Is Cardonio a Scam?

The question always comes to mind, whatever the product or deal may be, especially during these times when information flow has become efficient and accessible to any individual who may have good or bad intentions. More so when it comes to financial deals as they involve direct exchange of currencies that now travel at the speed of light and made available through an efficient worldwide banking or financial network right at the next corner in any town via a convenience-shop’s teller machine. This modern convenience does have its ups and downs. You have the right to ask the question and to know the truth.

Cardonio does not merely deal with material or ideal objects but essentially with people who have precious lives to live, dear families to take care of, and important jobs or businesses to manage. Although there are individuals who find satisfaction in making life for others difficult, if not miserable, majority of people work hard to make life for others more convenient, as well as to build of this world a more comfortable place for all. Cardonio believes that having the convenience and freedom of undertaking one’s financial needs wherever one may be in the part of the world, at home or travelling abroad, is an advantage that our modern life has allowed us to achieve in order to free us from worries, as well as from dishonest parties who may come our way.

Cardonio allows the customer to use their card to make any payment against their cryptocurrency with a 90-day period to cover the expense. This allows the customer the advantage of keeping their account liquid while waiting for the maturity date. It also gives the advantage of gaining some profits from the increase in the exchange rate between one’s currency, say GBP to USD, on the transaction. All this is done without the customer being charged with fees or mark-ups, as in most credit card facilities. This alone should convince us that the risk is entirely upon the service-provider and not on the holder.

Cardonio aims to ride the flow of renewed global confidence in financial growth. Whatever obstacles may come along the way, it is ready and capable of protecting its customers and providing them with solutions that will help them achieve financial peace-of-mind, confidence and growth.

Never miss free Cardonio Crypto Airdop again!

Phil Devin Consultants - Sitoutunut antamaan sinulle luotettava Real Estate Service

Koska sen perustamisesta, Phil Devin Real Estate on sitoutunut tarjoamaan aitoa ja parempaa kiinteistöjen palvelun eri ihmisille ympäri Australiaa. Ei ole yllätys, että tämä pieni-boutique viraston ympäristö sai luottamuksen monet ihmiset etsivät että ammatillisen kiinteistöjen apua. Se on myös tunnettu sen reagoiva, yksityiskohtainen ja henkilökohtainen palvelu.

Odottaa positiivista tulosta, kun olet päättänyt työskennellä henkilökohtaisesti Phil Devin. Hän ei sisälly yksi luotettu kiinteistöjen ammattilaisia omalla alueellaan, jos hän ei tarjoa palvelua jokainen asiakas ansaitsee. Hän on myös mukana paljon onnistuneita projekteja hänen monen vuoden kiinteistöjen palvelu, ja tarpeisiin hänen asiakkaansa on hänen ensisijainen tavoite.

Phil on huolellinen tehdessään työnsä jossa hän ei anna yhtä yksityiskohtaisesti kulkea tarkistamatta sitä, koska hän on omistettu tarkkuutta varmistaa laadukkaan tuloksen. Phil voi myös kehittää oikea ratkaisu sinulle perustuu hänen rehellinen tuomio oman kiinteistöjen tarpeisiin. Todistaja hänen loputon sitoutuminen antaa sinulle tuloksia olet toivonut.

Voit olla varma, Phil on laaja kokemus kiinteistöjen ja hänen luotettavaa tietoa, ja odottaa, että hän oikein opastaa sinua koko prosessin. Hän sekoittaa ammatti taitoa ja approachability erittäin hyvin, kun hän keskustelee asioista hänen asiakkaansa. Löydät myös asiakkaiden arviot hänestä täynnä kiitosta ja jopa suositella hänelle heidän perheensä ja ystävänsä.

Kun kaikki nämä sanoi edellä, on selvää, että Phil on jo vankka perusta kiinteistöihin ja voit olla varma hänen fiksu tavalla. Mutta hän ei lopeta oppimista, koska hänelle jatkuva oppiminen on välttämätöntä.

Phil Devin Consultants on perustettu, koska Phil halusi tarjota hänen "parempaa palvelua ja parempia tuloksia" enemmän ihmisiä ja laajentaa hänen ulottuvillasi. Virasto jatkaa kasvuaan ja antaa sen kiinteistöjen palvelun monille Australiassa.

