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Meet The Entrepreneur Behind The Cover Of The April 2022 Issue Of Global Millionaire: Cal Evans

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Cal Evans is an award-winning international cryptocurrency lawyer. He is the managing associate of Gresham International, a US Securities Consultant with a wealth of experience working in top law firms in both California and London as well as the founder of Fortune Wallet.

Cal undertook advanced IT at a junior college and received the top AVCE recognition award before undertaking his undergraduate in law. He eventually passed law school in England specializing in business and corporate law. In 2015 Cal undertook his certificate in financial markets with Yale – he is considered one of the leading individuals on Cryptocurrency and Crypto Raise Compliance. Few people have the technological, legal, and financial expertise needed to tackle the cryptocurrency market and Cal certainly is one of those rare individuals. He has experience working with companies across the globe, including some of the largest tech companies, during his time working in California.

Global Millionaire Magazine recently caught up with Cal to discuss his journey as an entrepreneur, and here’s what went down:

Could you please tell our readers a brief background about yourself and how you started your business?

I started Gresham International back in 2015. The truth is that I was broke, living with a good friend, and had to move back to the UK to be closer to my mum, who was sick. I decided that I honestly had nothing to lose at that point in my life, so I should just roll the dice and start my own firm.

As things grew, I realised that having flexibility was a great thing. I could focus more on clients, meet their needs a get more involved than if I was just working for another firm. It’s amazing the stamp that you get to put on something when you build it yourself.

I can remember the first time I was able to give my friend ‘rent’ money. It was only a couple hundred pounds, but I earned those hundred pounds from my company. It was a great feeling.

Prior to setting up Gresham International, I worked at a California law firm. It was a great time. I finished my training with a small law firm and was preparing to take the bar when I had to move back to the UK. That time in California exposed me to real startup life if there is such a thing. Meeting so many amazing entrepreneurs also drove me to set up my own firm.

What are you currently doing to maintain/grow your business?

Gresham has an amazing industry name in the Crypto space. We have offices in multiple countries, and I love the team we have grown! The real benefit of our industry position is that most folks have heard of either me or us (probably both). Growth feels very organic at this point in time.

With the Crypto industry going so crazy, with so many new avenues, we’re not short on new clients. Actually, the opposite. We are now focusing more on strategic clients such as RadioShack, BabyDoge, CEEK, etc.

Don’t get me wrong; we love startups and new clients entering the market. The only problem is that as the number of them has grown, our test for them has too. Sometimes, it’s better to be kind to someone, highlight some flaws in their ideas and give them some steer, rather than just take their money!

We forecast some pretty awesome growth this year, focusing more on larger strategic clients.

What social media platforms do you usually use to increase your brand’s awareness?

Instagram is a heavy hitter for me. I have to balance between my personal image as an industry expert and the corporate one.

A couple of years ago, I decided to focus more on myself as an expert than as a company regarding social media. The reason being, is that most people don’t really have ‘brand’ loyalty, but they can develop ‘personal’ loyalty.

As a result, I have about 14,000 followers on Instagram and a large following on LinkedIn too. I actually think our corporate social media is dormant at the moment, given the change in strategy.

I have hardly ever used Twitter. I have a real personal issue with how Twitter treats its users and Jacks’ ever-changing view on Crypto.

What is your experience with paid advertising, like PPC or sponsored content campaigns? Does it work?

Honestly, no. PPC Campaigns are a thing of the past. They also get beaten by bots if they work out you have paid for engagement.

Our marketing focuses more on ‘in person’ events, especially with my speaking reputation. I would much sooner spend money at an event meeting, people, than hoping people click on our website.

What is your main tactic for making more people aware of your brand and engaging your customers? How did your business stand out?

Marketing is very tough in the crypto industry. Especially being a legal service firm. The whole social media scene is full of fakes, bots, and spam. My social media accounts are constantly being cloned, and these clones reach out to my followers in an attempt to steal money.

As a result, my main tactic is to do as much face-to-face work as possible. In an industry full of so much ‘fakeness’ it’s easy to hide behind an email. Conferences, events, and speaking are all the main ways of generating interest and meeting people.

Of course, we keep the corporate side of things up with a solid website and some social media presence. The engagement of that definitely shows an intention to be in the industry.

What form of marketing has worked well for your business throughout the years?

In-person marketing has worked the best. Getting to events and conferences and meeting with people.

There are so many lawyers claiming to be ‘blockchain believers’ or ‘crypto captains’ – the minute I see a tag line like that on anyone’s social media, I switch off. It’s obvious they are full of crap. You see the same people at events worldwide, the real titans of industry. They recognize each other, and usually, meeting them shows your commitment to the industry.

My dad ran a very successful business for years. He once told me that we could put a sign out the front of the office, saying our services are free, but no one would come in if no one needed them. The reality is to realize that in any service industry, you are outnumbered, and it could all end at any time. We keep that philosophy. As a result, our marketing is nimble, and we try to be as out-the-box thinking as possible.

What is the toughest decision you had to make in the last few months?

I recently moved to a new location, which was well away from what I would consider the ‘hustle and bustle’ of city life. I went from London to California to where I am now. To say it was a culture shock is an understatement.

Like many, during COVID, I realised that I don’t NEED to be in the middle of everything.

My main worry was that being so far away would impact my work and client relationships. My aim was to become more focused on things that I could help develop and build the company and better service our clients.

I think it has paid off. I have the ability to strike a much better work/life balance and enjoy what I do so much more. Not that
I didn’t enjoy it before! It’s just when you work long days; it’s hard to find time for yourself often.

What money mistakes have you made along the way that others can learn from (or something you’d do differently)?

I made a lot of mistakes—both personally and professionally. However, I wouldn’t do a thing differently. I believe those mistakes helped shape who and what I am. I would say the same to anyone else. Mistakes are as much a part of life’s journey as the wins. Embrace them as you do a win, and everything balances out.

If you are looking for one personal money mistake? I definitely sold some of my Crypto holdings WAY too early. However, I can never see that as a bad thing. I spent the money on stuff I needed!

What new business would you love to start?

It’s actually starting! Fortune Wallet is something I have been working on for several years. Filing the patent, fighting for trademarks, developing strategy. I just got the first valuation back at $10million, a pretty great starting point for a new company.

The wallet is essentially the best wallet you will ever use. Think of a Venmo or PayPal style app which allows users to remit Crypto easily to each other, using a really cool method. That system is patented.

Watch this space!

If you could go back in a time machine to the time when you were just getting started, what would you do differently?

Honestly, nothing. Except probably buy more Bitcoin.

What is the best advice you have ever been given?

I took a lot of influence from my dad. I think most young men do, although they wouldn’t admit it. My dad has always been very pragmatic in life; a simple problem, a simple solution.

I also read a lot of books by industry leaders. I try to get as much information from them as I can while reading between the editing lines.

The best advice I was ever given, was honestly to just try things. There is only one way to find out is something I have lived in business and personally. You can plan, plan, plan, but there is no substitute for just trying and seeing how it goes at the end of the day. Maybe that’s one of the reasons I wouldn’t change anything about my past. If I had an idea, I tried it. If it didn’t work, I moved on.

What advice would you give to a newbie Entrepreneur setting up their first business?

Just go for it. Don’t over plan. Don’t overthink. I promise you everything you think of will be different from how you originally planned it. You can never plan for every possible outcome, and you can’t predict the future.

Richard Branson is famous for saying, ‘if someone asks you if you can do it, just say yes, then work out how to do it when you need to’. Sure, that doesn’t work if you are a pilot, but it’s a great way to grow and adapt if you are starting a business. Don’t say no to something just because it doesn’t fit in your business plan. Grow along with your business and the opportunities life gives you.

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Billionaire Elon Musk Once Lived On Just $1 A Day

 

Do you think you have what it takes to sacrifice like a bonafide entrepreneur?

If you think you have what it takes, then try limiting your spending to just a dollar a day for an entire month- because that’s exactly what Elon Musk once did when he was a 17-year-old college student at Queen’s University in Kingston, Ontario.

Talking to Neil deGrasse Tyson in a 2015 interview on the podcast StarTalk he said, “My threshold for existing was pretty low… So I figured I could be in some dingy apartment with my computer and be okay and not starve.”

The CEO of SpaceX and Tesla tried this experiment to determine whether he could really live spending so little on food. Turns out, a $30 CAD monthly grocery budget was enough to get by.

“You sort of just buy food in bulk at the supermarket,” he stated, though he admits that “you get really tired of hot dogs and oranges after a while.” So he started getting into Pasta and green peppers as well.

Please note that this experiment happened a while back, and Musk warns against trying this experiment in this day and age. “I would not encourage anyone to live on $1 a day,” he told Business Insider. “That would not be super fun. Also, I did this back in 1990, so a dollar went a lot further back then. Would be much harder to do that today.”

Editorial credit: Kathy Hutchins / Shutterstock.com

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5 Surefire Ways Property Managers Help Add Value To Investments

Some new property investors get tempted to scrimp on property managers, shopping around for the cheapest option they can find or even trying to do it all themselves. But almost all seasoned and successful investors agree that a great property manager is worth their weight in gold.

In this article, we explore what it is that a property manager brings to the property investing equation and how they can protect your asset and help you maximise your returns over both the short and long term.

Why use a property manager?

A common misconception is that a property manager’s duties are limited to simply collecting the rent on your behalf. While it’s true that rent collection is one of the fundamental tasks they perform, it’s really only a small part of what they do.

The reality is that property is an active investment and one that involves ongoing management and involves some degree of risk. A property manager helps alleviate some of the burdens by making sure the day-to-day is taken care of and that risks are minimised.

Here are some of the ways they do just that.

1. Property managers will work to keep vacancies to a minimum

One of the main responsibilities of a property manager is to find tenants whenever the property is likely to become vacant. This includes advertising the property, holding open inspections, screening applications, and negotiating terms with tenants.

But the best property managers take don’t just do the minimum here. They do everything they can to make sure the property is leased, holding inspections outside of regular hours, and longer inspection times if they need to, to make sure as many prospective tenants see it as possible.

Finding the right tenant for your property can be an onerous job. Done well, it can also be a skilled one. That’s because there’s more to it than simply securing any tenant. You need to secure the best tenants – the ones most likely to take care of your property, give you the fewest headaches and pay the rent on time for the long term.

A good property manager will be well attuned to the signals and context and will do the right research to know exactly which tenants are best for your investment.

2. Property managers are strategic advisers

Speaking of which, there may be times when you have multiple rental offers on the table. So which do you choose? A property manager will be able to advise you based on their research, their knowledge of the market, their experience with tenants, and the reference checks they perform.

But a property manager’s strategic advice doesn’t end when they’ve found your tenants. They’ll also advise you on what type of lease to sign, what conditions to include, how long your lease should be for, and – most importantly – what rent to ask for. They’ll do this based on their knowledge of the market and where it’s headed so that you maximise your income and minimise your pain.

They can also advise you on depreciation schedules and even help you put together a long-term property plan.

3. Property managers will help maintain your property

In an investment property, small maintenance issues, if not resolved, can accumulate over time and have a big impact on your finances. A good property manager will help notice these and correct them before they get out of hand. For instance, a small leak in a bathroom may go unnoticed by your tenant but could eventually lead to water damage and mould problems.

A property manager who knows what to look for is likely to spot the problem early, saving you thousands in the longer term. They’ll also usually organise the trades you need to repair anything efficiently and with a minimum of disruption to your tenants and your income.

Through regular inspections, a property manager will also help make sure that your tenants are looking after your investment. And, if they’re not, they can help rectify that, using their negotiation skills to let the tenant know what’s expected of them and how they need to improve or resolve any issues.

