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The Mismanagement of Berkshire Hathaway

Berkshire Hathaway, based in Omaha, Nebraska, is a multinational holding company. It is under the expert leadership and guidance of Chief Executive Officer and Chairman Warren Buffet. Buffet is a financial icon who, by 1996, managed to amass a $30 billion investment portfolio for his company. He owns various businesses which include GEICO, Fruit of the Loom, and Dairy Queen, It also has minority holdings in the Heinz Kraft Company, American Express, Wells Fargo and Coca Cola.

On March 9, 2018 Porter Stansberry of Stansberry Research wrote an article called “The Massive, Hidden Problem at Berkshire Hathaway.” In this article, he made a few controversial accusations against Warren Buffet and his management of his company. He states that Berkshire Hathaway has made a series of investments that are “disastrous” and that this information is being hidden away from the company’s shareholders. He is deeply concerned that the company is being “badly mismanaged (”

It is Porter’s opinion that Warren Buffet took a dramatic departure from investing in and buying companies that were efficient with their capital and instead moved into the banking sector, see also related articles of Stansberry Research. Buffet invested more than $20 million dollars buying the stock of four banks. These financial institutions include Bank of America, Bank of New York, Wells Fargo, and U.S. Bancorp. These companies have produced marginal returns at best.

Porter also mentions that Buffet has invested a major amount of capital into utility companies that have been highly regulated since 2003. These two companies, Berkshire Hathaway Energy and the Burlington Northern Santa Fe railroad will probably be two investments that will require more capital to operate in the future. Based on Stansberry Research, Porter explains that 44% of Berkshire Hathaway’s after tax earnings was invested into these two utilizes last year. He questions this financial strategy and predicts that Berkshire Hathaway’s capital stream will dwindle in the near future. He stresses that these utilities will soon start generating serious debt for Berkshire Hathaway.


The GreenSky Credit’s Success Story

This is a financial technology company that is situated in the United States of America. It’s located in Atlanta, Georgia. Its co-founder is David Zalik. Zalik is still the current CEO of the GreenSky Credit. The company offers home improvement loans that range up to $65,000. The loans that are provided are via a network of bank partners and contractors. GreenSky Credit takes all the risks involved. Most customers don’t pay any interest due to the zero-promotional periods that mostly last between 6 to 60 months. Recently, the company started offering loans and financing to dentists, doctors and veterinary professionals. In latest valuations, GreenSky credit has offered over $8 billion, and now they are targeting $1 trillion. David Zalik, founded the company when he was still very young. He argues that all young entrepreneurs should know what they want to set up by the time they are 20 years of age.

An entrepreneur can’t fit in all roles. Instead, one should identify own strengths and weaknesses. What you can’t accomplish alone it’s advisable to hire talent to help you achieve the objective. When an entrepreneur approaches 30 years of age, they should have the confidence to approach and face all the challenges without hesitating. Grab all the opportunities that you come across and utilize them to take you to the next level of your career. Zalik was courageous enough to start up GreenSky Credit without knowing whether the company would be successful.

Zalik was open to ideas. He tested them one by one. Most of them failed but some prospered. He insisted that it’s crucial for an entrepreneur to find own passion. However, recognising ones passion is a journey that involves taking a step by step. The moment you understand your passion, that’s the first step that you make in venturing into your career. Zalik says that most people don’t know what to do. It’s not bad; it’s acceptable. If you don’t have a passion for anything, you have another option of finding an industry that fascinates you. After identifying the sector, work towards it. Take your time and learn everything about it. Don’t hesitate to learn as much as you can. This is crucial because knowledge is power.

Perry Mandera and His Military-level Leadership Without Mental Distortions

There’s a lot of cognitive distortions today that make it hard for us to understand, perceive or take account of the things we see, do or act on. These distortions make it hard for people to relate to their co-workers. These distortions are also a general cause of anxiety for people not equipped to deal with difficult personalities. Fortunately, you don’t need any mental distortion to understand or appreciate the success of Perry Mandera, the owner and founder of Custom Co. Inc.


The Man Without Distortion

As the CEO and Founder of The Custom Companies, Perry Mandera is wrought with all the possible business challenges you can think. Although it may be true that dealing with these challenges can be gratifying, these are challenges that could also put Perry Mandera to ruin. These are challenges that if he’s not careful, would bring him down. These are challenges that would test his limits and would test how much he can stand to fight them without any ethical violations or distortion.

