Dedicated Master Tobacconist

Cory Carnley is a native of Gainesville, Florida, where he has lived his entire life. It is through this dedication to his home state that he developed a passion for the things around him. Perhaps while his peers were out partying, drinking, and smoking, Carnley knew he was destined for something better. He loved quality drinks and cigars and decided that he would pursue a career in the related fields. His greatest accolade is that he is one of Gainesville’s youngest tobacconists, receiving his certificate as soon as he was able to on his 18th birthday. Of course, quality cigars were enjoyed in celebration of this significant milestone.

One to partake in the premium things life has to offer; Cory Carnley is well-trained in the esoteric subject of mixology. He has his certificate in responsible vending and bartending in some of the hottest establishments throughout his area.

Carnley Explains the Importance of Cigar Humidification

Many cigar enthusiasts have heard a familiar “crunch” sound when reaching for one of their favorite pieces. While it is seen as the epitome of luxury and comfort, most don’t understand that cigars need to be kept under certain environmental circumstances to keep fresh and maximize enjoyment. This is why, whenever a store is entered, the cigars are kept in a separate room, usually regulated by temperature, material, and humidity.

The maintenance of your humidor and the collection of your cigars cannot be ignored, especially if you find yourself collecting and saving quality pieces for future occasions. Cigars function quite like wine, in the fact that certain types can get better with age. A hygrometer is a simple solution that helps you identify the humidity inside the room. This, coupled with the proper temperature, can preserve or even enhance the flavor of your cigars. In general, aficionados aim for 70% humidity and 70 degrees Fahrenheit, but it is best to consult a professional such as Carnley for proper care instructions.

Pure Dedication to his Craft

Cory Carnley continued to immerse himself in research about all things tobacco and drink-related. He often experiments with different products, mixes, and preservation methods. He is a self-made man, meaning that the education he has garnered for his love of tobacco products have all been self-taught through the use of multiple methods, including life experience, trial and error, and, of course, virtual and offline mentorship.

Some of the products that Carnley familiarized himself with are luxury cigars, cigarillos, cigarettes, pipes and pipe tobacco, hookahs, and chews. There are many other things he knows about, but this list is not exhaustive. He primarily concerns himself with luxury cigars, as frequent consumers will usually understand that the rare occasion that you enjoy a cigar needs to be of the finest grade. Because of this, Carnley must constantly stay ahead of the curve to offer the best customer and product experience on the market.

Cigars have significantly opened up the world to Cory Carnley. He loves to travel and connect with other cigar lovers to trade tips and learn more about the global state of tobacco through the eyes of tobacconists. He is a zealous activist who advocates for cigar rights domestically and abroad.

Wellman Shew: 5 Questions About Short-term Disability Insurance You Should Answer Truthfully

Short-term disability insurance is designed to help bridge the gap in your finances if you can’t work for a short period. It provides benefits when a person is unable to work, says Wellman Shew.

Before buying, ask yourself these 5 questions to make sure you’re making the right decision.

What is Short-term Disability Insurance? Wellman Shew Explains.

Short-term disability insurance provides an income if you’re unable to work for a short time due to injury or illness. It provides coverage for six to 12 months, after which your long-term disability coverage kicks in if you still can’t work.

Wellman Shew says it’s different from long-term disability insurance, which replaces a portion of your income if you become disabled and can’t work for a year or more. You can get short-term disability insurance through your employer as a voluntary benefit or purchase it as supplemental coverage.

Short-term disability insurance is also different from health insurance, which pays for medical bills related to an illness or injury.

Why Is Short-term Disability Insurance Important?

If you’re injured or fall ill, short-term disability insurance offers financial security by paying part of your lost income. It gives you time to recover and return to work.

It can also help cover the cost if you have a disability-related expense. And the policy can help ease the financial burden if you can’t work for a short time due to injury, illness, or a family member’s medical needs. Wellman Shew adds that if you don’t have savings or can’t cover the costs, you could face financial difficulty and stress.

Who Is Eligible for Short-term Disability?

Short-term disability insurance provides a benefit if you become unable to work for a short period due to injury or illness. The length of time you can receive short-term disability benefits varies and is based on the type of policy you have and the reason for your disability.

The insurance plan typically provides coverage for six to 12 months and then transitions to long-term disability coverage. In some cases, short-term disability benefits may be available even if you’re not disabled.

