In recent decades, technology has radically changed how the average consumer performs a transaction. Cash was once the dominant method, but credit cards soon took over. However, even that is falling out in favor of a new form of contactless payments. Recently the British Retail Consortium reported on the increased growth of credit card transactions in the United Kingdom. While at the same time, PSI-Pay and Kerv Wearables are on the verge of reforming the industry. A recent article on the website Hi-Tech Chronicle discusses what may be on the horizon.
Starting from the top, a contactless payment is a cashless transactions. This is often in the form of a credit card or smartphone app. However, PSI-Pay wants the transaction to be as simple as swiping a ring. They have teamed up with Kerv Wearables to make comfortable rings for all shapes and sizes. There is already precedence on the market for this type of technology. PSI Pay reported its most successful year to date in 2015. While third party services such as Paypal, Google Wallet, and Android Pay have caught on with the younger generation.
It is critical to remember that new technology comes with new security threats and protocols. Users are limited on the amount of money they can spend at once. Kerv rings boast having extensive tracking capabilities. The ring can also be turned off and on. PSI-Pay is regulated by Financial Conduct Authority, and in 2009 they added MasterCard to the network. That gave consumers in the EU access to a whole new payment company to use.
There is little doubt the transaction process will become increasingly simplified as technology advances. PSI-Pay and Kerv Wearables have made a bold bet on the future, and it shows strong signals of paying off. Despite security risks, and limited use opportunities, the swiftness of spending money and expanding options for consumers is too good to pass up.
A doctor and an entrepreneur combined into one person may sound strange to some; however, Dr. Mark McKenna realized while he was still in medical school that in order to live the lifestyle that he craved, that he would have to do something in addition to working as a doctor. What McKenna has built with his talents has been a life changer for him.
Dr. Mark McKenna earned his medical degree from Tulane Medical School. He was following in his father’s footsteps, but while in college he realized that due to the way that insurance companies were changing reimbursements, that the income of doctors was actually in decline. So, while he was still in medical school, he started to acquire real estate property and was able to quickly build a successful real estate business in New Orleans. After Hurricane Katrina hit, Dr. Mark McKenna did sustain losses, but he was able to rebuild the company and sell it for profit. At that point, McKenna decided it was time to combine his medical expertise with his business sense to create ShapeMed. ShapeMed was a set of offices that were created for customer to go and receive cosmetic procedures at. This business was very successful and McKenna was able to sell the company to a gym chain for 4.4 million. This left him a nice profit and he has put that toward his current entrepreneur venture known as OVME.
OVME is being created on a similar thought process as ShapeMed in that it is still a business in which people will be able to seek out cosmetic procedures. The difference with OVME though will be the app that Dr. Mark McKenna is also designing to accompany the actual offices. The app will allow individuals that want to have cosmetic procedures to contact practitioners that will actually travel to their home to complete procedures such as laser hair removal and Botox. By creating such an app, McKenna is allowing people to change their appearance in the ways that they desire, without ever leaving the privacy of their homes and that is just genius with the privacy that people crave today.
Gluteal augmentation is a plastic surgery operation which has proved to be very hard on the medical practitioner in the industry. In most cases, whenever, you get to hear it in the news, it is because something went wrong with a particular surgery. Many problems come from medical accidents or accidents. The plastic surgery industry has been full of demoralizing news on numerous operations which have gone wrong. However, even though the past seems to be bad, there is a new surgeon in town who is changing things from the way we knew them. This is none other than Dr. Mark Mofid of San Diego and La Jolla.
Dr. Mark Mofid is a leading professional in the cosmetic medical industry because of a number of things. One of them is because of the training he received as a medical practitioner. He was at the Harvard University and the John Hopkins School of Medicine. His expertise in the cosmetic industry is therefore not something that can be dismissed. Whenever he talks about anything about the industry, he is doing so because he knows what it is. Dr. Mofid has gone beyond the education and training. He is currently one of the industry innovators. He is using his brilliance in the industry to create new methods of plastic surgeries.
Dr. Mark Mofid is an industry innovator who is behind current innovations in the treatment of gluteal augmentation. He has created an implant that solves all the problems that were created by other implants. The new implant gives the desired results depending on the body of the client.