A man who is virtuous requires no distortion, and in handling the operations of Custom Companies, Perry Mandera seems to understand that. In managing the different emotions of his workforce, he makes sure that he is balanced and doesn’t lose his composure. In relating to his colleagues, he makes sure that he presents facts without distortion, without malice and without sugarcoating. This kind of discipline and honesty may have come from the fact that Perry Mandera’s background is in the Marines. Yes, you read it right. The man in business has been in business because of his strong dedication to military public service (Crunchbase).

The military discipline he got is also what’s driving him to create solutions for businesses that would stand the test of time. In contrast with other companies and leaders, the offers of Perry Mandera stand out because he understands how it is to put one’s neck on the line by working in the military. He understands the concept of skin in the game. He understands what it is to mean to put one’s name at the risk of being bankrupt because of inferior service.




David Giertz Provides Tips for Early Retirement

With a Masters in Business Administration from the University of Miami and a Bachelors of Science from Millikin University David Giertz has established himself as a successful financial advisor for over 30 years. As president of Nationwide Financial’s sales and distribution organization, his skills earned the company revenue that grew from $11 billion to $17.8 billion exceeding P & L targets. He is a certified business coach with WABC where he has received a world-class Gallup associate engagement score and certified over 100 leaders in business coaching. Before reaching these accolades he worked at Citigroup for ten years as a Financial Advisor, working his way up to Area Director and then Executive Vice President of Sales exceeding corporate goals.

Giertz believes he has the answers to early retirement and that he can help people reach their goals by providing specific rules to follow. He thinks retirement requires financial independence. He suggests saving as much as one can rather than keeping a certain amount of money because one never knows how much money they will need during retirement. The standard retirement plan suggests saving ten times your annual income by the age of 60 to retire at the age of 65 with 15 times your yearly salary. To retire at the age of 50 or 55, one must work even harder.

David Giertz says choosing a Roth IRA, 401 (k), or a 72t plan to avoid restrictions. Many accounts penalize for taking money out too soon which is something no one wants to encounter. David Giertz says an after-tax account is flexible as well, allowing you to buy currencies, bonds, and more. He also suggests putting money into a health savings account and considering the type of medical care you will have during retirement. Medicare is just not enough to cover all expenses so putting money aside is a smart move.

Giertz has found that many people do not consider their lifestyles when retiring which explains why many seniors have to go back to work as greeters and elevator attendants or even have to find roommates to cut down expenses. Giertz suggests finding ways to creatively maximize income and savings with investments and other work opportunities to avoid these situations.

Nick Vertucci, Power Through Self Belief

Nick Vertucci was not always the successful entrepreneurial real estate tycoon seen today in the world of finances and wealth creation, because he had to go through a lot of obstacles first to get to where he is today, as it is with all endeavors of the long term goals one sets for him or herself. He pushed and forced himself with an unwavering self belief that propelled him through and out of the roof tops of mediocrity and the average life.

He took the actions necessary to get to where he wanted to go through consistency and grit which enabled him to breakthrough the negativity in his head and his surrounding circumstances while also never quitting no matter what took place. When his father died when he was just a ten year old kid he never quit. When his family bent head over heels regularly for cash he never quit. When his dot com scheme and computer repair business failed he did not quit. During the ten years he invested into building up his real estate empire he never quit. Now in this day and age Nick Vertucci owns hundreds of real estate homes he leases to families while buying low and selling high to continue to compound his legacy.

He has been through so much, yet he has not let those circumstances define who he is because Nick Vertucci practices the subtle art of self belief. Him building himself up resulted in building a whole entire corporation of family housing plus the educational programs to those who are smart enough to follow in this inspiring man’s footsteps. He teaches a few principles for the ones who do enroll in his expert level and top of the line study classes for the unbreakable mindset that will literally transform the thought patterns of the investor.

Nick Vertucci summarizes the overall theme by reviewing a few topics that contribute to his work. The first one is vision which allows the active investors to know what they want. The second lesson Nick Vertucci teaches contains the actual practice of the faith which carries the investor to greater things. Thirdly is the plan and the details that go in between the present situation and the end result. Lastly is the actions required to realize ones destiny and fullest potential.

