Brian Bonar Considers Trumps Student Loan Pre-election Plan

According to financial expert, Brian Bonar, there may be hope on the horizon for college students faced with the student loan debt. President-elect, Donald Trump has proposed capping interest rates on student loans. A generous 12.5 percent cap has been discussed, as well as streamlining the entire U.S. Department of Education system. Trumps pre-election proposed plan would include linking student loan payments to income, and forgiving a balance, if any, after 15 years.

“There has only been a strong hint to what President-elect Trump will do to make college more affordable, and this remains to be seen” says Bonar. The student loan program could be up for privatization, but Trump would need Congressional members to pass such a deal. “Student loans are a hot topic yet any new deals between Trump and Congress are going to be a major test in cooperation,” adds Bonar.

College Financing Today

US college graduates have accumulated a combined $ 1.2 trillion in student loan debt, and one in four borrowers are overdue more than 90 days in their payments. The bulk of student debt (80%) is guaranteed by the Department of Education. Students that default on their loans leave taxpayers footing the bill. In the last five years, student loan debt has increased by $448 billion dollars.

College students typically graduate with average loans of more than $30,000. Add to that the fact that many graduates struggle to find a good paying full-time job after graduation, and it becomes easy to understand how students are facing this crisis. Currently, there’s a student loan payment plan, signed by President Obama that charges 10 percent or less, according to income, but its only available to loans signed after October 2007.

So, what options does one take when college hangs in the balance? Financial expert, Brian Bonar says students must make tough decisions. Attending a less expensive university, or perhaps the first two years of undergrad school, students can attend an affordable local college then transfer. “Typically, aspiring students don’t consider the challenges of paying off a college education. They don’t choose the affordable options,” says Bonar.

Brian Bonar is the CEO of Dalrada Financial Corporation in California. He’s a uniquely qualified expert that has founded several companies and for nearly 30 years enjoyed a highly successful career. Bonar uses his experience, leadership and exposure to financially savvy clients to produce innovative strategies that streamline costs and boost productivity.

Transform Your Hair Today With The Power Of WEN Cleansing Conditioners

Chaz Dean is the creator of the popular hair care brand, WEN Hair, which is a line of cleansing conditioners that have been designed to provide manageable and healthy hair without a costly price tag. WEN cleansing conditioners have been made with an all natural formula that provides a deep cleanse to the scalp, removing buildup that occurs from using hair care products that contain chemicals over long periods of time. WEN’s special formula allows it to be effective on nearly all hair types for women out there, from very fine, to very thick and curly. This nourishing conditioners is also good for damaged hair, to help bring it back to a healthy state.

There have been many great reviews out there showing off the QVC advertised hair care products, and one especially good one was done by Emily McClure, a writer for Bustle Magazine. She ordered the WEN cleansing conditioner on Guthy-Renker to try out on her very fine hair, without thinking much of it at first. Once she published her review on Bustle however, she revealed that she was delighted by the results she saw by using WEN for just a week, and she even showed off pictures of the before and after. Because of the natural ingredients that went into making WEN, it plays nice with other hair care products as well, as long as they do not contain harsh chemicals, which will slow down WEN’s progress. The 5 in 1 formula that was used also allows WEN to fill in for the majority of shampoos and conditioners as well as detanglers and deep conditioners.

At $40 dollars or less per bottle, WEN cleansing conditioners come at a very reasonable price for an all natural product that is so effective. Typical salons would charge double or triple that price. Emily herself chose the Fig variety of WEN, but there are several others to choose from, all of which can be purchased online.

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Securus Commitment To Excellence Continues To Show With Accreditation

Securus is a telephone company with a unique business model. They do not serve the average population. You cannot contract them to put a phone in your house or to service your cell phone. No, they only provide services to prisons. If an inmate wants to make a phone, she has to got through Securus is that company has a contract to service that prison. Same goes for anyone who wants to call the prisoner from the outside.


You would think a company would take advantage of the situation. Since the prisoner has no choice, you could easily raise prices to an obscene level to rake in millions of dollars. And many of these prison telephone companies do just that. But Securus is different and they finally have cold, hard proof.


Securus just got themselves an A+ rating from the Better Business Bureau for customer service and satisfaction. They take their telecommunications services incredibly seriously and treat all of their customers well, prisoners and civilians alike. If a customer has a concern, they can call the largest customer service call center in the industry. The 220-seat center can take up to 2.5 million calls per month. That volume doesn’t even slow them down as they answer calls within 11 seconds on average. And any complaint is usually resolved on the first call, over 99.9% of the time.


But Securus pushes even further. They have volunteered to be accredited by the Better Business Bureau. This BBB goes in to appraise every aspect of the company’s business model, from ethics to transparency to privacy to integrity. Securus even pays for the honor of being audited by the BBB and they passed with flying colors. Securus Technologies, the telecommunications company that exclusively services prisons, is now one of the country’s leading telecommunications company.


