down nearly twenty percent. This has caused world wide ripples in stock exchanges. Here are several reasons that this latest stock market crash is not indicative of the economy in the United States.

Price to Earnings

The price to earnings ratio is one of the best indicators of whether a market is too high or low. Over the span of history, the price to earnings ratio in the S&P 500 is around 15. This number is currently near 13 and is a great example why the market is not oversold. Before other large stock market crashes, this price to earnings ratio has been as high as 29. The companies that are based in the United States have strong balance sheets and are ready to invest more in developing their company. This is a great sign for the future of the growth in the economy. Instead of looking at what happens all around the world, investors in the United States should look at companies that are based domestically.

Christian Broda

Christian Broda is one of the most influential economists in the country. As an economics professor, there are few people that have as much knowledge and experience in the field as Christian Broda. Social media has allowed people like Christian Broda to spread their message and thoughts about the current economic situation. Due to the steep decline in the stock market, there are many people that are predicting that this will be worse than 2007 or 2008. However, there are others saying that this is only a short term drop in the stock market.

Final Thoughts

Overall, the decline in the stock market of the United States over the past several days is something that is concerning to many people. However, there is relative strength in the economy of the United States compared to other nations around the world. The selloff in China is one of the biggest reasons for the decline recently in stocks. Anyone trading in this market should remain focused on the long term.

What to Expect from Investment Banking and Investment Bankers

Investment banking involves highly-trained bankers working to create capital for other companies; these companies are an investment bank’s clients. Often this work involves the transfer of stocks and bonds, but other factors, such as wholesale corporate acquisitions and investment capital, are also an important part of investment banking.

The bankers who perform investment banking services receive a great deal of specialized training and are generally recognized throughout the industry for their experience, knowledge, and abilities. Investment bankers often go beyond the execution of transactions when they are called upon to provide both advising and consulting services.

One important area in which investment bankers offer advice or consultation services deals with company stocks, including offerings, mergers, and acquisitions. Company management may seek help from investment bankers in determining the timing for public stock offerings, how to handle mergers and acquisitions, and how to best manage any public assets the company holds. Investment bankers not only offer their advice but also can execute financial transactions as needed.

When seeking an investment banker, it’s important for companies to look for an experienced person who has a solid record of sound advice and has demonstrated a high level of integrity. One such person is Jim Dondero, Co-Founder and President of Highland Capital Management (HCM). HCM has been in existence since 1993; the company has led the way in developing the Collateralized Loan Obligation (CLO) market as well as in creating credit-oriented solutions for both retail and institutional investors around the world. Highland Capital Management has a range of award-winning products available, including CLOs, institutional separate accounts, hedge funds, mutual funds, ETFs, private equity funds, and REITs.

Mr. Dondero has been involved in both the equity and the credit markets for more than 30 years, giving him the kind of experience that companies look for. His area of expertise is mainly distressed investing and high-yield investing, though he has worked in other areas of investment as well. Prior to the founding of HCM, Mr. Dondero worked at the GIC subsidiary of Protective Life and had the responsibility of raising and managing over $2 billion worth of assets. Before that he managed about $1 billion in fixed income funds as an employee of American Express.

James Dondero built a solid foundation for himself when graduated from the University of Virginia, where he had concentrations in both Finance and Accounting. His professional certifications include Chartered Financial Analyst (CFA) and Certified Management Accountant (CMA). In addition to his education and certifications, Mr. Dondero is on the Board of Directors for MGM Studios and American Banknote. He also serves as the Chairman of the Board of Directors for CCS Medical, NexBank, and Cornerstone Healthcare. This level of expertise and experience is what one can expect of a seasoned professional investment banker.

Brian Bonar and Financial Business Choices

Financial Matters and Business
Brian Bonar is the financial Advisor who is credible and will know what financial business choices need to be made. These are vital decisions that cannot be made without placing much thought into them. These important choices would include some of the following financial areas:
*401k plans
*tax information and decisions
*payroll and a business
*social security and business
*healthcare and business
Mr. Bonar is an experienced and skillful business financial advisor in the San Diego, California area who will lead every business in the right financial direction. Every company can count on Mr. Bonar to provide sound financial business information that will prove to only benefit the overall business.