Rodrigo Terpins: Creating the Bull Sertoes Rally Team

Rodrigo Terpins is a competent rally driver who has a record of joining local and international racing events. He is one of the most popular rally drivers in the country, and he has contributed a lot to the popularity of the sport. One of the most significant events attended by rally drivers in Brazil is the Sertoes Rally, and Rodrigo Terpins is an active participant of the event for several years now. Many people from all around the world are traveling to Brazil just to witness the event, and some racers from other countries are joining the Sertoes Rally to prove others that they are the best. For more details you can checkout




At the Sertoes Rally, racers are given the right to build their own teams who would be racing together to win. In 2015, Rodrigo Terpins decided to create the Bull Sertoes Rally Team, his very own team who would join races and other activities at the Sertoes Rally. The first members of his team were Michel Terpins – his younger brother who is also into rally driving, and two other friends who have shown the enthusiasts with the sport. The Bull Sertoes Rally Team has been known for their excellent performance during the season of the Sertoes Rally. Since their formation in 2015, fans of the sport are expecting to see them in subsequent events. You can visit for more info.




During the 25th edition of the Sertoes Rally, Rodrigo Terpins has asked his younger brother, Michel Terpins, to represent the Bull Sertoes Rally Team. He was given the T-Rex, a T1 Prototype, and it was equipped with a V8 engine so that it could survive the harsh terrain where the race will be held. For this year’s event, the race will take place in mid-western Brazil, and the racers would have to endure more than 2,600 kilometers of dusty and treacherous terrain. Rodrigo Terpins has given his all-out support to his younger brother, and wished him success. There will be about 200 other individuals who would be participating in this year’s event, and all of them wanted to take the championship recognition back home. It will be a great challenge for the Terpins Brothers to win, but they will do everything that they can to end up victorious.



Jason Hope Is Offering Assistance To Those Who Seek Anti Aging Help

Modern society presents all of us with a series of tough decisions to make. As soon as we have made one, another seems to present itself. These issues are difficult to overcome and when they arise, it can often seem as if we have no recourse at all.

With the help of a special philanthropist by the name of Jason Hope, these issues can now addressed. Jason Hope is looking to provide help to those who are in need of a brighter outlook when they are diagnosed with certain conditions. Diseases take place more commonly as people get older and this is something that he wishes to provide assistance with.

When older patients are diagnosed with certain conditions, their outlook can be grim. Jason Hope does not believe that certain diagnoses have to become a death sentence, though. In his mind, there are ways to slow down the aging process so that patients do not have to worry as much as they have in the past.

Best of all, he is using his own funds to do so. He wishes to assist a variety of organizations around the world so that they are able to treat diseases in a manner that allows for a greater recovery rate. Jason Hope has been working with the SENS Foundation for many years now and has donated hundreds of thousands of dollars to ensure public access to the proper technology.

This foundation dedicates itself to finding out more about the ways that biotechnology can be used to assist in the healing process. SENS is also working tirelessly to remove all of the stigmas that are associated with the aging process so that public opinion can be changed for the better.

Jason Hope’s financial contributions are not the sole extent of his involvement in this initiative. He is also taking the time to speak out publicly about the changes that SENS can provide within the medical community. The money that he has donated is going to help SENS immensely and allow them to develop a remedy for patients who experience unwanted cell bondage.

There are even some who believe that these advances could lead to a significant lengthening of the average human life span. With the medications that he is spending money to develop, we may one day be able to live for 1,000 years. If nothing else, the aging process will no longer be fraught with the same sort of difficulties.

Contact Jason Hope:

Elysium Health Provides News on New Cellular Health Drug

Elysium Health is a consumer health company that was co-founded in 2014 by Dr. Leonard Guarente. Dr. Guarente, in addition to his responsibilities at the company, serves as the director of the Paul F. Glenn Center for Biology of Aging Research at MIT. The goal of the company is to translate advances in science and technology into clinically-validated health products that work.

Elysium Health makes a daily supplement called Basis, which is based on 25 years of aging research. Basis is designed to support cellular well-being, and isis proven to increase and sustain  levels of NAD+ in our bodies. NAD+ is a coenzyme that is essential to creation of energy, maintenance of DNA, and regulation of circadian rhythms, as well as hundreds of other cellular functions. NAD+ declines in levels as we age, and those functions break down.