Short-term disability policies may require you to be absent from work due to an injury or illness that is verified by a doctor. Policies vary, so check with your employer to understand the specific requirements for your coverage.

How to Choose the Right Short-term Disability Plan?

Wellman Shew says you need to read the fine print to understand the details of the plan if your employer provides short-term disability coverage. You can also purchase the policy on your own if your employer doesn’t offer short-term disability coverage.

When choosing a short-term disability policy, consider the following:

Does the policy require a waiting period?
How long is the waiting period?
What is the benefit amount?
How is the benefit amount calculated?
Is there a maximum benefit amount?
Does the policy cover ongoing medical expenses?
Is there a coverage amount per month?
Is there a maximum coverage amount per month?
What is the insurance company’s rating?
Are there any discounts or other benefits associated with the policy?

Short-term disability insurance can help ease your financial burden of a disability by replacing some of your income while you recover. To decide if the coverage is right for you, consider your current financial situation and plan for unexpected events.

Wellman Shew holds a business administration degree and has been in the insurance industry since 1982. As the founder and owner of Shew & Company Inc. since 2005, he is a specialist in employee benefits, Section 125 plans, health savings accounts, long-term care, 401k plans, life insurance, and disability insurance. Wellman Shew is currently the agency manager of employee benefits brokerage at his company.

Building a Better World Through BioPharma

Travere Therapeutics is a biopharmaceutical company that is focused on the delivery of advanced and innovative therapies to people dealing with rare diseases. Founded by Kevin Mulleady and others, this company is located in San Diego, California, where it serves a global community of patients who often have very few options for treatment and specialized care.

Travere Therapeutics provides the following services for rare disease patients:

Delivery of innovative treatments
Access to commercial therapies
Patient advocacy and formation of rare disease initiatives
Diagnostic testing

Travere Therapeutics stands as a leader and a resource for helping to create a better world for those dealing with rare diseases and conditions.

Moving Forward

Recently Travere Therapeutics announced announced that their new drug application for sparsentan, a treatment for rare kidney diseases, was accepted and granted a priority review by the US Food and Drug Administration. With no advisory committee meetings scheduled to discuss the application, the FDA has designated the review process to be complete by the middle of November 2022.

This is a big step forward for Travere and the people they serve. Sparsentan is on track to be the first FDA-approved non-immunosuppressive treatment for IgA nephropathy. Also known as Berger’s disease or synpharyngitic glomerulonephritis, IgA nephropathy affects the kidney and the immune system. In its most aggressive forms, it includes the following symptoms:

Nephrotic syndrome (inflammation in the kidneys)
Acute kidney failure
Chronic kidney failure

Several serious diseases are commonly associated with aggressive IgA nephropathy, including cancer, celiac disease, heart failure, HIV, liver failure, and various types of arthritis. Complete remission of Berger’s disease is rare. The survival rate of aggressive IgA nephropathy is about 25%.

Supporting the Science

When Kevin Mulleady and others began Travere Therapeutics, they envisioned a company built on partnering with other entities to fund the science and research needed for new, innovative therapies. The FDA application for sparsentan was based on results from the Phase 3 PROTECT study, which involved the treatment of over 400 patients who experienced persistent proteinuria, often a condition associated with IgAN. For nine months, patients who had received sparsentan showed a reduction of proteinuria of almost 50%, compared to the 15% reduction using irbesartan, a treatment for protecting kidneys from damage. The study suggested that sparsentan was well-tolerated.

Sparsentan will be subject to a priority review by the FDA. This type of review is usually reserved for applications for drugs that, if approved, represent a significant advancement in the safety and efficacy of treatment, diagnosis, or prevention of disease and conditions. Travere Therapeutics is proud to be a major supporter and advocate for new therapies that can achieve better outcomes for patients with few options for dealing with rare diseases.

Dr. Gregory Finkelson on Launching a U.S. Business From Outside the Country

In 2020, foreign individuals or entities spent $1.9 billion to establish new businesses in the United States. Though the country is open to non-native business ownership, the federal government requires several steps before you can operate within the country. Dr. Gregory Finkelson offers guidance on how to proceed if you cannot travel to the U.S. to set up in person.

Dr. Gregory Finkelson’s Recommendations for Establishing a Business in the U.S.