4. Property managers guide you through the rules and regulations

There are many rules and regulations governing the landlord/tenant relationship and getting them wrong can be an expensive exercise. For instance, a tenant has certain rights when you give notice of inspections or increase the rent. On the other hand, landlords have rights too, especially when it comes to the tenant ending the lease and the condition in which they need to leave the property.

A property manager can help you make sense of these so that you avoid unnecessary risk.

5. Property managers help you maximise your return on investment

Cashflow management is one of the most important factors in property investing, especially for first-time investors. At a minimum, you need to make sure you’re covering your mortgage each month and that your investment doesn’t result in ongoing financial stress.

But to really grow your wealth you also want to be confident that you’re maximising your returns and minimising your outgoings. A property manager can do both. Helping make sure your investment delivers a strong yield in both the short and long term so that your cashflow runs smoothly and your rental return remains high.

If you’re looking to grow a property portfolio a property manager can also advise you on your next move, using their knowledge of the market to single out properties with potential for capital growth. They can also advise you on the right time to consider acquiring a new property and help you understand what it means for your day-to-day finances as well as for your future wealth.

In short, a property manager can save you time and money, helping you make the most of your current investment while using their expertise in the property market to ensure you do everything you can to maximise your wealth in the long-term wealth too.

Source: The Property Investors Alliance

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Meet The Serial Entrepreneur Behind The Cover Of The March 2022 Issue Of Global Millionaire: Meeta Vengapally

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Notoriously known for founding and successfully exiting a fitness and tech platform Garnysh, Meeta Vengapally has made a place for herself as an investor, advisor, and Board of Director in the business world. The woman serial entrepreneur is also a writer and Top Influencer in the industry noted by Forbes and momager to Winston and Sitara Vengapally. Recently she was also seen at the judges’ table for the Ms. California Pageant. Highly sought-after by wide genres, including tech, lifestyle, fashion, and beauty companies, this self-made multi-millionaire continues to pave the path and inspire women and men. As of 2022, Meeta’s net worth is reportedly estimated at 10 million.

Meeta also holds an M.S. in Psychology, and she wrote her thesis on mindfulness which has been published and is currently available on Google Books. She has continued to write about women in business and current social issues for major publications. Because of her status and influence, she has been featured in top-tier publications such as Forbes, MSN, Entrepreneur, BuzzFeed, Thrive Global, Inc among others. As a top influencer, she has also worked with several high-profile brands such as Kat Von D, Sephora, Elizabeth Arden, Pixi, and many others.

Meeta’s entrepreneurial roles include being an investor and part of the Board of directors to several Silicon Valley startups and several global companies. Most of her time is split juggling between being an entrepreneur and managing her kids Winston and Sitara, who happen to be actors.

Global Millionaire Magazine recently caught up with Meeta to discuss her journey in the industry, and here’s what went down:

Could you please tell our readers a brief background about yourself and how you started your business?

I’m known as the founder and CEO of a fitness and tech company formerly known as Garnysh, which was acquired right before the pandemic. I’m also recognized as one of Forbes’ Top 5 Social Media Influencers. Currently, my entrepreneurial roles include being an Investor and part of the Board of directors to several Silicon Valley startups as well as some global companies. Most of my time is split between doing that and managing my kids Winston and Sitara, who are actors.

What are you currently doing to maintain/grow your business?

To be honest, I’m currently in a balancing act game, trying to manage everything on my plate. But even so, the entrepreneurial spirit stays open to any new opportunities, ideas, and projects. I am grateful for my team to tackle everything that directly correlates to my focus, drive, and undying desire to do it all.

What social media platforms do you usually use to increase your brand’s awareness?

Mostly Instagram and Facebook, but I have to admit that social media sometimes needs to be on a snooze mode to stay focused.

What is your main tactic for making more people aware of your brand and engaging your customers? How did your business stand out?

Authenticity and openness to failure go a long way. I learned that in the initial days of my business. Staying original to the idea, no matter how big or small I think, leads to the roadmap of the business. Then it’s a matter of taking small steps daily, which eventually become part of the big picture. I believe my business’ uniqueness was how we approached our initial customers. We built a product purely based on our beta testers’ feedback. I failed and pivoted, then failed and pivoted, and just kept going through this cycle until one day, our platform crashed due to too many orders. That was a true a-ha moment in the face of panic.

What form of marketing has worked well for your business throughout the years?

We didn’t spend anything on marketing. Part of our vision is to be face to face with our customers. This is probably not the fastest or the quickest way to scale at mass levels, especially when you are just starting with limited team members. However, it was very important to me to start local, gain feedback from the get-go, and have a personal touch.

What is the toughest decision you had to make in the last few months?

Saying no to opportunities due to too much going on. Because I’m directly managing both of kids’ acting careers, I’ve had to make some choices to make room for this adventure.

What money mistakes have you made along the way that others can learn from (or something you’d do differently)?

I wouldn’t call it a mistake per se, but I do understand one thing which I think some people can benefit from. You don’t need to spend a lot of capital when starting out. And another huge trend I noticed as a new founder and now as an investor is that people ask for funding too soon in the game. We don’t invest in ideas; we invest in proof of concept and the team. I am humored when the wannapreneurs try to “pitch me” their idea but have nothing to back it up with.

What is the best advice you have ever been given?

You will never influence the world by being just like it.

What new business would you love to start?

I would love to contribute to the mental health space. I’ve always had a passion for it, so I’m currently pursuing my Ph.D. in Psychology. I don’t know about business, but I would like to give back by doing what I can in that space.

If you could go back in a time machine to the time when you were just getting started, what would you do differently?

I’d change my narrative and the self-talk. I’d love to have seen me get started sooner than I did without ever doubting myself or my drive.

What advice would you give to a newbie Entrepreneur setting up their first business?

Outgrind, outwork, outhustle everyone and look at your competition as your inspiration for improvement.

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Revealed: The Celebrity Car Collections Worth Up To $350 Million

New research has revealed the famous faces with the most expensive car collections in the world, with Ralph Lauren owning the most valuable car collection after royalty!
The team at Bill Plant Driving School has analyzed estimated values for celebrity car collections – from the Sultan of Brunei to Messi and Floyd Mayweather Jr. The research also looked at the most desired car collections, by annual Google searches.
The Sultan of Brunei, Hassanal Bolkiah, is the owner of the largest car collection in the world: a total of over 7000 vehicles with an incredible value of $5bn! Although, it has long been rumored that many of his prized, rare wheels have been sold or abandoned following some financial troubles.
Coming in second place is fashion mogul Ralph Lauren, owner of a $350 million car collection ranging from exotic hypercars to vintage race cars. The collection includes several rare models: a 1962 Ferrari 250 GTO, McLaren F1 LM, 1929 “Blower Bentley” 4½ Liter, a 1930 Mercedes-Benz SSK “Count Trossi” (aka “The Black Prince”), and a Lamborghini Reventón Roadster, to name a few.
Most valuable celebrity garages:

Rank

Celebrity

Value

1

Hassanal Bolkiah

$5bn

2

Ralph Lauren

$350m

3

Lawrence Stroll

$185m

4

Jay Leno

$150m

5

Jerry Seinfeld

$100m

6

David Letterman

$50m

6

Lionel Messi

$50m

8

Manny Khoshbin

$30m

9

Floyd Mayweather Jr

$25m

10

Ian Poulter

$24m

The research also looked at the celebrity car collections that people desire the most, and found that Cristiano Ronaldo’s cars register the second highest number of google searches.
Jay Leno owns the most desired collection: around 286 vehicles, including some of the last remaining models of vehicles such as the Duesenberg Model X and Chrysler Turbine Car. He also has his own TV show called ‘Jay Leno’s Garage’.
Elon Musk and Jeff Bezos are in third and fourth place, with 49,200 and 46,500 Google searches respectively. Bill Gates’ collection also makes it to the top 10!
Most desired celebrity garages:

Rank

Celebrity

Annual Searches

1

Jay Leno

175,500

2

Cristiano Ronaldo

112,000

3

Elon Musk

49,200

4

Jeff Bezos

46,500

5

Kylie Jenner

43,800

6

Ralph Lauren

38,500

7

Hassanal Bolkiah

36,100

8

Jerry Seinfeld

35,700

9

Bill Gates

34,800

10

Lewis Hamilton

31,200

This article was sourced from a media release sent by Olivia Smith of Digitaloft
Editorial credit: Michael Cola / Shutterstock.com
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The Big Reason Sydney’s Residential Property Will Be The Winner In This Pandemic

By: Justin Wang

At the beginning of the COVID-19 outbreak, I said that Sydney’s residential properties will become the winner out of this epidemic. This confidence is based on my long-term research and unique understanding of Sydney’s real estate market, and it is based on the “PIA investment philosophy” that I have concluded over the years. I always have great confidence in Sydney’s residential property market. In 2004 and 2005, whilst many people were pessimistic about the market, I said that there was no problem with Sydney’s residential market. The problem was that we lack an understanding of Sydney’s residential properties. During the Global Financial Crisis in 2008, the value of real estate assets in the United States fell by 30% and by more than 20% in the UK. Many international institutions, including the International Monetary Fund, predicted that Sydney’s residential property would suffer the same decline, yet I held the opposite view. And I was right.

The impact of the COVID-19 on the economy is unprecedented. So, why am I still confident in the Sydney residential property under the current circumstance?

The epidemic will have an impact on all assets, however, some will resist the negative impact based on the characteristics of the assets.

One of the characteristics of Sydney residential assets is that the character is mainly based on the internal factors of supply and demand and high development costs. The residential asset is less dependent on other external factors. So when external factors negatively impact the economy, the Sydney residential assets always stand out in the crowds.

The value of Sydney’s residential properties, or their ability to withstand price drops, depends on two demands. One is housing demand and the other is investment demand.

Regardless of the development of the epidemic, people still need housing. When people cannot go to the office to work or have food at restaurants, housing becomes even more important.

Although border closure and the rising unemployment rate will have a certain impact on the demand for housing and rental affordability, 95% of the demand for housing is still there, and it is still very strong. The NSW Government has recently decided to spend 500 million dollars to buy residential properties from private developers to meet the needs of society. Although this is not enough, at least we can see from the government’s action that residential properties are still in short supply.

The second demand for housing is investment demand. I said earlier that the residential properties in Sydney are Noah’s Ark of wealth. The Bible records that when the flood came, the righteous Noah escaped the disaster using Noah’s Ark. Under the trend of economic downturn and wealth loss, we cannot expect wealth to grow. We shall learn how to preserve our wealth first.

In judging whether an asset is suitable as a carrier of our wealth and to ensure the longevity of our family wealth, we need to consider the following aspects: 1. Whether the ownership is permanent; 2. Whether the asset can maintain its value; 3. Whether the asset can appreciate. 4 Whether the asset can generate passive income.

Those assets are quite limited and examples of those assets are cash, stocks, shares, gold, collection, etc.

Cash has permanent ownership, but it cannot appreciate or maintain its value. Under normal circumstances, it will depreciate due to inflation. Normally cash deposits can generate income by gaining interest. However, when the epidemic caused an economic downturn, the interest rate kept dropping to a record low level. If the global epidemic cannot be controlled, the interest rate will remain low for a long time, we may even see a negative interest rate. If a person has a deposit of $ 2 million in the bank and the interest is 3%, then he can live with $ 60,000 per year. If the deposit interest drops to 0.5%, the interest will suddenly become $ 10000 which is not enough for him to live. If he wants to maintain his living standard, he has to make good use of the principal. From this perspective, the cash had devalued. Governments all over the world are borrowing heavily to issue more money, resulting in a huge deficit. Who will make up for this black hole? The easiest method for governments is through the depreciation of the existing cash deposits. On top of that, some people say that the world’s debt will be paid by the entire generation. This means that the interest is likely to remain low for a long time.