To make sure that Basis works as advertised, Elysium Health put the supplement through a clinical trial in 2016. The study divided 120 people into three equal groups. Group one received the recommended daily dose of Basis, group two double the recommended dose, while group three received a placebo. The recommended daily dose of Basis is two capsules. The results of the study, which were published in the online science journal npj: Aging and Mechanisms of Disease, proved that Basis increases and sustains NAD+ levels in humans by an average of 40 percent. The clinical trial was double-blind and randomized in order to ensure the most accurate results.

You can purchase Basis from Elysium Health directly. Just go to their website to check out the various subscription plans that you have to choose from. Their most popular plan is the six-month plan for a price of $270, or $45 per month. You can also purchase a one-year plan for $480, or $40 per month. That is a discount compared to the month-to-month price of $50. Therefore, you can have the amount of Basis that you need while also snagging a little discount for yourself along the way.

“Glen Wakeman, The Best Of The Best”

How many people can say they are an entrepreneur, business executive, writer, investor, and mentor? These are standalone positions, but for a person to hold all these titles is amazing. Glen Wakeman, CEO and co-founder of LaunchPad Holdings, has held every one of these positions boldly. Through hard work and determination, Glen Wakeman has done the unthinkable time and time again making a name for himself while increasing his value every step of the way.

Glen Wakeman is a highly successful Financial Services Executive, Public Company CEO, Board Member, Small Business Owner, Executive Mentor, and Investor. He has a 21-year management background at GE in business development and P&L roles ( Mr. Wakeman’s educational background consists of an undergraduate degree in Economics and Finance and an MBA at the University of Chicago. When he graduated from the University of Chicago he found his niche in P & L while working for GE Capital. Glen Wakeman’s philosophy of problem solving caused him to be able to increase his role at GE Money Latin America as its CEO.

One of Glen Wakeman’s interests involved him resurrecting dead businesses. Not only did he write articles about it, but he also put action to the words and resurrected DFC located in Puerto Rico. DFC was an ineffective, non-compliant bank holding company, but Mr. Wakeman turned it into a $2.7 billion independent US operation “streamlined community bank”. The outcome of Mr. Wakeman’s putting action to his words was him being recognized nationally as an entrepreneur and mentor. He also received awards on a local, national, and international level. Other companies have gathered success through the guidance of Glen Wakeman.

Glen Wakeman stands behind the ideas of the importance of curiosity, knowledge of global markets, and making the most of ideas. These ideas are the only way of achieving long-term success according to Mr. Wakeman. Once you get these basics down and understand them you can move on to bringing your business ideas to life. One cannot forget, however; you cannot bring your business to life if you do not have the money to match the ideas. Mr. Wakeman found this to be one of the main causes of failed start-ups. The response to this was the creation of his successful company, Launchpad Holdings. The company uses a simple software platform that adheres to just about any budget. You then use the software to build your company.


Dr. Mark Mckenna: OVME is the Uber of Cosmetic Procedures

In his career, Dr. Mark Mckenna has accomplished big things in both real estate and medicine. His most recent business venture appears to be in line to be another great investment by the entrepreneur. While he may be a doctor with an impressive education from Tulane University’s School of Medicine, he has found that his true passion is for the business world and being an entrepreneur.

Dr. Mark Mckenna’s newest cosmetic procedure company is known as OVME. While they currently only have one location at the moment they are planning to expand to different cities across the United States. Their flagship location was opened in March in the city of Atlanta Georgia and has quickly gained popularity and the recognition of being one of the best non-invasive aesthetic procedure centers in the city. While there is certainly a lot of competition in the area, Dr. Mark Mckenna is striving to be the best by truly focusing on the needs of each patient individually to create a luxurious experience.

Not only does OVME have their brick and mortar location at 3167 Peachtree Rd in Buckhead, their licensed medical practitioners also make house calls to their patients if requested. OVME has big plans to be considered the Uber of their industry. This will be achieved through a state of the art application that will connect the patients directly to OVME free-lance physicians. This interface will make scheduling a convenient cosmetic procedure as easy as hailing an Uber with a phone.

Dr. Mark Mckenna is also giving back to the community through the success of his company OVME. The Make-A-Wish Foundation will be receiving part of the proceeds directly from OVME. This non-profit organization works to give young children who are experiencing illnesses that threaten their lives a chance to have their “wish” granted. With the help of donors like Dr. Mark Mckenna, the Make-A-Wish Foundation grants a child’s wish approximately every 34 minutes. Each child’s wish is different and can include anything from meeting their favorite stars to an all-inclusive trip to the Disney Land.