Before you can open your business within the United States, you need to go through the legal process of registering your company, obtaining a tax ID number and opening a bank account with a U.S. financial institution, with intervening steps in the process. Fortunately, you can take care of them without setting foot inside the country. Follow this procedure to take advantage of the U.S. business environment.

1. Identify a Home State for Your Company

Your first step is to identify a state to register your company in. Consider the state’s foreign business regulations, filing fees and tax structure. Dr. Gregory Finkelson recommends registering with a state that does not have corporate or capital gains taxes, leaving you only to deal with federal taxes. However, if you are opening a business that requires you to operate in a particular state, you should choose that state as your home base.

2. Hire a Registered Agent and Submit State Registration Documentation

A registered agent is an individual or entity responsible for handling legal documentation for your business. The agent can be anyone over 18 with a physical address in the state you are registering your business in, though Dr. Gregory Finkelson suggests you hire a registered agent service.

3. Obtain Your Employer Identification Number

As a foreign business operating in the U.S., you need a federal tax ID number. Your EIN serves this purpose. To obtain one without a social security number or individual tax ID number, you need to FAX or mail a completed and signed Internal Revenue Service Form SS-4, the EIN application.

4. Establish a Physical Mailing Address

Before opening a bank account, you need to set up a physical mailing address. If you intend to have a physical office or business location, you can use that address. Otherwise, you will need to use a mail service that provides a physical address rather than just a box number.

5. Open an Account at a U.S. Financial Institution

Dr. Gregory Finkelson cautions that some U.S. banks require you to visit the bank in person to open a business banking account. However, many banks now allow you to complete the process online, as long as you have the required documentation. Furthermore, the number of digital banks legally operating in the U.S. is increasing, with many offering business banking services.

Finally, be sure you understand your tax-filing responsibilities in your business’s home state and with the federal government. Once you complete all steps in the process, you can begin operating your business within the U.S.

Barry Bulakites on How CPAs Can Benefit from the Addition of Financial Planning Services

Barry Bulakites is recognized for developing highly profitable growth strategies and helping business owners to integrate multiple sales channels into their current operations. As President and Chief Executive Officer at Table Bay Financial Network, Inc, Barry Bulakites realizes there are many ways to expand a business. For CPAs, the best choices include entering new territories to hopefully land a new customer base or offering your current clientele a more comprehensive set of services.

Mr. Bulakites strongly believes the addition of financial planning services is not only a good fit for the knowledge base and expertise of CPAs but is also a good lateral service that operates in a similar market and deals with a similar customer base. Consider these three benefits that CPAs can gain when they add financial planning services to their existing business model. We offer a full range of bookkeeping and tax services charlotte nc designed to help you establish, achieve, and maintain financial success.

Increase Customer Base = Increased Profit

Accountants may wonder if adding financial planning services or wealth management consulting to their current business model will bring financial success and business longevity. Barry Bulakites believes if you develop a solid plan and have the expertise and clientele, then there is no reason why you shouldn’t expect increased profits. Also, customers are very apt to refer their financial advisor to friends and family when they see their own wealth increase.

According to The American Institute of Certified Public Accountants (AICPA), there is an ‘increased demand and projected growth of personal financial planning services in areas such as estate, retirement, risk management, and investments.” CPAs are already trusted by their clients for financial decisions, so Mr. Bulakites feels that this type of financial services offering is a natural fit for accountants.

Financial Services is a Value-added Service

Value-added service is one that generates additional revenue for stakeholders by offering increased benefits to clients. The CPA becomes more valuable to the client when they also act as trusted financial advisors. The other value is the closer client-CPA bond that is intrinsically formed.

Barry Bulakites believes a CPA can leverage those existing relationships because, as the person’s accountant, you have already obtained good experience with these clients, and you actually know what they really need and what they really want. Your current working relationship with existing clients is of tremendous value when you decide to add financial planning services to your business plan.

CPAs Can Also Leverage Their Tax Knowledge

Barry Bulakites believes that taxes are a critical component of wealth management and financial planning. After all, the final return on any investments will be affected by your tax bracket and how well you use the tax laws to your advantage. And, as our client’s wealth grows, you can remind them that they become more exposed to being audited.