Jos käyt sen virallisella verkkosivustolla, näet paljon ominaisuuksia, jotka voivat auttaa sinua kiinteistön huolta, koska sen avulla käyttäjät voivat pyytää arviointia, Etsi kiinteistöjä vuokrataan tai on myyty, täytä-up vuokra-hakemus, tai jopa pyytää huoltoa. Tiedustele Palvelut Phil Devin kiinteistöjen tänään ja oppia lisää sen onnistuneen taustan.

Tietoja meistä

Puhu kaikille, jotka ovat kokeneet prosessi ostaa tai myydä kiinteistöjä ja usein niiden tulokset ovat yhdistelmä stressiä, pettymys ja lopulta kompromissi! Yksi monista tavoitteistani on varmistaa, että seuraava siirto on myönteinen.

Aloitin Phil Devin kiinteistöjen kanssa yksi yksinkertainen tehtävä: "tuottaa tuloksia, jotka ylittävät asiakkaidemme odotukset".

Mikä does nyt kuluva alhainen ajaksi te?

·         Tiedän, että olet kiireinen ja kunnioitan aikaasi. Kun me asettaa nimittäminen ja i'll olla siellä.

·         Kun sanon jotain voidaan tehdä... voit luottaa siihen.

·         En yritä lumen ihmisiä tai piilottaa tietoja. Im ' aivan jokseenkin ilmaiseminen.

·         En ole sitä mistään yhden liike toimen-olen sitä pitkän matkan... elinikäisen suhteita.

·         Tämä tarkoittaa, i'll työtä saada tuloksen ansaitsette.

Loppujen lopuksi, kun ostat tai myydä minulle, se tulee alas oman päätöksensä, mikä on sinulle oikea ratkaisu. Tavoitteenani on varmistaa, että sinulla on tarpeeksi tietoa tehdä päätös voit olla tyytyväinen alas radan. Kun valitset minut auttamaan sinua ostamaan tai myymään kotisi voit luottaa reagoiva, laatu, kattava ja henkilökohtainen palvelu.

"pettymys on ero sen välillä, mitä asiakas odottaa ja mitä agentti toimittaa"

Tiedän, että asiakkaani ovat himo käsitellä "ammattilainen", joka voi "kuunnella" niiden yksittäisten haluaa ja tarvitsee ja tarjota ratkaisuja heille!

Phil Devin on, että ammattilainen!

Galveston News Reviews: Rosenberg Library's March Treasure

Antique Pocket Watches

Today’s watches - worn on the wrist - are increasingly high-tech, providing not only the time and date, but also GPS navigation, fitness tracking, and internet access. However, for most of history, people carried simple watches in their pockets in order to tell time. Also called “pocket clocks” pocket watches were used until WWI when the wrist watch was developed.

During the month of March, Rosenberg Library will exhibit an assortment of antique pocket watches from its museum collection.

Pocket Clocks

By the late 1400s, small, spring-driven clocks were being manufactured in Italy and Germany. The earliest European watches only had an hour hand; the minute hand did not appear until the late 1600s. Typically, the watch face was covered by a hinged brass plate rather than with glass. These watches were often worn on a chain around a neck, and only later were watches carried in a pocket. Pocket watches were usually attached to a chain to prevent them from being dropped or broken.

Pocket Watch Styles

There are three main types of pocket watches: open-face, hunter, and demi-hunter. An open-face watch lacks a protective cover over the crystal but is covered by a thick piece of glass. Conversely, hunter watches have a thin glass face but are protected by a metal cover which opens with a springed hinge. This keeps the watch from getting dirty or scratched. A demi-hunter also has a springed hinge cover, but it features a glass panel on the outer cover so that the time can be read without opening it. Cases for pocket watches were most often made from metal, though less durable ceramic and glass cases were also manufactured.

American Watch Makers

Although early Americans owned watches imported from Europe, pocket watches were not manufactured in America until the 1830s. Even then, American-made watches were only produced on a small scale and many people could not afford to purchase them. However, by the mid-1850s, innovative American companies (including Elgin, Waltham, and Hamilton) had developed machine-made, interchangeable watch parts and had begun to utilize assembly-line production. This enabled American watch makers to offer mass-produced watches at a low price to consumers.

In 1896, the mail order firm of R.H. Ingersoll and Bros. began selling wholesale watches for $1 apiece. Dubbed “The Watch that Made the Dollar Famous” Ingersoll’s dollar watches became wildly popular and within 20 years, 40 million units had been sold. Despite this initial success, Ingersoll and Bros. declared bankruptcy in 1921 during the post WWI recession.