For stocks, it’s needless to say, not only may the stock price fall, but we may not expect to receive any dividends in the near future either. However, a lot of public companies may go bankrupt, then the value of their stocks will become zero. Not even mentioning return, stocks can’t even guarantee ownership.

Though trading stocks are shares issued by publicly listed companies, companies that are not publicly listed and their shares can face the same issue too.

We say the collection market flourishes when times are good because everyone has money. Now that everyone has no money, many companies can no longer survive anymore, and life can not be carried on in the same way. Under this circumstance, the collections naturally will not appreciate. The collections are merely embellishments of economic prosperity unless they have significant value to human heritage and history. 

What about gold? I have never advised people to invest in gold. Though the ownership of gold can be guaranteed, it cannot be preserved, appreciated, and it cannot generate passive income.

What about real estate? Commercial real estate, retail real estate, and tourism real estate are already facing problems. And the problem will not get too much better after the epidemic. Because the epidemic has changed the way we work and consume. The longer the epidemic drags on, the bigger and stronger this change will be, and the world will not be the same again. E-commerce and the home office has already become a trend. This epidemic has made these changes come faster and more thorough. So in the foreseeable future, the world no longer needs that many offices and retail stores. For the shops and offices that lost their tenants during the epidemic, it will be difficult for them to find the same rental demand as before. It will take a long time to find new ways to use those office buildings and shops.

No matter what happens in the world, people must have a home. When the border was closed, some people could not enter the country. But for people who remain in the country, they must have a home.

Residential property as a form of real estate will never lose its advantage. As its ownership is permanent, and its living function will never disappear. Because of the epidemic, people may choose to order food online, shop online, or work online, but those activities need to be done at home, so the value lost in commercial properties is being transferred to the residential properties. From this perspective, the residential property has gained a new utility value because of this epidemic.

When disaster strikes, no one can escape its impact, so does Sydney’s residential property market. Many people worry about whether this epidemic will affect their rental income. The impact will definitely be there, but even if it does, it will not affect Sydney’s housing market being the winner in the wealth race.

Interest on long-term deposits is less than 0.5% p.a only.

The yearly return on government bonds is only 0.75%.

Stock dividends can not be counted on at all,

Business operations are very difficult.

Only Sydney’s rental market has a return of 2.5-3% after deducting 1% of outgoings. Even if the vacancy rate rises to 6%, which is double the historical average vacancy rate, the rental return rate can still reach 2.35-2.5%. This is still considered a good return compared to other investments.

If we see Sydney’s residential property as an asset, not only we need a stable rental income, we also want capital growth. There are five Don’ts in PIA’s business philosophy. One of them is not to make subjective judgments on the market. Here I will not say when the house price will grow back and how much it will grow. But here we can give you a few tips and, you can think for yourself.

1. Under immense financial pressure, the residential housing prices in Sydney have not fallen so far.

2. Two of Australia’s major construction and real estate industry associations have joined forces to lobby the government to provide tens of billions of dollars to support property development. The reason is not just to stimulate the economy, but responding to real demands.

3. The government has started to discuss canceling stamp duty to stimulate residential property sales. Although the sales of off-the-plan properties are not good at the moment, we are not seeing a significant drop in land prices. On the contrary, because of the epidemic, and the stricter building standards set out by the government, the construction cost has begun to rise. If the land price does not fall, and the construction cost increases, there is no room for property prices to fall.

4. Although it is estimated that net immigration will decrease in the future due to the epidemic, the facts may be on the contrary. Some people currently living overseas with an Australian permanent residency visa will return to Australia because of Australia’s ability to keep the epidemic under control. In addition, as Austliaa built upon immigration, increasing immigration is the best way to solve the crisis and revitalize the economy. This happened in the past, so it will happen this time. The only difference is that this time only the high net worth immigrants who create job and investment opportunities will be welcomed. Those who are only there to get welfare payments or do low-end jobs will be kept out.

5. News from today says the Government is considering priority entry of international students into Australia.

Because international students will not only affect Australia’s education export industry they will also boost the real estate market again.

When the government announced the mandatory closure of multiple industries, it was specifically mentioned that the construction industry will be business as usual. When easing the restrictions, the open home inspection is among the first batch of restrictions that have been lifted…..

I personally feel that the prosperity of Sydney’s residential property market will come sooner than most people think, and the real estate industry will recover faster than many other industries.

Some people say that living through this COVID -19 is like being through a world war. Then you may wish to take a look at the historical data on and how property prices in Australia have risen right after the First World War and the Second World War.

The above is just my personal opinion for your reference only.

Disclaimer: the above article contains information about PIA and the investment philosophies of its founder and MD, Justin Wang. The information and material are purely for information and general marketing. In reviewing this document you acknowledge and accept that no representation or warranty in any way whatsoever and howsoever is meant or intended in or from any information or material appearing at any time and you do not rely on such. Persons reading this document should always rely on their own independent advice and judgment, and further in making any inquiry with PIA or its employees the enquirer may not rely on any statement whether in writing or verbally made by any members of PIA unless PIA confirms in writing.

Source: PIA

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Entrepreneur Spotlight: Get To Know Brock Murray, The Co-Founder Of Digital Marketing Agency Seoplus+

Brock Murray is the co-founder of Seoplus+, a Canadian digital marketing agency serving clients globally. He started the business in 2012 as a web design and online marketing firm that evolved into a full-service digital agency.

Brock also kicked off Seoplus+ with a friend and business associate, Eddy Abounehme. They had worked together previously in IT, and they partnered up to create a web design firm. They didn’t know where it would go, but with Eddy’s mentorship and advice and Brock’s digital marketing skills, they saw the potential of growing their business to be a leader in their industry.

Global Millionaire Magazine recently caught up with Brock to discuss his journey as an entrepreneur, and here’s what went down:

When did your entrepreneurial flair first reveal itself?

Since I was a young child, I remember having an entrepreneurial spirit. I come from a family of entrepreneurs – my aunt, uncle, and grandfather all had their own businesses. This gave me the insight and opportunity to help them in their business, all the while setting the stage for me to do the same.

Even at the young age of 9, my sister and I created AMBRO’s community newspaper (Amanda + Brock). She would write articles about anything from the Spice Girls to the Ottawa Senators to book reviews, and I would go door-to-door around the neighbourhood to sell issues and pitch local businesses to have their business cards included in our issue. 

Coincidentally my sister Amanda is the General Manager at seoplus+, so we have continued the trend of creating content and helping local businesses in our community.

How did your life look like before being an entrepreneur?

Before being an entrepreneur, I worked for many businesses in various roles. I did everything from telemarketing (cold calling), media (cameraman and audio technician) for local sports teams, for a local IT firm, as well as doing freelance web design for customers in various industries. 

As an entrepreneur, what is it that motivates and drives you?

The thing that motivates me the most is helping people. Nothing is more rewarding than hearing from a business owner or marketing team that I have helped them grow their business. That ties directly into our company mission to make life better for our team and our clients.

In one word, describe your life as an entrepreneur and explain why.

Growth.

It’s all about growth – both personally and professionally. You need to grow as an individual, looking for ways to improve and keep up with trends and opportunities. As a business, if you aren’t growing, you are dying. At times it can be uncomfortable, but this is when you are truly growing. So be comfortable with being uncomfortable.

What were your top three motivations for starting your business?

My top three motivations for starting a business were: 

(1) Following my passion. I love digital marketing, and I couldn’t imagine doing anything else.

(2) To be my own boss. Being a Leo, I am a natural leader, and I always wanted to lead a team.

(3) Control my destiny. I always envisioned being a part of something big, which would give me freedom later in life.

What would you say are the key elements for starting and running a successful business?

The key elements for starting a business are:

  1. Have a plan. Conduct market research and be real about the opportunity, so you don’t fly blind.
  2. Build an amazing team. Have a strong vision, mission, and values that your team can get behind. Build a strong culture and get buy-in to ensure company success.
  3. Know your strengths and leverage them. Everyone has strengths and weaknesses, so be sure to look for ways to make the most of your strengths and have others care for areas where you aren’t as strong.

8) What are three biggest challenges you have faced growing the business and how did you overcome them?

The three biggest challenges I faced in growing the business were:

  1. Building predictable revenue. Initially, we launched as a web design firm. This was a challenge as web projects are typically a one-time/project-focused revenue model versus recurring. We wanted to create a predictable, recurring revenue model that would allow us to grow consistently while having the cash flow to fuel that growth. So we pivoted to create a new brand and service offering that allowed us to do just that.
  2. Creating demand. When I started the business, I had very few connections – my business network was very small. I had to find a way to create demand for a service (SEO) that many businesses didn’t even know existed. They most certainly didn’t have the budget for it. I started by leveraging any contacts I did have, attended networking events, got involved in the community, and bit by bit, was able to get bigger and bigger clients by being a trusted resource for businesses.
  3. Building a strong culture. Roughly five years into the business, we had a rough patch with staff turnover. For a company of approximately 15 people, we lost about 5 in about a month. At first, I took it personally. Where did I go wrong? What did I do? The biggest thing was the lack of clarity and communication around our mission, vision, and values. We then clearly defined these, lived them out daily, and included them in everything we did. I committed to leading by example – day in and day out. This was a turning point in our business, and we haven’t looked back since.

What form of marketing has worked well for your business throughout the years?

What is beautiful about our business is we practice what we preach. Our core service offering is SEO, so we led with just that and dominated locally first (for terms like “SEO Ottawa”) and eventually ranked for national terms (“SEO Services”, “SEO Canada”), which generated countless business opportunities for us. At this point, we generate a ton of referral business – where our clients refer their associates to us. We care deeply about our clients, and we always go the extra mile.

As you grew the business, what have been some of the most important leaderships lessons you have learned?

The most important leadership lesson I learned in business is always to evaluate challenges with the “people versus process” question. If there is ever an issue, problem, or challenge, always ask: was the issue related to a (broken) process or people (problem). Typically managers/owners tend to look at the people first versus asking how we can fix the process to protect the employee and the customer. When you make incremental improvements to your processes, this helps improve the customer experience, enabling you to scale your business and helps protect your employees.

What is the best advice you have ever been given?

The best advice I ever received in business was to read Jeffrey Gitomer’s Little Red Book of Selling

The book taught me to win business by being a trusted expert, network myself, the business of being a thought leader and around personal branding. It’s not who you know; it’s who knows you.

This helped push me to deliver presentations at industry events and attend networking events, which took a ton of energy but has paid dividends over the years.

What advice would you give to a newbie Entrepreneur setting up their first business?

The advice I would give to a newbie entrepreneur setting up their first business is to follow your passion. Being a business owner is a rollercoaster. The highs are high, and the lows are low. When you are following your passion, this helps you through the tough times. I am a huge fan of the quote, “Choose a job you love, and you will never have to work a day in your life.”

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High Rises Vs Houses: What’s Better For You?

With house prices constantly soaring and populations growing rapidly in major cities, apartment living seems to be the way of the future. Our busy, fast-paced lifestyles have meant that the dream of owning a house in the suburbs is transitioning to feature a high-rise building instead.

In addition to these factors, it helps that apartments these days offer a broad range of benefits that you don’t have in a traditional house. People are increasingly gravitating towards apartments from lobbies that rival expensive, five-star hotels to communal pools and gyms.

Here are just a few reasons why this is happening in your city.

Apartments offer a unique lifestyle and affordability options

Apartments tend to create more of a community feel than houses do since you’re in the same building with anywhere from a handful to hundreds of other residents. Most apartment complexes also come with communal outdoor areas, which are great for relaxing and socializing. Additionally, since apartment living is generally concentrated in city centers, there’s always something happening right on your doorstep. Not to mention the transport and shopping convenience that living in close proximity to a city would offer.