Dalrada Financial Corporation
Since August 1995, Brian Bonar has served as director of Dalrada Financial Corporation. In December 1999 Mr. Bonar became the chairman of the Board. In the year 1997 he had been appointed the President and Chief Operating Officer. Brian Bonar has an incredible history with this impressive financial corporation. Experience and knowledge are the keys to business financial success. This is a reputable company that will offer and provide financial consulting. Brian Bonar and this company have a solid reputation for ensuring that the right financial choices are made within a business.

An Impressive Education
Mr. Bonar has earned a fine reputation. He has a highly impressive background. His education includes:
*received a BS at the University of Strathclyde
*received a PhD at Staffordshire University
*MBA at Staffordshire University

A Global Individual
Mr. Bonar is a person who is known around the globe. He has developed and maintained strong relationships with Korean and Japanese printer manufactures. This is an individual who clearly has high business ethics and knowledge. He has been involved in the marketing and sales aspects of a business too. He has the ability to incorporate and clearly see the entire business picture. Check out Brian Bonar’s About.Me profile.

A Trusted Businessman
Brian Bonar has earned his fine reputation for being a very trusted businessman. This is a role that Mr. Bonar takes very seriously. A reputation for providing vital business financial advice. This is animportant position that is greatly valued by those that he has led in the right financial direction.

Life of Vijay Eswaran

Vijay was born in october 1960. His father Pushpavathy Chinnaian used to be teacher. Vijayaratnam Saravanamuthu was his mother and she used to work with the ministry of labour in Malaysia. His mother’s work with the ministry made the family to live in many different places in the country because of the transfers that she was always given. In the year 1984, Vijay graduated from London School of Economic with a degree in social-economics. After he had graduated he did not return to Malaysia. He decided to stay in Europe where he engaged in doing some odd jobs that were always available for him to do. Vijay Eswaran is a well known businessman and executive.

While in Belgium, he worked on construction sites, drove cabs in London and also picked grapes in France. While still in the UK he was introduced to binary marketing system which led him to obtaining a professional certificate from CIMA of UK. Vijay also traveled to the US for his Masters degree in the University of Southern Illinois where he graduated in 1986. While working for the Synaptic in the US he involved himself with a multilevel marketing where he worked on part time basis. Upon his return to Malaysia, Cosway Group approached him and they wanted him to start their new branch in Philippines.

After his returned to Asia in 1998, he founded a company in the multilevel marketing which picked very well and expanded to what is today referred to as the QI Group. It deals with businesses in media, travel wellness, training, telecommunication and luxury products. This QI Group has branches in Thailand, Hong Kong, Malaysia and Singapore. It also have other subsidiary companies in almost ten countries.

Vijay Eswaran has in a number of times been given chances to speak to the audience in forums on business and management one of them being the World Economic Forum. He has also authored books. His first one being the “Sphere of Silence” published in the year 2005. The book talks about the way he manages his life and how he has decided to always kick off the day. In 2008 he released his second book called in the thinking zone and talks about people thought and reflection of life. Other books followed and by 2011 he had authored two more books.

Eswaran is a married man. His wife is called Umayal Eswaran and is the chairperson of Vijayaratnam foundation which was named after Eswaran,s mother. In 2013 he was named among the top 50 richest Malaysian. He also worn the new global award of India in 2012 among other awards that he has been awarded.

Adam Sender’s Impressive Art Collection Impresses at Sotheby’s, Art Basel Miami Beach And Beyond

Adam Sander has become a major figure in the art world and is at the forefront of the art scene in the U.S. His outstanding art collection has been shown at Sotheby’s in New York since May and his collection there keeps growing. In Miami, Adam Sender exhibited works from his amazing private collection of art in his Miami home at this year’s Art Basel Miami Beach. The Miami exhibit featured 70 works from Adam Sender’s vast collection of over 1,000 art pieces. His total collection of art is estimated to be worth more than $100 million and includes pieces from Keith Haring, Urs Fischer, Martin Kippenberger, Cindy Sherman, Richard Prince, and many others. In fact, his art collection has works by more than a hundred different artists.