For higher-end consumers, the iconic American jewelry firm Tiffany and Co. also produced pocket watches. Tiffany partnered with Patek Phillipe, a prestigious Swiss watchmaking firm which produced a line of luxury, handcrafted watches for the Tiffany brand in its Geneva factory.

The Emergence of the Wristwatch

During WWI, the trench watch was developed. This was a transitional design combining elements of both the pocket watch and the wrist watch. Military personnel found it more convenient to wear a watch on the wrist than to carry it in a pocket. This trend spread to the general public, and by the 1940s, wrist watches had become the much preferred timekeeping accessory.

Galveston News: Researchers Find New Gene Interaction Associated With Increased MS Risk

A person carrying variants of two particular genes could be almost three times more likely to develop multiple sclerosis, according to the latest findings from scientists at The University of Texas Medical Branch at Galveston and Duke University Medical Center.

One of these variants is in IL7R, a gene previously associated with MS, and the other in DDX39B, a gene not previously connected to the disease.

The discovery could open the way to the development of more accurate tests to identify those at greatest risk of MS, and possibly other autoimmune disorders, the researchers said.

The findings are published in the latest issue of Cell.

A disease in which the body’s own immune system attacks nerve cells in the spinal cord and brain, MS is a major cause of neurological disease in younger adults, from 20 to 50 years of age, and disproportionally affects women. While treatable, there is no cure for MS, which can lead to problems with vision, muscle control, balance, basic body functions, among other symptoms, and could lead to disability.

Available treatments have adverse side effects as they focus on slowing the progression of the disease through suppression of the immune system.

Thanks to the collaboration between scientists at UTMB, Duke, University of California, Berkeley, and Case Western Reserve University, researchers found that when two particular DNA variants in the DDX39B and IL7R genes are present in a person’s genetic code, their interaction can lead to an over production of a protein, sIL7R. That protein’s interactions with the body’s immune system plays an important, but not completely understood, role in MS. 

“Our study identifies an interaction with a known MS risk gene to unlock a new MS candidate gene, and in doing so, open up a novel mechanism that is associated with the risk of multiple sclerosis and other autoimmune diseases,” said Simon Gregory, director of Genomics and Epigenetics at the Duke Molecular Physiology Institute at Duke University Medical Center and co-lead author of the paper in Cell.

This new information has potentially important applications.

“We can use this information at hand to craft tests that could allow earlier and more accurate diagnoses of multiple sclerosis, and uncover new avenues to expand the therapeutic toolkit to fight MS, and perhaps other autoimmune disorders,” said Gaddiel Galarza-Muñoz, first author on the study and postdoctoral fellow at UTMB.

It can sometimes take years before an MS patient is properly diagnosed allowing the diseases to progress and resulting in further damage to the nervous system before treatment begins. 

With more accurate measures of risk, health care providers would be able to screen individuals with family histories of MS or with other suspicious symptoms. It could lead those with certain genotypes to be more vigilant.

“One could envision how this type of knowledge will someday lead to diagnose multiple sclerosis sooner and, now that we have promising therapies, a doctor could start the appropriate treatment more quickly. It is not out the realm of possibility to imagine a path for screening for other autoimmune diseases such as Type 1 Diabetes,” said Dr. Mariano Garcia-Blanco, Professor and Chair of the department of biochemistry and molecular biology at UTMB, and co-lead author of the paper.

For Garcia-Blanco the fight against MS is personal. He was already working on research related to MS when in 2012 he found out his daughter, then in her late 20s, had been diagnosed with the disease. Garcia-Blanco said this refocused his efforts on his MS related work.

“I’m much more aware now of how the work we do in the lab could someday lead to something that can be used to help those who have to live with MS”, Garcia-Blanco said.

Other study authors include Farren B.S. Briggs, Irina Evsyukova, Geraldine Schott-Lerner, Edward M. Kennedy, Tinashe Nyanhete, Liuyang Wang, Laura Bergamaschi, Steven G. Widen, Georgia D. Tomaras, Dennis C. Ko, Shelton S. Bradrick and Lisa F. Barcellos.

The research was supported by the National Institutes of Health, National MS Society Pilot Award, Duke University Whitehead Scholarship, Ruth and A. Morris Williams Faculty Research Prize funds from Duke University School of Medicine, start-up funds from UTMB and funds from Mr. Herman Stone and family for MS research.