Dr. Mark Mofid emphasizes the health of the patient first before anything else. He has a stellar reputation which has resulted from the manner in which he treats his clients. He ensures that the implant that he is about to administer is compatible with the human body and is of the right size. The main challenge that has been witnessed with the other implants is that they were incompatible with the human body and the results were overhanging muscles. Dr. Mark Mofid is in the industry to cushion patients from the adverse effects of being administered with the wrong implant.
Just recently, the media introduced something new. They are called “Freedom Checks,” and you might have heard of them. In one ad, Matt Badialiis featured holding a large check for $114,287. It looks exactly like the check you get from the government for your tax refund.
Many viewers of these ads have probably immediately written them off as a scam, a too-good-to-be-true pipe dream, or a get-rich-quick scheme that only works for the tiniest percent of those that try to gain from it. Part of that instinct is due to the nature of the ads, which can sometimes come across as sensational and over-excited about the concept. The government writing individual citizens a check for no reason at all? That doesn’t seem possible.
But much of the confusion and writing-off of these ‘freedom checks’ comes from the fact that they’re not very well understood. It also might not help that most people have no idea who Matt Badiali is or why he’s talking about these ‘freedom checks’ in the first place. What makes him qualified to suggest this opportunity? And how is the average person supposed to know if this opportunity is even legitimate?
Let’s take a look at Badiali, freedom checks, and the investing principles behind them to find out whether they’re for real or too good to be true.
Matt Badiali is a financial analyst, and his background in geologyputs him ahead of all of the others. He attended Penn State University where he studied Earth Sciences and earned a Bachelor of Science degree. Then, Matt moved on to Florida Atlantic University where he received his Master of Science in Geology. His work has taken him all over the world where he has personally inspected the mines and wells of Switzerland, Turkey, Haiti, Singapore, Hong Kong, Iraq and Papua New Guinea as well as many others. His training as a geologist helped him to interrogate CEOs in a knowledgeable manner. So, he always learned the truth about an investment directly from the source.
This check isn’t really from the government. It is a private check, but we will discuss that later.
What’s going on here is something that you may have come in contact with before. The intention is to make it seem as if you can raise your hand, and someone will come and hand you a ton of cash. That’s what you think until you start to learn the details, and by the time that happens, you aren’t interested anymore.
Maybe you were one of the unfortunate ones who immediately got your credit card so that you could buy whatever it was that was being sold. In this instance, we are talking about “U.S. Freedom Checks,” and they are using the same script to convince you that you need to get in on this. As a matter of fact, it is the same script that was used to hook people into “Patriot Checks” that Lifetime Income Report advertised last year and continues to promote. You can relax because“Freedom Checks”is something entirely different.
The one thing that makes “Freedom Checks” different from all the other scams is that this one is an “investment.” A clue comes from the fact that “Freedom Checks” were introduced in an investment newsletter. They are promising that you can receive a ton of cash from something that they want to sell you. No one is giving away money.
If you’re still there, we can explore this a little further. We are going to see exactly what it is that Matt Badiali is promoting with his “Freedom Checks.”
After the stock market crash in 2008, Matt Badiali embarked on an ambitious venture. He purchased stock in Kaminak Gold Corp., but his friends and family didn’t believe that this was a wise decision. The stock market was still going down at the time, but Matt Badiali’s stock was going up. He purchased the stock on December 5, 2008 at the price of $0.06 and sold it on August 26, 2010 for $2.64. This meant that he realized a gain of 4,400 percent!
First, let’s examine the ad for this product:
“See this check…this one right here written out for $114,287? I call it a ‘freedom check.’ Imagine this check being yours. All you have to do is sign it and cash it…It’s no wonder Reuter’s reports that freedom checks are ‘delivering a windfall’ and that Motley Fool says the ‘cash payouts are sky-high.’ Barron’s reports…‘it’s time to take a look.’ Forbes gives them a …‘bullish case.’ And Seeking Alpha saysFreedom Checks are a…‘hidden gem.’”
This ad seems to have everything that a financial ad needs. It suggests that a huge chunk of money is on its way to your doorstep, and it also gives you some quotes from highly reputable people. This makes it look like this is the real deal.
Ads such as these are always written as if you must jump in RIGHT NOW! The purpose of this is to keep you from thinking about your decision too much. The copywriters know that if you take enough time to consider what is being offered, you are likely to leave it on the table.