Acting as both accountant and financial planner, Barry Bulakites believes you are in a better position to soothe nervous clients about what is happening, show any historical data about why it is happening, then advise clients on what they should do to reduce any chances of penalties or fines – if it were to happen.

Consider expanding your CPA business to include financial planning services and offer your clients a one-stop solution to wealth management.

What types of olive oils are used for cooking?

Generally, we are reminded how good olive oil is for our health and how it belongs in every kitchen cupboard. Olive oil has been shown in several trials to help prevent heart disease, diabetes, and other disorders. Apart from that, olive oil has beauty benefits, such as moisturizing your hair, preventing dandruff, and protecting your skin. It is, after all, an excellent source of omega-3 fatty acids, Polyphenol rich olive oil, vitamin E, and antioxidants. However, few people are aware of the various types of olive oil available and which should be used for cooking, and which for skin and hair. Before deciding on a product, invest in olive oil and use it for a while.There are also numerous combination olive oils available nowadays, such as soy olive oil blends, among others.

Extra virgin olive oil

This olive oil is the most expensive since it is of the best quality. Extra virgin olive oil is unprocessed and has the lowest acidity level of all olive oils. It is particularly high in antioxidants and contains the most minerals and vitamins of all olives. This pricey oil should only be used for salads because it has a low smoking point when compared to other oils. This implies it could burn even if cooked at very low temperatures. Use extra virgin olive oil to make salad dressings, sprinkle it over cold meals, or include it in some of your bread dips. The vitamins in extra virgin olive oil might be degraded when used to sauté vegetables.

Extra virgin olive oil has a distinctive flavor and is usually golden-green in color.

Virgin olive oil

Virgin olive oil is the next best thing to extra virgin olive oil. It’s also an unrefined olive oil, which means it’s extracted without the use of chemicals or heat. Only a little increase in oleic acidity distinguishes extra virgin olive oil from virgin olive oil. You can use virgin olive oil to sauté veggies as well as to make your favorite Indian dish. Baking can also be done with virgin olive oil. Deep frying should not be done using olive oil. As olive oil has a low smoke point, it is not recommended for deep frying. If you must deep fry something, use oil with low saturated fatty acids.

Therefore these are the two most used types of olive oil which are used as a medium for cooking food.

5 Top Trends in Hospitality Business Development

The hospitality industry is revitalizing, and the development of new business models is attracting travelers. Updating operations to monetize or otherwise streamline every aspect of a customer experience is becoming more affordable through innovation. New trends in technology and social structures are influencing hoteliers and leisure management to invest in approaches that serve customers and businesses.

Trends in Hospitality Business Development

These are some emerging opportunities for specializing in new aspects of hospitality operations, according to Peter Bowen, renowned hospitality and housing advocate who innovates large-scale organizations from hotel chains to cities.

Sustainability

Protecting the environment is vital. Suppliers continue to adopt more efficient renewable materials and processes, but they can still be expensive at scale. There is an ethical imperative to consider. Environmentally safe options are appealing to some travelers, but by large, they are not their consideration. Peter shared that, although data has shown guests do not often book based upon these factors, some of these options still offer cost savings to the hotel.

Digital Technology

Hotels have begun to embrace digitalized authentication such as QR codes and check-in software such as Mobile Key over the last decade. Digitalized guest experiences allow for opportunities to promote amenities, on-site services, and sister businesses in the community. The investment in contactless payments, biometrics, voice control, and their subsequent savings in labor costs means that the upgrades pay for themselves quickly.

Remote Workers

Remote work is a new way of life. Big tech companies and local office spaces alike employ hybrid workers and digital nomads. The rise of the “bleisure traveler” lifestyle means an opportunity for hospitality venues to serve as offices. Peter believes that, with some more data and time, stronger forecasting in quality revenue management strategies will find ways to generate profitable development of such new, flexible workspaces.

Asset Management

The division between the real-estate assets and the management of operations allows hospitality companies to perform efficiently. Asset managers work to resolve potential complex agency problems. Large companies need skilled asset managers to correct the misalignment of incentives to the management companies when they take their percentage of revenues. Updated asset management strategy and budgeting will prevent these losses.

Customization

Many organizations are using social media management platforms to target customer communications. Millennials and Gen Z now value privacy and control of their data more than signing up for another unique service with another set of emails and notifications. Open-source apps and standards are one solution. Software designed to combine with others for the best user experience will also generate the most business. CRM and CEM software can use data to offer personalization without intrusion. Hotel operations can use integrated middleware to connect customer profiling and analytics with revenue and marketing strategies.