Capital Group Financial Advisor: US Stocks May Not Be as Expensive as They Seem

U.S. stocks would seem to be expensive. Markets are at historic highs. Investors are currently paying more than 21 times what companies in the Standard & Poor’s 500 have earned over the past 12 months, according to operating earnings from S&P Dow Jones Indices. Investors are paying well above the 18.8 average multiple they’ve paid for stocks since 1988, S&P data shows.

Don’t take this as a signal to sell, though, says Darrell Spence, an economist at Capital Group. Reading too much into this one data point could cause long-term investors to miss out on future gains. “It could be possible for the S&P 500 to post an increase in 2017, despite the full starting valuation,” he says.

Here are four reasons why long-term investors should look beyond the price-to-earnings (P/E) ratio:

1.The P/E ratio isn’t always a predictor of future stock movements.

Just because the market’s P/E ratio is high doesn’t mean stocks must fall. Several bull markets had plenty of life left even when the P/E ratio topped 20. You don’t have to go back far to find an example. The S&P 500’s P/E ratio has been above 20 since the end of the fourth quarter of 2015. But since then, stocks have added more than 10% as investors priced in better corporate profit growth. Even in the third quarter of 1992, the market might have seemed richly priced with a P/E of 21. But that was just the beginning of a major bull run that propelled stocks 157% higher, including dividends, in the following five years.

2. P/E ratios must be put into context.

When interest rates are low and the economy is healthy, investors can justify paying higher valuations for stocks, according to Spence. Companies’ future earnings are more valuable when rates are low. There’s little evidence rates are about to move higher soon, given the aggressive moves the U.S. central bank undertook to buy Treasuries, he says.

3. Companies can “grow into” valuations.

Market prices are only one part of the math that determines stock valuations. Corporate profits are the other. If earnings growth resumes, as Spence expects it will in 2017, stocks can justify their current valuations and then some. S&P 500 companies could boost their operating earnings per share this year by 13%, he forecasts. At current prices, if earnings grew 13% in 2017, stocks would be trading at 18.6 times trailing earnings.

4. Economic tailwinds can make stocks more valuable.

Higher valuations can be justified by a number of factors. Economic activity in the U.S., for instance, is improving. Risks of economic distress are low and the new presidential administration is promising stimulative fiscal spending on infrastructure projects, not to mention tax cuts.

But perhaps most importantly, the Federal Reserve has been slow to increase interest rates while other central banks around the world are still working to keep their interest rates low to stoke economies. Low bond rates translate into higher P/E ratios when the economy is healthy, Spence says.

There are risks. A sharp rise in interest rates could change the math and make stocks suddenly look more expensive. A change in direction by the world’s central banks to take away the monetary stimulus could also make stocks more pricey. A strong U.S. dollar could also hurt U.S. companies’ exports.

So despite valuations that would appear stretched, there’s still opportunity in the market. Investors might have to just mute their expectations. What’s reasonable? Add the economy’s hypothetical growth of 2.5% to the expected inflation rate of 2.5% and the S&P 500’s dividend yield of 2%, and that could correspond to a 7% expected total return for U.S. stocks.

“Is the P/E ratio a perfect indicator of the future? The answer is no,” Spence says.  “But higher valuations still appear sustainable.”

Galveston Financial Capital: Success Stories

GCSBDC Helps Make Local Take-Out Delivery A Possibility

Anthony Vela, CEO of Space City Takeout, LLC located in the Clear Lake area started his business in April 2012. A popular business industry on the West Coast, his idea has taken off very well. Space City Takeout provides meal delivery from local restaurants to hotels, businesses, and residential customers. He has expanded his catering services to local corporations in the area. His company is continually adding more restaurants providing more variety for his customers.  His residential customers say, “Space City Takeout is a fantastic service for after you get home from work and just don't want to drive anymore. Their prompt courteous drivers are a great alternative. Give them a try and I am sure you will be hooked like us.”