The reality is that this type of investment is a commitment. You must be prepared to make repeated investments in order to receive a payout at a future date, so these types of investments always deserve more thought than these ads are willing to give you.
Another financial expert hired Mr. Badiali to perform some research for him. Because of this relationship, this financial expert was able to significantly increase revenue to his firm because of Matt Badiali’s recommendations. He distinguished himself as superior to all of the hedge fund managers and mutual fund managers that the company had working for it at the time.
Matt Badiali has stated, “It’s a secret program presidents from both sides of the aisle have been working on over the last 40 years…from Nixon, Reagan, Bush and Clinton all the way to Obama and even Trump – making this what many insiders have called the ‘last truly bipartisan policy.’”
An MLP is a business partnership that functions in the role of a publicly traded limited partnership. This means that you can obtain the tax-related advantages of a partnership, including the fact that your profits will only be taxed once profits are received by your investors. But it also means that an MLP can enjoy the fluid nature and high liquidity of a company that has gone public.
There are essentially two types of MLP, those that involve limited partners who purchase MLP shares and provide the initial capital, and general partners who are responsible for operating the MLP on an ongoing, daily basis.
These partnerships are traded nationally, offering truly dramatic tax benefits for general partners and limited partners alike. Meanwhile, MLPs also help enhance cash flow because they distribute all available assets to investors. This can help reduce capital costs for many businesses that are highly centered around capital. This might include the energy sector or oil industry businesses alike, and many others to boot.
MLPs are nothing new—they’ve been in use since way back in 1981. At that time they were less regulated than they are now, but they’ve continued to bring about the same powerful benefits as before. In 1987 Congress enacted a statute known as 26-F. While this didn’t make much of a splash at the time, there are now over 550 companies who meet the requirements for Statute 26-F and can legally offer freedom checks at any time.
But what are the limitations on freedom checks? There are essentially two primary regulations. First, 90% of the revenue that powers freedom checks must come in the form of storage, transportation, processing or production of oil or gas in America. Secondly, the companies must agree to pay out these checks on an annual basis.
So why are so many websites and individuals claiming these checks are a scam? It’s simply because they misunderstand exactly how freedom checks work, thinking they’re some puffed-up get-rich-quick scheme designed to lure people in. The truth is, they’re not a government program in the way that many advertisements market them to be. The government isn’t handing out checks to individuals or companies all over the country.
And that’s a good thing, because a freedom check can easily dwarf a Social Security monthly payment by as much as three or four times. Even better, because the payments are considered by the government to be ‘return of capital,’ that means that they’re not subjected to income tax and as a result allow for much higher returns than otherwise possible.
These special MLP investments known as freedom checks also allow investors to bypass the need to open a special account or anything similar to begin benefiting. It’s as easy as buying a share of any other stock, and you can even get your distribution check through the mail or simply have it deposited directly into whatever account you use to invest.
Yet another benefit of MLPs and freedom check is that they can be traded for as little as $10 or less. That means that anyone can get involved and begin seeing returns, not just those with a massive portfolio and loads of capital to invest.
MLPs are traded publicly on the stock market, and they are exempt from paying federal income taxes if they “pass through” their profits to their shareholders. Therefore, these investments are income-focused, and shareholders usually receive high distribution yields. This means that a trader of MLPs is a lot like someone who trades dividend-paying stocks.
With MLPs, you purchase shares, and in return, you receive payments that you can either deposit or reinvest in additional shares. These quarterly payments tend to increase as time goes by, and the shares rise as well.
First, Mr. Badiali ensures that the company has “In-Demand” assets in the amount of $1 billion or more, and these assets must be liquid. The raw materials that the company controls or owns must be in high demand and must also be worth billions of dollars. Second, the company must distribute payments to shareholders on a consistent basis and/or the payments need to increase consistently. Third, the company has to be able to prove that its shareholders are growing wealthy because of their investments in the company. The last thing Mr. Badiali does is examine a company’s financial statements to ensure that they are financially healthy.
But who is Matt Badiali, and why is his advice worth listening to about this seemingly too-good-to-be-true opportunity? His background might surprise you if you’re expecting someone born and raised in the world of finance and investing. But Badiali’s unique background brings him a perspective that can’t be matched in the world of investments and unique earning opportunities. So what informs his unorthodox approach?