Most notably, apartments are usually significantly cheaper than purchasing a house, making the lifestyle more accessible to a broader cross-section of the community.

Major maintenance and amenity convenience

Apartments tend to have a lot less maintenance work attached to them than houses do. Green spaces tend to be smaller and more basic; oftentimes, professional maintenance staff are paid for using strata fees and they handle all the gardening and upkeep. No mowing and cleaning mean that you get to save a lot of time and energy.

In addition to maintenance convenience, apartment complexes often come with facilities such as pools, roof decks, entertainment rooms, and gyms. Still, some newer developments will even offer pet-sitting, laundry, childcare, and car washing services. What better way to meet neighbors and make the most out of the place you live?

Security and peace of mind

Unlike a conventional ground house, an apartment offers a lot of security. At the very least, you’ll need a key to get in through the security doors, but some newer developments offer concierge and keycards, similar to a hotel. Access to lifts and amenities is also limited to residents only, and CCTV monitors many apartment complexes. Whatever your reason for wanting that extra security, apartment living can offer you peace of mind.

If apartment living sounds like a future you’d want to be a part of, PIA can help. They offer a wide range of rental properties in Sydney, purchase and investment options – including off-the-plan projects.

This article was sourced from the Property Investors Alliance

Photo by Max Vakhtbovych from Pexels

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Meet The Entrepreneur Behind The Cover Of The February 2022 Issue Of Global Millionaire: Carl Runefelt

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There is no shortage of wealthy people in today’s world, but a few special minds have changed their fortune miraculously. Where contemporary entrepreneurs struggle to gather thoughts and strategies with plans of progress with half or full decade stages – Carl Runefelt has done wonders in just a few years; it is a tale worth narrating. There are very few smart people around us. These smart brains made it possible in less time, with minimum effort compared to others, and the only thing that makes them unique is being perceptive and modern about their method toward their goals.

Founder of The Moon Group, Carl Runefelt is an entrepreneur, motivational speaker, and philanthropist. The Moon Group is a group of companies in the cryptocurrency space. Currently, his establishments are working on numerous projects to increase the adoption of crypto into the mainstream economy using blockchain technology, not just financial markets.

Carl is most known for his success on YouTube and his huge following across all social media platforms. He has the largest crypto analysis channel on the platform and is one of the biggest Twitter personalities in the crypto space, with over two million followers across social media. Runefelt is the fifth most influential person in the crypto industry, according to Hackernoon.

In an exclusive talk with The Global Millionaire, Runefelt said, “The power of my social platform has greatly assisted my abilities to bring mass awareness to crypto and showcase individuals on how they can use crypto to better their lives, just as it did for me. It’s a great way to reach and impact others.”

Carl said, “My net worth has exploded in the past 3 years due to my 350 plus investments in crypto start-ups, my yield farming strategies, and the increase in the valuation of all my crypto companies. My goal for the end of this year is to be among the top 100 wealthiest people globally, making me the youngest person on that very list. I’m the founder of multiple companies, and Kasta is one of the companies I co-founded. Kasta is a payment solution; it enables us to make crypto payments instantly and for free. Kasta will help mainstream the adoption of crypto which aligns with one of my long-term goals”.

Twenty-seven-year-old Runefelt mentally transformed himself into a person. From where he was to where he is and now to where he’s headed. It’s been a shift of mindset and approach towards life. Self-belief and optimism about the future provided him with the enthusiasm, courage, and strength required to go through the barriers. The entrepreneur dropped out of school early because he was unable to concentrate due to Attention Deficit Disorder (ADD). He started working in a grocery store to make a living. During that time his daily routine consisted of working at the store and sitting at home watching YouTube videos but essentially being unproductive. He realized he needed a change because if he continued to live like this he’d never have the life of his dreams. More than anything, Runefelt wanted to do something that would make his parents proud.

Talking to The Global Millionaire, he said, “When I was working as a cashier in a grocery store, I was watching luxury content on YouTube and Instagram of successful billionaires; this inspired me. I was so motivated by watching these people with their Bugatti’s and expensive watches that it helped me visualize my dream life; it helped me to get where I am today. Now that I am in the same place as the people I watched back then, I want to give back, that’s why I am showing people my luxury lifestyle. By showing them my Bugatti, my office, my million-dollar crypto punk NFT, I wish to show people that you can go from working in a grocery store to buying a Bugatti within 3 years if you simply use the Law of Attraction and prioritizing mindset, realizing, that mindset is everything.”

Carl is also a philanthropist, sharing a bit about his social work he said, “previous year I donated an amount to a charity for disabled children. This year one of my goals is to donate a lot of money to charity through smart campaigns. I’m currently developing a few that I am excited to release publicly soon.”

The entrepreneur wants to be remembered for his extensive career. The creation of wealth is no longer a motivating factor; he wants to contribute to society through philanthropic ventures. He says: “I want to be remembered as a great person who did great things. I already know that I’ll be one of the wealthiest people in the world, so it’s no longer a big motivator anymore. I want people to remember me as someone who did well for other people, and made a positive impact for many humans in this world.”

He believes achieving success is not a matter of luck; it is a decision. He said: “I thank myself every day. I decided to become the person I am today because I wasn’t happy with who I was before. The way to become whoever you want is to believe in your mind that you’re already that person. Act as if it’s already your reality, and you’ll attract it. When I was working in a grocery store, I was visualizing myself with a Bugatti and flying in a private jet on a weekly basis. Now it’s finally my reality.”

Explaining why he presents his lifestyle extravagance on his social media he said, “sharing my luxury lifestyle has a huge symbolic value, hopefully inspiring millions of people to go out there and realize that they also can achieve their dream life if they just put their mind to it. One of my biggest missions right now is to teach people about the Law Of Attraction and how it can change your life, just like it changed mine completely.”

Carl now employs over 120 employees, working for him directly under The Moon Group. This is an enormous achievement as he directly impacts his employees’ lives. He is very happy with himself, and so are his parents. The fact that he was able to get to this point in such a short period of time working on creating his crypto empire is incredible.

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Facebook Loses Nearly $332 Billion Of Value In One Afternoon

Facebook parent company Meta tanked 26 percent overnight, shaving more than a whopping $US237 billion ($332 billion) in overall market value – the biggest one-day drop in history according to ABC, at the same time shaving $US29 billion ($40 billion) off the personal wealth of Mark Zuckerberg.

Mr. Zuckerberg’s nearly $US30 billion loss in personal wealth was the second-largest one-day personal loss in history as per US news outlet CNBC.

This huge drop marked Meta’s worst one-day loss since its Wall Street debut back in 2012 and the biggest single-day loss of dollar value by any listed company. CNBC confirms that the biggest one-day personal drop in wealth was a massive $US35 billion loss for Tesla CEO Elon Musk back in November.

That said, Mr. Zuckerberg will be financially still okay as he still has an estimated personal fortune of nearly $US85 billion ($119 billion) according to the Forbes real-time billionaires index.

Editorial credit: askarim / Shutterstock.com

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Millionaire Spotlight: Get To Know Successful Entrepreneur & Record Executive Damon Dash

By Allison Kugel

In this eclectic interview, Damon Dash and fiancée Raquel “Rocky” Horn, take me behind the scenes and into their day-to-day life as parents to their one-year-old son, Dusko, their plant-based lifestyle, and even their son’s guitar lessons (yes, he takes guitar lessons.).

They share candid and unfiltered information about their intimate life, their long term engagement, how they’re raising their son, and why Damon chose to participate in the newly released documentary film, They’re Trying to Kill Us, which examines chronic illness and early deaths among underserved communities of color.

In the second half of the interview, Dame gets real about living with PTSD, his love of weed, and his thoughts on the recent Astroworld Music Festival tragedy that claimed ten lives and injured hundreds of other concertgoers.

Allison Kugel: Your son, Dusko, is the cutest!

Dame Dash:  Thank you. I appreciate that. He has brought so much joy to us, and my whole family.

Allison Kugel: Both of you have been on a plant-based journey for a long time. Who led the way on that?   

Dame Dash: We do everything together. There is nothing we do not do together.

Allison Kugel:  But who was it that said, “Let’s eat plant-based?”

Dame Dash: Rocky wanted to go plant-based for a while, but I ate very simple things at the time; cheeseburgers, chicken fingers, not very healthy. I was always disgusted by myself for that, so there would be times when she first met me, that I was a vegetarian.

Raquel “Rocky” Horn: He never ate anything that looked like an animal, so there was never a meat on a bone situation. Never anything that looked or reminded him of an animal, so no seafood, ever.

Allison Kugel: It had to be in a nugget.  It couldn’t look like a chicken, right (laughs)?

Dame Dash: It was me not exactly addressing the truth, so after a while, she was starting to transition off of meat and she was cooking a certain way to transition me. She was sneaking it in because she is sneaky. We watched the documentary, What the Health, and that day after I saw the puss and the doo doo, and the cancer, and the diabetes; logically, I could not ever go back to even taking a bite [of meat] once in a while. I remember a week or two after I tried to take a bite at the farmer’s market…

Raquel “Rocky” Horn: No, we went to the Jamaican place and there was oxtail, and he just said, “I’m going to have to order a sample to see it.” He then went and threw up in the bathroom.

Dame Dash: I just couldn’t do it.

Raquel “Rocky” Horn: We started this network called the Dash Diabetes Network. Damon is a Type 1 diabetic, and in my research learning about diabetes, I just started seeing that it was all going back to dairy and meat products. The information was everywhere, and all of a sudden What the Health came out and just confirmed it.

Dame Dash: We had just gotten a bunch of bacon, and I used to love bacon.

Raquel “Rocky” Horn: We got rid of everything and changed our lives in 24 hours. From then on, we have had so many of our friends watch that film, and for us, it was just logical.”

Dame Dash: A plate of food and just a little bit of animal feces is on it, then I’m not going to touch that food. Or, like, if a rat runs over it, in the food industry there is a certain amount of tolerance for rat hair and tolerance for fecal matter in the food. I just can’t do i

Allison Kugel: Damon, you are a Type 1 diabetic as is my father, and that is genetic. But many people are living with Type 2 Diabetes or are what is called “pre-diabetic” due to poor lifestyle choices. What I found interesting in What the Health was when Doctor Neil Barnard said that Type 2 Diabetes is actually created when there is so much fat being stored in our cells that the sugar (glucose) which is our body’s primary source of fuel, can’t find its way into the cells, so the sugar builds up in the blood and that is Type 2 Diabetes.

Dame Dash: And what happens is your pancreas produces a certain amount of insulin to bring that sugar down, so if you have too much of it, then your pancreas is not producing enough insulin to cover all those simple carbs in your body and break that down. That is from eating meat and dairy.

Allison Kugel: When I spoke with you a few years back about your film, Honor Up, you spoke about losing your mother when you were fifteen.  Did she pass away due to chronic health issues?

Dame Dash: Yes, from asthma.

Allison Kugel: When you look back on that now, do you think diet or lifestyle and environment may have played a role in her condition?

Dame Dash: I don’t know, because she was actually pretty healthy. My mom went through different phases with her health, but she always had asthma and a lot of that is hereditary. That is why I have [Type 1] Diabetes. My mom was always conscious of our food, but I did eat some bullshit with her. I do think, the anxiety and stress of being a Black woman and alone may have added to it. But I remember her saying to me, “Don’t ever let yourself say you have it, or that it is yours (regarding inheriting his mother’s asthma). It’s not yours.” And I was too much of an athletic guy to be wheezing.

Allison Kugel: How did you get involved with this new film, They’re Trying to Kill Us (produced and directed by Keegan Kuhn, who also worked on What the Health)?