Waiakea Increases Its Sales

Waiakea’s water has become very popular in the recent times. The water originates from rain and snowmelt on the giant Mauna Loa volcano. The Hawaiian Volcano Water is believed to be filtered through hundreds of feet at the porous volcanic rock.

Waiakea water produced in these features is considered to be the most electrolyte rich and delicious alkaline water in the globe. Once an individual buys one liter of the sweet water, the company donates six hundred and fifty liters of clean water is given to disadvantaged people living in rural Africa. The donation is given through an organization known as Pump Aid.

New You stated that the Waiakea Water was introduced into the market in the year 2012, and since then, it has grown significantly on an international scale. Just recently, the company announced that it had achieved a five thousand growth since it was first launched.

The premium water is believed to have been founded on the bottom line principles focusing on sustainability, health, and charitable initiatives. The company has also announced that its product is currently available in more than two thousand stores and over thirty states in the US.

The company says that it will celebrate this great achievement by introducing a new manufacturing project that will be located in Hawaii. The new facility will be the perfect way to meet the international demand that is growing every day.

Ryan Emmons is the founder of the popular premium bottled water brand, and he says that he is very proud because of the achievements his company has made in the recent past. According to Ryan, the company has grown significantly from selling several thousands of bottles of Waiakea water every year to more than one hundred and twenty thousand cases.

The proud CEO is also happy that his company has managed to donate more than five million liters of water to communities in Africa. The increase in sales means that more communities in Africa have access to clean water.

Since it was founded years ago, the company’s primary mission has always been to encourage the modern consumer to drink ethically. The company partnered with an organization known as Pump Aid, and since then, six hundred and fifty liters of water are donated to Africa after a liter of Waiakea is sold. Learn more about Waiakea water:

 Waiakea water from the company is sourced from the purest places on earth, and it is also packaged from completely recycled bottles.

Remembering Steve Murray’s Life and Commitment to CCMP

Stephen Murray passed on early 2015. Before his death, Murray had served as the Chief Executive Officer and a co-founding partner of CCMP. Murray had resigned only a month earlier for what he termed as health reasons. CCMP is a renowned New York company that specializes in growth equity investments and milled-level leveraged buyouts.

CCMP makes around $ 100-$500 worth of investment sales according to the firm’s website. The focus is on working with healthcare, industrial, consumer, and energy companies on Crunchbase. So far, it has made many investments including Quiznos Corporation and Cabela’s Incorporated among others.

Early Life, Upbringing, Education, and Death

Murray grew up inWestchester County, a suburb of New York City. He studied Bachelor of Arts at Boston College. Murray opted for Ms. in Business Administration from the Columbia University in New York. Mr. Greg Brenneman, the current Chief Executive Officer at CCMP, eulogized him as a dedicated leader, investor, and deal maker. At the time of his death, Steve Murray was 53 years old. He left behind Tami, his wife, and four sons.

Read more: CCMP’s Murray dead at 52

Murray’s Career and Achievements at JP Morgan

Steve Murray started working for Manufacturers Hanover Trust Company based in New York in 1984. He began as a credit trainee but worked hard through the years to become the company’s Vice President responsible for middle market lending. After a five-year stay, Murray left to join a Hanover Trust private leveraged and equity finance department which had preceded CCMP BUT was later dissolved in 2000 to become part of JP Morgan. Before the spinoff, CCMP was known as JP Morgan carrying out similar functions.

He was made the head of bank buyout business in 2005 and became the Chief Executive Officer in 2007 taking over from his predecessor Jeff Walker. During his tenure, CCMP raised more than 3.6 Billion Dollars.

Before Murray’s death, he was an accomplished investor with an impeccable career record. Murray had become one of the only two CCMP executives to be listed in the SEC filings for the fund. Furthermore, he was among the five control personalities listed on CCMPs most recent Form ADV. After an impressive career, Murray left the company in early 2015 for health reasons. Murray served CCMP with dedication and passion and both his colleagues and clients will miss his exemplary service and leadership.

Other Roles and Responsibilities

Before his demise, Murray was a board member for various institutions. He was also an accomplished philanthropist who supported many community-based programs.

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David Osio Leads Davos Financial Towards Success and Philanthropy

David Osio is the founder and executive director for the David Financial Group, along with Gerard Gonzalez and Pablo Bausili. Not too long ago they even launched a mobile app that can be used by their clients in order to help them make better decisions and find information for their investment endeavors. As one of the leading companies on the market for investments, Davos financial goes the extra mile and ensures the optimal strategies are in place to effectively help their clients reach their goals.