Badiali has spent over twenty years studying and working within the natural resources industry. He’s been consulted on dozens of occasions as an expert when it comes to the varying industries including energy, agriculture, and mining. He’s also done everything from working hands-on with large drilling rigs to exploring mine shafts and managing oil wells which he owns. He’s managed to turn all of these investments and opportunities into profitable investments both in the short- and long-term view.
Badiali has spent time all over the globe, traveling from Singapore to Hong Kong, the remote reaches of Papua New Guinea to areas as remote as the Yukon and the Mexican desert. This approach to getting his hands dirty and being involved first-hand has given Badiali an understanding of investing that comes from real-world experience. He recognizes that the only way to develop a true knowledge of financial success, or anything for that matter, is to be involved at the ground level. He advises his clients to “go see for yourself” whether your investment is safe and secure, and whether it will lead to worthwhile dividends down the road.
Matt Badiali has traveled the globe – from Singapore to Hong Kong to areas as remote as the Yukon and the Mexican desert.
He also stresses the importance of staying up-to-date with the most recent, groundbreaking opportunities in investing. That’s why he’s constantly going out and meeting with CEOs, master investors and experts on everything from stocks to precious metals. It’s all for the sake of developing a clear picture of what the future holds, and what opportunities might lie there.
Badiali has a long list of accolades that include speaking with business luminaries including Ross Beaty, T. Boone Pickens and Rick Rule. He’s also taught at both Duke University and the University of North Carolina.
Despite all of his success in business and the world of geology, Badiali has another passion. One that drives him beyond all the others. Badiali describes his true passion as, “tracking down rare and profitable investment opportunities for my readers.”
It’s this passion that led Badiali to spend eleven years writing about and researching incredibly profitable yet under-valued investment opportunities that might not yet have caught the eye of the public at large. It’s also the reason he’s spent eleven years writing and researching these investments for other publishers, helping to spread the world about these opportunities.
This is how Badiali has been able to make some truly eye-popping investments that have paid massive dividends. They include an investment in 2008 into a mining stock then valued at $0.06. But even as the stock market plummeted two years later, Badiali was able to sell his investment at $2.64 for a total gain of 4,400%.
Investing in opportunities that others might undervalue or even think are worthless is what has brought Badiali his success, and it’s what has led him to the opportunities behind freedom checks. Far from the get-rich-quick schemes that they’re often presented as, freedom checks are simply MLPs that bring about significant rewards for long-term investments over time.
As a matter of fact, over $34.6 billion in freedom checks have been paid thanks to the most recent tax plan, resulting in massive earnings for a wide range of people from all walks of life. Again, these are not free checks being handed out by the government. Rather, they’re high-yield investments that require some level of commitment to obtain.
So that’s why those over-the-top ads you’ve been seeing might be a bit overexaggerated– but shouldn’t be ignored. In their own way, they might be the first introduction you have to an investment opportunity that can have three or four times the yield as your social security checks, without any tax obligations.
The key is to do research for yourself and begin your investment journey with a firm foundation of understanding about how exactly MLPs work, how they can provide opportunities to receive ‘freedom checks’, and how you can begin your investment regardless of your financial situation. Remember—just because something is exaggerated, or marketed with over-the-top tactics, doesn’t mean that it can’t provide you an opportunity to change your life in both the short-term and the future.
One of the crucial instruments to a surgeon is the catheter. This instrument has a number of functions which make it a versatile tool for any medical practitioner. It is even more important to surgeons while they are doing their surgical operations. A catheter is a flexible hollow tube that is used in surgical operations to release body fluids from the body, treating diseases and managing some conditions such as urinary incontinence. It is even used by surgeons to access other surgical instruments.
However, its functionality has been hampered by one thing, how it is placed inside the body. For a doctor to place the catheter in the right position, they need to track its position within the body. Traditionally, surgeons have been using the X-ray scan to check its position. However, this method exposes the patient to too much x-rays which is not good for the body. The other option that has been used is the use of the MRI scanning machine. However, these machines are too bulky to be moved to the surgical room.
Dr. Saad Saad provided the solution on how to track the position of the catheter inside the body. Dr. Saad has created a tool that will not need scanning in order to track the position of the catheter. The new device will just be placed on the body, and the actual position of the catheter will be known. The instrument will be very useful when dealing with emergency situations where the catheter has to be traced. It will also eliminate cases where doctors have turned to guide wires as a way of tracking the position of the catheter.