Raquel “Rocky” Horn: One of our friends is good friends with Bad Ass Vegan [John Lewis].

Dame Dash: A friend of a friend, John Salley, knew them.

Raquel “Rocky” Horn: We had a friend who is really good friends with Bad Ass Vegan, and made the interview happen with Damon. From there, we actually got to interview both of them for my show, Health Is Wealth. So we flipped the cameras on them.

Allison Kugel: Damon, what are your thoughts on some of the conclusions drawn in the film, They’re Trying to Kill Us, regarding slavery and how a lot of foods and lifestyle choices that Black Americans consider to be part of their culture, are actually detrimental to their health and throwbacks to slavery? What are your thoughts on that?

Dame Dash: I think it is strategic. It’s brilliant that the enemy used that as warfare, and how long it has affected us. Now that we are aware of it, we should just break the program. [Corporations and politicians] know how to keep us in a place of distress and keep us unhealthy and arguing with each other and struggling. Keep us hating each other. They know how to keep making us eat to escape the life we hate. Look at what many of us eat while we come out of the church, while we are worshiping their God, in the name Jesus, which is a European interpretation of the name Joshua (or Yeshua). So they give us this food to eat after they have given us that religion, and that is the reason most people are depressed. Unless we are happy with being unhappy, why would we not change it? The only way to change something is to do it differently, and you have to make a change to be a change. So, what is the change going to be? If you want your circumstances different, you have to do it differently. Are you going to eat differently?  Think different? Love different? Are you going to love yourself different? It has to be different to have a different outcome.

Allison Kugel: The film also talks about urban areas devoid of healthy grocery stores, called “food deserts.” Neighborhoods are filled with bodegas, liquor stores, fast food, but no healthy options. Was that your experience growing up?

Dame Dash: There was always a grocery store. But that little quick fix was also always readily available.

Raquel “Rocky” Horn: You mainly ate at the bodegas.

Dame Dash: Yes, I ate at the bodegas. That is my point and what I’m saying. I would go to the bodegas instead of going to the grocery store because instead of spending ten dollars, I would spend one dollar. I would end up buying fast food or potato chips and buying what I could get for that dollar.  It was those short fixes and it was unhealthy, but would get you through the day. That is still every day, all day, for a lot of people’s whole life.

Allison Kugel: Tell me if you guys agree with this, because I’ve been eating a lot more plant-based foods lately, and I find I am not as hungry, overall? You’re eating less calories, but you are eating more nutritionally dense food, and you’re not hungry as much. Is that true for you?

Dame Dash:  It depends. We are in the house a lot and we are next to a kitchen, so we snack a lot! But while I’m working, I also smoke weed all day, so I’m high.

Raquel “Rocky” Horn: I do believe that the good food you eat makes your body feel better, and it also makes you feel energized. You have proper energy rather than empty calories from bad food.

Dame Dash: Good food and sex are important.

Allison Kugel: I agree (laugh), but food and sex don’t go together. You have to be on an empty stomach.

Raquel “Rocky” Horn: Like, a full Thanksgiving belly is…

Allison Kugel: Right. Who wants to have sex on Thanksgiving? You can’t.

Dame Dash: But every other day, there has to be sex. We have sex in the morning now. It’s been a little challenging having a baby, only because he sleeps with us and he’s definitely monopolized the top part of her body, and he’s a hater.  He can sense me touching her. He doesn’t want another brother there. He says, “Mommy” all day. He’s the boss, so I do have a boss now. He’s my little CEO, and he’s better dressed than me. The whole house is him. I have to sing to him. We make songs together.  He plays the piano and the guitar.  He’s about to have a guitar lesson.  He’s stuck on The Beatles and he is very musical because I turned him into a rock star. And he’s pretty much been eating plant-based too.

Raquel “Rocky” Horn: I wrote a book for him, that just came out, called, Dusko Goes to Space.

Allison Kugel:  Oh, that is so cute.

Raquel “Rocky” Horn:  Yeah, it’s about him and his best friend, Governor, traveling, and they are about two. His whole [nursery] is space-themed, like his book, with all of the planets.

Allison Kugel: Do you want Dusko to go into the music industry?

Raquel “Rocky” Horn: I don’t mind it. Whatever he wants to do, I just want him to be creative.

Allison:  Are you and Dame going to get married?

Raquel “Rocky” Horn:  At some point, after Covid ends. I want to show you the engagement ring I gave Damon. I gave Damon an engagement ring. I had been wanting to give him that.  Damon’s birthstone is emerald, and I love emeralds.  I’ve always loved emeralds since I was a little kid, so it was a really special thing. I thought, “Why do girls always get the engagement ring?  So I got him one, too.

Allison Kugel: Dame, what did you think of Rocky giving you an engagement ring?

Dame Dash:  I loved it. It was beautiful.

Allison Kugel: That didn’t throw you off?

Dame Dash: We’re pretty strategic about what we do, so it was just the timing of it all. She had already accepted my engagement. We’ve asked each other to marry each other so many times and my tax problems were in the way, so we are almost there. We have a baby, and we are so in love that we don’t even know when or what, but it just goes without saying.  It just represents how fly our relationship is.

Allison Kugel:  Weird question: Do you consider weed part of a healthy lifestyle?

Dame Dash: I think it’s different strokes for different folks.  I’m a stoner. I really believe weed is healthy, cannabis. I’m part Anunnaki, and I know the Anunnaki’s brought weed to this planet.

Allison Kugel: Can you function and think clearly when you are not smoking?

Dame Dash: Yes, but I have more patience when I’m smoking. I’m easily triggered because I think the rest of the world is dumb. They’re slow, and I just don’t have time for it. Not many people are cut from the same cloth as me. I can’t judge people, because they are not as evolved. I just have to stay away from them.

Allison Kugel: Would you say you are outside the “matrix?”

Dame Dash: I think I’m more aware.  I don’t know why, but I’ve had a heightened level of awareness of self-worth since the day I was born. I know I come from a royal lineage, and I just know I’m meant to be a king and treated like one, and a real king fights for his love. What comes with being a king is not just reaping the fruits, it’s fighting for it.

Allison Kugel: What are your thoughts on what happened with the Astroworld Music Festival tragedy? Do you think that would have happened in the music business of twenty years ago?

Dame Dash: It did happen twenty years ago. It happened with Puff at the CCNY Charity basketball game put on by Puff and Heavy D in 1991, and I was there. Seven people died, they got smothered. I saw that happen. I actually lost friends in situations like that. I don’t know the homeboy (Travis Scott), and I can’t blame anybody because I don’t know enough about it, but those things have happened, yes, and I’ve been a part of those kinds of tragedies. I’ve seen what it looks like to see people get smothered in the confusion and the chaos that comes with it. I actually know what it feels like to be in that situation, but I was up in the stands, so I got in early, but they all got stuck in the staircase and shit. I lost my friend. Her name was Dawn and she died at that basketball game. Life is so unpredictable, how something that is supposed to be a dream turns into a nightmare. That is why you have to be conscious of things. I would not have had children there. I would not have brought my kids to that festival, that is one thing I would not have done. When I hear about children being there, I think, “Why was a nine-year-old there in the first place?”

Allison Kugel: I know, but I feel so terrible to put shame on a parent that is already grieving the loss of a child. You know what I mean?

Dame Dash: I’m not putting shame. No shame. Nothing but compassion, but at the end of the day, please don’t take your children, during Covid, to a concert where there are a bunch of adults you know who are going to be getting high. That doesn’t make logical sense. I feel sorry for every single person that had to experience that. What happened thirty years ago still sticks with me. Whether I got affected or not, I got affected. I lost people and I saw people lose their lives.

Allison Kugel: Would you say you had PTSD from your experience?

Dame Dash: I still have it. I have it from a lot of things. That is why I talk to a therapist and I have a show on my network called Healing is Gangsta. I have had a lot of trauma that I had to deal with. Being from this culture is traumatizing. Being a woman in this culture must be doubly traumatizing.  People think it’s normal, and it’s not. You can’t let your normal be unhappy or being uncomfortable. For me, if I’m bothered, I want answers right now.  I’m not internalizing anything, because it causes cancer.  If we have stress that we are internalizing it is going to make us sick inside. I couldn’t imagine not having enough courage to speak exactly what I’m feeling honestly, every time I feel it. If I had to hold everything in that I’m feeling, I would be miserable. That is the reason I’m so happy because there is nothing but honest words coming out of my mouth.

Listen to the extended interview with Damon Dash on the Allison Interviews Podcast at Apple Podcasts or Spotify, and watch on YouTube. Follow Allison Kugel on Instagram @theallisonkugel and at allisoninterviews.com.

Watch the groundbreaking documentary film, They’re Trying to Kill Us, featuring interview commentary by Damon Dash about communities of color and health. Tune in to Dame Dash Studios content streaming on Fox Soul every Saturday at 7 pm ET/4 pm PT. Follow on Instagram @duskopoppington and @raquelmhorn.

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6 Ways To Keep Your Costs Down If You’re Isolating

Spending more time at home means you are using your utilities and appliances more than you might typically, so your costs are bound to skyrocket. This means that you’re probably using the internet more for work and at the same time keeping you entertained for longer than usual.

Here are six ways to keep your costs down if you’re currently self-isolating because of the Coronavirus or working from home.

Set a budget

Set yourself a budget and make sure your essentials are covered first. But don’t forget to do your research so that you don’t miss out on any discounts.

Only buy what’s necessary

Only buy what you need because stockpiling adds up, and try to use free local delivery services to save on costs.

Run your appliances on efficient cycles

Run your appliances on energy/water efficient cycles, and only run when it’s absolutely necessary.

Wear appropriate clothing

Popping on another layer and dropping the heating temperature down by even one degree will save you plenty of money.

Turn off non-essential lights and power points

You can keep your electricity costs down by turning off non-essential lights and power points; you’ll be amazed at the savings across the year.

Shop around for value for utilities and internet packages to get the best deal available. Consider the many ‘no lock in’ contracts available that enable you to roll back at a later date…and watch how much you are spending on subscriptions.

Don’t spend money on non-essential items

In current economic uncertain times, it’s not advisable to spend money on non-essential items, luxury bags, and expensive watches – even if they are on sale. There’ll be plenty of retail opportunities down the track.

Don’t forget to check what’s coming out of your account as an automatic subscription. While each may be small – they can add up to a considerable amount. You can pause or unsubscribe from entertainment and gaming app subscriptions and pause any charity donations that will be difficult to maintain.

This article was sourced from the Property Investors Alliance

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5 Super Strategies To Help Boost Your Retirement Nest Egg

With the quieter summer holiday upon us now might be a good time to make some super simple changes that could make a lifetime of difference in retirement.

Many Australians are concerned that they won’t have enough money in their super accounts to fund their retirement.

But there are five easy steps workers can take now to boost their savings:

First, check with your fund to make sure you are getting paid all your legal super entitlements. Unpaid superannuation impacts 3 million workers a year – costing them a total of $5 billion and while most bosses do the right thing there are still some employers out there who deliberately rip workers off. And with the super guarantee rate rising to 12% it is more important to check that the full amount is being paid.

Second, consolidate your super funds into one account, finding lost or unpaid super is simple now using the Australian Tax Office tools.

Third, compare your existing super fund with others in the market to make sure it is meeting your needs. New government ‘stapling’ laws mean that workers are likely to stick with funds for longer. Alarmingly only 7% of people switched after they were told their fund failed a government performance test. Being stapled to one of those dud funds can cost a worker $230,000 at retirement.

Fourth, make sure the type of fund and level of insurance is right for you. Make sure the investment strategy matches your needs and appetite for risk – which your fund can help you with. Also be sure to check the insurance coverage is the right fit for you and your family.