Medical Tourism

The development of holistic hospitality has been thriving, especially in Latin America and countries with alternative and progressive treatment modalities. Destinations, cities, and even some local economies can brand their experience to receive world travelers for health and well-being. Peter Bowen sees a future in partnering with sister health services, offering in-house treatments, specialists, spas, exercise, wellness facilities, and personalized meal options.

Stephanie L. McJury Shares Secrets For Ensuring a Great Conference

Want your conference to be a smashing success? If so, check out these must-know tips from Stephanie L. McJury, a conference planning expert.

Running a conference or another major event takes a lot of hard work. Use the wrong approach and your event could become a dud. Who knows what opportunities you might miss? Fortunately, Stephanie L. McJury can offer some vital insights for managing conferences and other major events.

“The first step is coming up with a plan. With events, some people try to fly by the seat of their pants,” Stephanie McJury says. “Unfortunately, that rarely works out well. You need to write things down, create checklists and schedules, and then execute.”

Of course, if you’re going to write your plan down and create checklists, you need to have a plan in the first place. If you’ve been winging it, you might not have much of an agenda at all. Stephanie L. McJury believes that you set your budget, identify the venue, and come up with a basic schedule well in advance.

Conferences center around speakers and who’s speaking at your event can go a long way in determining success or failure. Also, when looking for sponsors, make sure you invite sponsor representatives to speak and give them prime slots too. This could help you attract more sponsors.

“Setting the right schedule for speakers can be tricky, but if it’s a long event, consider spreading out the best speakers, the most well-known experts,” Stephanie L. McJury suggests. “This way, you can try to drive engagement throughout the day.”

Stephanie McJury Offers Tips For Getting the Most Out of Your Conference After It Wraps Up

All great conferences come to an end. Hopefully, you provide a memorable experience, and weeks from now people will still remember your conference in a good light. There are some steps you can take to ensure that you maximize the value of your event even after it wraps up.

“It’s smart to look at your conference as simply the peak of a marketing drive,” Stephanie McJury says. “In the lead-up, you’ll run campaigns to promote it. After the concert is done, you can use assets gathered during the event to continue to market your organization, contributors, and other stakeholders.

While running a conference, you’ll want to have a professional photographer on hand to capture plenty of great images. Then, after the event, make sure to share the images on social media. You can also use them to anchor blog posts and for many other purposes.

Speaking of blog posts, you should use content from the conference, such as sage insights provided by attendees, to craft blog posts. You can follow up with speakers and key guests asking for quotes. This way, you’re promoting them too, not just your organization and the event itself.

“Ultimately, finding win-wins for speakers, sponsors, your organization, and other stakeholders can amplify success,” Stephanie L. McJury says. “It’s one way to get all hands on deck and more people supporting your efforts.”

And when your next conference rolls around, you can use videos of your best speakers and others to entice sponsors and sell tickets. Point is, your awesome conference, in many ways, is simply the beginning.

The key to successful portfolio management by Andrew Binetter

Financial investors always want to achieve financial stability and success which is mainly possible if you undergo the right portfolio management strategy. But what is portfolio management?

It is the process of identifying and selecting different ways of investments for meeting the long-term financial goals and the risk tolerance of your company. It is very much clear in the world of investment that for any business there involves a risk. But they can reduce that risk by conducting proper research and avoiding the pitfalls that occur while they are building their portfolio.

Andrew Binetter who is the co-founder and SEO of an Australian Beverage company has the best strategies and ideas for businesses to have successful portfolio management for a brighter future. He is an experienced and skilled entrepreneur who has the best ideas and strategies that never fail. According to him, the investors need to stack the potential odds in their favor and it can be only done when they adhere to the best portfolio management strategies.

The allocation of the assets

The allocation of your assets is the process of choosing the required weight of all the asset classes to be present in the portfolio. The three usual asset classes include the bond, cash, and stocks but other classes with it should be included in the portfolio. The allocation of these assets should be done correctly to build a portfolio that is best for you.

Identifying the risks

For all investments there exists a risk that an investor needs to understand. Therefore, an investor must take into consideration their risk tolerance to determine what is the amount of risk which is tolerable for them before they conduct an investment.