Dr. Saad Saad has gone ahead to create another device that will be used together with an endoscope. In the new device he has created, an endoscope will have a suction system that will be used to draw body fluids from areas that are under examination.
Who is Dr. Saad Saad?
Dr. Saad Saad was born in Palestine and raised up in Kuwait. He comes from a family made up of highly accomplished siblings who are also professionals in the medical industry as well as other fields of science. Saad holds a medical degree from Cairo University in Egypt.
Dr. Saad moved to the United States 45 years ago after serving in England as an intern. After moving to the United States, he sought his residency in surgery and pediatric surgery and was later approved by the medical board to practice as a pediatric surgeon. Dr. Saad lives in New Jersey. He is married and with four children.
Earlier this year, M2B Dental Solutions added a new video to their series, “We Are Dentistry,” which features the owner of El Campo Dentistry of Southeast Texas, Dr. Matthew Simmons. This installment focuses on Dr. Simmons’ life and family outside of the office, and how his whole life changed when he completed dental school and ten when he acquired his own dental practice.
Dr. Simmons likes to use his own personal experiences when helping first-time patients and those who may feel uncomfortable or nervous. He confides in the video that as a boy growing up he was painfully shy, thus he can relate very easily to those who come into his office and don’t feel comfortable right away. His patients are very important to him and putting them at ease, getting to know them as individuals, and providing the best quality care are his missions in his dental practice.
This video not only highlights Dr. Simmons’ dental career, but it introduces those who watch to the man Dr. Simmons is outside of the office; the family man who loves the outdoors and golfs regularly, the man who enjoys hosting dinners and neighborhood parties at the Simmons’ beautiful Victorian home with his wife.
The “We Are Dentistry” series was created by MB2 Dental to bring dentistry to a more personal level. The series does this by giving viewers a window into the daily life of the person underneath the white coat outside of their practice, including hobbies and even challenges they face.
Companies come, companies go, don’t let your company be the next to go. There’s a company that can make sure your company won’t be the next one:GoBuyside. GoBuyside has been firms stay alive since 2011, and in the seven years it has been around it has made a major impact in tbe Corporate World. Learn more about GoBuyside’s founder at Interview.net.
Many firms, particularly investment and hedge fund concerns, are coming to GoBuyside quickly because they realize what it takes to make your business work by hiring top corporate talent.
Your firm needs to acquaint itself to GoBuyside; in to do that sign up on its trusted website to become a registered member.
You will find that thus website has a lot of qualified investment professionals, who have many years of experience in the field of corporate investments, so they are amply qualified to address your issues. In fact, GoBuyside has a trusted staff who will be on hand to answer your questions and concerns. Follow GoBuyside on Twitter.com.
They will show you what to look for when considering top corporate talent; they have spent seven years helping firms to do that, so they evidently are very good in doing so. In fact, if you want to learn the extent that GoBuyside is helping companies to meet up to the challenges of looking for corporate talent, just go to dsilyforexreport.com and see for yourself how it is facing up to the challenges of recruiting top investment talent.
Yes, companies do come and go, but yours don’t have to be one of them, and if you have GoBuyside on your side, your firm won’t be, because when you come to GoBuyside, your job recruitment worries are over, because you’ve just made the best business move your company will ever make.
So, come on, what are you waiting for? Sign up on GoBuyside now and set up an account to get started on the path to financial stability and solvency, something that sadly many firms today lack. GoBuyside will make sure your firm will stay ahead, and more importantly, stay alive by hiring top talent.
New York-based Talkspace and Olympic gold medalist Michael Phelps are teaming up to tackle mental health head. According to AList, the Olympic champion has struggled with mental health issues in the past and is now joining forces with the online therapy company to get his message out via a nationally televised commercial. According to the article, Phelps hopes that this message will help people struggling with mental illnesses seek help. After dealing with such illnesses first hand, to the point where the Olympic swimmer contemplated suicide, Phelps wants anyone who may have similar struggles to seek help, stating how therapy saved his life.