Fifth, if you find some loose change or get some type of windfall consider putting it in your super fund. It is a tax-effective way to make savings and with the power of compounding interest a little invested in super now, makes a big difference in retirement. A 30-year-old on average wages that salary sacrifices $20 a week into super has $67,000 more at retirement and gets a tax saving now.

Further tips on boosting your retirement nest egg can be found on Industry Super Australia’s website

Comments attributable to Industry Super Australia chief executive Bernie Dean:

“There are five easy tips to getting your super right and most can be done from the comfort of your deck chair, beach towel or at home.”

“Check you are being properly paid super, consolidate accounts, compare funds, select the right investment mix and make small extra contributions if you can.”

“With the Super Guarantee set to rise to 12 percent it is even more important to make sure you are getting paid your full legal entitlement and that the fund is working for you.” 

This article was sourced from a media release sent by Medianet

Photo by Andrea Piacquadio from Pexels

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5 Realistic Tips To Build A Successful Startup Business

Getting into the business world is not easy because it comes with many risks and chances. Most entrepreneurs think that having a business plan, some capital, and a workforce is enough to survive in the market. The case is not so. Even the most confident entrepreneurs who have all the resources to maintain a strong position in the competition fail. This is because they do not consider the minute things that will determine their position in the market.

Here are some essential points that can make your business an instant hit with the masses:

Overestimate the Expenses and Underestimate the Revenue

Keep this in mind; there is a high chance that your expenses will exceed your expectations, whereas your revenue will realistically be relatively less. When you are conservative with numbers, your ability to accept reality is weak. Therefore, it is better to estimate figures that will not be shocking for you and not put your morale down.

Let Your Customers Create Your Business

No one is a bigger marketing genius than the customers. It is up to them to decide whether something is worth staying in the market or not. Do not get into a guessing game while assuming what your customers might be looking for. Instead, do the market research and actually find out the current demands of the people. Talk to them and identify their problems and their needs.

Know Your Competitors More Than You Know Yourself

Stepping into the market is definitely not easy. You need to know what you will be facing. It would help if you won the hearts of the consumers, so you can be a step ahead of your competitors because that will make your business stand out in the crowd.

Keep Discovering New Cost-3Effective Method 

Obviously, there is no success in the business until a handsome sum of money hits your bank account. One of the best saving methods is discovering new and reliable techniques to save your cost and increase your profit.

Keep Learning During the Process and Never Miss on Expert Advice

Remember that the process of learning never comes to an end. You will keep discovering new methods, and innovative creations will continue to pop in front of you. If your first formula was a success and ensured a good running of your business in the first season, then the second one doesn’t have to do the same. You might need to strike a new chord to maintain your success.

Keep the points mentioned above in your mind, and you are good to start your venture. Make sure that you never run out of capital to cover up for small losses, which might sum up to create a massive problem in the future.

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Meet The Entrepreneurs Behind The Cover Of The January 2022 Issue Of Global Millionaire: Dennis Koutoudis And Emily Pappas

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LinkedIn is a social media platform that has risen to the top of professional and entrepreneur networking sites in recent years. It now has over 700 million registered active members. Since the outbreak of the COVID-19 pandemic, many have migrated to online work-from-home mode, increasing the importance of LinkedIn even more. Now, if you really want to increase your presence on LinkedIn and elevate your game to another level, then you need to get in touch with LinkedSuperPowers. This is where Dennis and Emily come in. LinkedSuperPowers is a global Social Media Consultancy that has successfully assisted individuals and businesses in elevating their LinkedIn game for the past seven years. Fittingly, they’ve been mentioned in several high-profile publications such as Forbes, Fortune, Entrepreneur, HuffPost, CNN, as well as other major international publications and various TV Channels.

Dennis Koutoudis is the LinkedSuperPowers’ founder and CEO. He’s a rising LinkedIn master and a Social Selling guru – a successful entrepreneur with a Harvard University certification in Social Media Marketing and Disruptive Strategy. He is also a well-known public speaker. His business ventures led to the formation of LinkedSuperPowers, a company specializing in assisting individuals and businesses worldwide, helping them unleash their “superpowers” on LinkedIn.

Emily Pappas is a social media and social selling expert and a #1 International Bestselling Author. Her commitment to reaching her greatest potential has earned her a household name. She is the co-founder of LinkedSuperPowers. Emily’s efforts have paid off, as she has been featured on some of the world’s leading news and information sites, including CNN and HuffPost. She has worked with the majority of the Fortune 500 corporations and, with her partner, has even ventured into the book sector.

Global Millionaire Magazine recently caught up with Dennis and Emily to discuss their journey as entrepreneurs, and here’s what went down:

Could you please tell our readers a brief background about yourselves and how you started your business?

We were social media marketing managers of various companies from various industries, utilizing mainly LinkedIn to accomplish the unique targets each company we were employed by had. One day I decided with Emily to create a company that could help millions of individuals and businesses accomplish their professional dreams. Hence, LinkedSuperPowers was born!

What are you currently doing to maintain/grow your business?

I network with target prospects through LinkedIn and form strategic professional relationships with them, combined with super targeted PR activities.

What is your experience with paid advertising, like PPC or sponsored content campaigns? Does it work?

We have mainly grown our business through organic growth methodologies on social media. That being said, we are aware of companies that have utilized paid advertising with good results.

What is your main tactic when it comes to making more people aware of your brand and engaging your customers? How did your business stand out?

Networking with the right individuals through LinkedIn and nurturing those relationships to the point that a solid collaboration is formed. I believe one way we stand out is that we interact with people with a networking mindset and seek win-win collaborations instead of a “sell our services” mindset. After all we are co-authors of the book “The Superpower of Online Networking.”

What form of marketing has worked well for your business throughout the years?

LinkedIn Marketing, most certainly. LinkedIn can become one’s most powerful tool for professional growth if utilized in an effective way. And this is exactly how we help our clients achieve their goals.

What is the toughest decision you had to make in the last few months?

To put our trust in a new promising vendor regarding PR. We’re confident we’ll see a considerable return on investment, though. We’re big believers in constantly re-investing our company’s revenues back into the business.

What mistakes have you made along the way that others can learn from (or something you’d do differently)?

We wouldn’t try so hard to make something work when we had an indication that it wasn’t working. We’d be more flexible to change course, especially early on in our entrepreneurial journey.

What new business would you love to start?

We very recently expanded our service offering to include some super targeted PR efforts for a select number of clients. We’d love to expand this new service offering further.

If you could go back in a time machine to the time when you were just getting started, what would you do differently?

We’d focus more on things that brought maximum results early on, rather than dividing our energy to other things that were not so effective for the growth of our business.

What is the best advice you have ever been given?

Nobody owes you anything in this life. It is up to you and only you to create the life of your dreams.

What advice would you give to a newbie Entrepreneur setting up their first business?

Economic cushions and support from family and others usually very quickly evaporate. In order to achieve professional success nowadays, you need to rely 110% on your own capabilities. And remember, working hard is just not enough anymore. Just think about this: how many hard workers do you know that are barely making enough to cover their expenses? To succeed nowadays, you need to love what you do, have extreme and constant focus on your targets and work in a super hard and simultaneously super smart way.

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7 Self-Improvement Tips To Get your life Back On Track

Always remember that as long as you are alive, you can change your ways and succeed in life. You have the power and the opportunity to do what you want and be the person you want to become. If you want to improve yourself and achieve your goals, you should follow these self-improvement tips.

  • First and foremost, you need to take full responsibility for your self-improvement. You need to know your true self, the things you’re interested in, and how you’re going to actively pursue them. If you don’t have any idea where you should go, you’ll probably just end up where other people want you to go.
  • You need to set realistic goals and stick to these objectives as well as find ways to achieve them. Such a thing, however, is not enough.
  • Learning continuously is also important. There are skills and techniques that you can adapt to improve your life. Never stop learning. Many people know how important this tip is. You need to continue learning in order to succeed.
  • Look for effective ways to learn new things and improve your skills. Realizing the power of learning can encourage many people to become better in various ways and achieve what they really want. Remember that if you learn new things enthusiastically, you’ll achieve self-growth and succeed in living a more content life. You will become happier and live the kind of life you have always wanted.
  • You also need to change your bad habits. There are many times when a person’s life is dominated by bad practices. If you really want to become a better person, you need to change these habits and stick to the positive changes you’ve made.
  • Being persistent is also important. Some people give up too easily. Always remember that your perseverance will serve as the driving force that will encourage you to do things you think you cannot do.
  • When you focus on a goal, it is important to keep your mind on it. Don’t let yourself get distracted by other goals. Many people cannot focus on anything related to work for a long period of time. It is difficult to do especially since our culture is full of reasons and distractions that force us not to bother a lot with attaining real success.

There are a lot of excuses that we can say so that we don’t do anything productive. If you want to improve yourself and achieve your goals, you need to prioritize every action. Even when you’re not seeing any major progress, you should keep going towards the completion of your goal.

Keep at it and you’ll reap the rewards in the end. There are self-improvement books that provide life-changing ideas and advice that you can integrate into your life. Discover and learn things that can benefit your pursuit of self-improvement. Always remember that learning new things can do you a great favor. Continuous education will certainly help you succeed.

Photo by ThisIsEngineering from Pexels

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How To Style Your Property To Get The Best Property Sales Result

The Sydney real estate market has really taken off and has become very competitive. To get buyers’ attention and secure sales, your property must stand out.

Property styling is essential in achieving this. Beyond being a visual selling tool, property styling allows prospective buyers to see the full potential of a space and envision their future home. It is about capturing their imagination with rooms styled to reflect their ideal lifestyle and trigger that urgent desire to purchase.

Deciding on how to style is a task which experienced property stylists are equipped to help you with. Armed with interior decorating and design expertise and a keen understanding of your target market, they know which look will suit your property and delight your potential buyers.

To ensure the best results, here are key points to remember

1. Style to complement your property and attract your target market

Before selecting a particular look, one must ask the following questions – Who is the target market, and what makes them tick? What look and kind of lifestyle appeal to them? What type of property is being presented? The answers to these questions will determine which look to choose.

As each project is different, we at Valiant Property Styling enjoy this initial stage. One day, we’re creating a coastal luxe look for an up-market coastal penthouse unit. On a different day, we’re doing a traditional look with modern touches for a heritage home.

With the growth of urban units, one of the styles we often use is ‘contemporary.’ This look does wonders for city apartments aimed at young middle-class families. It’s modern, practical, and effortlessly flatters a wide range of properties. Its versatility allows for a variation of looks – you can do luxe, chic, or even arty – and it appeals to a wide range of potential buyers.

2. Play up the property’s best features

Each property has features that make it special and give it character. It is one thing to recognise these; it is another to know how to highlight them. There are subtle yet effective touches to bringing out the potential of these amazing features and adding that extra dimension to a space.

The property boom has brought many brand new apartments and units into the market. Two amazing features these tend to have in common are great views and/or generous light beaming through the space. There are different ways to take advantage of these, but some our favourite tricks are:

– The use of low furniture pieces with slender legs
– Furniture with reflective surfaces such as marble tabletops, mirrors, or pieces with shiny finishes.
– Introduction of a mirror to amplify the natural light in the room
– The use of light colour

3. Picking the correct furniture sizes

It is vital to use appropriately sized furniture to showcase the optimal use of space and further play up its best features. A small room doesn’t necessarily mean you should use small furniture or a large room and big furniture. Using the wrong scaled furniture only highlights the room’s weaknesses and misses the opportunity to showcase its real potential.

For small spaces, many assume that small furniture and accessories are the way to go. On the contrary, a few strategic large pieces can do wonders in widening the feel of the space. For example, a rug that spreads all the way under the lounges creates an illusion of a larger lounge room. Additionally, using rounded edge pieces, like a round coffee table, help create flow. Edges can slice up a room and make it feel even smaller.