Diversification

Diversification is the other tactic that an investor should consider having a safe investment. This process has been suggested by professionals for years and it is the best practice for all investors. Investors can purchase many different stocks of smaller amounts or the other way to invest in some different financial products. This technique is followed by many investors and they have seen success through it as it is one of the best practices for avoiding the risks involved in the world of financial investments.

Mr. Binetter has many different strategies for helping the investors to make the right decisions and have the best portfolio management to gain a lot of profit from their investments.

Forbrukslån – Same Day ConsumerLoan Alternatives

Best Same-Day Merchant Cash Advance Funding In 2022

Sometimes we have sudden plans like traveling but we don’t want to leave empty-handed or without enough cash because we may have to buy souvenirs or overspend even when there is a budget for the trip. Since you are running out of time, I guess you will consider applying for same-day loans – go to forbrukslånpådagen.net to help you with your options when it comes to this type of debt. Before making up your mind, why don’t you try to weigh your alternatives because what you need to consider here is the cost that you need to pay back?

Pretty sure that there are still other ways to get extra money and this won’t surely be a large sum because you are only planning to spend this just in case you have to so it is not for your specific travel expenses. I know that you are excited about this long vacation and your mind is completely on it but don’t make sudden decisions that will make you regret it later. Same day loans might be the first thing that came to your mind but again, this does not mean that it is the only solution to your worries.

If you are going to search for lending companies before taking out consumer loans, then why don’t you take some of your time to look for better or more convenient alternatives that offer affordable fees. It is not necessarily meant to have the lowest interest rates but also the ease of processing and releasing the loaned amount. Well, if only you could widen your search, then you will surely find all the possibilities of getting better deals.

What about the Same Day Loans?

When it comes to this type of consumer loan, you have to consider the costs that you will pay back for borrowing a certain amount. Indeed it would be of big help when you are in a rush but sometimes, this may not be the one that suits you best. Hearing that this can be received instantly could be tempting but again, think twice before you decide so you won’t have anything to regret.

The first thing that you must consider would be the extra fees associated with this because this is fast cash so you’ll probably be charged with higher interest rates and some lending companies even hide such fees from borrowers. So make sure that all details of the total costs will be declared in the contract so that you will know what you will pay. The next thing to consider is the annual percentage rate which varies for short-term debts like this.

Your request may be granted but when will you get the funds? Since not all lenders fulfill their promise to receive the loaned amount on that day, then let’s have a look at the other options.

Credit Card

When you are a cardholder, then you can use your account for a cash advance and that would surely be enough for your extra expenses. Credit card companies allow advances, anyway because of the returns on their business. This is why there are transaction fees and interest rates charged.

There is a limit to using your credit card and you are surely aware of that. So use such advances only when needed and if you would like to save your cash for later, then you may use your credits for purchases while traveling.

Payday Advance Apps

If you cannot take out advances directly from your employer for some reason like when the person is charged is not available, then you may also use payday advance applications online. Simply look for a trustworthy lending company that provides cash advances and you can request funds to be transferred to your bank. This loan will then be sent to your employer and repayments can be deducted from your monthly salary.

This is only allowed to individuals with stable jobs that’s why it is called a payday advance. Make sure you are using a smartphone because the lending company will track your location. I supposed this is also a good idea because it’s like withdrawing advances from your phone but beware of the promotions that they offer as well as membership fees and other costs.

Personal Loans

Another alternative that you might want to try is to borrow money from various financial institutions, such as credit unions, banks, and local lenders. But with this type, your credit rating and history might be reviewed as well as your debt-to-income ratio since no collateral is needed. When it comes to the fees associated with this, you’ll be charged with an origination fee and annual percentage rate that could be 36% or lower.

As soon as you qualify, you can get what you borrowed in cash or they can wire this to your bank accounts. Keep in mind that most of these are processed for more than a day so even when you are approved the day you applied, there is no guarantee on how long you have to wait for your funds. Now, if you need funds badly, then this is not the right one for you.

I supposed you may have to ask family or friends, too if they have extra for the cheapest interest rates or even zero. Don’t rush searching for the right type of consumer loans to apply and make sure that you will only make a deal with trustworthy lending companies. In this way, you can avoid scams and pay more for a small sum.