Adam Sender is a former hedge fund manager who is now becoming an expert at showing and selling his impressive art collection. He has been collecting art since the late 90s when he transitioned from working for Steve Cohen’s SAC Capital Advisors LP to forming and managing his own hedge fund. The skills he used as a former hedge fund manager are not totally unrelated to the skills he uses as an art collector either; his ability of discernment which enabled him to choose which equities were promising has manifested in his ability to discern which artworks have been promising, too. For example, a Richard Prince he bought for $100,000 more than a decade ago now can be sold for millions. Adam Sender’s Instagram is linked here.

Adam Sander is also proud of what art he decided not to buy. “We didn’t chase every single flavour of the month over the past fifteen years,” said Sander. “I’m not a chaser. I’m a pursuer of great works by artists who have had long careers.” Yet Sender is presently collecting works from several emerging artists too and has developed a good eye for new talent with all of his previous art collecting experience. He does still display some caution when buying the works from newer talent and normally waits until they are a couple years into their art careers like with the works he just collected from Frank Benson and Diana Al-Hadid.

The Support Behind S’well

S’well is a company that launched with one goal in mind. That goal was to rid the world of plastic water bottles. Launching the company was something easier said than done. Sarah Kauss understood that there was a need for this product. It was a great idea and plus it was way more environmentally friendly. Of course, like any good family and group of friends, Kauss had a great support system. They supported her idea and probably gave her a few tips and tricks. At the end of the day, however, they are not professionals. They could not give her the guidance that she needed. That’s when she realized she needed a network of professionals that know the ins and outs of how the business world works. Kauss realized that a great mentor would have been just what she needed. She needed someone to motivate and believe in her until she believed in herself. Fortunately, Kauss found a group just like what she wished for. It was a group that came together and supported other women in the business world.

This group did more for her than just offer support. It gave her the confidence to support S’well wherever she went. She was no longer nervous about pitching what her company was all about. Where ever she saw an opportunity to talk about her company, she took it.

This company was called EY Entrepreneurial Winning Women and it’s really what she owes her success too. They also taught her the importance of just having fun with the business! A lot of people don’t realize that a little bit of fun is needed to truly make a business successful. Through this group, Kauss noticed that in order to make S’well a success she also had to communicate with her whole entire team. This means communicating everything – the good, the bad, and the ugly. Overall, S’well is doing quite successfully. Who knows where her company would have been without that group.

The article can be read at

The Growing Number of Woman in Business and the Journey of Susan McGalla

Owning or running a business or company is considered by many to be the pinnacle of success and freedom in the working world, and more and more women are making great strides in the world of business ownership and business executives. Owning a business is often looked at as the ultimate freedom. Business women on can set their own hours, set their own ethical rules and sometimes they can even work in their pajamas. Although this sounds lovely and happens, business women who are owners and executives work extremely hard.

Sometimes setting their own hours means women have to put in 80 hours a week on their schedule, and put their heart and soul into their work. The growth of female business owners is a reflection of how hard these women have worked. According to the Institute of Women’s Policy Research, the number of females getting into the field of small business ownership is increasing drastically. 29% of all businesses are owned by women which is a a significant increase from 1997 that’s increased by around 27% which shows an increased ambition in the female demographic. Firms owned and run by women has drastically increased by 68% since 2007. The estimated number of male owned businesses is 71%, but that number is going to decrease quickly if this growth trend keeps up, and it definitely has a lot of steam.

Women in businesses still have a ways to go to catch up to their male counterparts in terms of earnings. They are only pulling in a quarter compared to men on average (there are exceptions). This wage gap is closing as more and more women begin to prove their dominance and capability to own and lead a business as executives. There are wonderful role models in the area of business women. There are great women to study and emulate like Susan McGalla.