Mr. Vela started his company with his own capital and has grown very rapidly for the last two years with a profit so far for 2014, largely due to his keen sense of business and a determination to succeed. The company has a growth of 706% from 2012 to 2013.  As of 2013 to 2014, it is currently about a 200% growth rate. The residential database was 274 people in 2012, 1754 in 2013 and 2955 as of today. His company works with 18 restaurants and services 28 Hotels and approximately 200 businesses. Vela says, “Restaurants that partner with Space City Takeout benefit by receiving incremental sales that positively affect their bottom lines.  It is simple takeout orders for the restaurants. These sales are generated through Space City Takeout's marketing utilizing a variety of print and digital methods targeting busy professionals who have a need to have their food delivered. The marketing methods used to generate sales to restaurants include targeted mailed menu guides, postcards, SEO/SEM, social media and newspaper inserts etc..."

Due to his rapid growth, he has recently obtained his first business loan for working capital to assist with expansion. He has gone from 5 employees to 13 at this time and continues to grow.

When Anthony first became a client of Galveston County Small Business Development Center in Texas City his successful business was only in the “idea stage”.  The SBDC has helped him since conception to prepare a business plan, set up QuickBooks for his bookkeeping records, offer him management guidance, marketing, strategic planning advice, and assistance with the search for and request funding for growth. Anthony knows the SBDC Business Advisors are here for him every step of the way in his business. 

GCSBDC Assists Local Business Woman in New Venture

Janice Weatherspoon has worked with the GCSBDC since the start of her business when the GCSBDC assisted her in getting a business loan to start her day care business with 6 employees.   She has continued to work with the GCSBDC to acquire the business management skills she needed to continue in business and to create 19 new jobs.

Janice being the entrepreneur that she is decided that the vacant space next to her daycare was the perfect place for her new venture. Janice opened A Brighter Day Arts & Event Center in 2014. The event center boasts private meeting rooms, full kitchen, state-of-the art sound system, dance floor and much more.

Janice knew that the GCSBDC was with her every step of the way. From utilizing Quickbooks to obtaining loans Janice knew that the GCSBDC would help her to get where she wanted to go. 

Careconnect Health Insurance Group Review: How Much Water Do You Really Need?

Google “how much water should I drink each day,” and you get upwards of six million hits -- half of them, probably, telling you to drink eight 8-ounce glasses every day and the other half telling you to ignore that advice. Here’s the good news: Most healthy people drink enough water and other liquids by simply responding to their thirst (which is the first sign of dehydration), says Nancy Copperman, RD, assistant vice president of public health and community partnerships for Northwell Health. Still, Copperman says, people do make a number of common mistakes when it comes to staying hydrated in the heat. Here are her rules for healthy summer drinking:

1. Eight isn’t enough.

The eight-by-eight rule (eight 8-ounce glasses of water daily) may be easy to remember, but the current recommendations for daily fluid intake from the Institute of Medicine are actually even higher: about 13 cups a day for men and 9 cups a day for women. That may sound like a lot, but it becomes less daunting if you spread your liquid refreshment throughout the day -- definitely the best way to do it, says Copperman.

2. Your needs change with the weather (and your altitude…and other factors).

Think of the IOM recommendation as a baseline, but know that you may need to drink extra if you’re exercising, or if you’re in a hot or humid environment. Women who are pregnant or breastfeeding should also get additional fluids, as should anyone at a high altitude. “If you live on Long Island and you’re vacationing in the mountains, you should drink more than you normally would,” says Copperman.

3. Tea and coffee count toward your total...

“We used to think that coffee and tea were dehydrating because caffeine is a diuretic,” says Copperman, “but studies have found it really doesn’t have a major effect.” So it’s fine to drink coffee and tea as part of your daily fluid intake. Just make sure you’re not only drinking caffeinated beverages throughout the day, because that can cause other health issues. And limit milk and sugar, which add calories.

4. …but steer clear of soda.

Yes, soda is a tasty way to rehydrate – but it’s a major source of empty calories. What’s more, studies have shown that a habit of drinking soda or other sweetened beverages raises your risk of diabetes. If you’re engaging in strenuous activity for more than 30 minutes, a sports drink containing electrolytes and a modest amount of sugar can be helpful. In general, though, your best defense against dehydration is water.

5. Tired of drinking? Try eating your water.

Watermelon is about 92% water, according to the Physicians Committee for Responsible Medicine – and cucumber has it beat at 97% water. Even fruits and veggies that are less obviously water-logged, like cauliflower and spinach, can be good sources of H2O. So are liquid-based foods like soups, puddings, and popsicles. Want to get your fluid the trendy way? Coconuts are a hydration gem, says Copperman. She recommends plain coconut water (with no sugar added). Not only does it contain electrolytes like potassium, it has a naturally sweet taste. To your health!