At a time where mental health and illness is often at the forefront of the news, Talkspace hopes to offer a beacon of light to those suffering, acknowledging that anyone can suffer from such issues. Michael Phelps, for example, still suffers from mental health-related problems, but emphasizes that therapy is an enormous aid to those wanting to overcome these illnesses. A Boston.com article reveals how Phelps how someone opened up to him about their daughter’s mental health issues, and how she struggled to find reasons to live. However, this man also told Phelps that him opening up via this Talkspace ad helped her tremendously. Though it is fair to say that Phelps has achieved unbelievable success, he is still struggling with occasional bouts of anxiety and depression to this day, which he believes he will deal with for the rest of his life, though therapy has and will play a major role in combating those feelings. The 23-time gold medalist mentioned that in a day and age where suicide and school shooting numbers are both on the rise, that therapy, such as that offered by Talkspace, can help more than one can even begin to imagine. The ad, titled “Talkspace x Michael Phelps: How Therapy Saved His Life” can be seen on television nationwide as well as on the Talkspace YouTube channel.
Barbara Stokes is the founder and CEO of the Green Structure Homes (GSH) based in Alabama. The organization deals with the disaster relief construction of houses for victims of any given calamity. As the leader of the GSH, Barbara Stokes’ education and experience in the field qualifies her more in her work. She is a graduate of Mercer University where she completed in 2001 after studying for a degree in Biomedical Engineering and Physics. Again, while at the university, Barbara also did several other extra courses including Thermodynamics, Manufacturing and Management, Structures and Properties of Materials, and Technical Communication. Follow Barbara Stokes on Linkedin.com.
Further, Barbara stokes is experienced in government contracting and is a former employee of Pisces Corporation and Boeing. The GSH also works alongside the Federal Emergency Management Agency (FEMA) and other private sectors as well where Barbara and her husband Scott, who is the co-founder of the company supports FEMA’S mission. Also, with the combined effort of the GSH and FEMA, the GHS organization has been in the forefront of engineering and building of the state-of-the-art designs of permanent and commercial structures. In addition to this, GHS incorporates a plan that does not only focus on the residential developments but also building the housing structures for the schools and installation of utilities.
About Barbara Stokes Daily Routine and her Impact to the GSH
Barbara Stokes who is a mother to three, works along with her husband who serves as the COO of their organization based in Huntsville, Alabama. Her daily routine starts early in the morning where she mostly works late though she tries to plan her day so as to spend time with her family. Moreover, Barbara Stokes brings her ideas to life by working closely with her highly skilled team in design and the engineering department. What’s more, through this great work relations, the GSH pioneered in the development of a system of fire suppression that helps in the general safety of the homes that the organizations participate in building. Additionally, this has in effect set the standard of safety measures adopted by other organizations in the sector. Read more about Barbara Stokes at The Cullman Times.
Recently, Willis Towers Watson acquired a new Chief Financial Officer by the name of Michael Burwell who has more than 30 years of experience. These 31 years include both professional service and financial experience. For the last 10 years, he has been filling leadership roles on a senior level for PricewaterhouseCoopers before joining the team of Willis Towers Watson in 2017. Michael Burwell’s position of Chief Financial Officer comes after their former CFO, Roger Millay, announced his retirement. While his presence will be missed, Willis Towers Watson is looking forward to seeing what Michael Burwell will bring to the company.
At PricewaterhouseCoopers, Michael Burwell served in many positions including acting as Chief Operating Officer, Head of Global Transformation, as well as their Chief Financial Officer. His experience also includes assisting different companies with issues involved before a merger takes place. Michael Burwell’s education includes a CPA certification as well as a Business Administration bachelor’s degree. He earned his BA through Michigan State University in the year 1986. Click Here to learn more.
With this level of experience and education, Michael Burwell was indeed a great option to fill the position of Chief Financial Officer at Willis Towers Watson that was left after Millay’s voluntary retirement. So far, Michael Burwell has been very impressed by the staff at Willis Towers Watson including his fellow executives and their employees. With a heavy commitment to all of their clients, Michael Burwell looks forward to helping the company grow and contributing to their ongoing success.
Michael Burwell is focused on making sure he and his company stay as productive as possible without wasting resources. In order to do this, Michael Burwell keeps up with the latest technology available to help them accomplish everyday tasks easier to allow them to have more time to focus on other goals. Communication is exceptionally important as well as many ideas go unheard in companies. Instead of just expecting people to say what he wants to hear, Michael Burwell wants the staff to feel as if their ideas and concerns are being listened to and considered. Burwell’s ability to listen to others and give reasonable feedback is one of the reasons why Michael Burwell has been able to develop such strong relationships in the financial industry.