When it comes to larger spaces, it’s about furniture positioning. One trick is to float furniture off the wall and arrange pieces to form living spaces within large floor areas. This way, you don’t leave blank spots, and you create a sense of coziness and intimacy while allowing potential buyers to feel the largeness of the room still.

4. Create consistency throughout the home

Having one style applied throughout the property creates a strong sense of continuity and brings different parts of the home together. Doing otherwise disconnects one room from the other. It’s important to create that cohesive viewing experience and present the property as a whole, no matter the size of the property.

5. Leave ample space for people to walkthrough

Part of styling property is finding that balance of empty and filled space. The rule is to allow a little more than enough space for people to move open for inspections comfortably. The aim of property styling is to enhance to fill every space with furniture or accessories.

6. Enhancing with the right accessories

Accessories are always a lot of fun. Like icing on a cake, it’s amazing to see how the space comes together once the little details are added. To maximise the effect accessories can create, balance is always needed. One can easily over accessorise and distract viewers from seeing the features of the space, while with under accessorising, you miss the opportunity to bring a space to life.

Always remember, styling to sell a property isn’t just making a space look beautiful; it’s bringing the correct design elements together to appeal to your buyers. Make sure this is done well to enhance your selling prospects and get the best results.

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3 Simple Ways to Fatten Up Your Wallet

By: Michelle Baltazar

Just like your body, there’s no point putting your purse under a crash diet. Slowly but surely, getting rid of high-sugar expenses is the way to go.

What happens if your bank account is fat-free? When you count the minutes to your next paycheque? Or maybe your credit card blues are starting to give you the twitch?

Don’t stress. Millions of Australians are in the same boat. According to research, many are weighed down by their mortgage payments, mounting credit card bills, and rising prices of just about everything (food, petrol, and alcohol included). No wonder there are plenty of Aussie battlers!

But with the new year comes a new chapter in your life – a good excuse to scratch your money problems in 2022. Here are three tips from the experts.

1. Don’t go ‘cold turkey’.

Find out what you can cut from your expenses and what you can’t – but go slow on changing your lifestyle or else you’ll revert back to old habits, says experts.

For example, if you buy coffee from your favorite deli every morning, cut it down to only twice a week (to coincide with the days you really need a pick-me-up).

New year’s resolution? Buy your own percolator and coffee beans. It’ll cost you a fraction of what you usually pay and you can avoid those long 9 am queues.

2. Visit the markets.

For sightseeing on a lazy Saturday morning, go to the Bondi Markets, the Glebe markets, or the one in Paddington. But for a serious “oh-my-god-I-can’t-believe-how-cheap-it-is” feeling, go to Paddy’s Markets or somewhere away from the city (like the suburban markets of Blacktown and Flemington).

In Paddy’s Markets Chinatown for example, a bag of snowpeas cost $2 (can cost double that at major groceries), or a punnet of strawberries for $1 ($2.99 in groceries), or a bag of mushrooms for $2 (can be $4 for the same bag in groceries).

Markets are also great for buying birthday and Christmas gifts. Pre-loved items that look good as new are a-plenty. In Blacktown markets, for example, one happy buyer snagged an uber-cool lamp for $5 while another bought a rare, retro doll for $2. Less practical but more memorable than the usual soap and shower gel set!

3. Get running

Research shows that all types of exercise can help keep your brain sharper than if you didn’t do any exercise at all. Aerobic activity (gets your heart pumping for more oxygen) also prevents you from getting mental-related illnesses in the future. It has something to do with the synapses in your brains remaining connected and fired up with regular exercise.

Why is running a money-saving strategy? You don’t need a gym membership for it and you can save on huge healthcare bills in the future. Oh, running to your favourite store during a sale doesn’t count as exercise. Sorry.

Source: The Australian Filipina

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Meet The Shepreneur Behind The Cover Of The December 2021 Issue Of Global Millionaire: Dr. Roya J. Hassad

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Dr. Roya J. Hassad is a premier, award-winning physician, educator, speaker, and the founder of Hope, Life, and Dream Centers, the most prominent Anti-Aging medical centers in New York.

The anti-aging market is a booming sector, valued at approximately USD 44,124 million in 2020, which is set to maintain an upward spiral. Dr. Hassad is spearheading this sector with her innovative first-class services in anti-aging medicine.

From a tender age, Dr. Hassad has always had a burning passion for everything health, beauty, and wellness. Everything she has done in life has been streamlined to achieve this purpose – a professional who transforms the lives of others. She originally hails from Iran, where she managed to earn a degree in medicine from the prestigious Iran University of Medical Science. After migrating to the U.S. in the early 1980s to pursue her dream, she continued her medical education at Icahn School of Medicine at Mount Sinai and St. Joseph Medical Center of Family Medicine, both of which are based in New York.

With longevity comes experience; with experience comes greater expertise; Dr. Hassad has put in the work, and today, the results speak for themselves. Due to her influence, there’s a palpable difference in how people view age prevention practices such as hormone treatment or facelift surgery. The idea that anti-aging treatments should come at one’s nether years has been challenged by the good doctor, which, she believes, should be a holistic lifestyle – women should practice whenever they desire.

“I am passionate about all things anti-aging and regenerative medicine, which is something that I have held near-and-dear to my heart since I was very young,” said Dr. Hassad. “I don’t believe we should have to accept premature aging and visible signs of wear-and-tear on our skin and our faces. I knew there had to be alternative options, which is why I have dedicated my life from a medical perspective to championing the anti-aging movement.”

True to form, Dr. Hassad has treated thousands of patients with hormone deficiency disorders related to aging, such as menopause or diabetes mellitus. She has also developed innovative treatments such as Bioidentical Hormones, which incredibly mimic hormones found in the human body.

Dr. Hassad is definitely a force to be reckoned with in the medical field. She is the medical director of Advanced Medical Health Services. She is also affiliated with some of the top medical institutes, such as Mount Sinai Hospital and Beth Israel Medical Center in New York. She is a board-certified anti-aging specialist and has extensive experience in anti-aging and regenerative medicine. In fact, Dr. Hassad has been recognized as one of the top family practice physicians in the U.S.A. Her practice center, Advanced Medical Health Services, is the premier medical and health clinic on Long Island. She was also selected as a top family physician in 2016 and 2017.

To sum it up, there is no doubt that Dr. Roya J. Hassad has built a fantastic reputation in her field. Renowned for her medical practice, particularly regarding wellbeing and anti-aging – it’s no surprise that she has been a leader in the field of anti-aging for decades. With the way she’s going, there’s really nowhere else to go but up.

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Inside The Mind Of Mathew Knowles: The Founder Of Music World Entertainment

By Allison Kugel

Music Executive, artist manager, entrepreneur, activist, lecturer, author, and cancer survivor, Mathew Knowles brought the world multiplatinum-selling girl group Destiny’s Child, singer-songwriter Solange, and multi-hyphenate megastar Beyonce. He’s worked with music legends, Chaka Kahn, the O’Jays, Earth, and Wind & Fire, and sold more than 450 million albums, worldwide.

A devoted academic who earned his MBA in Strategic Planning and Organizational Culture and his Ph.D. in Business Administration, Knowles currently mentors and teaches emerging entrepreneurs and artists with courses like his most recent, The Music Industry in the Digital Age, through Point Blank Music School where he holds a professorship; Knowles additionally holds professorships at the University of Houston, Prairie View A&M University, and The Art Institute.

Most urgently, Mathew Knowles is on a mission to help get more Americans in underserved communities vaccinated against Covid-19 alongside the National Minority Health Association’s Flex For Checks program, which can be learned about at thenmha.org and flexforchecks.com.

Allison Kugel: What is the National Minority Health Association, and how did you get involved with their Flex for Checks initiative?

Mathew Knowles: The National Minority Health Association is working with brown and Black communities on various health initiatives. For example, when we look at Black men and we look at the percentage of Black men in America, we lead in mortalities in every category, Allison, except for breast cancer and suicide. Black women lead in mortality rates for breast cancer. Why is that? Because of a lack of awareness in our communities. It’s about lack of early detection. The National Minority Health Association’s specific program, Flex For Checks, is about increasing awareness about getting vaccinated [against COVID-19]. You register, you get a shot, and once you’ve proven that you’ve gotten the vaccination, you then receive $50.

Allison Kugel: That is once you’ve gotten your complete vaccination, meaning two shots, with the exception of the Johnson & Johnson vaccine, which is a single shot?

Mathew Knowles: Every time you get a shot, regardless of if it’s one, two, or the booster, you will receive $50.

Allison Kugel: At this point in time, you can pretty much walk into any CVS, Walgreens, Rite Aid, any clinic, or vaccination site, and get your COVID-19 vaccine. You don’t have to pay for the vaccine, it’s free for all Americans and readily available. So, when you say “lack of access” or “underserved communities,” is it more about getting people the correct information regarding the vaccine?

Mathew Knowles: It’s both. We are almost there with 70% of the U.S. [vaccinated], but there is still that 30% [that is not vaccinated]. So, what do we have to do to convince and incentivize that 30%, of which there is a high minority rate? We are giving a financial incentive. I know it sounds sort of absurd that I have to give you a financial incentive to save your life, but if that is what it takes, then that is what the National Minority Health Association is willing to do, with a grant they have received. It’s to incentivize people to go and get vaccinated.

Allison Kugel: Is there, in your opinion, a skepticism of government and a skepticism of the medical establishment, among many people of color?

Mathew Knowles: There is, and I happen to have this sheet that I pulled up which talks about the myths. One of the myths is, “the vaccine hasn’t been tested on people like me,” meaning people of color. The truth is the clinical trials for all three vaccines have taken all kinds of diversity into consideration. Pfizer: 30% people of color. Moderna: 37%. Johnson & Johnson: 35%.  So that myth is busted. And there is a myth about the side effects of getting the COVID-19 vaccine. The truth is, while there are some mild side effects, and I got the Moderna vaccine as well as the booster, and did have soreness in my arm for two days, but the risk/reward of me having a sore arm versus having a ventilator down my throat. Let me weigh that out.

Allison Kugel: I think some aspect of vaccine hesitancy is, simply, fear of the unknown. People might be thinking, “What kind of side effects will I get?” 

Mathew Knowles: I have a cup of tea in front of me right now. I’m going to drink it. I have no idea what all of the ingredients are in this tea. I have no idea if this cup will give me any side effects. That is true for so much of the food we eat, medications we take, and so forth. We have to put this into the proper perspective. We never really truly know every ingredient we put into our bodies. But we have to have trust in the science and in the research. I haven’t heard anybody say what I’m about to say, but I think a lot of people haven’t gotten the vaccine because of a fear of needles. There are a lot of people that are traumatized by a needle, and nobody is talking about that.

Allison Kugel: You might be right. It’s a common phobia. I actually made the woman who gave me the vaccine hold my hand, because I was such a baby (laugh).

Mathew Knowles: Well, I mean, it’s normal, but no one is really saying that. I really truly believe that a lot of this is just a phobia of getting a needle in the arm.

Allison Kugel: Which, by the way, you really don’t even feel. It’s just two seconds. You blink and it’s over.  

Mathew Knowles: I didn’t even know. The doctor was talking to me and the next thing I knew I’m asking, “When are you going to give me the shot?” He said, “I already did.” I said, “Wait, what (laugh)?!”

Allison Kugel: Sadly, we just recently lost Colin Powell to complications from COVID-19. Something came out in the news that was confusing to many people. His loved ones stated the following, “We want people to know that he was completely vaccinated.”  That statement then gave rise to more skepticism of, “See? He was vaccinated and he died from COVID complications.” But it is important to note that he had been battling cancer of the blood, which significantly compromised his immune system, and it also made the vaccine less effective.