Susan McGalla has an impressive resume. She use to be the president of the famous and profitable American Eagle Outfitters, a chief executive officer of Wet Seal and holds a position on the board on a corporation that deals in real estate known as HFF Inc. She has been a powerhouse in retail, and led those companies into a very profitable and growth period. Her ambition didn’t stop there, and she took her experience and formed a consulting firm called P3 Executive Consulting. She is an icon for women who aspire to climb in the world of business, and for women that have the ambition to go onto become the own boss.

Getting Your Home Ready to Show It

The art of selling a home often requires the property is shown well. Homeowners looking for new property might think rising home prices in their neighborhood might be enough to move a sale. To a degree, this is true. However, if the look of the home is really poor, selling it is going to be a lot more difficult. Why is this so? A home that does not look great leaves a bad impression in potential buyers.

Bad impressions do not help sell a home.

For one, when a home does not look in pristine condition, potential buyers might think an enormous amount of work has to be done on the property. A lot can go wrong when buyers have ideas like this running through their heads. They could try to offer a much lower sale price because the assumption is the house will end up requiring a lot of work and renovations. Others just might walk away feeling the property isn’t worth anything.

What are some things to think about?

The property does not need to experience complete renovation work. Minor repairs are advisable. Major repair may not be necessary if the property is being sold “as is” and with full disclosure. The purpose of the minor repairs would be to enhance the look of the property and eliminate anything distracting.

Calling in a professional cleaning crew to spruce up the interior is an absolute must when you have immediate plans to show the home to the public. Work should also commence on cleaning up the exterior of the property as well. After all, the outside is the first thing people are going to see when they drive up to your property.

The 990 Company is a business that can provide people looking to sell their homes with a lot of insight. There are probably a number of things first-time home sellers may not be aware of when hoping to put their property on the market. The 990 sell homes Company on provides comprehensive real estate services and could be worth contacting.

Selling a home does come with a few considerations that are sometimes overlooked. This is why carefully planning out a sale is so strongly advised. Missing “little things” such as getting a house in order to properly show it has the potential to make things a lot harder than they have to be.

How Dr. Vijay Eswaran is Pushing Business Ahead

Dr. Vijay Eswaran knew early on that he did not want to simply work for another person but to be the person others worked for. With that in mind Vijay set out to find his calling as an entrepreneur where he would go on to Co-Found the QI Group.

The QI Group is known for their work in a multitude of industries including direct selling as well as retail. Dr. Eswaran understood going into the QI Group that he needed others that had similar thoughts and ideologies allowing him the ability to move his business where he believed it needed to be, online.

Dr. Eswaran believed he could enter the market of direct selling allowing less overhead overall. To move forward he knew that there would need to be an e-commerce aspect to his business and this forethought allowed him to go up against some of the largest distributors. Combining the two types of business have helped allowed him and others to prosper.

With this idea he was able to get the rights to sell the Sydney 2000 Olympics commemorative coins in 1998. With Dr. Eswarans vision to mix direct selling with e-commerce allowed the QI Group to go from an unknown entity in 1998 to the top five in their field by the year 2000. This really shows Dr. Eswarans ability to see trends and move his business forward before being boxed out by the competition.

Moving forward Dr Vijay Eswaran hopes to make the University in Malaysia become bigger and better for the students and community. Offering some of its first graduates this year Dr Eswaran hopes to expand the University by adding a residential block and a teaching hospital. The teaching hospital will allow medical students to get hands on education without having to travel a long distance to train. Here, Vijay Eswaranposts on

Dr. Eswaran is also hoping the University in Malaysia will include hostels for students, a park, and will be an eco-friendly campus. The hope is to make the University pollution free allowing a more beautiful place to learn.

With his decisive style, business savvy, and his desire to help others Dr. Eswaran is one to continue watching in the years to come. His business might just be the one to catch up to in the future.