Executive director, Gerard Gonzalez has done a lot of work on the design for the investing tool that the company has created. Correctly tweaking the app to ensure it gives out accurate predictions on potential gains or losses is crucial, especially when dealing with a number of different expenses that have to be managed. The app is compatible with all the latest technology, which includes the majority of smartphones and other handheld devices on the market.

David Osio predicts that the new tool they have developed will go a long way in helping his company assist its clients in their investments for real estate. Every client will have the ability to get quick estimates on select properties and find the levels of income they want just through this new investment tool. This innovative app even goes as far as going over cost related projections for a specific property, such as its mortgage payments in the future.

As the founder and Chief Executive Officer of Davos Financial, David has steered his company towards success for many years, and has achieved a great deal of wealth for himself. Fortunately, David is dedicated to philanthropy, which is why he actively gets involved and makes contributions to organizations and different charities around the world. As he continues to expand his company into new places, such as Miami, New York, Geneva, and more, he will also be able to spread his goodwill even further. David intends to lead by example, teaching the new generation to accommodate the same methods for the benefit of the global community, and every contribution counts.

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FreedomPop is Beneficial to Everyone

There is a lot of talk about FreedomPop. More people are starting to stream music and data so it seems like people are just glued to their phones and tablets these days. The cell phone carriers know this, and that is why the top companies like Verizon, Sprint and T-Mobile are raising their cell phone prices. I got tired of all the confusion and decided to check the FreedomPop review. This has been one of the best things that I could do so save money.

I know that there are some people that may be skeptical of anything that is free, but I must say that FreedomPop has not disappointed me. This is the company that also provides some free Internet service for home users. The last time I had free Internet service in my house I was using America Online. That was years ago. I must say that FreedomPop is 10x better than the experience that I had with America Online. This company actually gives me a reliable connection to the web that allows me to check my email, do some music streaming and play games online. I didn’t think that this would be possible, but it has been easy for me to cut off my service in the home with Charter. I have been using FreedomPop, and I have not had any problem with this company.

It has also been easy for me to get connected with the free phone service. This is good because it gives me the chance to use my old cell phone. That is awesome because I am not a “get-a-new-phone-everytime-a-new-phone-is-released” type of guy. As long as I can make some calls and send text messages I don’t have a problem with old phones. FreedomPop has a cool plan for people that don’t have phones. They can buy a device with FreedomPop and start getting free service without a contract. That may be the thing that I like the best. There is no contract to worry about. You can stop using this service at any time without acquiring fees. It doesn’t make much sense to stop using this service though. It’s free. You can’t be free when it comes to cell phone service. That is why I have continued to stay with this company. That is why I have recommended it to friends. Free phone service benefits everyone.

The trust tax lawyer- Geoffrey Cone

The media in New Zealand covers the international and trust issue as critical news in the country. It has been acquired that New Zealand is not a tax haven and it not near the nations described as a tax haven. The OECD has a list of countries that fall under the tax haven description; unfortunately, New Zealand is not on the list. For a nation to in the tax haven list, it must have a characteristic of imposing no or minimal tax, and transparency is mandatory, and the country must follow the laws and regulations imposts by the government. New Zealand does not the required regulations nor does it have a highly private financial industry.

The gold standard for transparency is known as 2002 OECD Model Agreement; the founded Agreement is for the exchange of material on tax matters, which is a sponsor of the international exchange of information in the administration as well as the enforcement of the domestic tax. New Zealand was among the first countries to be in the OECD agreement white list for reaching the required standard and implementing them. New Zealand has been an excellent example of applying the rules, and they have been able to achieve this by their demonstration of good management and transparency in the way they handle foreign trusts.

New rules were enacted in 2006 by Michael Cullen after extensive research. The new rules require New Zealand local to submit their foreign trust disclosure form (IR607) for the purpose of tax record. The foreign trust structure include the money that the trustee receives and their expenditure, details of their assets and liabilities, as well as the trust deeds which include particulars of their settlement as well as their distribution. The law also states that all records must be safeguarded in New Zealand and the writing must be in English.

Geoffrey Cone is a lawyer by profession. He started practising his career immediately after his graduation from the University of Otago New Zealand where he graduated with LLB honours and a post graduate Diploma in tax trust law. Since his graduation he has specialize in tax law from 1980 in Auckland, New Zealand. Later in his career, Cone was a partner and was also appointed as a Chairperson of a top partner’s law firm in Christchurch.

Geoffrey has practised as a litigation and also a trust tax lawyer, and he has represented his clients in court, as well as appearing as a chief counsel including the Privy Council. Cone established his own firm Marshall Cone Limited in 1999 after working in West Indies for two years as a litigator. His company provides unique services, and it is the only business in New Zealand that offers international trust tax and planning services. The company also provides trustees as well as trust administration facilities.

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