Mathew Knowles: People will use that as a reason not to get [the vaccine]. However, this is based on the information in the last 24 hours that I have listened to and read: he had a compromised immune system, and [allegedly] he had not gotten the booster shot yet, is what I also read. Again, this is not necessarily all accurate, I’m just citing what I’ve read and heard. I have a compromised immune system, and I understand that getting a COVID shot doesn’t necessarily 100% mean that I’m not going to get COVID. What it’s supposed to do is not have me in the hospital with a ventilator down my throat, hopefully. For that reason, I was one of the first to get it, and I think it’s very unfortunate, but we have to understand there were other underlying conditions.

Allison Kugel: How do people get financial compensation after they have gotten vaccinated?  How does the process work?

Mathew Knowles: You can register for the program by calling 877-770-NMHA, or you can go to flexforchecks.com. Registering is the first step. Then you get the shot at one of the many locations in your community, and we identify those for you. You then upload proof of your vaccination to your Flex For Checks profile. Once you upload your proof of vaccination, we will automatically mail you a check. It’s that easy.

Allison Kugel: Perfect. I’d like to go into some of your personal history. You grew up in Alabama in the 1950s and 1960s. I would imagine you lived through your fair share of racial discrimination. What was your first-hand experience?  

Mathew Knowles: I’ve written five books, and one of those is Racism from the Eyes of a Child. My mother went to high school in a small town in Alabama, with Coretta Scott King. Also in that class was Andrew Young’s wife. My mother then moved to a larger town in Alabama, and she took up the torch of desegregation. Imagine, I was born in 1952, so from 1958 to 1972 I went to all-white schools. Think about that.

Allison Kugel: All white schools, meaning you were in the significant minority…

Mathew Knowles: In my junior high school, there were 6 Blacks and 1,000 Whites. In my high school, there were maybe 20 Blacks and 3,000 whites. The University of Tennessee at Chattanooga had 14,000 whites and maybe 50 Blacks. Then I transferred to an HBCU, Fisk University in Nashville, which was my first experience in a Black educational environment. I was one of the first [students] with desegregation. I had been beaten, I’ve been electrically prodded, I’ve been spit on, I’ve been humiliated, all sorts of trauma. I had to go to years of therapy to overcome it, no different than for a woman who has been sexually assaulted. Racial trauma is the same. It just doesn’t get the attention that it should. It’s unfortunate that a woman can speak of being sexually traumatized 30 or 40 years ago, but you can’t be Black and say that. Nobody cares.

Allison Kugel: Any recent stories regarding racial discrimination?

Mathew Knowles: I always love what Michelle Obama once said about President Obama. They asked her, “Are you frightened that your husband is going to get assassinated?” She said, “You know, my fear is that my husband could get shot by the police, pumping some gas.” The point she was making is that when you are Black there is no determination that says, “Hey, I’m the president,” you know? For example, with me, if you are in your neighborhood and you’re dressed normal, when you’re Black everyone doesn’t know who your daughter is, nor do they care. Just recently, I’m on a plane putting my bag up in first class. The flight attendant comes over and says, “I’m sorry, sir. You need to put your bags in the back, in coach.”  I said, “Do you say that to all of your passengers?” She says, “Yes, I say that to all of my coach passengers.” I said, “So you just assume I’m flying coach, huh?” Those types of things still happen today.

Allison Kugel: How did you eventually make your way to Houston? And do you think the success that your daughters, Beyoncé and Solange, have had in the music industry, and the success you’ve had on the business side of the music industry, do you think that could have been possible had you stayed in Alabama? Or would there have been no ladder to climb up?

Mathew Knowles: It was more from my educational path, from getting a proper education. I was in Nashville, Tennessee and I chose Houston because of all the industry. At the time, you had affirmative action and you had quotas that these major oil companies and all the other companies that were successful because of the oil initiative in Houston, had to fulfill. So at that time in Houston, it was very easy being Black and getting a really good job. That is why I went to Houston, Texas from Nashville. I grew up in Gadsden, Alabama, where we had a Goodyear plant and we had a public steel plant, real blue-collar. Chances are I would have ended up working at one of those types of facilities had I stayed in Gadsden. My parents had encouraged me and my vision was much broader than that, so I wanted to go and get the academic knowledge, and then I got 20 years of corporate experience.

Allison Kugel: You’re working in Corporate America for Xerox. What gave you the power of belief to make the leap from a stable corporate job to pursue the music industry, with Destiny’s Child and Beyoncé, and then for Solange? Was it blind faith?

Mathew Knowles: I call that the “Jedi Mind Trick,” Allison. Unfortunately, that is the story that the media has painted and it’s not accurate. It’s not even close to being accurate. I worked at Xerox Corporation for ten years. For eight of those years I worked at Xerox Medical Systems. We sold diagnostic imaging for breast cancer detection. Because of my success, being the number one sales rep worldwide for three years in that division, I was able to then go with Phillips Medical Systems to sell CT and MRI scanners. After 6 years of having success, I had headhunters calling and I went to Johnson & Johnson as a neurosurgical specialist. Then because of managed care, I was told by a neurosurgeon that he couldn’t use my instruments because of the cost associated with them. It was a defining moment and I had to decide what career path I wanted. As a kid I did things like deejay for my parents, I was in a boy band, and I had this passionate love of music. There was this young man in Houston who had asked me a couple of times to manage him. The first artist that I got a major record deal for was not Beyoncé. It was not Solange. It was a rapper named Lil’ O. MCA records was the number one urban record label at the time with Puffy, Mary J. Blige, and Jodeci, so you see how inaccurate that story is?

Allison Kugel: You got your foot in the door with MCA Records, managing rapper Lil’ O, prior to launching Destiny’s Child. We’re busting apart the myth right now. 

Mathew Knowles: Yes (laughs). I also went back to school, because I believe knowledge is power. For 15 years I’ve been a college educator, and so I went back to college and took three courses. I went to every seminar I could. I began to build every relationship that I could. You have to understand, skills are transferable. I was able to transfer my skill of being the top salesman in corporate America to the music industry.

Allison Kugel: That’s important. People may not realize that whatever their skillset is, that experience is transferable and can be used to pursue additional opportunities or careers.  

Mathew Knowles: If you talk to anyone that worked at Xerox or Phillips and knew me, they would say, “I’m not surprised he was successful in the music industry.”  Then, of course, I had this amazing talent to work withLet’s not leave that out of the equation (laugh).

Allison Kugel: Yes, you did. I don’t know if anyone has ever asked you this before, but did Destiny’s Child, Beyoncé, Solange, or you for that matter, ever experience any racism within the music industry? 

Mathew Knowles: Yes, absolutely. In the ‘90s, record labels had their urban division, or sometimes it was called the Black music division. There was segregation inside of these major record labels. Because I also managed white artists, I got to see all of the budgets. There was a great difference in a Black artist’s or “urban division’s” marketing budget from that of a white artist’s budget and the regular pop music division’s budget.

Allison Kugel: What is the best advice you have ever received?

Mathew Knowles: When you live your passion, you never work a day in your life. Find that thing that motivates and inspires you. Find what adds fuel to your excitement. That is the thing we should be working towards. Not what our parents want us to be, or what society wants us to be, or what our husbands or wives want us to be. It should be that thing inside of us that we are passionate about. Normally, that gives us success, not an overnight success, but over time. If you follow your passion, every day you wake up you will be excited.

Allison Kugel: What do you think you came into this life to learn, and what do you think you came here to teach?

Mathew Knowles: It would be to educate and motivate people. I grew up poor, yet I never knew I was poor until I was in my mid-20s. My parents were such great parents that they never made me feel less fed than any other kid. I had wonderful parents that motivated me and supported me. I come from a family of entrepreneurs on both sides of my family, so I had that foundation. I have always wanted to educate and motivate people. That’s why I think I always did so well in sales and marketing because I understood how to motivate and educate with knowledge. I love coming from a place of knowledge. I don’t shoot from the hip. My dad made $30 a day driving a produce truck and convinced the company he worked for to let him keep the truck. He would then go tear down old houses and he would sell all the copper and metals. He would buy old cars that were abandoned and sell all the parts. My mother was a maid and she made $3 a day. She convinced the white woman she worked for and the woman’s white girlfriends to give her all their hand-me-downs, and on the weekends, she would make these beautiful quilts with two of her own girlfriends. My parents made six to ten times more on their second jobs than they did on their day jobs, and so I watched that. I watched them being entrepreneurs and thinking outside the box.

Allison Kugel: By the way, there is a strong connection between financial empowerment, a belief in one’s future, and the desire to look after one’s health, which I am sure you know.

Mathew Knowles: Health is number one. Without that, you actually become a liability to everyone. You can’t be the best family member, you can’t be the best friend, without having good health. I’m sitting here today speaking to you because I understood early diagnosis and early detection, and I was able to find my cancer early at stage 1A. Not everyone has that opportunity. This is about early detection, knowledge, and understanding of health. Believe in faith, but also believe in science. Put them together; not one by itself.

Allison Kugel: Aside from the Flex for Checks initiative, in what other ways is the National Minority Health Association reaching out to communities of color to help people look out for their own health?

Mathew Knowles: All of the things we are talking about today. They are less than a year old and they have just gotten their funding, which takes a while to get. They are now ready and geared towards early detection and health information, especially in the Black and brown community. A lot of our challenges are just because we simply don’t know, and also the mental health that people don’t want to talk about, especially in the Black and brown community, and the effects of mental health, or the lack thereof, on our overall health.

Allison Kugel: Do you think cultural competency among healthcare providers is an important ingredient when it comes to healthcare, whether it is mental health, early detection screenings, or getting the COVID-19 vaccine?

Mathew Knowles: I think that falls into the entire gamut of society. If we were able to see more doctors and more nurses that look like us, if we were able to see more police that look like us in our communities; I think we can even take that to corporations. Yes, absolutely. This is my second year going to Harvard for the summers. I took this summer [course], Cultural Intelligence. We just don’t want to talk about the differences in our cultures. Black people are culturally different than white people. That is not saying one is right or one is wrong. That simply says that the way I might approach a problem could be different than the way you approach a problem, based on my culture and my background. I just think we need to understand cultural intelligence, understand how we are different, and accept that rather than thinking that everybody has to be the same. Well, no, we don’t have to be the same.

Allison Kugel: Let’s talk race versus socio-economic status, and healthcare. As a person moves up the economic ladder, do you think race is still a major factor in the healthcare someone receives?  

Mathew Knowles: There is a bill that is about to come in the next six months in the House of Representatives from a California Congressman that is going to address just that, race in the medical system. Quantitative research with doctors and with hospitals makes it very clear that race does matter in terms of those going into emergency rooms, and who gets to get the diagnostics like the CT scans, the MRIs, and the extra care. Race does matter.

Allison Kugel: Even as you move up the economic ladder?

Mathew Knowles: I think it’s certainly reduced as you go up the economic ladder, because what happens is, as you go up the economic ladder, normally, your new knowledge base also goes up.  As your knowledge base goes up, you begin to understand that this doctor who I looked up to as God, instead it’s the knowledge that you are going to see a physician and as a patient you have the right to say, “I want this procedure done,” or “I have the right to do that, because I’ve researched and I want you to perform that test or that procedure.” I think as you move up economically your knowledge progresses.

Listen to the full, extended interview with Mathew Knowles on the Allison Interviews Podcast at Apple Podcasts or Spotify. Follow Allison Kugel on Instagram @theallisonkugel and at allisoninterviews.com.

Learn more about the National Minority Health Association’s Flex for Checks program at thenmha.org/flexforchecks. Join the fight for health equity at thenmha.org/donation. Follow Mathew Knowles.